Last Updated: June 04, 2026

Germani Insurance Services (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit www.germaniinsurance.net, communicate with us, submit forms, request insurance quotes or services, opt in to SMS communications, or otherwise interact with us online or in connection with our services.

This Privacy Policy applies to our website and online interactions that link to this policy. It does not replace the privacy notices or practices of insurance carriers, wholesalers, premium finance companies, payment processors, electronic signature providers, or other third parties that may provide their own notices.

1. Personal Information We Collect

Depending on how you interact with us and the insurance services you request, we may collect the following categories of personal information:

We may not collect every category from every person. The information we collect depends on the products, services, forms, and communications involved.

2. Sources of Personal Information

We may collect personal information directly from you, from your business or household members, from insurance carriers, wholesalers, managing general agents, premium finance companies, claims administrators, payment processors, referral sources, lenders, employers, public records, third-party data providers, electronic signature platforms, customer relationship management systems, website analytics tools, and other service providers or business partners involved in providing insurance-related services.

3. How We Use Personal Information

We use personal information for the following purposes:

• To respond to inquiries and communicate with you;
• To provide quotes, proposals, applications, policy servicing, renewals, certificates, billing reminders, document requests, and other insurance-related services;
• To submit information to insurance carriers, wholesalers, managing general agents, premium finance companies, claims administrators, and other entities involved in quoting, underwriting, placing, servicing, renewing, or assisting with insurance;
• To verify identity, eligibility, authority, risk details, policy information, and payment information;
• To send service communications, including emails, calls, electronic signature requests, customer service messages, and SMS messages where you have consented;
• To process transactions, maintain records, administer accounts, and provide customer support;
• To improve the Site, understand usage, troubleshoot issues, secure our systems, prevent fraud, and protect rights and property;
• To comply with laws, regulations, licensing obligations, recordkeeping requirements, subpoenas, court orders, regulatory requests, and carrier requirements;
• For any other purpose disclosed at the time of collection or with your consent.

4. How We Disclose Personal Information

We may disclose personal information as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Insurance carriers, wholesalers, managing general agents, underwriters, premium finance companies, claims administrators, inspection companies, and other insurance-market participants;
• Service providers that help us operate our business, such as website hosting, CRM, email, SMS, phone, electronic signature, document management, payment processing, analytics, cybersecurity, IT support, and professional service providers;
• Regulators, law enforcement, courts, government agencies, auditors, licensing bodies, or other parties when required or permitted by law;
• Parties involved in an actual or potential business transaction, such as a merger, acquisition, sale, financing, reorganization, or transfer of assets;
• Other parties with your consent, at your direction, or as necessary to provide services you request.

5. No Sale of Personal Information; No SMS Marketing Sharing

We do not sell personal information for money. We do not share mobile opt-in data or SMS consent information with third parties or affiliates for their marketing or promotional purposes. We may share mobile information with service providers solely as necessary to deliver SMS communications on our behalf, maintain records, comply with law, and operate our messaging program.

If we ever engage in activities that constitute a “sale” or “sharing” of personal information under applicable California privacy law, we will update this Privacy Policy and provide any required notices and opt-out mechanisms.

6. SMS Communications

If you opt in to SMS communications from Germani Insurance Services, we may send text messages to the mobile number you provide. Messages may include billing reminders, renewal notices, document signature reminders, account-related alerts, service updates, and other insurance-related communications. Message frequency varies and may be up to 3 messages per week depending on the nature of the communication. Message and data rates may apply.

You may opt out at any time by replying STOP, CANCEL, UNSUBSCRIBE, or another reasonable opt-out request to any SMS message. For help, reply HELP, visit our site, or call us at 310-733-2390. Your consent to receive SMS messages is not required as a condition of purchasing goods or services where prohibited by law.

7. Cookies, Analytics, and Do Not Track

We may use cookies, pixels, analytics tools, log files, and similar technologies to operate the site, remember preferences, understand traffic and usage, improve functionality, measure performance, protect security, and support marketing or advertising activities where used.

You can usually set your browser to remove or reject cookies, but doing so may affect site functionality. At this time, the Site may not respond to browser “Do Not Track” signals. If we are legally required to honor a Global Privacy Control or other legally recognized opt-out preference signal for sale or sharing of personal information, we will do so in accordance with applicable law.

Third-party analytics or advertising providers may collect information about your online activities over time and across different websites and services, depending on the tools used on the Site. Their practices are governed by their own privacy policies.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction. No website, transmission, network, or storage system is completely secure, and we cannot guarantee absolute security.

You should use care when sending sensitive information online or by email. If you believe your information or communications with us may no longer be secure, please contact us promptly.

9. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain business and insurance records, comply with legal, regulatory, licensing, carrier, accounting, tax, audit, and recordkeeping obligations, resolve disputes, prevent fraud, enforce agreements, and protect our rights. Retention periods vary depending on the type of information and the purpose for which it is used.

10. Your Choices

You may contact us to request that we update or correct information in our records. You may unsubscribe from marketing emails by using the unsubscribe link where available or by contacting us. You may opt out of SMS messages by replying STOP, CANCEL, UNSUBSCRIBE, or another reasonable opt-out request. You may manage cookies through your browser settings or other available tools.

11. California Privacy Notice

This section applies to California residents and is intended to provide additional information required by California privacy laws where applicable. Some California privacy rights apply only if we are a “business” subject to the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”).

Categories collected. In the preceding 12 months, we may have collected the categories of personal information listed in Section 1 above, including identifiers, California customer records information, commercial information, internet or electronic network activity information, approximate geolocation information, professional or employment-related information where relevant to business insurance, inferences, and sensitive personal information where necessary for insurance-related services.

Purposes. We collect and use these categories for the purposes described in Section 3 above, including providing insurance-related services, communicating with you, servicing policies, processing transactions, maintaining records, preventing fraud, improving our Site, and complying with legal obligations.

Disclosures. We may disclose the categories of personal information described above to the categories of recipients described in Section 4 above, including insurance carriers and market participants, service providers, professional advisors, regulators, legal authorities, and parties involved in business transactions.

Sensitive personal information. We use sensitive personal information only as reasonably necessary to provide requested insurance-related services, verify information, process transactions, maintain security, comply with law, and for other purposes permitted by applicable law.

California rights. If the CCPA applies to us and to your information, you may have the right to request that we disclose the categories and specific pieces of personal information we have collected about you; request deletion of personal information subject to exceptions; request correction of inaccurate personal information; opt out of the sale or sharing of personal information; limit certain uses and disclosures of sensitive personal information; and not be discriminated against for exercising your rights.

How to submit requests. You may submit privacy requests by contacting us using the information in the Contact Us section below. We may need to verify your identity before responding. You may designate an authorized agent to submit a request on your behalf where permitted by law, and we may require proof of authorization and identity verification.

Sale and sharing. We do not sell personal information for money. We do not share mobile opt-in data or SMS consent information with third parties or affiliates for their marketing or promotional purposes. If our use of cookies, pixels, or advertising technologies constitutes a sale or sharing under applicable law, we will provide the required disclosures and opt-out mechanisms.

12. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the Site. If you believe a child has provided personal information to us, please contact us so we can take appropriate steps.

13. Third-Party Websites and Services

The Site may link to or integrate with third-party websites, platforms, portals, carriers, payment processors, electronic signature providers, analytics tools, or other services. We are not responsible for the privacy practices, security, or content of third parties. You should review their privacy policies before providing information to them.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last Updated” date and post the revised policy on the Site. Your continued use of the Site after the updated Privacy Policy is posted means you acknowledge the updated policy.

15. Contact Us