Privacy Policy

Your privacy is important to us. We created this Privacy Policy for AR Bhalli Services ("we," "us," or "our"), an insurance intermediary connecting clients with trusted insurance providers, to explain how we collect, use, share, and retain the information we collect from and about you on our website (arbhalli.services). This policy is limited to this website; AR Bhalli Services does not have control over the privacy policies of other websites, including those you may access via links on our site. PLEASE NOTE THAT BY CONTINUING TO USE THIS SITE, YOU ARE PROVIDING YOUR CONSENT TO THE COLLECTION, USE, DISCLOSURE, AND RETENTION OF PERSONAL INFORMATION AS SET OUT IN THIS PRIVACY POLICY. IN SOME CASES, YOUR CONSENT MAY BE "IMPLIED" I.E. YOUR PERMISSION IS ASSUMED BASED ON YOUR ACTION OR INACTION AT THE POINT OF COLLECTION, USE, OR SHARING OF YOUR PERSONAL INFORMATION.

Personal Information

Personal information includes any information that can be used to identify or contact you, such as your name, address, email address, telephone number, or Social Security/Insurance number. AR Bhalli Services does not collect personal information unless it is voluntarily provided. We may use personal information only as required or permitted by law, including to verify your identity or to respond to requests or inquiries from you.

Information Collection

AR Bhalli Services does not sell, share, or rent information collected on this site to others in ways different from what is disclosed in this Privacy Policy.

We limit the collection of personal information to what is reasonably required to fulfill the purposes for which it was collected. We collect personal information in the following ways:

• Information You Provide Directly to Us
  We collect information that you provide to us when you inquire about or schedule appointments for insurance products and/or services through this website. If you refuse to provide any requested information (whether or not required), you may not be able to take full advantage of the website and its features.
• Information Provided from Third Parties
  We may also collect personal information about you from third parties, such as consumer reporting agencies or social media sites you use to connect to this website. We may associate or combine this information with what you provide directly.
• Social Media
  We may use social media websites to interact with you. Any information collected from these interactions is subject to our social media best practices.
• Information Automatically Collected
  When you use this website, the server may recognize you via "cookies" or other tracking technologies. These allow us to tailor the site to your interests and track your activity. For more information, visit our Cookie Policy (to be created).

Furthermore, we may retrieve certain information from your browser (e.g., browser type, IP address) and device (e.g., device type, OS version). We use this to monitor website performance, analyze traffic, and tailor offers. This information may be added to your user profile.

Our third-party partners may use cookies and Web beacons to monitor activity. You can opt out at http://optout.aboutads.info.

Tracking Options and California Do Not Track Disclosures

Certain features require "cookie" technologies, which we use for relevant advertising. You can adjust settings to limit tracking, but this may affect website functionality. This website does not respond to do not track signals from most browsers.

Information Use

We may use your information to:

• Respond to your inquiries and communicate about insurance products.
• Provide insurers with required application information.
• Market products and services we think may interest you.
• Improve customer service and tailor your experience.
• Develop new products and enhance our website.

We aggregate your information with others for benchmarking and analysis, with a lawful basis for processing based on consent, legitimate interest, or legal requirements.

Disclosure of Your Information

We disclose information only as required or permitted by law, including with:

• Third-party service providers (e.g., IT, data analysis) under contractual obligations.
• Consumer reporting agencies.
• Public areas of our website if you contribute (e.g., message boards).
• A third party in the event of a business sale or merger.

These providers may be in the United States or Canada, governed by their own privacy policies. We may also disclose information for legal compliance, enforcement, or safety purposes.

Our Commitment to Your Privacy

AR Bhalli Services is committed to aligning our privacy practices with industry norms, contractual obligations, and applicable laws through regular assessments, training, and policy updates.

Security of Your Information

We use industry-standard safeguards (e.g., encryption) to protect your information, but no system is impenetrable. Email and SMS are not secure; avoid sending sensitive data like Social Security numbers.

Children’s Privacy

This website is not for minors under 18. We do not knowingly collect data from children under 18 without parental consent and will delete it if discovered. Contact us at info@arbhalli.services for concerns.

Choices and Access

Marketing Emails
To unsubscribe from marketing emails, follow the instructions in the email (administrative messages may continue).

Access, Correction, and Deletion
Contact customer service to request access, correction, or deletion of your information. Verification may be required.

Consent
You may withdraw consent except where legally or contractually required. Withholding or withdrawing consent may limit access to services.

Retention Period

We retain your information as long as necessary for its purpose or legal requirements, securely destroying or anonymizing it when no longer needed.

Changes to this Privacy Policy

We may update this policy without notice. The latest version will be posted here. Continued use after changes indicates acceptance.

For questions, contact us at info@arbhalli.services or +1 323-372-7322.