Privacy Policy

Information We Collect

We collect information you voluntarily provide when you request a quote, purchase a policy, contact us, or otherwise interact with our services. This may include:

• Name, address, phone number, and email address
• Date of birth, driver's license, and other identifiers needed to quote or bind coverage
• Vehicle, property, and business information relevant to your policy
• Insurance history, claims history, and coverage preferences
• Payment information processed by our carriers or payment processors

We may also automatically collect limited technical information when you visit our website, such as IP address, browser type, pages viewed, and referring URLs, through cookies and similar technologies.

How We Use Your Information

• Prepare quotes and place coverage with insurance carriers
• Service your policy, process changes, and assist with claims
• Communicate about renewals, updates, and account matters
• Comply with legal, regulatory, and licensing obligations
• Improve our website, marketing, and customer experience
• Send text messages about quotes, policies, and account matters when you have opted in

Text Messaging and Communications

When you provide your mobile phone number and opt in to receive text messages, you consent to receive SMS communications from Vetra Insurance Services at the phone number you provided. These messages may include information about your quote, policy details, renewal reminders, and other account-related matters.

• Message frequency: Message frequency varies and depends on your account activity and the services you use.
• Rates: Message and data rates may apply based on your carrier plan.
• Opt out: You can opt out of text messages at any time by replying STOP to any message you receive. After opting out, you will receive a confirmation text, and we will no longer send SMS messages to that number unless you opt in again.
• Help: For help, reply HELP to any message or contact us at (619) 630-9091.
• Consent is not a condition: Giving consent to receive text messages is not required to purchase insurance or receive a quote.
• Third-party sharing: We do not sell or share your mobile number with unrelated third parties for their marketing purposes. We may share it with carriers or service providers as necessary to service your policy or deliver messages.

How We Share Your Information

As an independent agency, we share your information with insurance carriers and underwriters as needed to obtain quotes and bind coverage. We may also share information with:

• Service providers who support our business (such as IT, hosting, and CRM vendors) under confidentiality obligations
• Regulators, law enforcement, or other parties when required by law
• Successors in the event of a merger, acquisition, or sale of assets

We do not sell your personal information.

Cookies and Analytics

Our website uses cookies and similar technologies to remember your preferences and measure site performance. You can control cookies through your browser settings. Disabling cookies may affect how parts of the site function.

Data Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information. No method of transmission or storage is 100% secure, but we work to keep your information safe and limit access to those who need it.

Your Choices and California Privacy Rights

You may request to access, correct, or delete the personal information we hold about you, subject to legal and contractual limits (for example, records we must retain for insurance and regulatory purposes). California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and the right to opt out of any sale of personal information. As noted above, we do not sell personal information.

To exercise these rights, contact us using the details below. We may need to verify your identity before responding.

Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be highlighted on our website.