🛡️ Privacy Notice

Glacier Point Insurance Services, Inc. ("we," "us," "our") respects your privacy. We collect and use personal information solely for the purpose of providing insurance and surety services, processing quotes, underwriting bonds, fulfilling regulatory obligations, and communicating with you about your account.

Information We Collect

We may collect the following categories of information:

Identifiers: name, address, email, phone number, FEIN, SSN
Commercial information: business name, ownership, license numbers
Financial information: only as required for underwriting
Internet or device data: if you use our website
Information you voluntarily provide: on quote forms

Data Sharing

We do not sell your personal information.

We share information only with:

Insurance carriers and surety underwriters
Technology providers supporting the quote/bond process
State regulatory bodies when required to file bonds (e.g., CA CSLB)

We use industry-standard security and encryption to protect your information.

For questions about this privacy notice, contact: [email protected]

🧭 CCPA / CPRA Compliance Disclosure (California Residents)

Current CPRA Status: At this time, we do not meet the statutory thresholds to be considered a "business" under the California Privacy Rights Act (CPRA). The law generally applies to companies that:

Had over $25M in annual gross revenue, OR
Buy, sell, or share personal information of 100,000+ consumers/households annually, OR
Derive 50%+ of annual revenue from selling/sharing personal information

However, we provide the following information as a best practice and in anticipation of future growth. If our status changes, we will update this notice and provide formal CCPA/CPRA request methods.

Privacy Rights Under CCPA/CPRA: California residents would have the following rights if CPRA applies:

1. Right to Know

You may request information about the categories of personal information we collect, the sources of that information, the business purpose for collecting it, and the categories of third parties with whom we share it.

2. Right to Access

You may request a copy of the personal information we have collected about you.

3. Right to Correction

You may request that inaccurate personal information be corrected.

4. Right to Deletion

You may request that we delete personal information we have collected, unless retention is required for:

Insurance underwriting
Bond filing
Regulatory compliance
Fraud prevention
Legal obligations

5. Right to Opt-Out of Sale/Sharing

We do not sell or share personal information for monetary gain.
We do not use customers' personal information for cross-context behavioral advertising.

6. Right to Non-Discrimination

We will not discriminate against you for exercising any CCPA rights.

📝 How to Submit a CCPA Request

To submit an access, correction, deletion, or "right to know" request, email:

Email: [email protected]

Phone: (925) 744-6553

We will verify your identity before processing the request, as required by law.

🔍 FCRA Soft Credit Pull Notice

When you apply for a contractor bond, we may obtain a soft credit inquiry to determine eligibility and pricing.

This is not visible to creditors
It does not affect your credit score
It is used solely for bond underwriting purposes

By submitting the bond application, you authorize Glacier Point Insurance Services, Inc., and our underwriting partners, to obtain your credit information as allowed by the Fair Credit Reporting Act (FCRA).

🔒 Data Security Statement

We use secure, encrypted transmission for all submitted data, restrict access to authorized personnel only, and retain information only for as long as required by insurance and regulatory obligations.

We implement industry-standard administrative, technical, and physical safeguards including:

SSL/TLS encryption for data in transit
Secure cloud infrastructure with access controls
Regular security audits and monitoring
Employee training on data privacy and security
Vendor agreements requiring data protection

Insurance Privacy Laws (GLBA & California Insurance Code)

Information collected to obtain quotes, underwrite, place, or service insurance may be governed by the Gramm-Leach-Bliley Act (GLBA) and California's Insurance Information and Privacy Protection Act (Cal. Ins. Code §791 et seq.). GLBA requires privacy and safeguarding practices for non-public personal information. California's Insurance Code also sets specific rules for insurers and agents on collection, use, and disclosure of insurance information.

Cookies, Analytics & Session Insights

We use limited analytics to improve the site:

Google Analytics / Tag Manager: to understand aggregate usage and improve content
Microsoft Clarity: to view anonymized session insights and improve user experience

You can manage cookies in your browser settings. We do not use third-party ad networks to sell or share personal information.

Geographic Scope

We primarily serve California residents and businesses. If you access the site from other locations, you do so under the laws that apply to your use of our services.

Updates

We may update this Privacy Policy from time to time. The "Last Updated" date above reflects the latest version. Material changes will be posted on this page.

Privacy Notice