1.  INTRODUCTION:

At Capital Insurance Consultants and Risk Advisors, LLC (“Company,” “we,” “our,” or “us”), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information in compliance with Virginia state law and applicable insurance regulations.
By using our website or services, you consent to the practices described in this Privacy Policy.

2. INFORMATION WE COLLECT:

We may collect the following categories of information:
  -  Personal Identifiers: Name, address, phone number, email address, date of birth, driver’s license number.
  -  Financial Information: Payment information, credit card or bank details (if applicable).
  -  Insurance Information: Policy applications, claims history, coverage details, and risk information.
  -  Website & Technical Data: IP address, browser type, and activity data from your interactions with our website.

3. HOW WE USE YOUR INFORMATION:

We use your information only for legitimate business purposes, including to:
  -  Provide insurance quotes, policies, and related services.
  -  Communicate with you about your account, policy, or claims.
  -  Comply with legal and regulatory obligations.
  -  Process payments and service your account.
  -  Improve our website and customer experience.

4. HOW WE SHARE YOUR INFORMATION

We do not sell personal information. Your information may be shared only as follows:
  -  Insurance Carriers & Brokers: To obtain quotes, underwrite policies, and service coverage.
  -  Service Providers: Vendors assisting with payment processing, IT, and website support.
  -  Regulatory Authorities: When required by Virginia law, court order, or to comply with insurance regulations.

5. DATA SECURITY

We maintain reasonable administrative, technical, and physical safeguards to protect your personal information, consistent with Virginia Code § 38.2-613 and related insurance privacy requirements.

6. YOUR PRIVACY RIGHTS IN VIRGINIA

If you are a Virginia resident, you may have certain rights under the Virginia Consumer Data Protection Act (VCDPA). While the VCDPA may not apply to all small businesses, we respect the following rights where applicable:
  -  Access & Correction: You may request access to, or correction of, personal data we maintain about you.
  -  Deletion: You may request deletion of your personal data, subject to recordkeeping or legal obligations.
  -  Opt-Out of Targeted Ads: Our website does not sell personal data or use it for targeted advertising.

To exercise these rights, contact us at:
📧 info@capitalinsuranceconsultants.com | 📞 (804) 234-4533

We may need to verify your identity before fulfilling your request.

7. COOKIES & WEBSITE TRACKING

Our website may use cookies to improve user experience and analyze performance. You may disable cookies in your browser settings, but some features may not function properly.

8. CHILDREN'S PRIVACY

Our services are not directed toward children under age 13. We do not knowingly collect information from children.

9. UPDATES TO THIS POLICY

We may update this Privacy Policy to reflect changes in laws, regulations, or business practices. Updates will be posted here with a new “Last Updated” date.

10. CONTACT US

If you have questions about this Privacy Policy, please contact us at:
📧 info@capitalinsuranceconsultants.com | 📞 (804) 234-4533