Legal disclaimer and privacy

A legal disclaimer

Tran Insurance Agency is an independent insurance agency based in California, dedicated to serving our clients, including the Vietnamese community, with integrity and care. The information and services provided by Tran Insurance Agency, including but not limited to final expense insurance, health insurance through Covered California, and related consultations, are offered with the following disclaimers:

Independent Agency Status: Tran Insurance Agency is an independent insurance agency and not affiliated with or endorsed by any government entity, including Covered California, the California Department of Insurance, or any specific insurance carrier, unless explicitly stated. We work with multiple insurance carriers and programs to provide options tailored to your needs.
No Guarantee of Coverage or Benefits: We assist clients in obtaining insurance quotes, submitting applications, and understanding policy options. However, we do not guarantee approval, coverage, eligibility for benefits, or specific outcomes from any insurance carrier or program (e.g., Covered California health plans or final expense policies). Final decisions on coverage, premiums, and benefits are made solely by the insurance carriers or relevant programs.
Not Legal or Financial Advice: The information and guidance provided by Tran Insurance Agency are for informational purposes only and do not constitute legal, financial, or tax advice. We recommend consulting with a qualified professional (e.g., attorney, accountant) for advice specific to your personal circumstances.
Medi-Cal and Covered California Assistance: Assistance with Medi-Cal or other public programs through Covered California is provided free of charge, as required by law. We are not social workers or government representatives, and we do not guarantee eligibility or benefits for such programs. Our role is to facilitate applications and provide information based on your provided data.
Limitation of Liability: Tran Insurance Agency, its agents, and representatives shall not be held liable for any loss, damage, or adverse outcome resulting from decisions made by insurance carriers, government programs, or reliance on the information provided. Our services are offered “as is,” and we make no warranties, express or implied, regarding the accuracy or completeness of the information shared.
Third-Party Interactions: We may refer you to third-party entities (e.g., insurance carriers, Covered California) for policy issuance or program enrollment. We are not responsible for the actions, policies, or decisions of these third parties, and we encourage you to review their terms and privacy policies independently.
Changes to Information and Services: Information provided (e.g., policy details, program guidelines) is subject to change based on updates from carriers or regulatory bodies. We strive to provide accurate and current information but cannot guarantee its timeliness at all times.

Contact Us for Questions or Clarifications
If you have any questions or concerns about this disclaimer or our services, please contact us:

Agency Name: Tran Insurance Agency
Phone:714-902-7907
Email: Loc@loctraninsurance.com
Mailling address: PO Box 135, Midway City CA 92655

A privacy Policy

At Tran Insurance Agency, we are committed to protecting the privacy and security of your personal information. As an independent insurance agency based in California, we value the trust of our clients, especially within the Vietnamese community, and strive to handle your data with care and respect. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us for final expense insurance, health insurance (including through Covered California), or other services. By engaging with our agency, you agree to the terms of this policy.

1. Information We Collect

We may collect the following types of personal information from you or through third parties (e.g., insurance carriers, Covered California) to provide insurance products and services:

Personal Identifiers: Name, address, phone number, email address, date of birth, Social Security number, or other identifiers needed for insurance applications.
Health Information: Medical history or health status (if required for insurance underwriting or applications), collected only with your consent and handled per legal requirements.
Financial Information: Income details, payment information (e.g., bank or credit card data for premium payments), or other data needed for insurance enrollment or claims.
Other Data: Information you provide during consultations, policy preferences, or communications with us.

2. How We Collect Information

We collect your information through:

Direct interactions, such as in-person meetings, phone calls, or emails.
Forms and applications you complete for insurance products (e.g., final expense or health insurance plans).
Third parties, such as insurance carriers, Field Marketing Organizations (FMOs), or government programs like Covered California, with your consent or as required by law.
Our website or digital tools (if applicable), including contact forms or quote requests.

3. How We Use Your Information

We use your personal information to:

Provide insurance products and services, including obtaining quotes, processing applications, and managing policies.
Communicate with you about your policies, renewals, claims, or other updates.
Comply with legal and regulatory requirements (e.g., California Department of Insurance rules, Covered California guidelines).
Improve our services, such as analyzing client needs or tailoring offerings to the Vietnamese community.
Market relevant insurance products or services, only with your consent or as permitted by law (you can opt out at any time).

4. How We Share Your Information

We may share your information with:

Insurance Carriers and Partners: To process applications, obtain quotes, or manage policies (e.g., with companies like American Amicable or Gerber Life for final expense insurance).
Government Entities: As required for health insurance programs (e.g., Covered California or Medi-Cal referrals), with your consent or per legal obligations.
Service Providers: Third-party vendors (e.g., technology providers for data storage or processing) who assist our operations, bound by confidentiality agreements.
Legal Authorities: When required by law, court order, or to protect our rights or safety.
We do not sell your personal information to third parties for marketing purposes without your explicit consent.

5. How We Protect Your Information

We take reasonable measures to safeguard your personal information, including:

Using secure digital tools (e.g., encryption, password protection) for storing and transmitting data.
Limiting access to your information to authorized personnel only.
Complying with applicable privacy laws, such as the California Consumer Privacy Act (CCPA) and, where relevant, the Health Insurance Portability and Accountability Act (HIPAA).
Despite our efforts, no system is completely secure. We encourage you to protect your data by not sharing sensitive information unnecessarily.

6. Your Rights Under California Law

Under the California Consumer Privacy Act (CCPA), you have the following rights regarding your personal information:

Right to Know: Request details about the personal information we collect, use, or disclose about you.
Right to Delete: Request deletion of personal information we hold about you, subject to legal exceptions (e.g., data needed for active policies).
Right to Opt-Out: Opt out of the sale of your personal information (if applicable; we do not sell data without consent).
Right to Non-Discrimination: We will not discriminate against you for exercising these rights (e.g., by denying service or charging different rates).
To exercise these rights, contact us at the information below. We will respond within the timeframes required by law (e.g., 45 days for CCPA requests).

7. Data Retention

We retain your personal information only as long as necessary to provide services, comply with legal obligations, or resolve disputes. For example, we keep policy-related data for the duration of your coverage and as required by California insurance regulations (typically 5-7 years after policy termination). After this period, data is securely deleted or anonymized.

8. Third-Party Links and Services

Our website or communications may include links to third-party sites (e.g., insurance carriers, Covered California). We are not responsible for their privacy practices and encourage you to review their policies separately.

9. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. The updated policy will be posted on our website (if applicable) or provided upon request, with the “Last Updated” date revised. Significant changes will be communicated to you directly if required by law.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Agency Name: Tran Insurance Agency
Phone: 714-902-7907
Email: Loc@loctraninsurance.com
Mailing address: PO BOX 135, Midway City CA 92655
We are committed to addressing your concerns promptly and in compliance with applicable laws.