Privacy Policy

Effective Date: January 30, 2026

Johal Insurance Brokers Inc. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a quote request, or communicate with us.

1. Information We Collect

Personal Identifiers

• Name
• Email address
• Phone number

Commercial Information

• Property details (type, location, value)
• Current and prior insurance policy information
• Coverage preferences and timeline

Technical Information

• IP address
• Browser type and version
• Cookies and similar tracking technologies
• Device and operating system information
• Pages visited and time spent on our site

2. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and obtain premium estimates from carriers
• Communicate with you about your insurance needs, policy renewals, and audits
• Send SMS/text messages related to your quote request or policy
• Process and service your insurance applications and policies
• Respond to your inquiries and provide customer support
• Improve our website and services
• Comply with legal and regulatory obligations

3. SMS/Mobile Privacy

When you provide your mobile phone number and opt in to receive text messages from Johal Insurance Brokers Inc., your mobile information (including your phone number and opt-in data) will NOT be shared with third parties for promotional or marketing purposes.

We may use your mobile number to send you recurring automated marketing text messages related to insurance quotes, policy updates, and service communications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.

4. California Consumer Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purpose for collecting your information, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt out of the sale or sharing of your personal information. We do not sell your personal information.
• Right to Correct: You have the right to request correction of inaccurate personal information that we maintain about you.

To exercise any of these rights, please contact us using the information below. We will respond to verified requests within 45 days as required by law.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Restricted access to personal information on a need-to-know basis
• Regular review of our data collection, storage, and processing practices

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" above.

7. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

• Email: service@johalinsurancebrokers.com
• Phone: (805) 380-5564