Privacy Policy

1. Introduction

Beach Financial Group and its affiliated brands, including Expat Insurance ("we," "our," or "us"), are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or inquire about our insurance products and services.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, date of birth, and nationality.
• Insurance-Related Information: Travel destinations, coverage needs, existing health information relevant to policy underwriting.
• Technical Information: IP address, browser type, pages visited, and referring URLs collected automatically when you use our website.
• Communication Records: Records of correspondence when you contact us for quotes or support.

3. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and policy recommendations
• Process and administer insurance applications
• Communicate with you regarding your inquiries and coverage
• Comply with legal and regulatory obligations under California law (CA License #0I56036)
• Improve our website and services
• Send relevant updates with your consent

4. Sharing of Information

We do not sell your personal information. We may share your information with:

• Insurance Carriers: To obtain quotes and bind coverage on your behalf.
• Service Providers: Third-party vendors who assist with website operations, under strict confidentiality agreements.
• Legal Authorities: When required by law, regulation, or valid legal process.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

6. Your California Privacy Rights

If you are a California resident, you have the right to request disclosure of personal information we collect, share, or sell. You may also request deletion of your personal information, subject to certain exceptions. To exercise these rights, contact us at info@beachfinancialgroup.com.

7. Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. You may disable cookies through your browser settings, though this may affect site functionality.

8. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised date.

10. Contact Us

If you have questions about this Privacy Policy, please contact us: