Privacy Policy - Gatto Agency, LLC

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Privacy Policy

Effective Date: September 30, 2026

Gatto Agency, LLC (“Gatto Agency, LLC,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or use gattoagencyllc.com (the “Website”), contact us, request an insurance quote, or otherwise interact with Gatto Agency, LLC. As an independent insurance agency, we may collect and handle personal and nonpublic personal information in connection with providing insurance products and services. Our collection and use of such information may also be subject to federal and state insurance privacy laws and regulations, including applicable requirements under the Gramm-Leach-Bliley Act (“GLBA”) and applicable state insurance privacy laws.

1. Information We Collect

Depending on how you interact with us, we may collect information including:

Information You Provide Directly

When you contact us, request a quote, submit an inquiry, or otherwise communicate with us, we may collect:

• Name
• Mailing or physical address
• Email address
• Telephone number
• Date of birth
• Driver's license information
• Vehicle information
• Property information
• Business information
• Insurance policy information
• Information needed to obtain or evaluate insurance coverage
• Information contained in communications with our agency
• Other information you voluntarily provide to us

Some insurance-related information may be considered sensitive or nonpublic personal information under applicable law.

Information Collected Automatically

When you visit our Website, certain information may be collected automatically by our hosting provider, analytics services, security tools, or other technology providers. This information may include:

• Internet Protocol (“IP”) address
• Browser type
• Device type
• Operating system
• Pages viewed
• Date and time of Website visits
• Referring website
• General Website usage information
• Information collected through cookies or similar technologies

We use this information primarily to operate, maintain, secure, and improve our Website.

2. How We Use Information

We may use personal information for legitimate business and insurance-related purposes, including:

• Respond to inquiries and requests;
• Provide insurance quotes;
• Evaluate insurance needs;
• Assist with applications for insurance coverage;
• Obtain quotes, coverage, or services from insurance carriers and other insurance providers;
• Service and administer insurance policies;
• Communicate with you about your insurance;
• Process transactions and payments where applicable;
• Verify information;
• Detect and prevent fraud, unauthorized activity, and security incidents;
• Maintain business and insurance records;
• Comply with applicable laws, regulations, and legal obligations;
• Protect the rights, property, and safety of Gatto Agency, LLC, our customers, and others; and
• Operate, maintain, and improve our Website and business.

We will use information in accordance with applicable law and the purposes for which the information was collected.

3. Sharing of Information

We do not sell your personal information for monetary consideration. We may disclose personal information as permitted or required by applicable law and as reasonably necessary to provide insurance products and services. Depending on the circumstances, information may be disclosed to categories of recipients including:

• Insurance companies and insurance carriers;
• Insurance wholesalers, managing general agents, and other insurance intermediaries;
• Reinsurance or other insurance-related service providers where applicable;
• Vendors and service providers that perform services for or on behalf of Gatto Agency, LLC;
• Technology, hosting, communications, document-management, and cybersecurity providers;
• Payment processors and financial institutions;
• Professional advisors, such as attorneys, accountants, and auditors;
• Government agencies, regulators, law enforcement, or other authorities when required or permitted by law; and Other parties when you authorize or  direct us to disclose the information.

Text Messaging Opt-In Information

Text messaging opt-in data, including your mobile telephone number, SMS consent, opt-in status, and information related to your consent to receive text messages from Gatto Agency, LLC, will not be sold, rented, or shared with third parties for their own marketing or promotional purposes.

We will use text messaging opt-in information only as reasonably necessary to provide the text messaging service, communicate with you regarding your insurance inquiry or related customer-care matters, comply with applicable legal requirements, and administer your messaging preferences.

You may opt out of receiving text messages at any time by sending STOP in response to a text message from Gatto Agency, LLC. After you send STOP, you will no longer receive text messages from us, except as permitted or required by applicable law or as necessary to confirm or administer your opt-out request.

We may use service providers that assist Gatto Agency, LLC in operating and delivering our text messaging services. Such providers may process information on our behalf as necessary to provide those services and are not authorized to use your text messaging opt-in information for their own independent marketing or promotional purposes. 

We may also disclose information when necessary to comply with legal obligations, respond to lawful requests, protect our rights or property, investigate suspected fraud or other unlawful activity, or protect the safety of individuals.

4. Nonpublic Personal Information

Because Gatto Agency, LLC provides insurance-related services, we may receive nonpublic personal information about consumers and customers. Nonpublic personal information may include information such as your name, address, telephone number, Social Security number, driver's license information, financial information, insurance policy information, property information, claims information, or other information obtained in connection with an insurance transaction.

We maintain policies and procedures designed to protect the confidentiality and security of nonpublic personal information and restrict access to such information to individuals and service providers who have a legitimate business need for the information. Our collection, use, disclosure, and protection of nonpublic personal information may also be governed by applicable federal and state insurance privacy laws. Where a separate privacy notice is required by law, that notice will govern to the extent of any conflict with this Website Privacy Policy.

5. Cookies and Similar Technologies

Our Website may use cookies, pixels, analytics tools, or similar technologies to help operate the Website, understand Website usage, improve functionality, and maintain Website security.

Cookies are small data files that may be stored on your device when you visit a website.

You may be able to control or disable cookies through your web browser's settings. Disabling certain cookies may affect the functionality of portions of our Website. If we use third-party analytics, advertising, or other tracking technologies, those providers may collect information in accordance with their own privacy policies.

6. Third-Party Websites and Services

Our Website may contain links to websites, social-media pages, insurance carriers, or other third-party websites and services. Gatto Agency, LLC is not responsible for the privacy practices, security, content, or policies of third-party websites or services. We encourage you to review the privacy policies of those third parties before providing personal information.

7. Insurance Quotes and Online Forms

Information submitted through our Website, including quote-request forms, contact forms, or other online forms, may be transmitted to Gatto Agency, LLC and/or appropriate insurance carriers, vendors, or service providers for purposes of responding to your request and providing insurance-related services.

Submitting information through our Website does not guarantee that coverage will be offered, issued, bound, or renewed.

Insurance coverage is subject to the terms, conditions, exclusions, underwriting requirements, and approval of the applicable insurance carrier.

Please do not submit sensitive information through an ordinary Website form unless the form specifically requests that information and is intended to securely collect it.

Text messaging opt-in data, including your mobile telephone number and consent to receive SMS or MMS messages, will not be shared with third parties for their own marketing or promotional purposes. You may opt out of receiving text messages at any time by sending STOP in response to a text message from Gatto Agency, LLC.

8. Information Security

Gatto Agency, LLC maintains administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

Security measures may include access controls, employee procedures, secure systems, authentication controls, vendor oversight, monitoring, and other safeguards appropriate to the nature of the information and the risks involved. However, no website, electronic transmission, computer system, or storage method can be guaranteed to be completely secure. If a security incident involving personal information occurs, Gatto Agency, LLC will respond in accordance with applicable federal and state laws and regulatory requirements.

9. Data Retention

We retain personal information for as long as reasonably necessary to provide insurance and agency services, maintain business and insurance records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and otherwise fulfill legitimate business purposes. Retention periods may vary depending on the type of information and applicable legal or regulatory requirements.

10. Your Privacy Rights

Depending on your state of residence and the nature of your relationship with Gatto Agency, LLC, you may have certain rights regarding your personal information.

These rights may include rights relating to:

• Access to certain personal information;
• Correction of inaccurate information;
• Information regarding how personal information is collected and used;
• Certain choices concerning the disclosure of information; and
• Other rights provided by applicable federal or state law.

Certain insurance and financial information may be subject to specific federal and state privacy laws that provide different rights and exemptions. To request information regarding your privacy rights or to submit a privacy-related request, please contact Gatto Agency, LLC using the contact information provided below.

11. Children's Privacy

Our Website is not directed toward children under the age of 13, and we do not knowingly collect personal information from children under 13 through the Website. If you believe a child has provided personal information to us through the Website, please contact us so that we can review and address the situation as appropriate.

12. Do Not Track

Some web browsers may transmit “Do Not Track” signals. Because there is currently no universally accepted standard for responding to such signals, our Website may not respond to browser-based Do Not Track signals.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or regulatory obligations. When we make changes, we will update the “Effective Date” at the top of this Privacy Policy. We encourage you to periodically review this page for the most current version.

14. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or the handling of your personal information, please contact:

Gatto Agency, LLC

Website: gattoagencyllc.com

Email: service@gattoagencyllc.com

Phone: 585-252-1886

Mailing Address:

4050 West Ridge Road – Suite 100

Greece, NY 14626

15. Important Insurance Privacy Notice

This Website Privacy Policy describes our online privacy practices. It does not replace any separate privacy notice that Gatto Agency, LLC may be required to provide under applicable federal or state insurance privacy laws.

Where required by law, Gatto Agency, LLC will provide applicable privacy notices describing our information collection, disclosure, and safeguarding practices, including information concerning nonpublic personal information and any applicable rights to limit certain disclosures.

© 2026 Gatto Agency, LLC. All Rights Reserved.