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How we collect, use, disclose, retain, and protect personal information.
Last updated: July 7, 2026
O'Brien Insurance Services respects your privacy and is committed to protecting the personal information we collect, use, and maintain. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information through our website, online forms, email communications, phone communications, and other interactions with our agency.
This Privacy Policy applies to information collected through our website and related business communications. It is separate from any consumer financial privacy notice, insurance carrier privacy notice, HIPAA notice, or other privacy notice that may apply to specific insurance products, policies, or services.
This Privacy Policy describes categories of information and business practices that may apply depending on how you interact with us, the products or services you request, the states involved, and the tools we use to support our agency. Not every category, source, vendor, cookie, communication channel, or disclosure described here will apply to every visitor, applicant, insured, policyholder, or transaction. If our practices materially change, we will update this Privacy Policy and provide additional notice, choices, or consent where required by law.
We may collect personal information from you when you visit our website, request a quote, contact us, apply for insurance, service a policy, submit forms, communicate with us, or otherwise interact with our agency.
The information we collect may include:
We may collect personal information from:
We may use personal information to:
We may disclose personal information as necessary to provide insurance services and operate our business. This may include disclosure to:
We do not sell your personal information. We also do not share your personal information with third parties for cross-context behavioral advertising or for those third parties’ own marketing. When we disclose information to insurance carriers, wholesalers, service providers, vendors, professional advisers, regulators, authorized representatives, or other parties described in this Privacy Policy, we do so for insurance services, legal compliance, business operations, security, or other permitted purposes, not as a sale of personal information.
Some website analytics, advertising, or tracking technologies may be considered a “sale,” “sharing,” or “targeted advertising” under certain state privacy laws. We do not currently use website tracking technologies for cross-context behavioral advertising. Where required by law, we will provide the ability to opt out of any activity that qualifies as a sale, sharing, or targeted advertising.
As an insurance agency, we may collect and maintain nonpublic personal information in connection with insurance transactions. We do not disclose nonpublic personal financial information to nonaffiliated third parties except as permitted by law, as necessary to provide insurance products or services, as authorized by you, or as described in any separate consumer financial privacy notice we provide.
We may disclose nonpublic personal information to insurance companies, service providers, and other parties as needed to quote, place, service, renew, or administer insurance coverage.
Our website may use cookies, pixels, tags, analytics tools, server logs, software development kits, and similar technologies to operate the website, protect security, remember settings, understand website traffic, measure performance, improve user experience, troubleshoot errors, and support lawful marketing or advertising activities.
These technologies may collect information such as IP address, approximate location derived from IP address, device type, browser type, operating system, pages visited, time spent on pages, referring websites, links clicked, form interactions, general usage patterns, and other online identifiers. Cookies may be session cookies that expire when you close your browser or persistent cookies that remain for a period of time. They may be set by us or by third-party providers that help operate or measure the website.
We may use the following types of cookies and similar technologies:
We currently use Vercel Analytics and Vercel Speed Insights for aggregated, cookie-free usage and performance data. We also use Google Analytics 4 (GA4) to measure pageviews and a small number of user actions, such as phone-link clicks and form submissions. GA4 may set cookies in your browser. We do not currently use GA4 audiences for advertising, share GA4 data with advertising networks, or use website cookies to make insurance eligibility, underwriting, pricing, renewal, cancellation, or claim decisions. You can opt out of GA4 with the official Google Analytics opt-out browser add-on.
Your browser may let you block, delete, or receive alerts about cookies. If you block or delete cookies, some website features may not work as intended. Your device or browser may also offer privacy controls for advertising identifiers, tracking prevention, or cookie storage.
Where required by law, we will honor legally recognized opt-out preference signals, such as Global Privacy Control, if our website detects them. If we use non-essential cookies, analytics, or advertising technologies that require consent or opt-out rights under applicable law, we will provide appropriate choices through a cookie banner, privacy settings tool, “Do Not Sell or Share” link, or other legally required method.
If you provide your phone number or email address, we may use it to communicate with you about your inquiry, quote, policy, renewal, claim, billing, or other insurance-related matters.
We do not currently operate a recurring promotional text-message program. If we send one-to-one text messages in response to your request, or if we offer a text-message program in the future, we will do so only as permitted by law and subject to any required consent, disclosures, and opt-out instructions. If you receive a text message from us and would like it to stop, reply STOP or contact us directly.
We may also send marketing or informational emails where permitted by law, including newsletters, coverage reminders, educational updates, review invitations, local agency updates, and promotional campaigns. These emails may be sent directly by us or through third-party email marketing platforms, customer relationship management systems, automation tools, or other service providers acting on our behalf.
To support email campaigns, we may provide or make available to those vendors limited information such as your name, email address, contact preferences, subscription status, unsubscribe status, campaign audience or segment, and engagement information such as whether an email was opened, whether a link was clicked, and related delivery or analytics data. Marketing emails may use pixels, tagged links, cookies, or similar technologies to help deliver, measure, personalize, troubleshoot, and improve email campaigns.
We require marketing email vendors and other service providers to use this information only to provide services to us or as otherwise permitted by law. We do not sell email addresses or share email addresses with third parties for their own marketing. You may opt out of marketing emails by following the unsubscribe instructions in the message or by contacting us directly. Unsubscribing from marketing emails does not prevent us from sending non-marketing communications about quotes, applications, policies, billing, renewals, claims, appointments, legal notices, or other service matters.
We do not share mobile opt-in data or text messaging consent with third parties for their marketing or promotional purposes. If text messaging is used, we may share mobile numbers, message records, and related consent data with service providers, carriers, aggregators, and platform vendors only as needed to send or support requested messages and related business operations. Opting out of marketing communications does not prevent us from sending necessary service-related communications about quotes, policies, billing, renewals, claims, or legal notices.
We retain personal information for as long as reasonably necessary to provide insurance services, maintain business records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud, and support legitimate business purposes.
Retention periods may vary depending on the type of information, the insurance product or service involved, regulatory requirements, legal obligations, and business needs.
When personal information is no longer needed, we will take reasonable steps to delete, de-identify, or securely dispose of it, subject to applicable legal and recordkeeping requirements.
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, disclosure, alteration, or destruction.
These safeguards may include access controls, password protections, multi-factor authentication where appropriate, encryption where appropriate, secure storage, employee training, vendor oversight, monitoring, and incident response procedures.
No method of internet transmission, electronic storage, or business operation is completely secure. We cannot guarantee absolute security, but we take reasonable steps to protect the information we maintain.
We may use third-party service providers to help operate our website, manage communications, process payments, maintain technology systems, store information, provide analytics, support marketing, and perform other business functions.
We require service providers to use personal information only for authorized purposes and to maintain appropriate safeguards for the information they process on our behalf.
Depending on your state of residence and subject to applicable exemptions, you may have certain privacy rights regarding your personal information. These rights may include the right to:
Many insurance-related records are subject to specific federal and state insurance privacy laws, financial privacy laws, recordkeeping laws, fraud prevention rules, and other legal exemptions. This means that some privacy requests may be limited or denied where permitted or required by law.
To submit a privacy request, contact us using the information listed in the “Contact Us” section below. We may need to verify your identity before processing your request.
We will not discriminate against you for exercising privacy rights available under applicable law.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, subject to applicable exemptions.
California residents may have the right to know what personal information we collect, use, disclose, sell, or share; the right to request deletion; the right to request correction; the right to opt out of sale or sharing; the right to limit certain uses of sensitive personal information; and the right not to be discriminated against for exercising privacy rights.
We do not sell personal information for money. If our use of analytics, advertising, or tracking technologies is considered a “sale” or “sharing” under California law, California residents may opt out where required.
To exercise California privacy rights, contact us using the information below.
In some circumstances, we may collect or receive health-related information in connection with insurance products or services. When we handle health information, we do so only as permitted by applicable law and for legitimate insurance-related purposes.
If we act as a business associate of a covered health plan or otherwise handle protected health information subject to HIPAA, we will use, disclose, and safeguard that information in accordance with HIPAA, applicable business associate agreements, and other applicable legal requirements.
This Privacy Policy does not replace any HIPAA notice, insurance carrier privacy notice, or other legally required health information notice that may apply to a specific insurance product or relationship.
Where permitted by law, we or the insurance companies we work with may obtain information from consumer reporting agencies, motor vehicle records, claims history databases, inspection reports, public records, or similar sources to quote, underwrite, place, service, or renew insurance coverage.
If an adverse decision is made based on information from a consumer report or similar source, you may receive additional notices and rights as required by applicable law.
Our website and services are not directed to children under 13. We do not knowingly collect personal information online from children under 13 without legally sufficient authorization.
Our website may contain links to third-party websites, insurance carrier websites, payment portals, social media platforms, or other online services.
We are not responsible for the privacy practices, security, or content of third-party websites or services. You should review the privacy policies of any third-party websites you visit.
We may update this Privacy Policy from time to time. When we make changes, we will update the “Last updated” date at the top of this page.
Your continued use of our website or services after changes are posted means you acknowledge the updated Privacy Policy.
If you have questions about this Privacy Policy or would like to submit a privacy request, contact us at:
If any of the contact information above changes, please use the most current contact information listed on our website.