Privacy Policy

Decker Insurance Solutions, Inc. (“we,” “us,” “our,” or “Decker Insurance”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or communicate with us — including via text message (SMS/MMS). By using our website or providing us your information, you agree to the practices described in this policy.

1. Who We Are & Where We’re Based

2. What Information We Collect

We collect various types of personal information depending on how you interact with us. This includes:

a. Information You Provide Directly

  • Name, address, email address, phone number (including mobile number)

  • Policy information (insurance type, coverage amounts, claims, etc.)

  • Other identifying information (e.g. date of birth, drivers’ license number) to the extent necessary for underwriting, claims, and insurance regulatory compliance

  • Mobile phone number for text message communications, if you opt in

b. Information We Collect Automatically

  • Device and browser information (IP address, browser type, operating system)

  • Usage data: pages visited, time spent, referring/exit pages

  • Cookies, web beacons, pixels, etc., to help us improve site functionality and user experience

c. Third-Party Sources

  • Information from our partners, insurers, or public sources as needed to verify coverage or claims or fulfill legal obligations

3. How We Use Your Information

We use collected information for purposes including (but not limited to):

  • Providing insurance quotes, policy issuance, renewals, and servicing your account

  • Processing and managing claims

  • Customer service and support

  • Sending reminders (e.g., payment, renewal, required inspections)

  • Text message (SMS/MMS) communications, if you opt in (see details in Section 6)

  • Compliance with legal, regulatory, or insurance-industry requirements

  • Improving our website, marketing, and operations

4. Legal Grounds & Consent

  • Under applicable laws (e.g. TCPA, California laws), we will obtain your express consent before sending you marketing or promotional text messages.

  • Some communications are transactional or informational (renewals, policy changes, claims), which may require your prior express consent or be permissible under narrower consent requirements, depending on jurisdiction.

  • By using our website, submitting your information, or opting in to text communications, you are consenting to those uses as described.

5. Text Messaging / SMS Communications

As texting becomes a more common way we communicate, we want to be clear on how we handle this:

a. What We’ll Send via Text

Messages may include:

  • Policy renewal or premium payment reminders

  • Claims updates, verification, or required actions

  • Promotional offers, informational messages about our products or services

b. Consent & Opt-In

  • By providing your phone number, you agree that Decker Insurance Solutions may contact you by call or text message regarding your insurance account. Message and data rates apply

c. Opt-Out

  • You can opt out at any time by replying STOP or as otherwise instructed in the message.

  • After opting out, you may receive a one-time confirmation text to acknowledge your opt-out; no further non-transactional/promotional texts will be sent.

d. Message Frequency & Rate Notices

  • We will try to limit the frequency of marketing/promotional messages. If frequency varies, that will be disclosed at opt-in.

  • Standard message & data rates may apply depending on your carrier.

e. Security of SMS Communication

  • SMS is not fully secure. We advise not sending highly sensitive personal information (e.g. full Social Security Number, bank account credentials) via text.

  • For secure exchanges of sensitive data, we will provide safer methods (secure portals, encrypted email, phone, in-person).

6. Data Sharing & Disclosure

We may share your personal information with:

  • Service Providers & Partners: Companies that help us run our business (e.g. SMS/text service providers, claims adjusters, web hosting, analytics services)

  • Insurance Carriers: so they can issue, underwrite, or service your policy or claim

  • Regulators or Government Entities: when required by law or regulation

  • To Comply with Law: if required by a court order, subpoena, law enforcement request

We do not sell or rent your personal information to unaffiliated third parties for marketing, unless with your explicit consent.

7. Rights Under Privacy Laws (e.g. California)

If you are a consumer under applicable privacy laws (e.g. California’s CCPA/CPRA), you may have certain rights, including:

  • The right to know what personal information we have collected about you, and how we use and share it

  • The right to delete your personal information (subject to legal exceptions)

  • The right to correct inaccurate information

  • The right to limit the use or disclosure of sensitive personal information

If you are a California resident, we will provide a Notice at Collection that informs you of the categories of personal information collected and the purposes.

8. Data Retention

  • We retain your personal information only as long as needed for the purposes described: servicing your policies, fulfilling legal and regulatory obligations, or until you request deletion (subject to exceptions).

  • After data is no longer needed or required by law, we securely delete or anonymize it.

9. Security

  • We use reasonable administrative, physical, and technical safeguards to protect the data we collect.

  • However, no system is completely secure; there is always risk inherent in transmitting data over the internet or storing data electronically.

10. Children

  • Our website and services are not directed at children under 13 (or other age required by local law).

  • We do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will take steps to delete it.

11. Changes to this Privacy Policy

  • We may update this Privacy Policy from time to time to reflect changes in practices, technologies, or legal requirements.

  • When we make changes, we will revise the “Effective Date” at the top.

  • We will post the updated policy on our website, and if the changes are significant, we may provide additional notice (e.g. email).

12. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about text/SMS communications, you may contact us:

Decker Insurance Solutions, Inc.
1440 Maria Lane #100
Walnut Creek, CA 94549
1203 Flynn Road #170
Camarillo, CA 93012
Phone: (925) 310-5361 Decker Insurance Solutions, Inc.