JMP Insurance Services LLC - Insurance For Tomorrow
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JMP Insurance Services LLC -
Insurance For Tomorrow
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Privacy Policy

  • Last Updated: November 4, 2025

1. Introduction

JMP Insurance Services LLC (“JMP Insurance,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any capacity.
Please read this Privacy Policy carefully. By using our website or services, you acknowledge that you have read and understood this Privacy Policy.
2. Information We Collect
  • We collect personal information that you voluntarily provide to us when you:
  • Request an insurance quote or proposal
  • Submit an insurance application
  • Purchase or manage an insurance policy
  • Register for an account on our website
  • Contact us for customer support or inquiries
  • Subscribe to our newsletter or marketing communications
  • Participate in surveys, promotions, or contests
  • Provide feedback or testimonials
  • The types of personal information we may collect include:
  • Contact Information:
  • Full name
  • Mailing address
  • Email address
  • Phone number (mobile and home)
  • Identification Information:
  • Date of birth
  • Social Security number
  • Driver's license number and state
  • Government-issued identification
  • Financial Information:
  • Bank account information
  • Credit card or payment information
  • Credit history and credit scores
  • Income and employment information
  • Insurance-Related Information:
  • Claims history
  • Health information (for health and life insurance)
  • Property information (for home and auto insurance)
  • Current insurance coverage details
  • Beneficiary information
  • Other Information:
  • Occupation and employer information
  • Marital status and household information
  • Preferences and interests related to insurance products
  • When you access our website, we automatically collect certain information about your device and browsing activity:
  • Device and Usage Information:
  • IP address
  • Browser type and version
  • Operating system
  • Device identifiers
  • Pages visited and content viewed
  • Time and date of visits
  • Referring website addresses
  • Clickstream data
  • Cookies and Tracking Technologies:
  • We use cookies, web beacons, pixels, and similar technologies to collect information about your use of our website
  • For more information about our use of cookies, please see Section 8
  • When you access our website, we automatically collect certain information about your device and browsing activity:
  • Device and Usage Information:
  • IP address
  • Browser type and version
  • Operating system
  • Device identifiers
  • Pages visited and content viewed
  • Time and date of visits
  • Referring website addresses
  • Clickstream data
  • Cookies and Tracking Technologies:
  • We use cookies, web beacons, pixels, and similar technologies to collect information about your use of our website
  • For more information about our use of cookies, please see Section 8
  • We may receive information about you from third parties, including:
  • Insurance carriers and underwriters
  • Credit reporting agencies
  • Motor vehicle departments and driving record services
  • Medical information bureaus (for life and health insurance)
  • Public records databases
  • Marketing and data analytics providers
  • Social media platforms (if you interact with us on social media)
  • Other insurance agencies or brokers (if you transfer your business to us)
3. How We Use Your Information
We use your personal information for the following purposes:
  • Obtaining and comparing insurance quotes from multiple carriers
  • Processing insurance applications and facilitating policy issuance
  • Underwriting and risk assessment
  • Policy administration and account management
  • Processing premium payments and managing billing
  • Assisting with insurance claims
  • Providing customer service and support
  • Sending policy documents, renewal notices, and important updates
  • Verifying your identity and preventing fraud
  • Complying with legal and regulatory requirements
  • Maintaining records as required by law
  • Conducting internal audits and quality assurance
  • Training our staff and improving our services
  • Managing business relationships and partnerships
  • Sending you information about insurance products and services
  • Providing newsletters and educational content
  • Notifying you about special offers, promotions, and discounts
  • Conducting customer satisfaction surveys
  • Personalizing your experience on our website
  • Analyzing website usage patterns and trends
  • Improving our website functionality and user experience
  • Developing new products and services
  • Conducting market research and competitive analysis
  • Protecting our legal rights and property
  • Enforcing our Terms of Service and other policies
  • Investigating and preventing fraudulent or illegal activities
  • Responding to legal process, government requests, and law enforcement
  • Protecting the safety and security of our users and the public
4. How We Share Your Information
We may share your personal information in the following circumstances:
  • We share your information with insurance companies to:
  • Obtain quotes and rate comparisons
  • Submit applications for coverage
  • Facilitate policy issuance and binding
  • Process claims and policy changes
  • Conduct underwriting and risk assessment
  • We work with third-party service providers who perform services on our behalf, including:
  • Payment processors and financial institutions
  • Data storage and hosting providers
  • Customer relationship management (CRM) platforms
  • Email and communication service providers
  • Marketing and advertising partners
  • Data analytics and business intelligence providers
  • IT support and security services
  • Claims administrators and adjusters
  • Legal, accounting, and consulting professionals
  • These service providers are contractually obligated to protect your information and use it only for the purposes we specify.
  • We may share your information with our parent company, subsidiaries, and affiliated entities for business purposes consistent with this Privacy Policy.
  • We may disclose your information when required or permitted by law, including to:
  • Comply with legal obligations, court orders, or subpoenas
  • Respond to requests from government agencies and regulators
  • Comply with state insurance department requirements
  • Report to insurance regulatory authorities
  • Cooperate with law enforcement investigations
  • If JMP Insurance is involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.
  • We may share information with:
  • Fraud detection and prevention services
  • Credit bureaus and identity verification services
  • Law enforcement agencies to prevent or investigate fraud, security breaches, or illegal activities
  • We may share your information for any other purpose with your explicit consent or at your direction.
  • We may share aggregated, anonymized, or de-identified information that cannot reasonably be used to identify you for research, marketing, analytics, or other purposes.
5. Your Privacy Rights and Choices
Depending on your state of residence, you may have certain rights regarding your personal information:
  • You have the right to request:
  • What personal information we have collected about you
  • The categories of sources from which we collected your information
  • The business purposes for collecting or sharing your information
  • The categories of third parties with whom we share your information
  • Access to the specific pieces of personal information we hold about you
  • You have the right to request that we correct inaccurate or incomplete personal information we maintain about you.
  • You have the right to request deletion of your personal information, subject to certain exceptions, such as:
  • Completing a transaction or providing services you requested
  • Complying with legal obligations
  • Maintaining records as required by insurance regulations
  • Exercising free speech or ensuring another's right to free speech
  • Engaging in research in the public interest
  • Detecting and protecting against security incidents, fraud, or illegal activity
  • You have the right to opt-out of:
  • Sale or Sharing of Personal Information: We do not sell your personal information in exchange for monetary consideration. However, some data sharing for targeted advertising may be considered a "sale" under certain state laws. You can opt-out of such sharing.
  • Targeted Advertising: You can opt-out of targeted or personalized advertising.
  • Automated Decision-Making: You can opt-out of profiling or automated decision-making that produces legal or similarly significant effects.
  • You have the right to limit our use and disclosure of sensitive personal information (such as Social Security numbers, financial information, health information) to only what is necessary to provide our services.
  • We will not discriminate against you for exercising any of your privacy rights, including by:
  • Denying you goods or services
  • Charging different prices or rates
  • Providing a different level or quality of service
  • Suggesting you will receive a different price or quality of service
  • You can opt-out of receiving marketing emails by:
  • Clicking the "unsubscribe" link in our emails
  • Contacting us directly using the information in Section 13
  • Adjusting your account preferences (if applicable)
  • Please note that even if you opt-out of marketing communications, we may still send you non-promotional messages related to your insurance policies or our business relationship.
  • To exercise any of these rights, please contact us using the information provided in Section 13. We may need to verify your identity before processing your request.
  • You may designate an authorized agent to submit requests on your behalf. We will require proof of authorization and may need to verify your identity directly.
6. State-Specific Privacy Information
  • California residents have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including those described in Section 5 above.
  • California "Shine the Light" Law: California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes once per year, free of charge.
  • Do Not Track: Our website does not currently respond to "Do Not Track" signals from browsers.
  • Residents of these states have privacy rights under their respective state privacy laws, including the rights described in Section 5 above.
  • Additional states are continuously adopting comprehensive privacy laws. If you are a resident of a state with such laws, you may have rights similar to those described in this Privacy Policy.
  • For more information about your specific rights, please contact us using the information in Section 13.
7. Data Security
  • We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:
  • Encryption of sensitive data in transit and at rest
  • Secure socket layer (SSL) technology for data transmission
  • Firewalls and intrusion detection systems
  • Access controls and authentication procedures
  • Regular security assessments and audits
  • Employee training on data protection and privacy
  • Secure disposal of information no longer needed
  • However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.
8. Cookies and Tracking Technologies
  • Cookies are small text files placed on your device when you visit a website. We use cookies and similar technologies (such as web beacons, pixels, and tags) to enhance your experience and collect information about your use of our website.
  • Essential Cookies: Necessary for the website to function properly and cannot be disabled.
  • Performance Cookies: Collect information about how you use our website to help us improve functionality.
  • Functional Cookies: Remember your preferences and choices to provide enhanced features.
  • Advertising Cookies: Used to deliver relevant advertisements and measure advertising effectiveness.
  • Analytics Cookies: Help us understand user behavior and improve our website.
  • We may allow third-party service providers to place cookies on your device for analytics, advertising, and other purposes.
  • You can control cookies through your browser settings. Most browsers allow you to:
  • View and delete cookies
  • Block cookies from specific websites
  • Block all cookies
  • Delete all cookies when you close your browser
  • Please note that disabling cookies may affect the functionality of our website and your user experience.
  • We may use web beacons, pixels, and similar technologies in our emails to track email opens and engagement.
9. Data Retention
  • We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
  • Insurance Records: We typically retain insurance-related information for the duration of your policy plus an additional period as required by state insurance regulations (usually 5-7 years after policy termination).
  • Regulatory Requirements: Certain records must be retained to comply with legal and regulatory requirements.
  • Legitimate Business Purposes: We may retain information for litigation, dispute resolution, fraud prevention, and other legitimate business purposes.
  • When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention and disposal policies.
10. Third-Party Websites and Services
  • Our website may contain links to third-party websites, services, and social media platforms. We are not responsible for the privacy practices or content of these third parties. We encourage you to review the privacy policies of any third-party websites you visit.
  • When you interact with us on social media platforms, the platform's privacy policy governs the collection and use of your information by that platform.
11. Children's Privacy
  • Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will take steps to delete such information.
12. International Data Transfers
  • Our services are primarily intended for residents of the United States. If you access our website from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.
13. Changes to This Privacy Policy
  • We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:
  • Posting the updated Privacy Policy on our website
  • Updating the "Last Updated" date at the top of this Privacy Policy
  • Sending you an email notification (if you have provided your email address)
  • Providing notice through our website or services
  • We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the revised Privacy Policy.
14. Contact Us
  • If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
  • JMP Insurance Services LLC
  • Privacy Officer
  • Email: privacy@jmpinsurance.com
  • Phone: [Insert Phone Number]
  • Mailing Address: [Insert Street Address] [Insert City, State ZIP Code]
  • Online Form: [Insert URL if applicable]
  • We will respond to your inquiry within a reasonable timeframe as required by applicable law.
15. Additional Information
  • For California residents, we collect the categories of personal information described in Section 2 for the purposes described in Section 3. For more information about our privacy practices and your California privacy rights, please see Section 6.1.
  • As an insurance agency, we are required to provide you with a separate notice of our privacy practices under the Gramm-Leach-Bliley Act (GLBA). You may receive this notice separately or in conjunction with this Privacy Policy.
  • If we handle protected health information (PHI) on behalf of a covered entity, we comply with the Health Insurance Portability and Accountability Act (HIPAA) and applicable state health privacy laws.
  • © 2025 JMP Insurance Services LLC. All rights reserved.
  • This Privacy Policy is provided as a general template and should be reviewed and customized by qualified legal counsel to ensure compliance with all applicable federal, state, and local laws and regulations. This document does not constitute legal advice.

jpanos@twfg.com

JMP Insurance Services LLC
851 N San Mateo Drive, Suite E
San Mateo, CA 94401

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650-757-1600

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