Privacy Policy

Panorama Insurance Agency, Inc. (“Panorama Insurance,” “Panorama,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our website, submit a form, request an insurance quote, communicate with us, obtain our services, or otherwise interact with us.

 

By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

 

We may collect information you voluntarily provide, including your name, mailing address, email address, telephone number, location, insurance interests, property or vehicle information, business information, and information contained in quote requests, applications, messages, emails, calls, or documents you provide.

 

Depending on the insurance product or service involved, we may also collect information reasonably necessary to evaluate insurance needs, process applications, administer policies, assist with claims, verify identity, prevent fraud, or comply with insurance and legal requirements.

 

We may receive information about you from insurance carriers, underwriting partners, referral sources, lead-generation providers, marketing providers, publicly available sources, and other third parties where permitted by law.

 

When you use our website, we may automatically collect technical and usage information such as your IP address, browser type, device information, operating system, referring website, pages visited, approximate location, date and time of access, and information about how you interact with our website.

We may use personal information to respond to inquiries and quote requests, evaluate insurance needs, identify and provide insurance products and services, process applications, communicate with carriers and underwriting partners, administer policies, assist with claims, and provide customer support.

 

We may also use information to verify information, prevent fraud or unauthorized activity, maintain business and insurance records, operate and improve our website, conduct analytics and quality assurance, manage customer relationships, and comply with applicable laws, regulations, legal processes, and insurance requirements.

 

Where permitted by law, we may use information for marketing, advertising, lead generation, referrals, customer acquisition, and communications. We may also use information for purposes disclosed when it is collected or for other purposes permitted by applicable law.

 

We may disclose personal information when reasonably necessary to provide insurance products and services, operate our business, fulfill your requests, or comply with legal obligations. This may include disclosures to insurance carriers, underwriting partners, brokers, agents, wholesalers, claims-related parties, and other insurance professionals.

 

We may also share information with technology, website hosting, cybersecurity, customer relationship management (CRM), lead-management, lead-generation, referral, marketing, advertising, analytics, communications, and other service providers that support our business.

 

Information may also be disclosed to professional advisors, government agencies, regulators, courts, law enforcement, or other parties when required or permitted by law, or when reasonably necessary to prevent fraud, address security issues, enforce agreements, or protect our rights, property, or safety.

 

We may disclose information as part of a merger, acquisition, financing, restructuring, sale of assets, change in ownership, bankruptcy, or similar business transaction. We may also disclose information when you direct us to do so or provide consent where consent is required.

 

Panorama may use third-party services to support lead generation, lead management, referrals, customer relationship management, marketing, advertising, analytics, communications, and customer acquisition. These services may help us respond to inquiries, manage prospective and existing customer relationships, communicate with customers, and evaluate the effectiveness of our marketing activities.

 

Where permitted by applicable law, we may use information obtained through these services for business development, advertising, marketing communications, and customer outreach. Third-party providers may process information on our behalf through website forms, advertisements, referral arrangements, cookies, pixels, analytics technologies, or other lawful methods.

 

If you provide your contact information or request information from us, we may contact you regarding your inquiry, quote, policy, account, claim, or requested service. Where permitted by law, we may also send promotional communications. You may unsubscribe from promotional email communications using the instructions provided in the applicable communication.

 

Opting out of promotional communications does not necessarily prevent service-related, transactional, administrative, policy-related, security-related, or legally required communications. Telephone, text-message, and other electronic communications may be subject to additional consent requirements, and Panorama will use such communications in accordance with applicable law.

Our website may use cookies, pixels, tags, web beacons, analytics tools, advertising technologies, and similar technologies to operate and secure the website, remember preferences, understand website usage, improve performance, and measure marketing effectiveness.

 

These technologies may also support lead generation, advertising, analytics, customer acquisition, and other business activities. Third-party providers may place or access these technologies when providing services to us.

 

You may be able to control or delete cookies through your browser or device settings. Disabling certain cookies may affect website functionality. Where required by law, we will provide additional disclosures and choices regarding cookies and online tracking.

 

Insurance transactions may involve personal, financial, medical, property, claims, or other information that is confidential or subject to additional privacy protections under federal or state law.

 

Panorama may collect, use, and disclose such information as reasonably necessary to provide insurance products and services, evaluate applications, communicate with carriers and service providers, administer policies, assist with claims, prevent fraud, and comply with legal and regulatory requirements.

 

Certain insurance-related information may be subject to separate privacy requirements or statutory exemptions. Where a separate privacy notice applies to a particular insurance product, transaction, or customer relationship, that notice will govern to the extent required by applicable law.

We maintain reasonable administrative, technical, physical, and organizational safeguards designed to protect personal information and nonpublic personal information against unauthorized access, use, disclosure, alteration, or destruction.

 

Access to information is limited to persons and service providers who reasonably need it to perform authorized business or insurance functions, subject to applicable requirements.

 

However, no website, electronic transmission, storage system, or security measure can be guaranteed to be completely secure. While we take reasonable measures to protect information, we cannot guarantee absolute security.

 

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, administering insurance relationships, maintaining business and insurance records, resolving disputes, preventing fraud, and protecting our rights.

 

We may also retain information as necessary to comply with applicable legal, regulatory, and insurance requirements. Retention periods may vary depending on the type of information, the purpose for which it was collected, and applicable requirements.

 

 

Our website may contain links to third-party websites, insurance carriers, social media platforms, services, or other resources. Panorama does not control and is not responsible for the privacy practices, security, content, or policies of third parties.

 

Your interactions with third-party websites and services are governed by their own privacy policies and terms. The inclusion of a third-party link does not necessarily constitute an endorsement or recommendation by Panorama.

 

Because Panorama Insurance Agency, Inc. is located in California, certain California privacy laws may apply to information we collect and process. If you are a California resident and applicable law applies to your information or relationship with Panorama, you may have certain rights regarding your personal information, subject to applicable exceptions and exemptions.

 

Depending on applicable law, these rights may include the right to know about personal information we collect, use, or disclose; the right to request access to or correction of certain personal information; the right to request deletion of certain personal information; and, where applicable, the right to opt out of the sale or sharing of personal information or certain targeted advertising activities.

 

California law may also provide rights concerning certain sensitive personal information, as well as rights relating to the use of recognized privacy preference signals. Some information and activities, including certain insurance-related information and activities, may be subject to statutory exemptions or separate privacy requirements.

 

To exercise a qualifying privacy right, you may contact us using the information provided in the “Contact Us” section of this Privacy Policy. We may request information reasonably necessary to verify your identity or authority before processing your request. We will respond to qualifying requests within the time and manner required by applicable law.

 

Where required by California law, Panorama will provide legally required notices and mechanisms for exercising applicable privacy choices. If our website uses technologies that constitute a sale, sharing, or targeted advertising activity under applicable California law, we will provide the required opt-out mechanism and honor valid requests.

 

Our website may use cookies, analytics, advertising, marketing, and similar technologies that collect information about visitors and their interactions with our website. Where applicable law requires us to recognize a legally valid opt-out preference signal, we will process such signals in accordance with applicable requirements.

 

Our website may not respond to every browser-based “Do Not Track” signal. The absence of a response to a particular browser signal does not affect any privacy rights or choices provided to you under applicable California law.

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.

 

If you believe a child has provided personal information to us, please contact us so that we can take appropriate action.

We may disclose personal information when we reasonably believe disclosure is necessary to comply with applicable law, regulation, subpoena, court order, governmental request, or legal process.

 

We may also disclose information to prevent or investigate fraud or unlawful activity, address security incidents, establish or defend legal claims, enforce agreements, or protect the rights, property, safety, and security of Panorama, our customers, employees, service providers, or others.

 

Nothing in this Privacy Policy is intended to limit any privacy right, protection, or disclosure restriction that cannot lawfully be limited or waived.

 

We may update this Privacy Policy from time to time to reflect changes in our business, website, services, technology, privacy practices, or applicable laws and regulations.

 

When changes are made, we will update the Effective Date shown at the beginning of this Privacy Policy. Where required by law, we will provide additional notice or obtain consent before implementing material changes.

 

We encourage you to review this Privacy Policy periodically to remain informed about our privacy practices.

If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact Panorama Insurance Agency, Inc. at 19302 Citronia Street, Northridge, California 91324.

 

You may also contact us by telephone at (818) 781-6630 or (747) 277-7170, or by email at info@panorama-ins.com. Additional information about Panorama Insurance and its services is available at panorama-ins.com.

 

When submitting a privacy request, please provide sufficient information for us to understand and process your request. We may request additional information when reasonably necessary to verify your identity or authority to make the request.