Privacy Policy

Effective date: November 13, 2026

This Privacy Policy explains how Carmar Insurance Agency ("Carmar," "we," "us") collects, uses, and shares information through carmargaragekeepers.com (the "Site"). Carmar Insurance Agency is an independent insurance agency located at 10022 Tristan Drive, Downey, CA 90240, California Lic. No. 0C94230.

Information we collect

Information you give us. When you request a coverage review or quote, we may collect:

• Your name, email address, and phone number
• Business details, such as business name, ZIP code, and type of garage or auto business
• Insurance details you choose to share, such as your renewal timing and coverage needs

Information collected automatically. Like most websites, our hosting provider records standard technical information when you visit, such as your IP address, browser type, device type, pages viewed, and the date and time of your visit. We may also use cookies, pixels, or similar tools from advertising and analytics partners (for example, Google and OpenAI) to understand how visitors find and use the Site and to measure the results of our advertising.

How we use your information

• To review your coverage and prepare the quotes you request
• To contact you by phone, text message, or email about your request
• To submit applications to insurance companies and wholesale brokers on your behalf, with your request
• To service your account, including certificates, endorsements, renewals, and claims assistance
• To operate, secure, and improve the Site and measure our advertising
• To comply with legal, licensing, and regulatory requirements

How we share your information

We do not sell your personal information, and we do not share it with third-party lead brokers. We share information only as needed to serve you:

• Insurance companies and wholesale brokers that we approach to quote, underwrite, or issue coverage you have requested
• Service providers that help us run our business and the Site, such as web hosting, form processing, email, and data storage providers, who may use the information only to perform services for us
• Advertising and analytics partners, limited to technical and usage information collected through cookies or pixels as described above
• Government agencies or others when required by law, regulation, subpoena, or to protect our rights or the safety of others

Phone calls and text messages

When you submit your contact information, you agree that Carmar Insurance Agency may contact you by phone, text message, or email about your insurance request. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, or ask us to stop calling by telling us during a call or contacting us below.

Cookies and "Do Not Track"

You can set your browser to refuse or delete cookies; the Site will still work, though some measurement features may not. Some browsers offer a "Do Not Track" setting. There is no common industry standard for responding to these signals, and the Site does not currently respond to them.

How we protect your information

We use reasonable administrative, technical, and physical safeguards to protect the information you provide, and the Site uses encrypted (HTTPS) connections. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

How long we keep information

We keep information as long as needed to provide the services you request, maintain your insurance records, and meet legal and regulatory record-keeping requirements.

Reviewing or correcting your information

You may ask to review, correct, or update the personal information you have given us, or ask us to stop contacting you, by calling or writing to us using the contact information below. We will respond as required by applicable law.

Children

The Site is intended for business owners and is not directed to children under 16. We do not knowingly collect personal information from children.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and change the effective date above.

Contact us