Privacy Policy

We collect information that you provide directly, information collected automatically when you use our website, and information from third parties in connection with insurance underwriting and placement.

Information you provide directly

• Contact information: name, email address, phone number, business address
• Business information: company name, industry, type of business, business operations
• Insurance information: coverage interests, current policies, claims history, loss runs (when applicable)
• Communications: messages you send through our website forms, email, or by phone

Information collected automatically

• Device and usage information: IP address, browser type, operating system, pages visited, time spent on pages, referring URLs
• Cookies and similar technologies: we use cookies and analytics tools to understand how visitors use our site

Information from third parties

• Insurance carriers and wholesalers: quotes, policy information, underwriting determinations
• Public records and business databases: to verify business information and assess risk
• Credit and loss history reports: as authorized for insurance underwriting

We use your information to:

• Respond to inquiries and provide insurance quotes
• Place, service, and renew insurance policies on your behalf
• Communicate with carriers, wholesalers, and other parties involved in insurance placement
• Comply with legal, regulatory, and licensing obligations
• Maintain records as required by the California Department of Insurance and other applicable regulators
• Improve our website and services
• Send relevant communications about your account, policies, or our services
• Detect and prevent fraud

We share your information only as necessary to provide insurance services and comply with the law. Specifically, we share information with:

• Insurance carriers, wholesalers, and managing general agents involved in quoting and placing your coverage
• Service providers who help us operate our business (e.g., form processing, email delivery, customer relationship management tools)
• Professional advisors, including attorneys and accountants, when necessary
• Regulators, including the California Department of Insurance, when required by law
• Other parties with your consent or at your direction

We do not sell your personal information. We do not share your information for cross-context behavioral advertising.

We retain your information as long as necessary to provide our services, comply with legal obligations (including insurance recordkeeping requirements, typically 5-7 years after the end of the policy relationship), resolve disputes, and enforce our agreements.

We implement reasonable administrative, technical, and physical safeguards to protect your information. These include encrypted email for sensitive communications, secured cloud storage with two-factor authentication, and access controls limiting who can view client data.

No method of transmission over the internet is 100% secure. We cannot guarantee absolute security but commit to protecting your information using industry-standard practices.

If you are a California resident, you have the following rights under the CCPA and CPRA:

• Right to know what personal information we collect, use, and share about you
• Right to delete personal information we have collected, subject to certain exceptions (including insurance recordkeeping obligations)
• Right to correct inaccurate personal information
• Right to opt out of the sale or sharing of personal information (we do not sell or share personal information for cross-context behavioral advertising)
• Right to limit the use of sensitive personal information
• Right to non-discrimination for exercising your rights

To exercise these rights, contact us at bek@stargane.com with "Privacy Request" in the subject line. We will respond within 45 days as required by California law. We may need to verify your identity before fulfilling your request.

You may also designate an authorized agent to make a request on your behalf.

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn we have collected information from a child under 13, we will delete it.

We use cookies and similar technologies to operate our website and understand how visitors use it. You can control cookies through your browser settings. Disabling cookies may affect website functionality.

If we add analytics tools (such as Google Analytics or Plausible), we will update this policy to reflect their use.

Our website may link to third-party sites we do not operate or control. This Privacy Policy does not apply to those sites. Please review the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time. We will post the updated version with a revised "Last Updated" date. Material changes will be communicated through our website or by email when appropriate.

If you have questions about this Privacy Policy or our privacy practices, contact us:

Stargane Inc.
590 6th Street
San Francisco, CA 94103
bek@stargane.com
(628) 221-0300

For privacy-specific inquiries, please use the subject line "Privacy Request" when contacting us by email.