Introduction
Fred Loya Insurance (“Fred Loya”, “we”, “us”, or “our”) may collect personal information through www.fredloya.com (the “Site”), through offline means such as in-person events, or through the provision of our insurance services (collectively, the “Services”).
This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information. Unless otherwise noted, the disclosures contained in this Privacy Policy describe our current practices and our practices for the twelve (12) months preceding the “Last Updated” date.
Personal Information Collected
Personal information, meaning information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you, may be collected from the following sources:
Information You Provide Directly
This includes information you provide when you complete an online form, create or use an account, make a payment, subscribe to communications, apply for employment, or otherwise communicate or transact with us.
Information Collected Through Cookies and Similar Technologies
We, and our vendors, may collect personal information through cookies and similar technologies (such as pixels, beacons, and APIs) enabled on the Site. Additional information regarding these technologies is described in the Cookies and Similar Technologies section below.
Information We Obtain from Vendors
We may receive personal information from vendors and service providers that perform services on our behalf, such as payment processors, marketing providers, analytics providers, and customer support vendors.
Information We Obtain from External Sources
We may obtain personal information from third parties such as marketing partners, co-sponsors, mailing list providers, and other sources that you direct to share information with us.
Categories of Personal Information
Depending on your interactions with us, we may process the following categories of personal information:
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Identifiers
Name, alias, postal address, email address, telephone number, IP address. -
Commercial Information
Records of products or services purchased, obtained, or considered. -
Customer Records
Insurance policy information, payment information, financial information, claims history, and related records.
Some information in this category may be considered sensitive under applicable privacy laws. -
Demographic Information
Age, gender, marital status, national origin, citizenship or immigration status, disability.
Some information in this category may be considered sensitive under applicable privacy laws. -
Government Identification Information
Social Security number, driver’s license number, passport number.
Some information in this category may be considered sensitive under applicable privacy laws. -
Internet or Other Electronic Network Activity Information
Browsing history, search history, and interactions with the Site or advertisements. -
Audio, Electronic, Visual, or Similar Information
Call recordings, chat transcripts, photos or videos related to claims. -
Professional or Employment-Related Information
Employment history, education history, job application information. -
Vehicle and Driving Records
Vehicle identification number (VIN), vehicle photos, driving history. -
Inferences
Inferences drawn from personal information to create profiles reflecting preferences or characteristics.
Some information in this category may be considered sensitive under applicable privacy laws.
Cookies and Similar Technologies
We, or our vendors, use cookies and similar technologies to support website functionality, enhance security, analyze usage, diagnose technical issues, prevent fraud, and support advertising and marketing activities. These technologies may collect information such as IP address, device identifiers, referral URLs, pages visited, and interactions with the Site.
You may manage your cookie preferences at any time through our cookie settings tool, which allows you to accept or reject non-essential cookies, including analytics and advertising cookies. You may also opt out of certain uses of cookies that may be considered a “sale” or “sharing” of personal information under applicable state privacy laws by using the cookie settings options available through the Site.
The Site does not respond to browser “Do Not Track” signals. We are not responsible for the functionality of opt-out mechanisms provided by third parties.
Use and Disclosure of Personal Information
We may use and disclose personal information for purposes including, but not limited to:
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Providing and administering our Services
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Processing transactions, payments, claims, and applications
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Communicating with you, including regarding policy information or payments
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Maintaining internal records and improving our Services
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Conducting analytics and quality assurance
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Conducting marketing and promotional activities
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Protecting against fraud, security incidents, and legal liabilities
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Complying with legal obligations and enforcing our policies
We use sensitive personal information only as reasonably necessary to provide our Services, prevent fraud, ensure security, comply with law, or as otherwise permitted under applicable privacy laws.
Retention of Personal Information
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, enforce agreements, or protect our legal rights.
Retention periods are determined based on the nature of the information, the purpose for which it is collected, legal requirements, and potential risks associated with retention.
Security
We implement reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Links and Interactive Features
The Services may contain links to third-party websites or interactive features not controlled by Fred Loya. We are not responsible for the privacy practices of third parties, and this Privacy Policy does not apply to services not operated by us.
Privacy Rights
Depending on your state of residence, including California, Colorado, and Texas, you may have certain rights regarding your personal information. These rights may include:
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The right to confirm whether we process your personal information
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The right to access or obtain a copy of your personal information
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The right to correct inaccurate personal information
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The right to request deletion of personal information
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The right to opt out of certain processing, including targeted advertising or activities that may be considered a “sale” or “sharing” of personal information
To exercise your privacy rights, you may contact us using the information below. We may take reasonable steps to verify your identity before processing a request. We will not discriminate against you for exercising your privacy rights.
Opt-Out of Sale or Sharing
You may opt out of cookies and similar technologies used for analytics or advertising purposes by using our cookie settings tool available through the Site. This tool allows you to manage your preferences and opt out of certain uses of personal information that may be considered a “sale” or “sharing” under applicable state privacy laws.
Authorized Agents
Where permitted by law, you may designate an authorized agent to submit privacy rights requests on your behalf. We may require verification of the agent’s authority and your identity before processing such requests.
California Shine the Light
California residents may request information regarding disclosures of personal information to third parties for direct marketing purposes by contacting us using the information below.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with an updated “Last Updated” date. Changes are effective when posted.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Email: customerservice@fredloya.com
Phone: 1-800-444-4040
Mail:
P.O. Box 972450
El Paso, TX 79997