Privacy Policy

1. Introduction

O.R.A.M. Insurance Agency ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our insurance services. We are a licensed insurance agency operating under CA License #0F00511.

2. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Insurance Information: Current coverage details, policy types of interest, vehicle information, property details, and claims history.
• Financial Information: Payment details necessary to process insurance premiums.
• Demographic Information: Age, date of birth, marital status, and other information relevant to insurance underwriting.
• Usage Data: IP address, browser type, pages visited, and other analytics data collected automatically.

3. How We Use Your Information

• To provide insurance quotes and compare rates across our network of 100+ carriers.
• To process and manage your insurance policies and claims.
• To communicate with you about your policies, renewals, and coverage options.
• To improve our website, services, and customer experience.
• To comply with legal and regulatory requirements applicable to insurance agencies in California.
• To detect, prevent, and address fraud or other illegal activities.

4. Information Sharing

We may share your personal information with:

• Insurance Carriers: To obtain quotes and bind coverage on your behalf.
• Freeway Insurance: As an official franchise partner, certain data may be shared to facilitate services.
• Service Providers: Third parties that assist with website hosting, analytics, and customer communication.
• Legal Authorities: When required by law, court order, or regulatory mandate.

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

5. Data Security

We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your California Privacy Rights

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have the right to request access to, deletion of, and correction of their personal information. You may also opt out of the sale or sharing of personal information. To exercise these rights, contact us at contact@oramgroupllc.com or call (925) 508-8752.

7. Cookies and Tracking

Our website may use cookies and similar tracking technologies to enhance your experience, analyze site traffic, and understand usage patterns. You can control cookie preferences through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or your personal information, please contact us: