Updated: 25 September, 2026
Arroyo Insurance (“Arroyo Insurance,” “we,” “us,” or “our”) respects the privacy of our clients, prospective clients, website visitors, and others who interact with us. This Privacy Policy explains how we collect, use, disclose, and protect personal information through our website, insurance services, communications, and related business activities.
By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.
Depending on how you interact with us, we may collect:
Contact Information: Name, address, email address, telephone number, city, state, and other contact details.
Insurance and Quote Information: Information needed to provide quotes, obtain coverage, service policies, process renewals, or assist with claims. This may include information about vehicles, properties, businesses, employees, drivers, beneficiaries, insurance history, claims, coverage needs, and other underwriting information.
Sensitive Personal Information: When reasonably necessary for insurance or related services, we may receive information such as Social Security numbers, driver’s license information, financial information, health-related information, account credentials, or other information classified as sensitive under applicable law.
Commercial and Transaction Information: Information about insurance products, policies, quotes, transactions, payments, claims, and your relationship with us.
Information From Other Sources: Where permitted by law, we may receive information from insurance carriers, brokers, underwriting systems, government agencies, motor vehicle records, claims databases, consumer reporting agencies, service providers, and other authorized sources.
Website and Device Information: We may automatically collect IP addresses, browser and device information, referring pages, pages visited, approximate location derived from an IP address, interactions with our website, and similar technical information.
Communications: We may retain information you provide through forms, telephone calls, emails, messages, quote requests, customer service inquiries, and other communications.
We may use personal information to:
We may combine information collected from different sources when permitted by law.
We may disclose personal information when reasonably necessary to operate our business or provide insurance services, including to:
Insurance Carriers and Insurance Partners: To obtain quotes, bind or service coverage, process claims, conduct underwriting, or perform related insurance activities.
Service Providers: Companies that provide website hosting, information technology, cybersecurity, payment processing, communications, document management, analytics, customer management, professional services, and other business support.
Authorized Insurance and Business Parties: Brokers, agents, adjusters, claims administrators, reinsurers, financial institutions, and other organizations involved in providing or administering requested services.
Government and Legal Authorities: When required or permitted by law, regulation, subpoena, court order, regulatory request, investigation, or other legal process.
Business Transactions: In connection with a merger, acquisition, financing, restructuring, sale of assets, transfer of business operations, or similar transaction.
With Your Direction or Consent: When you authorize or direct us to disclose information.
We do not disclose personal information to unrelated third parties solely for their own purposes except as permitted by applicable law or with appropriate notice or authorization.
Our website may use cookies, pixels, analytics tools, and similar technologies to operate the site, remember preferences, understand website activity, improve performance, protect against fraud, and support communications or advertising.
Third-party providers may supply some of these technologies and process information according to their own privacy practices.
Where applicable law requires it, our website provides privacy controls that allow you to manage certain cookie or tracking preferences. Blocking some technologies may affect website functionality.
Federal or state insurance and financial privacy laws may govern certain personal information we collect in connection with insurance products or financial services. These laws may apply separately from general consumer privacy laws.
Where another privacy law applies to particular information, we handle that information according to the requirements of that law.
California residents may have rights concerning personal information that the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”), covers.
Subject to applicable exemptions and legal requirements, these rights may include the right to:
Other federal or state privacy laws may govern some information we maintain in connection with insurance or financial services, and applicable exemptions may remove that information from certain CCPA/CPRA requirements.
To exercise an applicable privacy right, contact us using the information in the Contact Us section below. We may need to verify your identity before completing a request. Where the law allows, an authorized agent may submit a request on your behalf, subject to appropriate identity and authorization verification.
We do not sell personal information for monetary payment. If our use of advertising or analytics technologies constitutes “sharing” or another activity subject to an opt-out right under California law, applicable choices may be available through our website privacy controls or by contacting us.
We retain personal information for as long as reasonably necessary to provide services, maintain insurance and business records, comply with regulatory and contractual obligations, resolve disputes, detect fraud, enforce agreements, and protect legal rights.
The type of information, our relationship with you, applicable insurance requirements, and legal obligations determine how long we retain information.
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
No website, electronic transmission, or information storage system can guarantee absolute security. You should avoid sending highly sensitive information through unsecured email or website fields unless we specifically request it through an appropriate method.
Our website may contain links to insurance carriers, partner organizations, social networks, or other third-party websites and services.
Those organizations control their own privacy practices. Arroyo Insurance does not control and is not responsible for the privacy, security, content, or practices of third-party websites or services.
Our website and services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through our website without appropriate authorization.
We may collect information concerning minors when an authorized parent, guardian, business, or other responsible party provides it as reasonably necessary for insurance coverage or related services.
We may use the contact information you provide to respond to inquiries and communicate regarding quotes, policies, claims, services, or our business relationship.
Where required by law, you may opt out of promotional email or text communications using the instructions included in the communication or by contacting us. Opting out of promotional communications does not prevent us from sending transactional, policy-related, legal, or other necessary service communications.
We may revise this Privacy Policy as our services, technology, legal obligations, or business practices change.
We will post the updated version on our website and include a revised effective date. Your continued use of the website after an update is subject to the revised Privacy Policy.
For questions, concerns, or requests regarding this Privacy Policy or our handling of personal information, contact:
Arroyo Insurance
2700 E Foothill Blvd., Suite 302
Pasadena, CA 91107
Phone: (626) 799-9532
Your Privacy Matters
Our team can help with questions about data handling, privacy rights, information requests, and the practices described throughout this Privacy Policy.
