Pacific Grande Privacy Policy

Privacy Policy

Updated October 27, 2026

General

Pacific Coastal Insurance Agency LLC d/b/a Pacific Grande Insurance Agency (“Pacific Grande”) and Western States Wildfire Services Company (“Western States”) respect your privacy. In this Privacy Policy, “we,” “us,” and “our” refer to Pacific Grande and Western States, each with respect to the Personal Information it collects and uses.

This Privacy Policy (“Policy”) describes how we collect, use, disclose, and protect Personal Information in connection with your use of websites that link to this Policy (the “Site”) and our related communications, marketing, and advertising activities, as well as Personal Information we obtain from other sources. This Policy applies to Personal Information as defined under applicable privacy laws, including the California Consumer Privacy Act (“CCPA”), and does not apply to information that is deidentified or aggregated such that it cannot reasonably be linked to an individual.

SCOPE OF THIS POLICY

This Policy primarily addresses Personal Information collected for website operation, analytics, marketing, advertising, and related business purposes, including information obtained from other sources for those purposes. The CCPA disclosures and rights described in this Policy apply only to Personal Information subject to the CCPA.

The CCPA does not apply to Personal Information collected, used, or disclosed in connection with an insurance transaction to the extent that information is governed by the California Insurance Code and its regulations. Certain Personal Information governed by the Gramm-Leach-Bliley Act may also be exempt from the CCPA, subject to applicable exceptions. Whether an exemption applies depends on the information and how it is collected and handled, not simply on whether you are an insurance customer. Nonexempt website, marketing, and advertising information remains subject to the CCPA disclosures and rights described in this Policy.

If we intend to process Personal Information for purposes not described in this Policy, we will provide notice and, where required, obtain your consent prior to such processing.

WHAT CATEGORIES OF PERSONAL INFORMATION DO WE COLLECT, WHY DO WE COLLECT IT, AND NOTICE AT COLLECTION

We collect information that relates to you as an identifiable natural person (“Personal Information”). We may collect Personal Information when you interact with our Site, applications, or services and from other sources before you interact with us.

Information Collected for Marketing and Advertising. We may collect identifiers and contact information; property, geographic, and household information; commercial information; internet or other electronic network activity; advertising and device identifiers; and inferences drawn from this information. We may combine information from different sources to identify prospective customers, maintain marketing records, and conduct and measure advertising.

We do not sell Personal Information for money. We share identifiers and online activity with advertising partners for cross-context behavioral advertising, which may be “sharing” under California law. To opt out, use the “Do Not Sell or Share My Personal Information” link on our Site. We retain each category of Personal Information as described under “How We Retain Information We Collect.”

INSURANCE INFORMATION AND INSURANCE TRANSACTIONS

The information described below concerning insurance requests is included to explain the insurance process, not to include exempt insurance information in our CCPA notice at collection. Pacific Grande serves as the consumer-facing insurance agency, and Western States supports program administration and related operations. Information submitted to request insurance information or a coverage indication may be provided between Pacific Grande and Western States and to insurance agencies and insurers involved in responding to the request or placing coverage. To the extent that information is governed by the California Insurance Information and Privacy Protection Act or other applicable insurance privacy laws, it is handled under those laws and the applicable insurance privacy notice.

We may collect Personal Information for other purposes, which include, but are not limited to:

“Contact Us” Features

We encourage visitors to the Site to contact us with questions and comments. Email addresses and other information of persons using these features may be collected in order to facilitate our responses to those inquiries.

GENERAL USES

Additionally, we use Personal Information about you for the following purposes:

• to establish or maintain our relationship with you;• to identify prospective customers and keep you informed of products and services we think may be of interest to you, including those of our affiliates;• to create and manage advertising audiences and deliver, measure, and improve advertising;• to facilitate requests for products or services;• to personalize your experience with us and to assist you while you use the Site;• for business administration, including statistical analysis;• to improve the Site by helping us understand who uses the Site;• to process and honor privacy requests, opt-out preference signals, and advertising choices;• to protect the interests of visitors to our Site, our employees, and other third parties;• to investigate violations of our policies and applicable law; or for fraud prevention and detection and to comply with applicable laws, regulations, or codes of practice.

HOW DO WE COLLECT PERSONAL INFORMATION

We may collect information about you directly from you, from third parties, and automatically through your use of the Site.

Direct Collection

We collect Personal Information from you directly when you fill out any forms on the Site. Also, depending on the services available to you on our Site, we may request specific Personal Information necessary to perform the services.

You are under no obligation to provide any such information. However, if you should choose to withhold requested information, we may not be able to provide you with the services.

Automatic Collection

As with all websites, there are certain elements of Personal Information which we automatically collect simply as a part of your interaction with the Site. Along with the normal information necessary for us to present the Site to you, we also use various technologies to collect Personal Information in connection with your use of the Site.

Our web pages may incorporate “pixel tags”, “web beacons”, or other similar tracking technologies (collectively, “pixel tags”) that allow us to track the actions of users of our Site (known as “click-stream data”). Click-stream data can include Personal Information, such as the IP address of the computer you are using, the type of operating system and browser software that you use, the date and time of your access to our Site, the website address, if any, from which you linked directly to our Site, the website address, if any, to which you then travel from our Site, and any similar traffic-related information.

We may also aggregate your click-stream data with similar data collected from other users in order to help us improve our Site and the services we provide through our Site. If we combine information which is not personal with Personal Information, we will consider the combined information as Personal Information.

Affiliated Brands and Third Parties

We may receive Personal Information about you from publicly available sources; consumer data providers and other commercial sources; affiliated entities; insurance agencies, carriers, and brokers; advertising and analytics partners; and vendors and service providers that support our operations. This may include:

• Public property and other government records• Consumer data providers and other commercial sources• Insurance carriers, agencies, or brokers that refer individuals, request risk assessments, or participate in providing or placing coverage• Advertising and analytics partners• Contractors, vendors, and technology providers that support our services and operations

We use this information for the purposes described in this Policy, including to facilitate service delivery, assess property risk, conduct marketing and advertising, administer our business, and communicate with you, service providers, and insurance agencies and insurers. Any Personal Information received from third parties is handled in accordance with this Policy and applicable law.

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie.

Cookies perform different functions such as letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. The kinds of the cookies that may be used on the Site are set out below:

• Essential cookies are necessary for the Site to work, such as keeping it secure and remembering your cookie choices. They cannot be turned off.• Performance and functionality cookies help the Site work smoothly and remember your preferences. They are not essential, but some features may not work without them.• Analytics cookies help us understand how visitors use the Site, such as which pages are visited and where errors occur, so we can improve it.• Advertising cookies, pixel tags, and similar technologies help us and our advertising partners deliver advertising, create and match advertising audiences, measure campaign and conversion activity, and understand interactions with our Site. Our advertising partners, including Meta and Google, may collect identifiers and online activity through these technologies on our Site. These technologies may recognize your browser or device and may disclose identifiers and online activity to advertising partners. Nonessential advertising technologies are used in accordance with your cookie and privacy choices.

Our disclosure of identifiers, audience information, and online activity to advertising partners for cross-context behavioral advertising may constitute “sharing” under California law. The choices available to California residents are described under “Your Privacy Rights.”

When you first visit the Site, you can accept or decline nonessential cookies. Nonessential cookies are used only if you accept them. You can change your choices at any time through the “Do Not Sell or Share My Personal Information” link on the Site.

HOW WE RETAIN INFORMATION WE COLLECT

We will retain Personal Information only for as long as reasonably necessary and proportionate for the purposes described in this Policy. Retention periods vary based on the nature and source of the information, the duration of the relevant relationship or activity, applicable legal, contractual, insurance, and audit requirements, and our need to establish, exercise, or defend legal claims.

WHEN DO WE DISCLOSE THE PERSONAL INFORMATION WE COLLECT

Except as provided in this Policy or as permitted by applicable law, we will not sell, rent, or otherwise disclose Personal Information about you to unaffiliated third parties. Pacific Grande and Western States may disclose Personal Information to each other for the purposes described in this Policy. We disclose Personal Information to affiliated brands; insurance agencies, carriers, and other entities involved in providing or placing coverage; vendors, service providers, and contractors that support our operations; and advertising and analytics partners. We may disclose identifiers and online activity to advertising partners through audience tools, pixel tags, and similar technologies. Those disclosures may constitute sharing for cross-context behavioral advertising under California law.

When you request a coverage indication or other insurance information, we may disclose the information you submit to each other and to insurance agencies and insurers to respond to your request. That information may be handled under the California Insurance Code and the applicable insurance privacy notice. Personal Information we maintain separately for marketing or advertising remains subject to this Policy.

We also will disclose Personal Information for the purposes described in this Policy, or if permitted or required by law; including compliance with warrants, subpoenas or other legal process. Pacific Grande or Western States may provide personal and other information to a purchaser or successor entity in connection with the sale of the applicable entity, a subsidiary or line of business associated with that entity, or substantially all of the assets of that entity or one of its subsidiaries, affiliates or lines of business.
In addition, Pacific Grande or Western States may provide its affiliates or unaffiliated third parties with aggregate information about visitors to our Site or users of our applications. For example, we might disclose the median ages of visitors to the Site, or the numbers of visitors to our Site that come from different geographic areas. Such aggregate information will not include Personal Information of any individual visitors to our Site or users of our applications.

Third Party Sites

Certain third party websites or applications may be linked to the Site or applications. These third party websites and applications include their own privacy policies. Please refer to these policies when using one of the linked websites. Neither Pacific Grande nor Western States is responsible for the privacy policies and practices of other websites or applications that are linked to our Site or applications.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We take measures to prevent unauthorized intrusion to the Site and the applications and the alteration, acquisition or misuse of Personal Information by unauthorized persons. However, we caution visitors to our Site and users of our applications that no network, including the internet, is entirely secure.

YOUR PRIVACY RIGHTS

For California residents, the CCPA rights described below apply only to Personal Information subject to the CCPA and are subject to applicable exceptions and limitations. They do not apply to insurance-transaction information or other information to the extent exempt from the CCPA, including qualifying information governed by California insurance privacy laws or the Gramm-Leach-Bliley Act. You may have separate rights concerning that information under the applicable law. An insurance relationship with us does not prevent you from exercising CCPA rights over nonexempt Personal Information we maintain about you.

• Accessing your Personal Information.You may request that we provide you: (i) the specific pieces of Personal Information that we have about you; (ii) categories of Personal Information we have collected about you; (iii) categories of sources from which the Personal Information is collected; (iv) categories of Personal Information that we have sold, shared, or disclosed for a business purpose about you; (v) categories of third parties to whom the Personal Information was sold, shared, or disclosed for a business purpose; and (vi) the business or commercial purpose for collecting, selling, or sharing Personal Information.• Correcting or Deleting Your Personal Information. You may request that we correct inaccurate Personal Information or delete Personal Information we collected from you, subject to applicable exceptions. For example, we may retain information needed to fulfill your request or contract, protect security, fix technical errors, comply with legal obligations, or support permitted internal uses consistent with your relationship with Pacific Grande or Western States and the context in which you provided the information. To submit a request, see “Exercising Your Privacy Rights” below.• Selling or Sharing of Personal Information. We do not sell Personal Information for money. We may share identifiers and online activity with advertising partners for cross-context behavioral advertising. California residents may opt out by selecting “Do Not Sell or Share My Personal Information”, submitting an opt-out request through our privacy request form, or calling us toll-free at 866-896-7233. We also honor recognized opt-out preference signals, such as Global Privacy Control, as required by applicable law. When we detect a recognized opt-out preference signal, we treat it as a request to opt out of sale and sharing for that browser or device, and our Site will display that the request has been honored. We do not require identity verification to honor an opt-out request, although we may request the information reasonably necessary to locate the applicable record.• Exercising Your Privacy Rights. If you are a resident of a jurisdiction with applicable privacy law and would like to exercise any of your rights, you may submit a request through our privacy request form or by calling us toll-free at 866-896-7233. We may verify requests to access, know, correct, or delete Personal Information, but we will not require verification for a request to opt out of sale or sharing.• Designating an Authorized Agent. California residents may designate an authorized agent to exercise their rights under the CCPA. If you would like to designate an agent to manage your privacy preferences, you may do so using the mechanisms noted above under “Exercising Your Privacy Rights”. We will also need sufficient Personal Information about your authorized agent to be able to identify them. As part of this process, you must have permission from your authorized agent to disclose their Personal Information to us for the purpose of acting as your agent.• Non-discrimination. We will not unlawfully discriminate against you for exercising your rights under the CCPA, including by denying you access to goods or services; charging different prices or rates for goods or services, including through discounts or other benefits, or imposing penalties; providing a different level or quality of goods or services; or suggesting that you will receive a different price, rate, level, or quality of goods or services.

CHANGES TO THIS POLICY

This Policy describes Pacific Grande’s and Western States’ practices with respect to the collection of Personal Information and the subsequent use and disclosure of such information, subject to the applicable insurance privacy notices described above. We may revise this Policy from time to time. You can determine when this Policy was last revised by checking the “Updated” date at the top of the Policy.

CONTACT US

For questions about this Policy, contact either entity below. California residents may exercise their CCPA rights using the methods under “Exercising Your Privacy Rights.”

Pacific Coastal Insurance Agency LLC d/b/a Pacific Grande Insurance Agency

866-896-7233
[email protected]
Western States Wildfire ATTN: Rob Kingsley
301 NW 138th Terrace, Jonesville Florida

Western States Wildfire Services Company

866-896-7233
[email protected]
Western States Wildfire ATTN: Rob Kingsley
301 NW 138th Terrace, Jonesville Florida