Privacy Policy

Heritage Oaks Insurance Agency LLC

Heritage Oaks Insurance Agency LLC ("Heritage Oaks," "we," "us," or "our") respects the privacy of individuals who visit our website, request insurance information, schedule consultations, or use our services.

This Privacy Policy describes our website and general information-handling practices. Additional insurance-specific privacy notices, authorizations, and disclosures may apply when you request or purchase insurance.

1. Information We Collect

Depending on your interactions with us, we may collect:

Personal contact information, including your name, address, telephone number, and email address.
Insurance-related information, including current coverage, property, vehicles, drivers, household members, and requested coverage.
Information required for applications, underwriting, and policy servicing, potentially including financial, medical, or other sensitive information.
Appointment details, correspondence, and records of communications.
Website and technical information collected through hosting, scheduling, quoting, or other website technologies.

Where permitted by law and applicable authorizations, insurance-related information may also be obtained from insurance carriers, consumer reporting agencies, motor vehicle records, insurance support organizations, public records, and other relevant sources.

2. How We Use Information

We may use information to:

Respond to inquiries and schedule consultations.
Obtain and compare insurance quotes where authorized options are available.
Prepare and submit insurance applications.
Assist with policy issuance, renewal, and servicing.
Communicate regarding requested services.
Maintain records and meet legal, regulatory, and contractual obligations.
Detect and prevent fraud and protect our business and customers.

3. Information Sharing

We may disclose information as reasonably necessary to provide insurance services, including to insurance carriers, authorized agencies and distribution partners, underwriting providers, insurance support organizations, agency-management platforms, and service providers.

Such disclosures may include information necessary for underwriting, eligibility determination, application processing, policy administration, fraud prevention, and other legally permitted insurance activities.

Information may also be disclosed when authorized by you or required or permitted by applicable law.

We do not share mobile information or text messaging opt-in data and consent with third parties or affiliates for their own marketing or promotional purposes.

4. Website Service Providers

Our website may use the following services:

Framer: Website hosting and related functionality.

EZLynx: Insurance quoting, application-related workflows, and client service functionality.

Calendly: Appointment scheduling and related communications.

These providers may collect or process information through their respective platforms. Their separate privacy policies and terms may apply.

5. Communications and Marketing

We may respond to your inquiries using the contact information you provide, subject to applicable law.

Submitting a quote request or scheduling an appointment does not automatically constitute consent to receive automated promotional calls or text messages.

Heritage Oaks does not currently offer enrollment in an agency-operated automated SMS marketing program through this website. Appointment scheduling and other third-party services may provide notifications according to their own settings and applicable notices.

You may contact us to discuss communication preferences.

6. Cookies and Website Technologies

Our website and integrated providers may use cookies or similar technologies to support website operations, security, scheduling, and insurance-related functionality.

If additional analytics or advertising technologies are used, applicable disclosures and consent mechanisms will be provided as required by law.

7. Information Security

We seek to maintain reasonable administrative, technical, and physical safeguards appropriate to the information we handle.

No method of electronic transmission or storage can be guaranteed completely secure.

Please do not send Social Security numbers, financial account information, medical records, or other highly sensitive information through ordinary email or unsecured website messages.

8. Retention of Information

We may retain information for insurance services, legitimate business purposes, applicable legal and regulatory obligations, contractual requirements, and dispute resolution.

Retention depends on the nature of the information and applicable requirements.

9. Privacy Rights and Requests

Depending on applicable law, you may have rights to request access to or correction of certain recorded personal information, receive information about applicable privacy practices, or exercise available choices concerning information sharing.

Certain information may be subject to exceptions or retention requirements.

10. Insurance-Specific Privacy Notices

Insurance transactions may be subject to additional federal and state privacy laws and carrier-specific notices.

Where required, applicable notices or authorizations will be provided separately as part of the insurance application or servicing process.

This website Privacy Policy does not replace any insurance-specific notice required by law.

11. Children's Information

Our website is intended for adults. Information about minors may be provided by parents or legal guardians when necessary for insurance-related services.

12. Policy Updates

We may update this Privacy Policy when our services, technology, information practices, or applicable requirements change.

The effective date will reflect the most recent approved version.

13. Contact Information

Heritage Oaks Insurance Agency LLC

San Antonio, Texas

Texas Agency License: 3568892

Arizona Agency License: 3004502134

Phone: 210-560-0215

Email: james@heritageoaksinsurance.com

Texas and Arizona insurance agency licensing information is available upon request and through the applicable state insurance department.