Privacy Policy

Jesus Galvan with Bearstar Insurance Services ("we," "us," or "our") operates the website jgbusinessinsurance.com. We are committed to protecting your personal information and your right to privacy.

This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information. This policy applies to all information collected through our website and any related services, sales, marketing, or events.

1. INFORMATION WE COLLECT

We collect personal information that you voluntarily provide to us when you request an insurance quote, express an interest in obtaining information about us or our products, or otherwise contact us.

The personal information we collect may include:

• Personal Identity Information: Name, address, email address, phone number.

• Business Information: Business name, FEIN/Tax ID, business address, revenue, and payroll data.

• Insurance Underwriting Data: Driver’s license numbers, Vehicle Identification Numbers (VINs), date of birth, claims history, and prior insurance information.

• Payment Data: We do not store credit card information on our servers. Payment processing is handled by third-party insurance carriers or payment gateways.

2. HOW WE USE YOUR INFORMATION

We use the information we collect or receive for the following purposes:

• To Provide Services: To quote and issue insurance policies and surety bonds.

• To Communicate with You: To send you quotes, policy documents, renewal reminders, and respond to your inquiries.

• To Facilitate Underwriting: We share your specific risk information with insurance carriers (e.g., Next Insurance, Travelers, The Hartford) and wholesalers (e.g., Bearstar Insurance Services, Bond Exchange) solely for the purpose of obtaining coverage.

• To Enforce Terms: To enforce our terms, conditions, and policies for business purposes, to comply with legal and regulatory requirements, or in connection with our contract.

3. SHARING YOUR INFORMATION

We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.

• Insurance Carriers & Aggregators: We share your data with insurance companies and our partner, Bearstar Insurance Services, to generate quotes and bind coverage.

• Service Providers: We may share data with third-party vendors (like website hosting or email services) who perform services for us.

• Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, or a judicial proceeding.

We do NOT sell your personal information to third parties for marketing purposes.

4. SMS/TEXT MESSAGE PRIVACY

If you provide your phone number, you consent to receive text messages from us regarding your insurance quotes or policies.

• No Mobile Information Sharing: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. NOTICE TO CALIFORNIA RESIDENTS (CCPA/CPRA)

Under the California Consumer Privacy Act (CCPA), California residents have specific rights:

• Right to Know: You may request that we disclose to you what personal information we have collected, used, or shared about you.

• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions (such as data we are legally required to keep for insurance record retention laws).

• Right to Opt-Out: You have the right to opt-out of the sale of your personal information. (Note: We do not sell your personal information.)

• Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, please contact us at the email or address listed below.

6. SECURITY OF YOUR INFORMATION

We use administrative, technical, and physical security measures to help protect your personal information. However, please remember that no transmission over the internet is 100% secure.

7. THIRD-PARTY WEBSITES

Our website may contain links to third-party websites (such as Bond Exchange or carrier payment portals). We are not responsible for the privacy practices or content of those third-party sites.

8. CONTACT US

If you have questions or comments about this policy, you may contact us at:

Jesus Galvan
Authorized Partner of Bearstar Insurance Services
Mailing Address: 304 S Jones Blvd #1702, Las Vegas, NV 89107
Email: jesus@bearstarins.com
Phone: 888-601-0088 Ext 108