Overview
Pembroke Insurance ("Pembroke," "we," "us," or "our") is a licensed California insurance broker. This Privacy Policy explains how we collect, use, and protect information you provide when using our website, requesting quotes, or communicating with us — including by SMS text message.
By using our website or services, you agree to the practices described in this policy.
Information We Collect
We collect information you provide directly to us, including:
- Full name
- Phone number (mobile and/or business)
- Email address
- Business name and type
- License number (e.g., CSLB contractor license)
- EIN (Employer Identification Number)
- Number of employees and annual revenue (for quoting purposes)
- Claims history (self-reported, for estimate purposes)
- Current insurance policy details, if uploaded or provided
We may also collect limited technical information such as IP address, browser type, and page visit data through standard analytics tools — solely to improve website performance.
How We Use Your Information
We use the information we collect to:
- Provide commercial insurance quotes and estimate ranges
- Contact you about your quote, policy, or renewal via phone, email, or SMS
- Send bond renewal reminders and coverage expiration notices via SMS text message
- Follow up with a licensed Pembroke advisor about your coverage needs
- Comply with applicable laws and regulatory requirements
- Improve our website, tools, and services
We do not use your information for automated decision-making that produces binding insurance decisions without human review.
SMS Messaging — Disclosure & Consent
By providing your mobile phone number to Pembroke Insurance — whether via our website, a quote form, or another channel — you consent to receive SMS text messages from Pembroke Insurance related to your insurance account, bond renewal reminders, and service updates.
Message frequency varies based on your coverage activity and renewal schedule.
Message & data rates may apply. Standard carrier rates apply to all messages sent and received.
To opt out: Reply STOP to any SMS message from Pembroke at any time. You will receive a single confirmation message and no further SMS messages will be sent.
For help: Reply HELP to any SMS message, or contact us at (760) 487-8268 or info@pembrokeinsure.com.
Mobile carriers are not liable for delayed or undelivered messages.
Opting out of SMS does not affect your ability to receive quotes, policy documents, or service communications by other means (phone call or email).
We Do Not Sell or Share Your Data
Pembroke Insurance does not sell, rent, or share your mobile phone number, SMS opt-in status, or any personal information to third parties for marketing purposes.
Your information may be shared with:
- Insurance carriers and underwriters, solely for the purpose of obtaining quotes and binding coverage on your behalf
- Surety bond platform partners (e.g., quoting tools) used to fulfill your bond renewal request
- Service providers who assist us in operating our website and communications tools — subject to confidentiality agreements that prohibit them from using your data for their own marketing
- Regulatory authorities or law enforcement, when required by law
No data shared with service providers or carrier partners for quoting purposes may be used by those parties for their own independent marketing without your separate consent.
Data Retention & Security
We retain your information for as long as necessary to provide services, maintain our records in compliance with applicable laws, and resolve any disputes. We use reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access.
No transmission over the internet or mobile network is 100% secure. While we take reasonable steps to protect your data, we cannot guarantee absolute security.
Your Right to Delete Your Data
You may request deletion of your personal information at any time. To submit a deletion request, email us at:
We will respond within 45 days. Note that we may be required to retain certain records under applicable insurance regulations and state law, even after a deletion request is honored.
California Privacy Rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information:
- Right to Know — You may request a list of the personal information we have collected about you and the categories of third parties with whom it has been shared.
- Right to Delete — You may request deletion of personal information we hold about you, subject to certain exceptions (see Section 6).
- Right to Opt Out of Sale — Pembroke Insurance does not sell personal information. If this practice ever changes, we will update this policy and provide an opt-out mechanism.
- Right to Non-Discrimination — We will not discriminate against you for exercising your CCPA rights. Exercising these rights will not affect your ability to receive insurance quotes or services.
To exercise any of the above rights, contact us using the information in Section 8. We may need to verify your identity before processing your request.
Contact Us
For questions about this Privacy Policy, to exercise your data rights, or to request SMS opt-out assistance, contact us:
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Material changes will be communicated to active clients by email or SMS. Continued use of our website or services after changes take effect constitutes acceptance of the updated policy.