Kardel Insurance Services - Privacy Policy

Kardel Insurance Services is committed to protecting consumer privacy online and in our office and treats all information, client or prospect, responsibly. We want you to feel secure when visiting our office or website and are committed to maintaining your privacy when doing so. We will NEVER sell information about clients or prospects to others. The following provides an overview of how we protect your privacy during your visit.

Information Collected

We may request that you voluntarily supply us with personal information, including your e-mail address, postal address, home or work telephone number for purposes such as correspondence. If you choose to give us personal information via the Internet that we or our business partners may need -- to correspond with you for example -- it is our intent to let you know how we will use such information.

Like many other sites, our sites may utilize a standard technology called a "cookie" to collect information about how our site is used. Cookies were designed to help a web site recognize a user's browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie cannot retrieve any other data from your hard drive, pass on a computer virus, or capture your e-mail address. Our web sites may use cookies to enhance your visit. Cookies can securely store a user's password, personalize home pages, identify which parts of a site have been visited or keep track of selections. Our cookies may collect your domain name and track your selections through our web pages. We only use "cookies" to gather the information indicated in this policy and do not use cookies to gather personal identifying information about you without your consent.

Sources of Information

We collect nonpublic personal information about clients and prospects from:

  • Information you provide us on applications and forms
  • Information about your transactions with us from the insurance companies Kardel Insurance Services brokers to underwrite insurance
  • Information contained in medical records or from medical professionals that is related to insurance claims or underwriting.

Use of Personnel Information

Kardel Insurance Services treats your information with respect and concern for your privacy. We do not disclose any nonpublic personal information about our clients, former clients, or prospects to anyone, except in the business of underwriting insurance or claims administration.

Confidential Medical Information

While we sometimes must collect medical information to provide you a product or to pay a claim, we do not use or share it, internally or externally for any purpose except the following:

  • underwriting insurance
  • administering your policy, account or claim
  • as required or permitted by law
  • as otherwise authorized by you.

Security of Information

Kardel Insurance Services maintains physical, electronic and procedural safeguards to ensure your personal information is treated responsibly. When collecting information for online applications, claims, and other forms, we do this in a secured-server transaction that encrypts your information in transit to thwart someone from intercepting it and misusing it. When we collect other information from our users, it is stored in an area where the general public does not have access to it.

Authorization of personal information within our organization is limited to employees who need to know that information to provide products or services to you, or to conduct insurance business. All personal or confidential information is shredded.

Disclosure to Third Parties

We do not share personal identifying information with any third party without your permission.

Links from Kardelinsurance.com

Our site may contain links to other web sites. We have no control over the privacy practices or the content of any of our business partners or other sites to which we provide links from our site. To protect your privacy, check the applicable privacy policy of the web site when linking to other web sites.

Use of Materials

The right to download and store or output the materials in our sites is granted for the users' personal use only, and materials may not be reproduced in any edited form. Any other reproduction, transmission, performance, display or editing of these materials by any means mechanical or electronic without the express written permission of Kardel Insurance Services is strictly prohibited. Users wishing to obtain permission to reprint or reproduce any materials appearing on this site may contact us via e-mail.

Your Consent

By using our site, requesting a quote, or purchasing insurance from Kardel Insurance Services, you consent to the collection and use of this information. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and under what circumstances we may disclose it.

Further Information

Questions regarding our privacy policy or the use of the information collected should be directed via e-mail, or you can reach us by telephone at 805.922.5283. You can also write us at:
  Kardel Insurance Services
  301 East Cook Street, Suite H
  Santa Maria, CA 93454

We reserve the right to change this policy at any time and will post any changes to this policy as soon as they go into effecttop of page ^.