PRIVACY NOTICE

Last updated June 20, 2025

This privacy notice for Laurel Insurance Agency & Associates, Inc. ("we," "us," or "our"), describes how and why we might collect, store, use, and/or disclose ("process") your information when you use our services ("Services"), such as, but not l when you:

• Visit our website at https://www.laurelassoc.com, or any website of ours that links to this privacy notice;

• Communicate with us via telephone at 956-724-9083; and/or

• Engage with us in other related ways, including any sales, marketing, or events.

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at Info@LaurelAssoc.com.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we collect and process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about what information we collect.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with (and sometimes market to) you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.

In what situations and to which types of parties do we disclose personal information? We may disclose information in specific situations and with specific categories of third parties. Learn more about when and to whom we disclose your personal information.

What are your rights? Depending on where you are located geographically, the applicable privacy laws may grant residents certain rights regarding your personal information, such as rights of “deletion,” “opt out of sale” or “access to data.” Learn more about your privacy rights.

How do you exercise your rights? The easiest way to exercise your rights is by submitting a Data Request. We will consider and act upon any request in accordance with applicable data protection laws.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?

2. HOW DO WE PROCESS YOUR INFORMATION?

3. WHEN AND WITH WHOM DO WE DISCLOSE YOUR INFORMATION?

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

5. HOW LONG DO WE KEEP YOUR INFORMATION AND HOW DO WE KEEP YOUR INFORMATION SAFE?

6. DO WE COLLECT INFORMATION FROM MINORS?

7. WHAT ARE YOUR PRIVACY RIGHTS?

8. CALIFORNIA SHINE THE LIGHT LAW

9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

10. ADDITIONAL PRIVACY RIGHTS IN CERTAIN STATES

11. DO WE MAKE UPDATES TO THIS NOTICE?

12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

1. WHAT INFORMATION DO WE COLLECT?

Information Collected to Provide Services to You

We often and generally collect information from or about you in the course of providing our insurance services – for instance, in order to provide quotes or coverage, or to service your insurance policy. This information is called “Nonpublic Personal Information” or “NPI”, if it identifies you and is not publicly available. We collect NPI from your applications, transactions and from consumer reports, as further described below. We collect other information that is not NPI, such as information from visitors to our website who are not our customers, or from our business partners for our corporate purposes. We describe these datasets and elements below:

1. Personal Identifiers – The NPI may include:

• Names;

• Phone numbers;

• E-mail addresses;

• Mailing addresses;

• Job titles;

• Bank account numbers; and/or

• Driver’s license information and numbers, and similar government-issued identifiers, and Social Security numbers and other government identifiers.

1. Transactional Information. In the course of transacting with you, we collect information about you that may contain the above NPI and other information you provide to us. This includes information you provide on your application(s) to us, through your agent or broker, or in your interactions with us (in person, by phone or online).

2. Application Information: We also collect information that you provide in your applications, through your agent or broker, online or by phone. We sometimes may obtain similar information, or NPI, from directories or other outside sources, including public sources and third parties. This may include your name, street and email address, phone number, or government identifiers.

3. Consumer Reports: We obtain NPI (including the personal information described above) from consumer reporting agencies, for purposes of personal insurance products. These reports often include your claims history with other insurers, and related records. They may also include credit information obtained from consumer reporting agencies.

4. Communications with us: We collect information about you when you contact us, such as when you subscribe to our newsletter or contact us with questions or comments

5. Website and Device Information. We automatically collect certain information when you visit, use, or navigate the Services, e.g., visiting our websites or opening our emails. This information may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information (along with account information or other information we have about you) may be stored in or associated with “cookies” and similar technologies.

Information Collected Through Cookies and Similar Technologies.

Like many businesses, we (or service providers and third parties we work with) also collect information through cookies and similar technologies. This information often includes:

• Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports and hardware settings).

• Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

2. FOR WHAT PURPOSES DO WE USE AND PROCESS YOUR INFORMATION?

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To deliver and facilitate delivery of services to you. We may process your information to provide you with the requested service.

• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see the Section titled WHAT ARE YOUR PRIVACY RIGHTS? below.

• For billing, payments and collections.

• To operate and customize our websites.

• To communicate with you and to respond to your questions and requests.

• To understand how you use our website, or work with our partners and services providers.

• To offer you personalized advertisements, which you may be able to opt out of as specified herein.

• To operate, analyze and improve our websites and the Services, and to develop new products and services.

• To manage our business operations, perform our obligations and exercise our rights under any agreement that you or your organization has with us.

• To detect, investigate, prevent, or take action regarding possible malicious, deceptive, fraudulent, or illegal activity, including fraudulent transactions, attempts to manipulate or violate our policies, procedures, and terms and conditions, security incidents, and harm to the rights, property, or safety of us and our users, customers, employees, or others.

• For other purposes with your consent, or as otherwise permitted or required by applicable law.

We also may use personal information to comply with our legal or regulatory obligations, to establish or exercise our rights, and to defend against a legal claim.

3. WHEN AND WITH WHOM DO WE DISCLOSE YOUR INFORMATION?

We may need to disclose your personal information (including NPI) in the following situations:

• Business Transfers. We may disclose or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company, or in the course of due diligence related to such a transaction.

• Affiliates. We may disclose your information to our affiliates, in which case those affiliates will be bound by this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

• Business Partners. We may disclose your information to our business partners and affiliates to offer you certain products, services, or promotions (and to consider which you might be interested in).

• Government, Legal Process. We may disclose your information in response to valid legal process, including civil or government subpoenas or search warrants. We likewise may disclose your information (including with government or prosecutorial agencies) in order to protect the rights or safety of ourselves, any customer or any third party.

4. COOKIES AND OTHER TRACKING TECHNOLOGIES

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

a. How we use cookies and other tracking technologies

We use cookies, other tracking technologies, and unique advertising identifiers to collect information about your activity, browser, and device, and more specifically as described below:

Cookies – We use cookies to improve interactions with our website and enable us to better serve and communicate with (and sometimes advertise to) website visitors, and also to improve and analyze our website operations. When you visit our website, our servers may place a cookie on your computer’s web browser. We then may use or “read” these cookies in either a session-based or persistent manner. Session cookies exist during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer.

We may deploy cookies when you visit our website or open an email from us. We then use cookies to facilitate features and operations such as:

• Remembering your preferences and allowing you to enter your information less frequently;

• Presenting information or marketing that is targeted to your interests, which may include our content presented on another website;

• Analyzing how users engage with our content or use our website;

• Measuring the effectiveness and performance of our sites, services, content, and advertising;

• Operating our website, including displaying information, securing the website and preventing or detecting inappropriate web traffic, displaying or customizing content on our website; and/or

• We also may work with third party advertising and data platforms that help us to use cookies to optimize our advertising – such as to locate potential customers online, to retarget to existing or prospective customers (such as consumers that have visited our website or shown interest in our products), to measure the effectiveness of online advertising campaigns, and to analyze who has viewed or clicked on our ads. You may opt out of these platforms as described in Section 8.

The “Settings” (or another) section of most internet browsers will inform you how to manage cookies, including how to disable or delete them. Disabling cookies may impact some website features or prevent the website from operating properly.

Web Beacons – We may also use web beacons alone or in conjunction with cookies to compile information about your usage of our Services and interaction with emails from us. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you view a particular site tied to the web beacon. We may use web beacons for any of the purposes described above, or for other operational, marketing, or analytics purposes. We may collect your IP address for these same purposes, and, for instance, to monitor the regions from which you navigate our website.

5. HOW LONG DO WE KEEP YOUR INFORMATION AND HOW DO WE KEEP YOUR INFORMATION SAFE?

We will keep your personal information for as long as it is necessary or useful for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements), and unless you request that we delete your information (in which case we may retain such information to the extent required or permitted by applicable law).

We have implemented technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

6. DO WE COLLECT INFORMATION FROM MINORS?

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 and if you provide information about a minor, that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware that we may have collected from minors under the age of 18, please contact us at Info@LaurelAssoc.com.

7. WHAT ARE YOUR PRIVACY RIGHTS AND MARKETING CHOICES?

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?“ below.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. In addition, you may exercise certain choices regarding the use and management of cookies by clicking on the “Preferences” link that appears in a cookie banner on our web page.

If you have questions or comments about your privacy rights, you may email us at Info@LaurelAssoc.com.

8. CALIFORNIA SHINE THE LIGHT LAW

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits California residents to request and obtain from applicable companies, once a year and free of charge, information about categories of personally identifiable information (if any) those companies disclose to third parties for direct marketing purposes (and the names and addresses of all third parties with whom such personal information was shared in the preceding calendar year). We do not disclose personally identifiable information for these purposes.

9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

CCPA Privacy Notice

We provide this notice (the "CCPA Privacy Notice") to supplement the information contained in the Privacy Policy. This CCPA Privacy Notice sets forth our privacy practices as required by the California Consumer Privacy Act of 2018 and related regulations ("CCPA"). The CCPA Privacy Notice applies only to individuals residing in the State of California who are considered "Consumers" under the CCPA and from whom we collect "personal information" as described in the CCPA. Please also refer to sections in our Privacy Notice titled “Information Collected To Provide Services To You,” “What Purposes Do We Use And Process Your Information,” “When And To Whom Do We Disclose Your Personal Information,” and “Cookies And Other Tracking Technologies” for additional information. Please see our CCPA Privacy Notice on our website.

Information We Collect

We may collect personal information from you in a variety of different situations, including, but not limited to on our website, your mobile device, through email, in physical locations, through the mail, and/or over the telephone. We also sometimes receive personal information from third parties, such as data compilers.

Personal information does not include deidentified or aggregated consumer information.

How do we use and share your personal information?

Please refer to What Purposes Do We Use And Process Your Information, When And To Whom Do We Disclose Your Personal Information for more information.

Additionally, we may disclose your personal information to third parties for purposes of analytics and advertising. We provide information to analytics providers to better understand how you use the Services so we can improve the Services and create new products and services. We may also provide personal information to third-party advertising providers for targeted advertising purposes, so we can provide you with more relevant and tailored ads regarding our services. Under the CCPA, disclosing personal information to these third parties may be considered a “sale” of personal information or the “sharing” of personal information for purposes of “cross-context behavioral advertising.”

Your rights with respect to your personal data

• Right to be informed whether or not we are processing your personal information.

• Right to access your personal information.

• Right to update your personal information or correct inaccuracies in your personal information.

• Right to request deletion of your personal information.

• Right to obtain a copy of the personal information you previously shared with us.

• Right to opt out of the processing of your personal information if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ("profiling").

In addition, you may exercise certain choices regarding the use and management of cookies by clicking on the “Preferences” link that appears in a cookie banner on our web page.

If we ever offer any financial incentives in exchange for your personal information, we will provide you with appropriate information about such incentives.

The CCPA also allows you to limit the use or disclosure of your “sensitive personal information” (as defined in the CCPA) if your sensitive personal information is used for certain purposes. Please note that we do not use or disclose sensitive personal information other than for business (e.g., legal compliance) purposes for which you cannot opt out under the CCPA.

To exercise these rights, you can contact us by email at Info@LaurelAssoc.com, by calling toll-free at 956-724-9083, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.

Verification process

We may request that you provide additional information reasonably necessary to verify you and your consumer's request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request.

For security purposes, we will verify your identity – in part by requesting certain information from you — when you request to exercise your privacy rights. For instance, if you request categories or specific pieces of personal information we have received about you, you may need to confirm your possession of an identifier (such as an email address) or to provide a piece of identification that confirms you are the person you claim to be.

Upon receiving your request, we will respond without undue delay, and in all cases within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.

Right to appeal

If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at Info@LaurelAssoc.com. Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions.

Retention of Your Personal Information.

Please see the “How Long Do We Keep Your Information?” section above.

10. ADDITIONAL PRIVACY RIGHTS IN CERTAIN STATES

Certain states have passed state-specific privacy laws that grant residents of their states particular privacy rights. These states include California, as well as Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Texas, Utah, and Virginia. It also includes other states as their own states’ laws become effective over time (during 2025 and 2026) including Indiana, Kentucky, Maryland, Rhode Island, and Tennessee. A useful privacy “tracker” as to what these states are, and when each privacy law becomes effective, is provided by the “IAPP,” an industry association devoted to privacy issues, at https://iapp.org/resources/article/us-state-privacy-legislation-tracker/.

Your rights with respect to your personal information

• Right to be informed whether or not we are processing your personal information.

• Right to access your personal information.

• Right to update your personal information or correct inaccuracies in your personal information.

• Right to request deletion of your personal information.

• Right to obtain a copy of the personal information you previously shared with us.

• Right to opt out of the processing of your personal information if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ("profiling").

Exercise your rights

To exercise your rights, please go to the "Data Subject Access Request Form" page and follow the instructions on that web page or You may contact us by email at Info@LaurelAssoc.com, or by referring to the contact details at the bottom of this document. In addition, you may exercise certain choices regarding the use and management of cookies by clicking on the “Preferences” link that appears in a cookie banner on our web page.

We will respond within the time period prescribed by applicable law. Please note that many of the above rights are subject to exceptions and limitations.

If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

More information about our data collection and sharing practices can be found in this privacy notice.

Verification process

We may request that you provide additional information reasonably necessary to verify you and your consumer's request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request.

For security purposes, we will verify your identity – in part by requesting certain information from you — when you request to exercise your privacy rights. For instance, if you request categories or specific pieces of personal information we have received about you, you may need to confirm your possession of an identifier (such as an email address) or to provide a piece of identification that confirms you are the person you claim to be.

Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.

Right to appeal

If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. In some jurisdictions, you may have the right to appeal our decision. If you wish to appeal our decision, please email us at Info@LaurelAssoc.com. Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions.

You may have the right to submit a complaint to the relevant supervisory authority.

11. DO WE MAKE UPDATES TO THIS NOTICE?

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at Info@LaurelAssoc.com or contact us by post at:

Laurel Insurance Agency & Associates, Inc.
4519 San Bernardo Ave
Laredo, TX 78041
United States

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