Privacy Policy
Effective Date: 01 April 2025
Community Association Programs, Inc. DBA CAP Underwriters is committed to protecting your privacy and the confidentiality of your personal information. This Privacy Policy describes how we collect, use, and protect your information when you visit our website www.capunderwriters.com or use our services.
1. Information We Collect
Personal Information You Provide
We collect personal information when you interact with our website or request services. This may include:
- Name
- Email address
- Phone number
- Mailing address
- Insurance policy details
- Payment or banking information
Automatically Collected Information
When you use our website, we may automatically collect:
- IP address
- Browser type and version
- Pages visited and time on site
- Device information
- Cookies and usage tracking (see Section 4)
2. How We Use Your Information
We may use your information to:
- Provide insurance brokerage and related services
- Respond to inquiries or service requests
- Assist with insurance applications, quotes, and claims
- Send relevant updates, notices, or marketing (with consent)
- Comply with legal and regulatory obligations
- Improve website functionality and customer experience
3. Sharing of Information
We do not sell your personal information. We only share data as necessary with:
Licensed insurance carriers and providers
Service vendors supporting business operations (e.g., IT, billing, CRM)
Legal or regulatory bodies, as required by law
Third parties during corporate mergers, sales, or reorganizations
These parties are contractually obligated to protect your information.
4. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Analyze traffic
- Maintain session security
- Personalize your experience
You can disable cookies through your browser, but some features may not work as intended.
5. Data Security
We employ physical, technical, and administrative safeguards to protect your data. However, no method of transmission over the internet is 100% secure.
6. Your Rights and Choices
Depending on your jurisdiction, you may have the right to:
- Access the personal information we hold about you
- Request correction or deletion of your data
- Opt out of marketing communications
- Request restriction or objection to certain data uses
7. GLBA Notice (U.S. Only)
As an insurance brokerage, we comply with the Gramm-Leach-Bliley Act (GLBA). Under GLBA, we are required to explain how we collect, share, and protect your nonpublic personal information (NPI).
We collect NPI such as your name, Social Security number, address, and financial data to provide insurance products and services. We do not disclose NPI to non-affiliated third parties, except as permitted or required by law, such as:
- Processing or servicing requested transactions
- Maintaining or servicing your account
- With your explicit consent
We maintain strict confidentiality and use commercially reasonable efforts to protect your NPI in accordance with GLBA standards.
8. CCPA Notice (California Residents Only)
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):
Your Rights:
- Right to Know: You can request details about the personal information we have collected about you.
- Right to Delete: You can request that we delete your personal information, subject to legal or contractual exceptions.
- Right to Opt-Out: You have the right to opt out of the sale of your personal information (note: we do not sell your information).
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
How to Exercise Your Rights:
To submit a request under CCPA, contact us via: