Privacy Policy
KBK Insurance Agency and Jeff Kane Insurance Solutions
Effective Date: January 1, 2026 Last Updated: January 1, 2026
1. Introduction
KBK Insurance Agency and its specialty division Jeff Kane Insurance Solutions (collectively referred to as "KBK," "we," "us," or "our") are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information about you when you visit our website at kbkinsurance.com, contact us through any of our online forms, or engage with us in connection with our insurance services.
Please read this Privacy Policy carefully. By using our website or submitting information to us you acknowledge that you have read and understood this policy. If you do not agree with the terms of this Privacy Policy please do not use our website or submit personal information to us.
2. Information We Collect
We may collect the following categories of personal information:
Information You Provide Directly
When you complete a contact form, quote request form, or insurance intake form on our website you may provide us with:
Full name
Mailing address
Email address
Phone number
Date of birth
Property information including address, construction details, and ownership history
Vehicle information including year, make, model, and vehicle identification number
Driver information including license history and driving record details
Current insurance carrier and policy information
Business information including industry, number of employees, and operations details
Financial information relevant to insurance underwriting
Any other information you voluntarily provide in connection with a request for insurance coverage
Information Collected Automatically
When you visit our website we may automatically collect certain technical information including:
IP address and general geographic location
Browser type and version
Device type and operating system
Pages visited and time spent on each page
Referring website or search engine
Date and time of your visit
Links clicked within our website
This information is collected through cookies, web beacons, and similar tracking technologies as described in Section 7 of this policy.
Information From Third Parties
In connection with providing insurance services we may receive information about you from third parties including insurance carriers, consumer reporting agencies, the Department of Motor Vehicles, and other sources permitted by applicable law.
3. How We Use Your Information
We use the personal information we collect for the following purposes:
To respond to your inquiries and provide requested information about insurance products and services
To prepare insurance quotes and proposals on your behalf
To process applications and bind coverage with insurance carriers
To service your existing policies including processing changes, renewals, and cancellations
To communicate with you about your coverage, renewals, and important policy information
To comply with legal and regulatory obligations applicable to insurance agencies operating in California
To conduct a market analysis across our carrier network on your behalf
To send you information about products, services, or events that may be relevant to you — subject to your right to opt out as described in Section 8
To improve our website and better understand how visitors use our online resources
To protect the security and integrity of our business operations
To detect and prevent fraud or other unlawful activity
4. How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following circumstances:
Insurance Carriers and Underwriters To prepare quotes and bind coverage on your behalf we share relevant information with the insurance carriers and underwriters with whom we have agency relationships. This sharing is necessary to fulfill the insurance services you have requested.
Service Providers We work with trusted third party service providers who assist us in operating our website and conducting our business including website hosting through Squarespace, form processing through Microsoft Forms and Microsoft 365, and analytics services through Google Analytics. These providers are contractually obligated to protect your information and may only use it for the specific purposes for which it was shared.
Legal Requirements We may disclose your information when required to do so by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Business Transfers In the event of a merger, acquisition, or sale of all or a portion of our business assets your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
With Your Consent We may share your information with third parties when you have given us your explicit consent to do so.
5. California Privacy Rights — CCPA
As a California-based business serving California residents we comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively the "CCPA").
California residents have the following rights regarding their personal information:
Right To Know You have the right to request that we disclose what personal information we have collected about you, the categories of sources from which it was collected, the business purpose for collecting it, and the categories of third parties with whom we share it.
Right To Delete You have the right to request that we delete personal information we have collected from you, subject to certain exceptions permitted by law including our obligation to retain information for insurance regulatory compliance purposes.
Right To Correct You have the right to request that we correct inaccurate personal information we hold about you.
Right To Opt Out Of Sale We do not sell your personal information. If this practice ever changes we will update this policy and provide you with the opportunity to opt out.
Right To Non-Discrimination We will not discriminate against you for exercising any of your rights under the CCPA. We will not deny you services, charge you different prices, or provide you with a lesser quality of service because you exercised your privacy rights.
How To Exercise Your California Privacy Rights To exercise any of the rights described above please contact us using the information in Section 11. We will respond to verified requests within 45 days as required by law. We may need to verify your identity before processing your request.
6. Insurance-Specific Privacy Notice
As a licensed insurance agency we are subject to additional privacy requirements under the Gramm-Leach-Bliley Act (GLBA) and applicable California insurance regulations. In connection with providing insurance products and services:
We collect nonpublic personal information about you from the following sources:
Information you provide on applications and other forms
Information about your transactions with us, our affiliates, or others
Information we receive from consumer reporting agencies and other third parties
We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable regulations to guard your nonpublic personal information.
7. Cookies And Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect information about how visitors use our site.
What Are Cookies Cookies are small text files placed on your device when you visit a website. They allow the website to remember your preferences and understand how you interact with the site.
Types Of Cookies We Use
Strictly Necessary Cookies: These cookies are required for the website to function properly. They cannot be disabled.
Analytics Cookies: We use Google Analytics to understand how visitors interact with our website. This data is aggregated and anonymous. You can opt out of Google Analytics by visiting google.com/settings/ads.
Functional Cookies: These cookies remember your preferences and enhance your experience on our site.
Your Cookie Choices When you first visit our website you will be presented with a cookie consent banner. You may accept or decline non-essential cookies at that time. You can also manage cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of our website.
8. Email Communications And Opt Out
From time to time we may send you email communications about insurance topics, coverage updates, agency news, or services that may be relevant to you. Every marketing email we send will include an unsubscribe link. You may opt out of marketing communications at any time by:
Clicking the unsubscribe link in any marketing email
Emailing us at service@kbkinsurance.com with the subject line "Unsubscribe"
Calling us at (831) 724-1085
Please note that opting out of marketing communications will not affect our ability to send you transactional or service-related emails related to your insurance policies or coverage.
9. Data Security
We take the security of your personal information seriously and implement reasonable administrative, technical, and physical safeguards to protect it from unauthorized access, disclosure, alteration, or destruction. These measures include:
Secure Socket Layer (SSL) encryption on our website
Password protected access to internal systems containing client information
Restricted access to personal information on a need-to-know basis
Use of Jotform for secure storage of form submissions and client documents within our organizational environment
However no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal information we cannot guarantee absolute security. In the event of a data breach that affects your personal information we will notify you as required by applicable California law.
10. Third Party Websites And Links
Our website may contain links to third party websites including insurance carrier websites, industry resources, and social media platforms. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third party websites you visit.
11. Contact Us — Privacy Inquiries
If you have questions about this Privacy Policy, wish to exercise your California privacy rights, or have concerns about how your personal information is being handled please contact us:
KBK Insurance Agency 1006 Freedom Boulevard Watsonville, CA 95076
Phone: (831) 724-1085 Email: service@kbkinsurance.com Website: kbkinsurance.com
We will respond to all privacy-related inquiries within a reasonable time and to verified CCPA requests within 45 days as required by law.
12. Children's Privacy
Our website is not directed to children under the age of 16 and we do not knowingly collect personal information from children under 16. If you believe we have inadvertently collected information from a child under 16 please contact us immediately using the information in Section 11 and we will take steps to delete that information.
13. Changes To This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. When we make changes we will update the Effective Date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our website following any changes constitutes your acceptance of the updated policy.
14. Governing Law
This Privacy Policy is governed by the laws of the State of California without regard to its conflict of law provisions. Any disputes arising under this policy shall be resolved in the appropriate courts of Santa Cruz County, California.
This privacy policy was last reviewed and updated on January 1, 2026. KBK Insurance Agency — CA License 0426333. Jeff Kane Insurance Solutions — CA License 0H07370.