Privacy Policy

Coastal Pacific Insurance Group, Inc. ("Coastal Pacific Insurance Group," "us," or "we") are committed to keeping all of your personal information secure. This Online Privacy Policy (this "Privacy Policy") explains how we use and protect personal information that Coastal Pacific Insurance Group collects from you (the customer) online.

Our Services relate to Medicare Advantage, Medicare Supplement, prescription drug plans, term life insurance, final expense life insurance, home, auto, condo, renters, umbrella, dental, vision, and hearing coverage. Product availability depends on applicable licensing, carrier relationships, and eligibility.

1. Scope and Consent

This Privacy Policy governs your use of the coastalpacificinsurance.com website, as well as any other site that posts this Privacy Policy (the "Website" or the "Site"), and also applies to your use of interactive features, widgets, applications, content or downloads that we make available through the Website and that post this Privacy Policy (collectively referred to herein as the "Services"), regardless of how you access or use the Services, whether via personal computers, mobile devices or otherwise, but does not apply to data we receive from third parties unless we combine such data with Personal Information (defined below) that we have ourselves collected under this Privacy Policy.

This Privacy Policy does not apply to our data collection offline, including during telephone calls you may have with Coastal Pacific Insurance Group personnel, Coastal Pacific Insurance Group representatives, or otherwise outside of our Services (unless otherwise stated below). Our statements under this Privacy Policy cover only information collected through the Services directly by us, and not by third parties that may interact with our Services or link to this Website.

To the extent we provide you notice on this Site of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use.

By using the Services and/or by submitting inquiries through the Services, you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use.

2. Changes to This Privacy Policy

We may add to, update, delete from or modify our Privacy Policy at any time in our sole discretion. We reserve the right, at any time and in our sole discretion, to change the Privacy Policy. We may post or display notices of changes to the Privacy Policy on this Site. Once posted, these changes to the Privacy Policy become effective immediately.

If any change that we make is not acceptable to you, promptly stop using our Services. If you continue to use our Services, doing so is your agreement to be bound by those changes. You should check back regularly and review this Privacy Policy so that you are aware of the most current rights and obligations which apply to your agreement with us. Nothing in this Privacy Policy shall be deemed to confer any third-party rights or benefits to you.

3. What Information Do We Collect?

3.1 Information You Provide to Us

We do not collect "Personal Information" about you through the Services unless you choose to provide it to us voluntarily, such as through the "Talk with a Licensed Agent," a quote request form, or a similar page. We define Personal Information as information that is unique to you and might include your phone number, name, address, email address, birthdate, and certain medical or health information.

If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

If you do provide us with Personal Information, we will use it for the purpose of obtaining a quote, or for the purpose otherwise stated on the page collecting the Personal Information, and we will not license, transmit or disclose this information to third parties unless: (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to insurance providers for us to obtain an insurance quote on your behalf or to connect you with insurers who provide products in your area in which you may be interested, or (5) otherwise as we are required or permitted by applicable law. We may also use the information you choose to provide to us to improve the content of this Site and our Services or to contact you for marketing purposes.

3.2 Information Others Provide to Us About You

We may, from time to time, supplement the information we collect directly from you on our Services with outside records from third parties, such as credit reports or driving history, for various purposes, including underwriting an insurance application, to enhance our ability to serve you, to tailor our content to you and to offer you opportunities that may be of interest to you. To the extent we combine information we receive from those sources with your Personal Information we collect on the Service, it will be treated as Personal Information and we will apply this Privacy Policy to such combined information, unless we have disclosed otherwise.

3.3 Information We Collect When You Use the Services

In addition to any Personal Information, or other information that you choose to submit to us (as described above), we and our third-party service providers may use a variety of technologies that store or collect certain information whenever you visit or interact with the Services ("Usage Information"). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a "Device") whenever you visit or interact with our Services. To the extent we associate Usage Information with your Personal Information we collect directly from you on the Services, we will treat your Usage Information as your Personal Information.

Usage Information may include:

• your IP address, UDID or other unique identifier ("Device Identifier"). A Device Identifier is a number that is automatically assigned to your Device used to access the Services, and our computers identify your Device by its Device Identifier;
• your Device functionality (including browser, operating system, hardware, mobile network information);
• the URL that referred you to our Services;
• the areas within our Services that you visit and your activities there, including remembering you and your preferences;
• your Device location;
• your Device characteristics; and
• certain other Device data, including the time of day, among other information.

3.4 Information Collected Through Tracking Technologies

A. Types of Tracking Technologies We Use

We may use a variety of tracking technologies to automatically collect Usage Information and Demographic Information, including, but not limited to, cookies, web beacons, embedded scripts, browser fingerprinting, GPS, iBeacons, and ETags (collectively "Tracking Technologies"). Tracking Technologies may set, change, alter, or modify settings or configurations on your Device.

A cookie (or "locally shared object") is a data file placed on your device when you visit our site. Your browser, or other software (including Adobe Flash), may allow you to reject or remove cookies, but if you do so, some features of our Services may not work properly, and we may not be able to remember your preferences the next time that you visit. We also use web server logs to collect and store information about usage of our Services. When you use the Services from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, Device Identifier and information about your mobile network.

B. Purpose of Tracking Technologies

We may use Tracking Technologies for a variety of purposes, including:

• When Strictly Necessary to Provide the Services: We may use Tracking Technologies that we consider strictly necessary to allow you to use and access the Services, including cookies required to prevent fraudulent activity and improve security.
• To Assess Performance: We may use Tracking Technologies that are useful in order to assess the performance of the Services, including as part of our analytic practices or otherwise to improve the content or services offered through the Services.
• To Improve Functionality: We may use Tracking Technologies to offer you enhanced functionality when accessing the Services, including identifying you when you visit this Site or keeping track of your specified preferences, including in terms of the presentation of content on this Site.
• To Deliver Relevant Content: We may use Tracking Technologies to deliver content relevant to your interests on the Services and third-party sites based on how you interact with the Services. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.

C. Tracking Technologies Choices and Consent

We obtain your consent to our collection of Usage Information and Demographic Information through using Tracking Technologies by providing you with transparent information in this Privacy Policy and providing you with the opportunity to make a choice to disable cookies as set forth above. Please note that we are not required to obtain your consent to our use of Tracking Technologies identified above that are strictly necessary.

We are giving you detailed notice of the Tracking Technologies and your limited choices regarding them so that your consent is meaningfully informed.

D. Third-Party Tracking

There may be other Tracking Technologies now and later devised and used by us in connection with the Services. Further, third parties may use Tracking Technologies in connection with the Services, which may include the collection of information about your online activities over time and across third-party web sites or online services. We may not control those Tracking Technologies and we are not responsible for them. However, you consent to potentially encountering third-party Tracking Technologies in connection with use of the Services and accept that our statements under this Privacy Policy do not apply to the Tracking Technologies or practices of such third parties.

E. Do Not Track

Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. California Business & Professions Code Section 22575(b) provides that California residents are entitled to know how Coastal Pacific Insurance Group responds to "Do Not Track" browser settings.

There currently is no consensus among industry participants as to what "Do Not Track" means in this context. Therefore, like many websites and online services, our Services do not alter their practices when they receive a "Do Not Track" signal from a visitor's browser. To find out more about "Do Not Track," please visit allaboutdnt.com.

F. Disabling Tracking Features

Regular cookies may generally be disabled or removed by tools that are available as part of most commercial browsers, and in some but not all instances can be blocked by selecting certain settings. We use tracking and advertising products provided by Google. You may learn more about Google's use of cookies by visiting the Google advertising opt-out page.

Each browser you use will need to be set separately and different browsers offer different functionality and options in this regard. Also, these tools may not be effective with regard to Flash cookies or HTML5 cookies or other Tracking Technologies. For information on disabling Flash cookies go to Adobe's website adobe.com.

Please be aware that if you disable or remove these technologies, some parts of our Services may not work and that when you revisit this Site your ability to limit browser-based Tracking Technologies is subject to your browser settings and limitations.

4. How Do We Use the Information We Collect?

We use the information we collect about and from you for a variety of purposes, including to:

• process and respond to your inquiries and fulfill your requests for insurance quotes and information;
• send you important information regarding the Services, changes to our terms, conditions, and policies, and/or other administrative information;
• send you marketing communications that we believe may be of interest to you;
• personalize your experience on the Services by presenting products and offers tailored to you;
• allow you to participate in sweepstakes, contests and similar promotions and to administer these activities;
• facilitate social sharing functionality;
• allow you to send messages to another person through the Services if you choose to do so;
• for our business purposes, such as data analysis, audits, fraud monitoring and prevention, developing new products, enhancing, improving or modifying our Services, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities;
• as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

5. How and When Do We Disclose Information to Third Parties?

We are not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as set forth below:

• Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Information may be part of the transferred assets.
• Agents, Consultants and Related Third Parties: Coastal Pacific Insurance Group, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
• Insurance Carriers and Partners: We may share your information with insurance carriers and their affiliates for the purpose of obtaining quotes, processing applications, or providing you with information about products that may be of interest to you.
• Legal Requirements: Coastal Pacific Insurance Group may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of Coastal Pacific Insurance Group, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
• Aggregated or Non-Identifiable Data: We may also share aggregated or non-personally identifiable information with our partners or others for business purposes.

6. Third-Party Services

This Privacy Policy applies solely to information collected by our Services. Our Services may contain links to other websites. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

7. Security

We take reasonable steps to protect the Personal Information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Information to Coastal Pacific Insurance Group via the Internet.

8. Accessing and Correcting Your Personal Information

You may contact us to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

9. California Privacy Rights

California Civil Code Section 1798.83 permits users of our Services that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided in the "Contact Us" section below.

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, the right to opt-out of the sale of personal information, and the right to non-discrimination for exercising your privacy rights. To exercise these rights, please contact us using the information in the "Contact Us" section below.

10. Children's Privacy

Our Services are not directed to children under the age of 13. We do not knowingly collect Personal Information from children under 13. If you are under 13, please do not use or provide any information on this Website or on or through any of its features. If we learn we have collected or received Personal Information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us using the information in the "Contact Us" section below.

11. Medicare Marketing Compliance

Coastal Pacific Insurance Group is a licensed insurance agency that markets Medicare Advantage, Medicare Supplement, and Medicare Part D Prescription Drug Plans. We are a Third-Party Marketing Organization (TPMO) and comply with all applicable CMS marketing guidelines. By submitting your information through our Services, you consent to be contacted by a licensed insurance agent regarding Medicare plan options available in your area. You may opt out of further contact at any time by contacting us using the information below.

We do not offer every plan available in your area. Currently we represent a number of organizations which offer various products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at: