Privacy Policy

Bayshield Insurance Services Inc. (“Bayshield,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains the types of personal information we may collect, how we use and disclose that information, the choices and rights available to you, and how you can contact us.

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

This Privacy Policy applies to personal information collected through bayshieldins.com, our online forms, and communications connected with this website. It also applies when you contact us by email, phone, text message, or another method regarding our insurance services.

This policy does not replace any separate privacy notice that may apply to information collected in connection with an insurance application, policy, claim, or other financial product. Certain insurance-related information may be governed by federal or state financial privacy laws and by a separate notice provided when required.

The personal information we collect depends on how you interact with us and the insurance services you request.

Information you provide directly

We may collect information you submit through a contact form, quote request, email, telephone call, or other communication, including:

• Name, mailing address, email address, and telephone number
• Preferred contact method and communication preferences
• Information about the type of insurance or service you are interested in
• Details about vehicles, drivers, homes, properties, businesses, employees, valuable items, or other subjects of requested coverage
• Current or prior insurance information, coverage preferences, claims history, and loss history
• Date of birth, driver’s license information, and other identifiers when needed for a quote, application, servicing, or verification
• Information contained in documents or messages you choose to send us
• Any other information you voluntarily provide

Information collected automatically

When you use our website, we or our service providers may automatically collect certain internet or device information, such as:

• Internet Protocol address
• Browser type, device type, operating system, and language settings
• Pages viewed, links selected, referring pages, and approximate visit times
• General location inferred from an IP address
• Cookie identifiers and similar technical information

Information from other sources

When permitted by law and relevant to the services you request, we may receive information from insurance carriers, managing general agents, wholesalers, underwriters, consumer reporting agencies, public records, business partners, service providers, or other third parties.

We may use personal information to:

• Respond to questions and contact requests
• Prepare, obtain, compare, or discuss insurance quotes
• Evaluate insurance needs and help identify possible coverage options
• Submit information to insurance markets when you ask us to pursue coverage
• Process applications and assist with policy placement, servicing, renewals, changes, or cancellations
• Authenticate users, verify information, and help prevent fraud or misuse
• Communicate about services, requests, policies, and customer support
• Operate, maintain, secure, troubleshoot, and improve our website and services
• Analyze website performance and understand how visitors use the site
• Maintain business, transaction, compliance, and customer-service records
• Comply with applicable laws, regulations, legal processes, and insurance requirements
• Protect our rights, safety, property, customers, and business operations
• Carry out another purpose disclosed when the information is collected or with your consent

We may disclose personal information as reasonably necessary for the purposes described in this policy, including to:

• Insurance organizations. Insurance carriers, managing general agents, wholesalers, underwriters, premium finance providers, claims administrators, and other parties involved in quoting, placing, or servicing coverage.
• Service providers. Vendors that provide website hosting, form processing, communications, data storage, security, analytics, information technology, customer management, document handling, or other business services.
• Professional advisers. Attorneys, accountants, auditors, consultants, and other professional advisers where appropriate.
• Government and legal recipients. Regulators, law enforcement, courts, or other parties when disclosure is required or permitted by law, legal process, or an applicable insurance requirement.
• Parties to a business transaction. Actual or prospective buyers, sellers, lenders, advisers, or other participants in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, subject to appropriate safeguards.
• Other parties at your direction. A person or organization you authorize, or another party when you consent to or direct the disclosure.

We may also disclose information when reasonably necessary to detect fraud, protect legal rights, enforce agreements, or protect the safety and security of individuals, our services, or our business.

Bayshield does not sell personal information for money. We also do not knowingly share personal information for cross-context behavioral advertising as those terms are defined by California law.

If our practices change, we will update this Privacy Policy and provide any notices, choices, or opt-out mechanisms required by applicable law.

Our website may use cookies and similar technologies to support essential site functions, remember preferences, improve performance, maintain security, and understand website activity. Some cookies may be placed by service providers that help operate or analyze the website.

You can adjust cookie settings through your browser. Blocking certain cookies may affect the availability or operation of some website features.

Do Not Track and Global Privacy Control

Because there is not currently a uniform industry standard for browser-based “Do Not Track” signals, our website may not respond to them. Where required by applicable law, we will process a recognized opt-out preference signal, such as Global Privacy Control, as a request to opt out of sale or sharing for the browser or device from which the signal is sent.

When you provide contact information, we may use it to respond to your request and communicate about insurance services. If you consent to receive marketing communications, you may unsubscribe from marketing emails by using the unsubscribe instructions in the message.

If Bayshield offers text messaging and you consent to receive texts, message and data rates may apply. Message frequency may vary. You may reply STOP to opt out or HELP for assistance. Consent to marketing communications is not a condition of purchasing insurance.

Opting out of marketing does not prevent us from sending non-marketing messages about an active request, transaction, policy, or other service relationship when permitted by law.

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, provide requested services, maintain business and insurance records, meet legal and regulatory obligations, resolve disputes, enforce agreements, and protect our rights.

Retention periods vary based on the type of information, our relationship with you, applicable insurance requirements, and legal or operational needs. When information is no longer required, we may delete it, deidentify it, or securely retain it as permitted by law.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no internet transmission, electronic storage system, or security measure can be guaranteed to be completely secure.

Please use care when sending information online. Do not submit highly sensitive information through a general contact form unless the form specifically requests it and is intended for that purpose.

Depending on where you live and subject to applicable exceptions, you may have the right to:

• Request access to or confirmation of personal information we maintain about you
• Request correction of inaccurate personal information
• Request deletion of certain personal information
• Obtain a portable copy of certain personal information
• Opt out of certain sales, sharing, targeted advertising, or profiling
• Limit certain uses or disclosures of sensitive personal information
• Withdraw consent where processing is based on consent
• Appeal a decision regarding a privacy request where applicable
• Receive equal service and not be discriminated against for exercising a privacy right

These rights are not absolute. We may deny or limit a request when permitted by law, including when information must be retained for legal, regulatory, fraud-prevention, security, insurance-servicing, or other permitted purposes.

How to submit a request

You may submit a privacy request using one of the following methods:

• Email: support@bayshieldins.com
• Phone: (888) 234-8445
• Online: Contact Us

Please describe your request and provide enough information for us to identify the records involved. We may need to verify your identity before completing a request. Verification may depend on the nature of the request and the sensitivity of the information involved.

Where permitted, you may use an authorized agent to submit a request. We may ask for proof that the agent is authorized and may need to verify your identity directly. If an appeal right applies, you may appeal our decision by replying to our response or contacting us through one of the methods above.

If you are a California resident and the California Consumer Privacy Act, as amended, applies to your information, you may have the rights described below. Certain information and activities may be exempt, including information subject to federal financial privacy law and other insurance-related exemptions.

Categories collected and disclosed

During the preceding 12 months, depending on our interactions with consumers, we may have collected the following categories of personal information:

• Identifiers, such as name, postal address, email address, telephone number, IP address, account identifiers, or driver’s license information
• Customer-record information, such as contact, insurance, financial, vehicle, property, or policy-related information
• Characteristics protected by law, such as age or other information relevant to underwriting where permitted
• Commercial information, such as insurance products considered, requested, or obtained
• Internet or electronic network activity, such as browsing activity and interactions with our website
• Geolocation information, such as approximate location inferred from an IP address
• Audio or similar information, such as telephone recordings where used and permitted with appropriate notice
• Professional or employment-related information, when relevant to commercial insurance or another requested service
• Inferences, such as insurance interests or likely coverage needs derived from information provided
• Sensitive personal information, such as driver’s license information, account credentials, or precise information needed for an insurance transaction, when applicable

We collect these categories from the sources and for the business purposes described in Sections 2 and 3. We may disclose them for business purposes to the categories of recipients described in Section 4.

We do not use or disclose sensitive personal information for purposes that require us to provide a right to limit under California law. We do not knowingly sell or share the personal information of consumers under 16 years of age.

California consumer requests

Subject to applicable exceptions, California residents may request to know, access, correct, or delete personal information and may request information about categories of sources, business purposes, and third parties. California residents may also opt out of sale or sharing and may not be discriminated against for exercising these rights. Use the request methods listed in Section 10.

Insurance agencies and other financial institutions may be subject to the Gramm-Leach-Bliley Act and related state laws. If those laws apply to our relationship with you, you may receive a separate financial or insurance privacy notice describing how nonpublic personal information is collected, disclosed, protected, and retained.

If there is a conflict between this website Privacy Policy and a privacy notice that applies specifically to an insurance or financial relationship, the specific notice controls for the information and relationship it covers.

Our website is intended for a general audience and is not directed to children under 13. We do not knowingly collect personal information online from children under 13. If you believe a child has provided personal information to us through this website, please contact us so we can review and address the matter.

Our website may link to websites, portals, forms, or services operated by insurance carriers or other third parties. Their privacy and security practices are governed by their own policies. We encourage you to review those policies before providing personal information. Bayshield is not responsible for the privacy practices or content of third-party services.

We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal obligations. We will post the revised version on this page and update the “Last updated” date. If required by law, we will provide additional notice of material changes.

We want this Privacy Policy to be accessible to everyone. If you have difficulty reading or accessing this policy, please contact us by phone or email. We will work with you to provide the information in an accessible format.

If you have questions about this Privacy Policy, our privacy practices, or a privacy request, contact:

Bayshield Insurance Services Inc.
19200 Von Karman Avenue, Suite 400
Irvine, CA 92612
Phone: (888) 234-8445
Email: support@bayshieldins.com
California Insurance License No. 0M25304