We do not disclose any nonpublic personal information about our customers or former customers, except as necessary to provide insurance and financial products or services to them. In order to obtain the products and services you need, we collect information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us or our affiliates
• Information we receive from consumer reporting agencies
• Information we receive from the companies we represent that provide insurance policies to you
• Information from other sources such as employers or government agencies

Examples of such information may include your name, address, social security number, policy coverage and limits, premiums, income, claims and beneficiaries.

As independent agents, we disclose the information described above on your behalf to insurance companies and other non-affiliated third parties.

We restrict access to personal information about you to those employees who need to know that information to provide insurance products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you require more privacy protection than what we provide, you may exercise your right to "opt out" of the information sharing described above. If you choose to "opt out" you must notify us in writing or call us at 925-477-2136 within thirty days of receiving this notice. If you do not notify us in writing or by phone we will assume that our privacy policy is satisfactory to you.

SMS / Text Messaging Communications

By providing your mobile phone number, you consent to receive text messages from CBI Insurance Agency, Inc. regarding quotes, policies, renewals, service requests, billing, appointments, reminders, customer support, and other business-related communications. Message frequency may vary. Message and data rates may apply.

Consent to receive text messages is not required to purchase insurance products or services.

You may opt out at any time by replying STOP to any text message from us. After replying STOP, you may receive one confirmation message and then no further SMS messages unless you provide new consent. For help, reply HELP or contact us at 925-477-2136.

CBI Insurance Agency, Inc. does not sell or share mobile phone numbers or SMS consent information with third parties for their own marketing purposes.

Wireless carriers are not liable for delayed or undelivered messages.

Coverage cannot be bound, changed, canceled, or confirmed solely by text message. All coverage changes require review and written confirmation by a licensed representative.

CBI Insurance Agency, Inc. makes reasonable efforts to comply with applicable federal, state, and local laws governing privacy, insurance, consumer protection, and electronic communications, including SMS and mobile messaging regulations.