Privacy Policy

Oak Agency, LLC (“Oak Agency,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit oakagencyinsurance.com, request an insurance quote, contact us, communicate with us, or use our insurance services.

Oak Agency is an independent insurance agency based in Salem, Oregon, serving personal and business insurance clients throughout Oregon.

1. Information We Collect

We may collect personal information directly from you, automatically through the website, from insurance carriers and market partners, from consumer reporting or insurance support organizations where permitted by law, and from other sources involved in insurance transactions.

The types of information we may collect include:

Contact Information

• Name
• Contact address
• Property address
• Email address
• Phone number
• Business name
• Preferred communication method

Quote and Application Information

Depending on the type of insurance requested, we may collect information such as:

• Date of birth
• Driver information
• Vehicle information
• Property details
• Prior insurance information
• Claims history
• Business operations
• Payroll information
• Revenue information
• Number of employees
• Locations
• Ownership information
• Coverage limits requested
• Deductible preferences
• Mortgagee, lienholder, landlord, or certificate holder information

Insurance and Transaction Information

We may collect information related to:

• Quotes
• Applications
• Policies
• Endorsements
• Renewals
• Claims
• Billing
• Certificates of insurance
• Carrier communications
• Underwriting decisions
• Coverage recommendations
• Service requests

Website and Device Information

When you visit our website, we may collect certain technical information, such as:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Referring website
• Date and time of visit
• General location information
• Website usage data

Communications

We may collect and retain communications you send to us, including:

• Contact form submissions
• Quote request forms
• Emails
• Text messages
• Voicemails
• Phone call notes
• Uploaded documents
• Chat or messaging history, if enabled

2. How We Use Information

We may use personal information to:

• Respond to quote requests
• Evaluate insurance needs
• Prepare and submit insurance applications
• Obtain quotes from insurance carriers and market partners
• Service insurance policies
• Process policy changes
• Assist with renewals
• Provide certificates of insurance
• Communicate with you about insurance matters
• Help with billing or payment-related questions
• Support claims communications
• Verify information
• Comply with legal, regulatory, licensing, and carrier requirements
• Improve website performance and user experience
• Maintain business records
• Protect against fraud, unauthorized access, or misuse
• Market Oak Agency services where permitted by law

3. How We Disclose Information

We may disclose personal information as reasonably necessary to provide insurance services, operate our agency, comply with law, and support insurance transactions.

We may disclose information to:

Insurance Carriers and Insurance Market Partners

We may share information with insurance companies, wholesalers, managing general agencies, brokers, underwriting platforms, and insurance market partners to obtain quotes, submit applications, place coverage, service policies, process renewals, or assist with claims.

Service Providers

We may share information with vendors that support our business operations, such as website hosting providers, email systems, agency management systems, quote management tools, customer relationship management tools, document management systems, payment processors, email and communication service providers, analytics providers, and IT/security vendors.

Service providers may process information only as needed to provide communication services, operate our agency systems, support insurance transactions, or perform services for Oak Agency.

Insurance Support Organizations

Where permitted by law, information may be shared with or obtained from insurance support organizations, consumer reporting agencies, claims databases, motor vehicle record providers, inspection vendors, or other entities involved in underwriting, rating, fraud prevention, or insurance transactions.

Legal, Regulatory, and Compliance Parties

We may disclose information to regulators, law enforcement, courts, attorneys, auditors, or other parties when required or permitted by law, regulation, subpoena, legal process, licensing obligation, or insurance compliance requirement.

Business Transfers

If Oak Agency is involved in a merger, acquisition, sale, reorganization, or transfer of agency assets, information may be disclosed or transferred as part of that transaction, subject to applicable law.

4. We Do Not Sell Personal Information for Money

Oak Agency does not sell personal information for money.

We may disclose information to carriers, insurance market partners, service providers, regulators, and other parties as needed to provide insurance services, complete insurance transactions, comply with law, protect against fraud, and operate our business.

5. Insurance Privacy Notice

In connection with insurance transactions, Oak Agency may collect, use, and disclose personal information as allowed by applicable insurance privacy laws and regulations.

Personal information may be collected from you and from other sources, including insurance carriers, insurance support organizations, consumer reporting sources, public records, claims databases, motor vehicle records, property data providers, inspection vendors, and other sources relevant to underwriting or servicing insurance.

You may have rights to access and request correction, amendment, or deletion of certain recorded personal information as provided by applicable law.

Oak Agency may disclose personal information to affiliated or nonaffiliated third parties as authorized by law, including for underwriting, placing coverage, servicing policies, preventing fraud, processing claims, complying with legal requirements, or completing insurance transactions.

6. Former Customers

We may retain and disclose information about former customers as permitted by law and as described in this Privacy Policy.

Information about former customers may be used or disclosed for legitimate business purposes, legal compliance, recordkeeping, fraud prevention, carrier requirements, claims support, and insurance transaction history.

7. Cookies and Analytics

Our website may use cookies, pixels, analytics tools, or similar technologies to understand website usage, improve website performance, measure marketing effectiveness, and enhance user experience.

These tools may collect information such as IP address, device type, browser type, pages visited, time on site, referring pages, and general location information.

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

8. Email and Text Communications

If you provide your email address or phone number, we may contact you about quote requests, insurance applications, policy service, renewal reminders, document requests, claims support, and other insurance-related matters.

If you provide a mobile phone number and separately opt in to text messaging, Oak Agency may send conversational and informational text messages related to quote requests, follow-up, scheduling, document requests, and insurance service. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Consent to receive text messages is not a condition of purchase.

Mobile opt-in information and text-message consent will not be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging and email may not be secure methods for transmitting sensitive information. Do not send sensitive personal information by text or email unless specifically instructed through a secure process.

9. Data Security

Oak Agency uses reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse.

No website, email system, text messaging platform, or electronic storage system is completely secure. We cannot guarantee absolute security of information transmitted to or stored by us.

You are responsible for using secure networks, protecting your devices, and contacting us immediately if you believe your information has been sent to us in error or compromised.

10. Data Retention

We retain personal information for as long as reasonably necessary to provide insurance services, maintain business records, comply with legal and regulatory obligations, resolve disputes, support claims, prevent fraud, and meet carrier or agency management requirements.

Retention periods may vary depending on the type of information, the nature of the insurance transaction, legal requirements, and business needs.

11. Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13 through this website.

If we learn that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete the information.

12. Your Choices

You may contact Oak Agency to:

• Update your contact information
• Ask questions about information we maintain
• Request correction of inaccurate information
• Opt out of non-essential marketing communications
• Request information about privacy practices
• Ask how to submit sensitive information securely

Some information may need to be retained for legal, regulatory, carrier, claims, fraud prevention, or business recordkeeping purposes.

13. Third-Party Websites

Our website may link to third-party websites, including carrier websites, payment portals, claims portals, document platforms, review sites, or other resources.

We are not responsible for the privacy practices, content, security, or policies of third-party websites.

You should review the privacy policy of any third-party website you visit.

14. Oregon Privacy Notice

Oak Agency is based in Oregon and serves Oregon insurance clients.

Oregon’s consumer privacy and insurance privacy laws may provide certain rights or requirements depending on the type of information, the insurance transaction, the parties involved, and applicable exemptions.

Oak Agency will handle personal information in accordance with applicable Oregon insurance privacy requirements and other applicable privacy and data security laws.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.

Your continued use of the website or our services after updates are posted means you acknowledge the updated Privacy Policy.

16. Contact Oak Agency

Questions about this Privacy Policy or Oak Agency’s privacy practices may be directed to:

Oak Agency, LLC
Salem, Oregon
Phone: 503-872-1026
Email: krista@oakagencyinsurance.com
Website: oakagencyinsurance.com