Privacy Policy

1. Scope of This Policy

This policy applies to personal information collected through yohanasinsurance.com, our online forms, telephone calls, text messages, email communications, and related insurance services.

Yohana's Insurance Services Inc., a California corporation ("Yohana's Insurance," "we," "us," or "our"), is committed to handling personal information responsibly. By using our website or providing information to us, you acknowledge the practices described in this policy.

This policy does not replace any separate privacy notice that may apply to nonpublic personal information collected in connection with an insurance transaction or other activity governed by applicable financial-services or insurance privacy laws. Where another notice applies, that notice will control for the information it covers.

2. Information We Collect

We collect information you provide directly and limited technical information generated when you use our website.

Information you provide

• Name, telephone number, email address, and mailing address.
• Business name, USDOT number, vehicle counts, trailer counts, operating radius, cargo type, and related insurance information.
• Current insurance information, requested effective dates, policy-expiration information, and coverage preferences.
• Information included in messages, quote requests, contact forms, emails, telephone calls, or text messages.
• Other information you voluntarily provide so that we can respond to your request or service an insurance relationship.

Information collected automatically

When you visit the website, our hosting provider and related service providers may automatically receive limited technical information, including your IP address, browser type, operating system, referring page, pages viewed, date and time of access, device characteristics, and diagnostic or security information.

We may infer an approximate geographic area from an IP address. We do not use the website to request precise GPS location.

Information from other sources

When necessary to assist with an insurance inquiry, we may receive information from insurance carriers, underwriting platforms, government or public records, consumer-reporting sources where permitted by law, business partners, and other parties involved in quoting, placing, or servicing insurance.

3. How We Use Information

We use personal information to respond to inquiries, provide insurance-related services, operate the website, and meet legal and business obligations.

• Respond to questions and quote requests.
• Evaluate insurance needs and communicate with insurance carriers, wholesalers, managing general agents, and other markets.
• Provide, place, administer, renew, or service insurance coverage.
• Communicate about applications, quotes, policy documents, certificates, filings, billing, renewals, and service requests.
• Send administrative, transactional, or service-related messages.
• Send marketing communications where permitted and consistent with your choices.
• Maintain website security, prevent fraud, troubleshoot errors, and protect our rights and systems.
• Comply with legal, regulatory, licensing, recordkeeping, and reporting obligations.
• Analyze and improve our website and services using aggregated or de-identified information where appropriate.

4. How We Share Information

We do not sell personal information. We disclose information only as reasonably necessary to operate our agency, provide requested services, or comply with law.

• Insurance-related parties: insurance carriers, wholesalers, managing general agents, underwriting platforms, premium-finance companies, claims administrators, and other parties involved in quoting, placing, financing, or servicing coverage.
• Service providers: website hosting, form processing, email, communications, security, analytics, information technology, and professional-service vendors that process information on our behalf.
• Professional advisers: attorneys, accountants, auditors, consultants, and compliance advisers.
• Government and legal recipients: regulators, licensing authorities, courts, law enforcement, or other parties when disclosure is required or permitted by law.
• Business-transfer recipients: parties involved in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, subject to appropriate protections.
• Other recipients: when you direct us to disclose information or provide consent.

SMS opt-in consent and phone numbers collected for SMS purposes are not shared with third parties or affiliates for their own marketing purposes.

5. Cookies and Similar Technologies

Our website may use limited cookies or similar technologies needed for security, functionality, performance, and embedded services. You can usually control cookies through your browser settings. Blocking cookies may affect certain website features.

We do not currently sell personal information or use cross-context behavioral advertising on this website.

6. Third-Party Services and Google Maps

Our website may link to or display services operated by third parties, including Google Maps, Instagram, Facebook, and insurance or communication service providers. Those services may collect information directly from your browser or device and are governed by their own terms and privacy policies.

Google Maps is used to display office-location information. Interaction with Google Maps is subject to Google's applicable terms and privacy policy.

7. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy and to meet legal, regulatory, contractual, and operational requirements. Retention periods vary according to the type of information, whether an insurance relationship was established, applicable recordkeeping requirements, potential disputes, fraud-prevention needs, and legitimate business purposes.

When information is no longer needed, we take reasonable steps to delete, destroy, or de-identify it, subject to backup, archival, and legal-retention requirements.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. No website, transmission method, or storage system can be guaranteed to be completely secure.

You should avoid sending highly sensitive information through an unsecured channel unless specifically instructed to do so.

9. Your Privacy Rights and Choices

Depending on where you live and the law that applies, you may have rights to request access to, correction of, or deletion of certain personal information, or to obtain information about how it is used and disclosed. Some rights are subject to exceptions and verification.

To submit a privacy request, use our contact page, email info@yohanasinsurance.com, or call (909) 532-8470.

10. California Privacy Rights

California law may provide residents with rights concerning personal information. The scope of those rights depends on the applicable law, the type of information, and whether a statutory threshold or exemption applies.

Categories of information we may collect

California requests

Where applicable, California residents may request information about categories of personal information collected, sources, purposes, disclosures, and specific pieces of information; request correction or deletion; and receive equal service and pricing without unlawful discrimination for exercising privacy rights.

We do not sell personal information or share it for cross-context behavioral advertising. If our practices change, we will update this policy and provide legally required opt-out methods.

An authorized agent may submit a request on your behalf. We may require proof of authorization and may also verify your identity directly.

California “Shine the Light” requests

California Civil Code Section 1798.83 may permit California residents to request information about certain disclosures of personal information to third parties for their direct-marketing purposes.

11. Children's Privacy

The website and our services are intended for adults and businesses. We do not knowingly collect personal information online from children under 13. If you believe a child has provided personal information, please contact us so we can review and address it.

12. SMS Terms and Privacy

By affirmatively opting in to receive text messages, you agree to receive messages related to your inquiry or requested insurance service. Consent is not a condition of purchase.

• Program: Yohana's Insurance Services Inc. inquiry and customer-service messages.
• Opt-in method: submitting a form containing an SMS consent disclosure, initiating a text conversation, or otherwise providing affirmative consent.
• Message content: responses to inquiries, quote or application updates, document requests, appointment information, and other communications related to your request.
• Frequency: message frequency varies.
• Rates: message and data rates may apply.
• Opt out: reply STOP to stop future messages.
• Help: reply HELP, call (909) 532-8470, or use our contact page.
• Sharing: SMS opt-in consent and phone numbers collected for SMS purposes are not shared with third parties or affiliates for their own marketing purposes.

Wireless carriers are not liable for delayed or undelivered messages. We may change or discontinue the SMS program, subject to applicable law.

13. Updates to This Policy

We may update this policy periodically to reflect changes in our practices, technologies, services, or legal obligations. The revised version will be posted on this page with an updated effective date.

14. Contact Us

Questions, comments, or privacy requests may be directed to: