Privacy Policy

Last updated: August 12, 2026

Overview

Punjab Insurance USA respects your privacy. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

This policy applies to our website and the information you submit through forms, calls, texts, WhatsApp, email, or other communication methods linked to this site.

Information We Collect

We may collect:

A) Information you provide

• Name, phone number, email address
• State of residence
• Preferred language, such as English or Punjabi
• Details you type into forms, including messages, insurance interests, travel dates, or related information

B) Information collected automatically

• Device type, browser type, and IP address
• Pages viewed and time spent on the site
• Referral source, such as how you found our website

C) Information for quotes/applications

If you request a quote or apply, we may need additional information required by carriers, such as date of birth, beneficiary details, or health-related questions. This information is collected only as needed and handled according to carrier and legal requirements.

How We Use Your Information

We may use your information to:

• respond to your questions and requests
• provide quotes and explain options
• help with applications and customer support
• send service messages, appointment confirmations, and follow-ups
• improve our website and services
• maintain security and prevent fraud
• meet legal and regulatory requirements

How We Share Information

We do not sell your personal information.

We may share your information with:

• insurance carriers to obtain quotes, submit applications, or service policies
• service providers that help us operate our business, including website hosting, forms, analytics, CRM, and customer support
• legal or regulatory authorities if required by law

Service providers are expected to protect your information and use it only for the services they provide to us.

Cookies & Analytics

We may use cookies and similar technologies to help our website function and to understand how visitors use the site.

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

We may use analytics tools to measure traffic and improve performance.

Calls, Texts, WhatsApp, and Email

If you contact us or submit a form, you agree we may respond by call, text message, WhatsApp, or email regarding your request.

Consent is not required to purchase insurance. Message/data rates may apply. You can request to stop messages anytime by replying “STOP” for SMS or contacting us directly.

Data Security

We use reasonable safeguards to protect your information. However, no website or transmission is 100% secure. Please avoid sending sensitive information through unsecured channels.

Data Retention

We keep personal information only as long as needed for:

• the purpose it was collected
• legal, regulatory, or business record requirements

Then we delete or securely dispose of it when appropriate.

Your Choices & Rights

Depending on where you live, you may have rights to:

• request access to your information
• request corrections
• request deletion where allowed
• opt out of certain communications

To make a request, contact us using the details below.

Children’s Privacy

Our services are not intended for children under 13, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date shows the most recent version.

Contact Us

If you have questions or requests about privacy:

Punjab Insurance USA

• Email: info@punjabinsurance.com