Privacy Policy
Last Updated: July 4, 2026
Annapurna Insurance Solutions ("Annapurna," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit annapurnacoverage.com, request a quote, book an appointment, apply to join our agency, use our agent tools, communicate with us, or otherwise use our services (collectively, the "Services").
This Policy applies to information collected online and offline in connection with our Services. It does not apply to third-party websites, insurance carriers, administrators, quote platforms, payment processors, or other services that have their own privacy policies.
1. Information We Collect
We collect information you provide directly, information generated through your use of the Services, and information we receive from service providers, carriers, administrators, licensed agents, or other business partners.
- Identifiers and contact information: name, email address, phone number, mailing address, state of residence, preferred contact method, appointment details, account credentials, and similar identifiers.
- Insurance inquiry and application information: date of birth or age, gender where required for underwriting, coverage interests, policy preferences, beneficiary or family information, financial goals, health or lifestyle information you choose to provide, existing insurance information, and other data needed to prepare quotes or support applications.
- Sensitive information: information such as health history, medical conditions, prescription information, government identification, financial information, Social Security number, tax forms, bank details, or license documents, but only when needed for quote, application, contracting, commission, compliance, or servicing purposes.
- Agent and contractor information: license or National Producer Number, licensed states, E&O insurance details, carrier appointment status, contracting documents, W-9 or tax information, government ID, background or compliance materials, production records, commission records, referral data, and onboarding information.
- Commercial and account information: quotes requested, appointments booked, products discussed, applications submitted, policies or cases serviced, documents uploaded, dashboard activity, support requests, and transaction history.
- Communications: emails, texts, chat messages, call notes, form submissions, recordings where disclosed or permitted, support tickets, consultation notes, and feedback.
- Device and usage information: IP address, browser type, device type, operating system, pages viewed, links clicked, referral URL, approximate location, timestamps, cookies, analytics events, and security logs.
- Inferences: preferences, interests, lead status, service needs, marketing engagement, or business workflow status derived from the information above.
2. How We Collect Information
- directly from you when you submit a form, request a quote, schedule a call, create an account, upload documents, or communicate with us;
- from licensed agents, team members, referral partners, carriers, administrators, and platforms involved in your quote, application, policy, contracting, or commission workflow;
- automatically through cookies, analytics tools, logs, security tools, and similar technologies;
- from public or commercially available sources where permitted by law, such as license verification databases or business contact sources.
3. How We Use Information
We use information for the following business and operational purposes:
- to respond to inquiries, schedule appointments, provide consultations, and deliver customer or agent support;
- to prepare quotes, evaluate product options, assist with applications, support underwriting, service policies, and communicate with carriers or administrators;
- to review agent applications, verify licenses, manage contracting, administer commissions, provide dashboard access, and support agent operations;
- to operate, maintain, personalize, secure, troubleshoot, test, and improve our website, forms, AI-assisted tools, dashboards, and related services;
- to send service messages, appointment reminders, account notices, application updates, compliance notices, training messages, and marketing communications where permitted by law;
- to prevent fraud, protect data, detect unauthorized activity, enforce agreements, investigate complaints, and maintain business records;
- to comply with insurance, tax, accounting, legal, regulatory, carrier, audit, licensing, and law-enforcement obligations;
- to evaluate business performance, lead conversion, service quality, and product or platform improvements.
4. How We Disclose Information
We do not sell personal information for money. We disclose information only as needed to provide the Services, operate our business, comply with law, or as otherwise described in this Policy.
- Insurance carriers, administrators, and platforms: to obtain quotes, submit applications, support underwriting, process policy servicing, administer commissions, and manage contracting or case activity.
- BackNine and related insurance infrastructure providers: for carrier access, contracting, appointments, application support, case management, commission processing, and related workflows.
- Licensed agents, agency personnel, and team members: to respond to requests, assist with insurance needs, support agent onboarding, manage accounts, and service client relationships.
- Service providers: including hosting, database, authentication, analytics, email, phone, text messaging, calendar, document storage, payment, AI, security, customer support, and professional service providers.
- Compliance, legal, and regulatory recipients: when required or appropriate for subpoenas, audits, carrier reviews, regulator inquiries, legal claims, fraud prevention, safety, security, or enforcement of agreements.
- Business transfer recipients: in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, subject to appropriate confidentiality protections.
- With your direction or consent: when you ask us to share information or authorize a transaction that requires disclosure.
5. Cookies, Analytics, and Advertising
We may use cookies, pixels, tags, log files, analytics tools, and similar technologies to keep the website functioning, remember preferences, secure sessions, measure traffic, understand visitor behavior, improve content, and evaluate marketing performance. Some technologies may be provided by third parties.
You can control cookies through your browser settings. If you disable cookies, some features may not work correctly. If applicable law treats certain analytics or advertising disclosures as a "sale" or "sharing" of personal information, you may contact us using the information below to opt out.
6. Gramm-Leach-Bliley Act and Insurance Privacy
Because insurance services may involve nonpublic personal information, we handle consumer financial and insurance-related information in accordance with applicable privacy and safeguards obligations, including Gramm-Leach-Bliley Act principles where applicable. We use such information to provide requested insurance services, maintain records, process transactions, service accounts, prevent fraud, comply with law, and work with carriers, administrators, agents, and service providers that support those purposes.
We do not disclose nonpublic personal information to unaffiliated third parties for their independent marketing purposes except as permitted by law or with your consent. You may contact us to ask about your choices regarding certain information-sharing practices.
7. Data Security
We use administrative, technical, and physical safeguards designed to protect personal information, including access controls, secure hosting, encryption in transit where appropriate, authentication controls, monitoring, and limited access for authorized personnel and vendors. No website, system, database, or transmission method is completely secure, and we cannot guarantee absolute security.
8. Data Retention
We retain information for as long as reasonably necessary for the purposes described in this Policy, including to provide services, maintain business records, comply with insurance and carrier requirements, satisfy tax and accounting obligations, resolve disputes, enforce agreements, support audits, and meet legal or regulatory obligations. Retention periods vary by record type, relationship, transaction, and applicable requirement.
9. Your Choices
- Marketing emails: You may unsubscribe using the link in a marketing email or by contacting us.
- Calls and texts: You may ask us not to contact you for marketing by phone or text. Transactional or service-related messages may still be sent where permitted.
- Cookies: You may manage cookies through your browser settings.
- Access, correction, and deletion: You may contact us to request access to, correction of, or deletion of certain information, subject to verification and legal exceptions.
10. State Privacy Rights
Depending on your state of residence and whether a particular privacy law applies to us, you may have rights to know or access personal information, correct inaccurate information, delete personal information, receive a portable copy, opt out of certain targeted advertising or sale/sharing of personal information, limit certain uses of sensitive personal information, and not be discriminated against for exercising privacy rights.
California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including rights to know, delete, correct, opt out of sale or sharing, limit certain uses and disclosures of sensitive personal information, and non-discrimination. Some insurance, financial, medical, employment, publicly available, or legally regulated information may be exempt from some privacy-law requests.
To submit a privacy request, contact us at info@annapurnacoverage.com or 707-656-2733. We may need to verify your identity and authority before completing a request. You may also use an authorized agent where permitted by law, but we may require proof of authorization and direct verification from you.
11. Notice of Categories Collected and Disclosed
In the last 12 months, we may have collected and disclosed the following categories of personal information for the business purposes described in this Policy: identifiers; personal records; protected classification information where required for insurance purposes; commercial information; internet or network activity; approximate geolocation; audio, electronic, or similar communications; professional or employment-related information; sensitive personal information; and inferences. We disclose these categories to the recipients listed in Section 4. We do not knowingly sell or share personal information of children under 16.
12. Artificial Intelligence and Automated Tools
We may use AI-assisted tools to help respond to inquiries, summarize communications, support lead routing, draft content, provide agent workflow assistance, or improve service operations. AI tools do not replace licensed insurance advice, carrier underwriting, legal advice, tax advice, or compliance review. We use reasonable controls designed to limit access to information and require human review where appropriate.
13. Children's Privacy
Our Services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13. Insurance applications may include beneficiary or dependent information provided by a parent, guardian, applicant, or authorized person for legitimate insurance purposes.
14. Third-Party Websites and Services
Our Services may link to or integrate with third-party websites and services, including carrier portals, quote engines, BackNine resources, appointment tools, payment tools, social media platforms, and document systems. Those third parties are responsible for their own privacy practices. Review their policies before submitting information to them.
15. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new "Last Updated" date. Your continued use of the Services after an update means you acknowledge the revised Policy.
16. Contact Us
Questions, opt-out requests, or privacy requests may be directed to:
Annapurna Insurance Solutions
Email: info@annapurnacoverage.com
Phone: 707-656-2733