Privacy Policy

1. Introduction

Asena Capital Insurance Services ("we," "us," or "our"), a California-licensed independent insurance agency (CA License #6008596), is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at www.asenainsurance.com, contact us by phone or email, or submit an insurance quote request.

This policy complies with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other applicable California and federal privacy laws. By using our website or services, you agree to the practices described in this policy.

2. Information We Collect

We collect personal information in the following categories:

A. Information You Provide Directly

• Contact information: name, phone number, email address
• Business information: business name, trade/contractor type, number of employees, annual payroll
• Insurance inquiry details: coverage type requested, current insurance status, loss history
• Communications: messages you send us via contact forms, email, or phone

B. Information Collected Automatically

• Usage data: pages visited, time spent on site, referring URL, browser type, device type
• IP address and approximate location (city/region level)
• Cookies and similar tracking technologies (see Section 6)

C. Information from Third Parties

We may receive information about you from insurance carriers, lead generation partners, or publicly available sources to help us provide accurate quotes and verify your business information.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your insurance quote requests and provide insurance brokerage services
• To contact you by phone, email, or text message regarding your inquiry
• To shop your coverage needs across our network of 100+ insurance carriers
• To process and manage your insurance policies and renewals
• To send you relevant insurance information, updates, and renewal reminders
• To improve our website, services, and customer experience
• To comply with California Department of Insurance regulations and other legal obligations
• To detect, prevent, and address fraud or security issues

We do not sell your personal information to third parties for their own marketing purposes.

4. How We Share Your Information

As an independent insurance broker, we share your information in the following circumstances:

Insurance Carriers and Underwriters

To obtain insurance quotes and bind coverage on your behalf, we share your information with insurance carriers, managing general agents (MGAs), and surplus lines brokers. This is a necessary part of the insurance brokerage process.

Service Providers

We use trusted third-party service providers for website hosting, email delivery, analytics, and customer relationship management. These providers are contractually obligated to protect your information and may only use it to perform services on our behalf.

Legal Requirements

We may disclose your information when required by law, court order, or government authority, or to protect the rights, property, or safety of Asena Capital Insurance Services, our clients, or others.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you of any such change.

5. Your California Privacy Rights (CCPA/CPRA)

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

How to Submit a Request

To exercise any of your California privacy rights, you may contact us by:

• Email: [email protected]
• Phone: (858) 925-9555

We will respond to verifiable consumer requests within 45 days. If we require more time (up to 90 days total), we will inform you of the reason and extension period in writing. We may need to verify your identity before processing your request.

You may designate an authorized agent to make a request on your behalf. We will require written proof of the agent's authorization and may verify your identity directly.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. We use:

• Essential cookies: Required for the website to function properly (e.g., session management)
• Analytics cookies: Help us understand how visitors use our site (e.g., pages visited, time on site). We use privacy-respecting analytics that do not track individuals across sites.

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality. We do not use third-party advertising cookies or cross-site tracking for behavioral advertising.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. For insurance-related records, California law may require us to retain certain information for a minimum period. When information is no longer needed, we securely delete or anonymize it.

8. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to use caution when sharing sensitive information online.

In the event of a data breach that affects your personal information, we will notify you as required by California law (Civil Code § 1798.82) within the legally required timeframe.

9. Children's Privacy

Our website and services are not directed to children under the age of 16. We do not knowingly collect personal information from children under 16. If you believe we have inadvertently collected information from a child under 16, please contact us immediately and we will delete it.

10. Third-Party Links

Our website may contain links to third-party websites (such as insurance carrier websites or industry resources). We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

11. Gramm-Leach-Bliley Act (GLBA) Notice

As a licensed insurance agency, we are subject to the Gramm-Leach-Bliley Act (GLBA), which governs the privacy of nonpublic personal financial information. We collect and use your financial information only as necessary to provide insurance services and as permitted by applicable law. We do not share your nonpublic personal financial information with non-affiliated third parties for marketing purposes without your consent.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

13. Contact Us

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