Privacy Policy
HarborStead Insurance Agency
Effective Date: August 28, 2026
Last Updated: August 28, 2026
1. Introduction
HarborStead Insurance Agency (“HarborStead,” “we,” “us,” or “our”) respects your privacy and is committed to safeguarding the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, store, retain, and protect personal information when you:
visit our website or related online pages;
request information or a quote for life insurance or another insurance product;
communicate with a licensed insurance agent by phone, text message, email, or other means;
submit an insurance application;
become a policyholder through a carrier we represent; or
otherwise interact with HarborStead Insurance Agency.
By using our website or services, you acknowledge that you have reviewed this Privacy Policy. If you do not agree with these practices, please discontinue use of our website and services.
2. Scope
This Privacy Policy applies to personal information collected by HarborStead Insurance Agency through our website, online forms, advertisements, communications, insurance services, and related interactions.
It does not apply to:
third-party websites or services linked from our website;
the independent privacy practices of insurance carriers whose products we may offer or quote; or
information independently collected by your mobile carrier, device manufacturer, browser provider, or other third party.
Insurance carriers may provide separate privacy notices during the application and underwriting process.
3. Information We Collect
We may collect personal information directly from you, automatically when you interact with our website or advertisements, and from third parties involved in providing insurance services.
3.1 Information You Provide Directly
When you request a quote, apply for coverage, complete a form, or communicate with us, we may collect:
Identifiers:
Your name, mailing address, email address, telephone number, date of birth, and other information needed to identify you.
Demographic information:
Age, gender, marital status, household information, beneficiary information, and other information relevant to insurance eligibility or coverage needs.
Health information:
Information concerning your health history, tobacco use, medications, medical conditions, and related information you voluntarily provide for insurance eligibility or underwriting.
HarborStead Insurance Agency is generally not acting as a HIPAA-covered healthcare provider, but we treat health-related information as sensitive and use it only as appropriate for insurance-related purposes.
Financial information:
If required during an insurance application, a carrier or authorized service provider may request payment information, bank account information, or other financial information necessary to establish or maintain coverage.
Insurance information:
Requested coverage amounts, insurance needs, existing coverage, beneficiary preferences, and other information relevant to providing insurance options.
Communications:
The contents of telephone calls, text messages, emails, form submissions, or other communications exchanged with HarborStead Insurance Agency.
Consent records:
Information relating to your consent to receive communications, which may include the disclosure presented to you, date and time of consent, IP address, device or browser information, and the method through which consent was obtained.
3.2 Information Collected Automatically
When you visit our website or interact with our online advertising, we and our service providers may automatically collect information including:
Device and connection information:
IP address, browser type, operating system, device type, network information, and approximate location derived from your IP address.
Usage information:
Pages visited, time spent on pages, referring pages, links clicked, form activity, and conversion events.
Cookies and similar technologies:
See Section 8 for additional information.
Advertising and attribution information:
Campaign identifiers, referral parameters, advertising click identifiers, and other information used to understand which advertisements or marketing campaigns led you to our website.
3.3 Information From Third Parties
We may receive information from third parties including:
insurance carriers;
insurance underwriting providers;
insurance technology platforms;
customer relationship management providers;
lead-generation services where the consumer has consented to contact;
advertising platforms such as Meta and Google;
identity or fraud-prevention providers; and
other service providers involved in processing insurance inquiries or applications.
4. Recording and Monitoring of Communications
Telephone calls between you and HarborStead Insurance Agency may be recorded, monitored, or retained where permitted by law for purposes such as:
quality assurance;
documentation;
training;
licensing and compliance;
dispute resolution; and
legal or regulatory requirements.
Where applicable law requires additional consent before recording a call, appropriate notice or consent will be provided.
Text messages, emails, and other electronic communications may also be logged and retained as business records.
We may use third-party communication or technology providers to process or store communications on our behalf, subject to applicable contractual and privacy protections.
5. How We Use Your Information
We may use personal information for purposes including:
Quotes and applications:
To provide insurance information, evaluate potential coverage options, connect you with a licensed agent, prepare quotes, submit applications, and assist with underwriting.
Communications:
To contact you by phone, SMS/MMS, email, or other communication methods regarding your request, quote, application, policy, or customer-service needs.
Marketing and follow-up:
To send insurance-related information or follow-up communications where you have provided the required consent.
Verification and fraud prevention:
To verify information, detect suspicious activity, and help prevent fraudulent insurance applications or unauthorized activity.
Policy support:
To help with questions concerning applications, policy status, billing, beneficiary changes, or other insurance-related matters.
Internal operations:
To improve our website, forms, marketing processes, customer service, business operations, and compliance practices.
Advertising measurement:
To evaluate the effectiveness of advertisements and marketing campaigns.
Legal and regulatory compliance:
To comply with insurance regulations, consumer-protection laws, telemarketing and communications laws, court orders, subpoenas, regulatory requests, and other legal obligations.
HarborStead Insurance Agency does not make final insurance underwriting decisions. Insurance eligibility, approval, premium rates, and policy issuance are determined by the applicable insurance carrier.
6. How We Share Your Information
6.1 Service Providers and Vendors
We may share personal information with vendors that provide services on our behalf, including:
website and hosting providers;
customer relationship management providers;
phone and text-message providers;
email delivery services;
analytics providers;
advertising and attribution platforms;
cybersecurity providers;
form-processing services;
identity and fraud-prevention services;
cloud-storage and technology providers; and
legal, accounting, and professional advisors.
These providers may receive information only as reasonably necessary to perform services on our behalf.
6.2 Insurance Carriers and Underwriting Providers
When you request or apply for insurance coverage, we may share information necessary to process your quote or application with the applicable insurance carrier and parties involved in underwriting or policy administration.
6.3 Business Transfers
If HarborStead Insurance Agency is involved in a merger, acquisition, sale, financing, reorganization, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable legal protections.
6.4 Legal Disclosures
We may disclose personal information when we reasonably believe disclosure is necessary to:
comply with applicable law or regulation;
respond to a subpoena, court order, governmental request, or regulatory inquiry;
enforce agreements or policies;
investigate suspected fraud or security incidents; or
protect the rights, safety, or property of HarborStead Insurance Agency, our customers, or others.
6.5 With Your Consent
We may disclose information for another purpose when you have expressly authorized us to do so.
6.6 SMS and Mobile Information
Mobile telephone numbers, SMS/MMS opt-in information, and consent records are not sold, rented, or transferred to third parties or affiliates for their own marketing or promotional purposes.
Mobile information may be provided to contracted communications service providers solely as necessary to deliver messages you have requested or consented to receive.
7. Advertising and Marketing
7.1 Online Advertising
HarborStead Insurance Agency may advertise through platforms such as Facebook, Instagram, Google, and other online services.
When you interact with our website, advertising technologies may collect information concerning:
page views;
advertisement clicks;
form activity;
quote requests;
conversion events; and
campaign performance.
Where applicable, advertising platforms may receive hashed, pseudonymized, or other identifiers for advertising measurement, attribution, and campaign optimization.
7.2 Email and SMS Marketing
If you have provided the required consent, HarborStead Insurance Agency may send insurance-related marketing or follow-up communications by email or text message.
You may opt out at any time.
Email: Use the unsubscribe link contained in the message, where available, or contact us directly.
SMS/MMS: Reply STOP to any marketing text message.
Message and data rates may apply. Message frequency may vary.
Consent to receive marketing communications is not a condition of purchasing insurance.
7.3 Browser Privacy Signals
Where required by applicable law, we may recognize legally supported browser-based privacy preference signals.
Browser “Do Not Track” settings may not be recognized where no generally accepted technical standard applies.
8. Cookies and Tracking Technologies
HarborStead Insurance Agency and our service providers may use cookies, pixels, tags, local storage, and similar technologies to operate our website and understand how visitors interact with it.
These technologies may include:
Necessary technologies:
Used to support basic website functionality, security, and form submissions.
Analytics technologies:
Used to understand website usage and improve website performance.
Advertising and conversion technologies:
Used to measure advertising campaigns, form submissions, and conversions.
You may control cookies through your browser settings.
Disabling certain cookies may affect website functionality.
Where legally required, additional cookie controls or consent mechanisms may be provided.
9. Your Choices and Rights
9.1 Marketing Opt-Out
All consumers may request that HarborStead Insurance Agency stop sending marketing communications.
Phone calls:
Ask us to place your telephone number on our internal Do Not Call list.
SMS/MMS:
Reply STOP to a text message.
Email:
Use the unsubscribe link or contact us directly.
9.2 Revocation of Consent
You may revoke previously provided consent to receive marketing calls or text messages at any time through any reasonable method, including:
replying STOP to a text message;
telling an agent during a telephone call; or
contacting HarborStead Insurance Agency using the information in Section 16.
We may send a one-time confirmation message acknowledging an SMS opt-out request.
9.3 State Privacy Rights
Depending on your state of residence and applicable law, you may have rights that include:
requesting access to personal information collected about you;
requesting correction of inaccurate personal information;
requesting deletion of certain personal information;
requesting a portable copy of certain information;
opting out of certain types of data sharing or targeted advertising;
limiting certain uses of sensitive information; and
exercising privacy rights without unlawful discrimination.
These rights are subject to applicable legal exceptions.
Insurance, communications, fraud-prevention, and record-retention laws may require HarborStead Insurance Agency to retain certain information even after a deletion request.
9.4 California Privacy Disclosures
California residents may have additional rights under the California Consumer Privacy Act and California Privacy Rights Act, subject to applicable exemptions.
Categories of information that may be collected are described in Section 3.
Sources of information are also described in Section 3.
Purposes for using information are described in Section 5.
Categories of recipients are described in Section 6.
HarborStead Insurance Agency does not sell personal information for monetary consideration.
Sensitive personal information that may be processed in connection with insurance applications can include health information and other information required by an insurer or underwriting provider.
Such information is used only as reasonably necessary to provide requested insurance services and satisfy applicable legal or regulatory obligations.
9.5 Submitting a Privacy Request
To submit a privacy request, contact HarborStead Insurance Agency using the contact information in Section 16.
We may need to verify your identity before completing the request.
Requests will be handled within the time required by applicable law.
Where permitted, an authorized agent may submit a privacy request on your behalf, subject to appropriate verification.
10. How We Protect Your Information
HarborStead Insurance Agency uses reasonable administrative, technical, and organizational safeguards intended to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.
Measures may include:
encrypted data transmission where appropriate;
access restrictions;
secure account credentials;
reputable technology providers;
vendor security requirements; and
periodic review of information-security practices.
No electronic system or method of transmission can be guaranteed to be completely secure.
If a security incident occurs, we will provide notice as required by applicable law.
11. Data Retention
We retain personal information for as long as reasonably necessary to:
provide insurance-related services;
maintain appropriate records;
comply with insurance regulations;
maintain records of communications consent and opt-out requests;
resolve disputes;
prevent fraud;
enforce agreements; and
satisfy applicable legal obligations.
Retention periods may vary depending on the type of information, applicable carrier requirements, regulatory requirements, and the nature of the customer relationship.
Consent records may be retained for an extended period when necessary to demonstrate compliance with applicable communications laws.
Insurance application and policy-related information may be retained for the period required by the applicable carrier and insurance regulations.
Marketing information may be retained as necessary to maintain suppression and opt-out records.
When personal information is no longer reasonably required, we may securely delete or de-identify it.
12. Children's Privacy
Our services are intended for adults.
HarborStead Insurance Agency does not knowingly collect personal information directly from children under age 13 through our website.
We do not knowingly sell or share the personal information of children for targeted advertising.
If we learn that personal information has been collected from a child in violation of applicable law, we will take reasonable steps to delete it.
13. Third-Party Links and Services
Our website may include links to insurance carriers, scheduling services, application platforms, or other third-party websites.
Those third parties maintain their own privacy practices.
HarborStead Insurance Agency is not responsible for the privacy practices, security, or content of third-party websites.
We encourage you to review the privacy policy of any third party before providing personal information.
14. United States Users
HarborStead Insurance Agency is based in the United States and provides insurance services to consumers in jurisdictions where its insurance professionals are appropriately licensed.
Information provided through our services may be processed or stored in the United States.
15. Changes to This Privacy Policy
HarborStead Insurance Agency may update this Privacy Policy periodically.
The “Last Updated” date at the top of this policy reflects the most recent revision.
Material changes may be communicated through a notice on our website or through another method where required by law.
16. Contact Us
If you have questions concerning this Privacy Policy or would like to exercise an applicable privacy right, please contact:
HarborStead Insurance Agency
Attn: Privacy Contact
Email: hello@harborsteadinsurance.com
Phone: +1 (805) 721-4810
Website: https://www.harborsteadinsurance.com
For SMS-related questions or assistance, you may also reply HELP to a text message received from us.
17. Insurance Producer Disclosures
HarborStead Insurance Agency provides insurance products and services through appropriately licensed insurance professionals.
Insurance products are available only in jurisdictions where the applicable insurance professional is properly licensed.
License information may be provided upon request or included in insurance carrier application materials.
HarborStead Insurance Agency may receive commissions from insurance carriers for policies placed through the agency. Compensation may vary based on carrier and product.
Submitting information through our website does not guarantee insurance eligibility, policy approval, coverage, or any particular premium.
Insurance coverage is effective only after approval and issuance by the applicable insurance carrier in accordance with the terms and conditions of the policy.
This Privacy Policy is intended to address applicable federal and state privacy, insurance, consumer-protection, and communications requirements, including the Telephone Consumer Protection Act where applicable, California privacy requirements, and other state privacy laws.