Privacy Policy

1. Introduction

Nunke Insurance Agency ("Company," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information, including in compliance with the Telephone Consumer Protection Act (TCPA) when contacting you regarding insurance-related services.

2. Information We Collect

We may collect and process the following types of personal information:

• Contact Information -- Name, phone number, email address, mailing address.
• Communication Preferences -- Consent status for calls and text messages.
• Call and Text Interaction Data -- Records of communications made through phone calls, SMS messages, and automated dialing systems.
• Do-Not-Call Requests -- Internal records for individuals who opt out of communications.

3. How We Collect Information

We collect your personal information in the following ways:

• When you provide it to us directly through forms, applications, or inquiries.
• When you consent to receive communications via phone, text, or automated messages.
• Through website interactions and online requests.
• From third-party sources as permitted by law.

4. How We Use Your Information

We use your personal information for the following purposes:

• To communicate with you regarding insurance policies, quotes, and services.
• To send notifications about policy updates, renewals, and special offers.
• To comply with TCPA regulations and maintain Do-Not-Call (DNC) lists.
• To respond to your requests or inquiries.
• To improve our customer service and business operations.

5. Telephone Consumer Protection Act (TCPA) Compliance

In compliance with TCPA regulations, we:

• ✅ Obtain prior express written consent before making telemarketing calls or sending text messages.
• ✅ Honor the National Do-Not-Call Registry and maintain an internal DNC list.
• ✅ Provide a clear opt-out mechanism in all communications.
• ✅ Only use automated dialing systems where legally permitted.

6. Opt-Out and Do-Not-Call Policy

You have the right to opt out of receiving marketing communications at any time:

• To stop receiving text messages, reply STOP to any SMS message.
• To opt-out of phone calls, call 619-298-9000 or email bryan@nunkeinsurance.com.
• Your opt-out request will be processed within 10 business days.

7. Sharing and Disclosure of Information

We do not sell or rent your personal information. However, we may share it:

• With third-party service providers assisting in our business operations (e.g., call centers, compliance partners).
• To comply with legal obligations or respond to government requests.
• As necessary for fraud prevention, security, or legal compliance.

8. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, use, or disclosure. However, no data transmission over the internet or mobile networks can be guaranteed 100% secure.

9. Retention of Your Information

We retain personal information for as long as necessary to:

• Provide services and maintain business records.
• Comply with TCPA, state laws, and federal regulations.
• Honor opt-out and DNC requests.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on our website and take effect immediately upon posting.

11. Contact Information

If you have any questions about this Privacy Policy or our compliance with TCA, please contact us:

📞 Phone: 619-298-9000
📧 Email: bryan@nunkeinsurance.com
🌐 Website: https://www.bryannunkeinsurance.com

By using our services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

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12. Additional Information Collection

Automatically Collected Information: We may collect certain information automatically when you visit our website, including:

• IP address, browser type, and device information
• Pages visited and time spent on our website
• Referring website addresses

Additional Personal Information: We may also collect:

• Insurance policy information and coverage details
• Payment and billing information
• Communications with our agency

13. Additional Uses of Your Information

In addition to the uses described in Part I, we may use your information to:

• Provide insurance quotes, policy recommendations, and customer service
• Process insurance applications and policy transactions
• Improve our website and services
• Comply with legal and regulatory requirements

14. SMS Text Messaging Privacy

15. Additional Information Sharing

In addition to the sharing described in Part I, we may share your information with:

• Insurance Carriers: We share information with insurance companies to obtain quotes and process policy applications on your behalf.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Important: We do NOT sell, trade, or rent your personal information to outside parties for marketing purposes.

16. Your Rights and Choices

You have the right to:

• Access and Update: Request access to or correction of your personal information
• Opt-Out: Unsubscribe from marketing emails or text messages at any time
• Delete: Request deletion of your personal information, subject to legal requirements
• Do Not Sell: California residents have the right to opt-out of the sale of personal information (we do not sell personal information)

17. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can control cookie preferences through your browser settings. Note that disabling cookies may affect website functionality.

18. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

19. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

20. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. To exercise these rights, please contact us using the information below.

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Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Bryan Nunke Insurance Agency
8996 Miramar Rd, Ste 250
San Diego, CA 92126
Phone: (619) 298-9000
Email: bryan@nunkeinsurance.com
Website: www.bryannunkeinsurance.com

California License: Bryan Nunke, License #0F79866