Privacy Policy

Capital & Co Insurance Services ("Capital & Co," "we," "us," or "our"), a California-licensed insurance agency (License #6002332), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at capcoinsurance.com or submit a quote request or contact form.

This Policy is intended to comply with the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable federal and California state privacy laws.

We may collect the following categories of personal information:

• Identifiers: First and last name, email address, phone number, mailing address, city, and state.
• Business Information: Company name, trade or profession, annual gross receipts, number of employees, project types, and contractor license status.
• Insurance-Related Information: Prior loss history, requested coverage types, and effective date preferences.
• Usage Data: IP address, browser type, pages visited, time spent on pages, and referring URLs collected automatically via cookies and analytics tools (including Google Analytics and Google Ads).

We use the information we collect to:

• Prepare, provide, and follow up on commercial insurance quotes and proposals.
• Communicate with you regarding your inquiry or existing account.
• Send marketing communications (you may opt out at any time).
• Improve our website, services, and user experience.
• Measure the performance of our advertising campaigns (Google Ads conversion tracking).
• Comply with legal obligations and regulatory requirements.

We use cookies and similar tracking technologies, including Google Analytics and Google Ads (gtag.js), to understand how visitors interact with our website and to measure advertising effectiveness. Google Ads conversion tracking allows us to identify when a user completes a quote request after clicking one of our ads.

You may opt out of Google's use of advertising cookies by visiting Google Ads Settings or by using the Google Analytics Opt-Out Browser Add-on.

We do not sell your personal information. We may share your information with:

• Insurance Carriers and Wholesale Brokers: To obtain quotes or place coverage on your behalf.
• Service Providers: Third-party vendors who assist us with email delivery, website hosting, and analytics, subject to confidentiality obligations.
• Legal and Regulatory Authorities: When required by law, court order, or to protect our legal rights.

If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, or sell.
• Delete personal information we hold about you (subject to certain exceptions).
• Correct inaccurate personal information.
• Opt Out of the sale or sharing of personal information. We do not sell personal information.
• Non-Discrimination: We will not discriminate against you for exercising any of these rights.

To submit a request, contact us at cs@capcoinsurance.com or call 310-492-2007. We will respond within 45 days as required by law.

We implement commercially reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. All data transmitted through our website is encrypted via SSL/TLS.

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Quote inquiry data is typically retained for a period of 5 years in accordance with California insurance recordkeeping requirements.

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

We may update this Privacy Policy periodically. When we do, we will revise the "Last Updated" date at the top of this page. Continued use of our website after any changes constitutes your acceptance of the updated policy.

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