Privacy Policy
Updated September 22nd, 2025
This statement is made on behalf of Pacific Financial Association and PFA Transportation Insurance & Surety Services, collective referred to herein as “PFA”. AT PFA we respect your privacy and are committed to protecting the privacy and confidentiality of your personal information. We take your right to privacy seriously and want you to feel comfortable using our website. This Privacy Policy deals with personally identifiable information that may be collected by us on our site. This Policy describes how we collect, use, share, and protect your information. This Policy does not apply to other entities that we do not own or control, or persons that are not our employees, agents or within our control.
We may change the provisions of this Policy at any time and will indicate when changes have been made by revising the date at the top of this Policy and on this website. We may revise and update the provisions of this Policy from time to time at our sole discretion. All changes are effective immediately when posted. Your use of the Services following the posting of such changes shall constitute your consent to such changes. We encourage you to review this Policy whenever you access the Services to see if it has changed and make sure that you understand the most current information about your privacy.
Personal Information PFA May Collect
PFA may collect or receive the following information that may contain personal information:
- Identity Information: First name; middle name or initial; last name; gender; genetic characteristics; date of birth; marital status; age; identification number, such as social security or tax identification number; geolocation data; permanent residence: professional licenses and affiliations; contract or policy number; identification of insured property (such as addresses or vehicle license plate numbers); and other similar information.
- Contact Information: Business and/or personal addresses, email addresses, telephone numbers, fax numbers, and other contact details.
- Financial and Business Information: Financial statements; assets; liabilities; tax filings and other tax information; business operations information; payroll information; credit history; credit score; educational information; employment details; vehicle driving records; prior accident or loss history; status as a director, partner, or other ownership or management position; insurance coverage information; and any other business or financial information required to underwrite or support a claim under an insurance policy or surety bond.
- Payment Information: Bank account information, credit or debit card information, wire transfer instructions, and other information necessary for PFA to make or receive payments.
- Regulatory Information: Any personal information needed for PFA to comply with its obligations under applicable laws and regulations, including, without limitation, anti-money laundering, anti-bribery, insurance fraud, economic and trade sanctions, and other regulatory schemes.
- Website Usage Information: PFA’s website uses cookies and other automatic data collection technologies to collect certain information about visitors to our website, including IP address; details about your browser, operating system and device/hardware; general location (if available); webpages visited; and other logging information such as the date, time, and duration of your use of the website.
- Information you provide about other People. If you submit any Personal Information relating to other people to us or to our service providers, you represent that you have the authority to do so and to permit us to use the information in accordance with this General Privacy Statement.
How PFA Collects Information
We collect non-public personal information about you from the following sources:
- Information you submit to us when applying for insurance or surety products or when paying premiums, filing claims, or making changes to your policies or bonds.
- Consumer Reporting Agencies, such as personal and business credit reports (when part of our insurance/bond underwriting practices).
- Financial Institutions, Banks, Suppliers, Attorneys, or other third parties identified by you as sources of information.
- State and Federal Agencies such as the Federal Motor Carrier Safety Administration or a Contractor License Board.
- Insurance Agents or Brokers, such as any of the above types of information as well as information about other insurance or surety products you may have.
- Analytic services and software provided by third parties to help us understand how users access and use the Services. These tools and services place cookies, web beacons and other devices or technologies on our Services to enable them to track traffic data. The data collected typically includes information such as your IP address, your Internet Service Provider, your web browser, the time spent on web pages, the links clicked, and the advertisements viewed on those pages. We use this information to improve our Services and your experience, to see which areas and features of our Services are popular, and to count visits.
How PFA Uses the Information Collected
PFA uses the personal information that we collect or you provide above for the following purposes:
- Underwriting and Policy Issuance, Maintenance, and Renewal: In order to underwrite and issue, maintain, and renew contracts and insurance policies, bonds, or warranty products, obtain reinsurance, and communicate important information to you throughout this process, PFA may collect, use and share (“process”) identity, contact, financial and business, and regulatory information about policyholders, insureds, producers, loss payees, enrollees, annuity owners, certificate owners, annuitants, participants, beneficiaries, trustees, legal representatives, reinsurers, underwriters, appraisers, actuaries, and other related persons or entities. We process this information to enter into and perform our contractual obligations to you and for our legitimate business purposes.
- Claims Review and Approval: In order to process claims under an insurance policy, or a bond or surety product, and to communicate with you throughout this process, PFA may process identity, contact, financial, business, and regulatory information about claimants, policyholders, insureds, trustees, legal representatives, witnesses, agents, advisors, brokers, and other third parties. We process this information to perform our contractual obligations to you and for our legitimate business purposes.
- Payment: In order to collect payments, pay claims, pay third-party service providers and other payees, and make other business-related payments, PFA may process identity, contact, financial and business, payment, and regulatory information about policyholders, insureds, trustees, claimants, third party administrators, professional advisors, service providers, vendors, and other payees. We process this information to perform our contractual obligations to you and for our legitimate business purposes.
- Internal Operations: PFA may process identity, contact, financial and business, payment, regulatory, and website usage information for purposes of PFA’s internal business operations, including but not limited to marketing; servicing your account; improving our products and services; data security; financial, claim or other audits; quality assurance measures; resolving complaints; identifying and preventing fraud; managing commercial risk; complying with legal, regulatory, and contractual obligations; business continuity and disaster recovery; complying with internal policies and procedures; establishing and defending PFA’s legal rights; communicating important information regarding our policies, terms and conditions, and other administrative information; communicating with agents, advisors, brokers, and policyholders; responding to requests for information; website personalization and optimization; as well as actuarial studies, analytics, and statistical modeling. We process this information to perform our contractual obligations to you, for our legitimate business purposes to provide and customize our products and services to you and to secure your information, and to comply with legal obligations and exercise any legal rights we may have.
How PFA May Share your Personal Information
In accordance with applicable law, we may disclose Personal Information that we collect or you provide to the following parties:
- Subsidiaries and Affiliates: In connection with our business operations, to provide products and services, and to comply with applicable laws and regulations, PFA may share information with subsidiaries and affiliates.
- Professional Advisors: In order to comply with applicable laws and regulations, to obtain professional advice and services, and in connection with our business operations, PFA may disclose personal information to accountants, auditors, lawyers, bankers, insurers, and other professional advisors to PFA.
- Insurance-Related Business Partners and Third Parties: In connection with our business operations and to provide products and services, PFA may share information with underwriters, appraisers, brokers, agents, advisors, and loss adjusters; claims administrators; insurance support organizations; reinsurance providers; other insurance companies; financial institutions, such as banks; payment processors; securities firms; credit bureaus; consumer reporting agencies; and other third parties.
- Other Vendors and Service Providers: In order to provide products and services and to support our business operations, PFA may share information with vendors and third party service providers such as IT vendors, developers, software providers, and website hosting providers; records management and data storage providers; data analytics companies; printing, advertising, marketing and market research companies; translators; and other third parties.
- Legal and Regulatory: For the purpose of meeting our legal and regulatory obligations, or otherwise as allowed or required by law, PFA may share personal information with third parties such as federal, state, and local regulatory authorities, tax authorities, law enforcement, public, administrative, or judicial bodies, or other persons or entities in response to a legal process (such as a subpoena) or as otherwise required or allowed by law.
- Corporate Transaction: PFA may disclose your personal information to a third party in connection with a proposed or actual reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of the PFA business, assets, or stock (including in connection with any insolvency event or similar proceedings).
- Marketing: PFA may disclose your personal information to an affiliate or a third party marketing service provider in connection with the marketing efforts of PFA or its affiliates, which may include joint marketing arrangements with third parties. You may opt out of marketing emails at any time by following the instructions in our marketing communications or by contacting us using the information provided in How to Contact PFA below.
- Mobile Opt-In: PFA will never share any mobile opt-in selections with third parties or affiliates.
Does PFA Sell Personal Information?
We do not give or sell our customers’ personal information to other companies for marketing purposes. If in the future, we anticipate selling your personal information to any party, we will provide you with the opt-in and opt-out rights required by federal and state laws and regulations including the California Consumer Privacy Act (CCPA).
How PFA Safeguards Your Personal Information
PFA maintains its own security measures that are designed to help us protect your information. PFA has established reasonable technical, physical, legal and organizational measures to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Such measures are consistent with applicable privacy and data security laws. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data as permitted or required by law. PFA associates are prohibited from making unauthorized disclosure of personal information that we collect.
The safety and security of your information also depends on you. If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is established for a specific person or entity, and you agree not to provide any unauthorized person with access to the Services. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your personal information provided or collected. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures. While we seek to keep information safe and secure, we cannot guarantee that personal information you provide to us will be secure, or that the Services will be uninterrupted or error-free.
How to Contact PFA
If you have any questions about the Privacy Policy or wish to update your information, please contact us at privacy@pfaprotects.com or by telephone at 800-595-2615. You may also write to us at the following address:
PFA Transportation Insurance & Surety Services
ATTN: Compliance Officer
22601 N. 19th Avenue, Suite 202
Phoenix, AZ 85027
Notification of Changes to this Policy
This privacy policy may change from time to time. If we change our Privacy Policy, we will post those changes on the web site www.pfaprotects.com. You may wish to visit this page periodically to review the most recent Privacy Policy.
California Consumer Privacy Act (CCPA) Statement
Updated October 7th, 2020
Consumers residing in California have some additional rights with respect to their personal information under the California Consumer Privacy Act (“CCPA”). If you are a California resident, this California Privacy Act Statement (“Statement”) section applies to you and supplements PFA’s main Privacy Policy. It describes our collection and use of Personal Information that is subject to the CCPA, and your rights under that law.
This Statement has been adopted to comply with the CCPA and any terms defined in the CCPA have the same meaning when used in this Statement. This Statement does not apply to personal information publicly available nor to de-identified or aggregated consumer information. This Statement also does not apply to information excluded from or otherwise unregulated by the CCPA. It also does not apply to employees, contractors, or job applicants.
Categories of Personal Information We Collect
We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). We may collect the following categories of your personal information:
| Category of Personal Information | Examples |
|---|---|
| Identifiers (“Identifiers”) | Name, alias, postal address, social security number, personal identifier, online identifier, email address, account name, driver’s license number, passport number, or other similar identifiers. |
| Personal Information as defined in the California Customer Records statue (Cal. Civ. Code 1798.80(e)) (“Other PI”) | Name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit or debit card number, or any other financial information. Some personal information included in this category may overlap with other categories. |
| Characteristics of protected classifications under California or federal law (“Characteristics”) | Age, citizenship, marital status, medical condition, physical or mental disability, sex, and veteran or military status. |
| Commercial Information (“Commercial”) | Records of personal property, products or services purchased, obtained or considered. |
| Biometric Information (“Biometric”) | Physiological, biological, or behavioral characteristics such as fingerprints, voice recordings or other data that contain identifying information. |
| Internet or similar network activity (“Internet Activity”) | Website information, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. |
| Geolocation data (“Geolocation”) | Physical location and/or movements. |
| Sensory data (“Sensory”) | Audio, electronic, visual, or similar information including recorded phone calls and other audio recordings. |
| Professional or employment-related information (“Professional”) | Current and/or past employment history, professional licenses or affiliations. |
| Inferences drawn from other personal information (“Inferences”) | Information used to create a profile about a consumer reflecting the consumer’s preferences and characteristics. |
Sources of Personal Information
We collect the personal information described above directly from you such as through your transactions with PFA, including through our account representatives, claims representatives, insurance producers, business partners, and your interactions with us on our websites and social media pages. We also collect this personal information from other categories of sources such as publicly available databases, consumer reporting agencies, commercially available sources, third parties authorized by you such as financial service providers, and prior and current employers, when they share the information with us.
Uses and Disclosures of Personal Information
We may use all of the categories of personal information for the following commercial or business purposes:
| Category of Personal Information | Purposes |
|---|---|
| All Categories |
|
Third Parties with Whom Personal Information is Disclosed
We may disclose the following consumers’ personal information to the following categories of third parties:
| Category of Personal Information | Third Parties |
|---|---|
| All Categories |
|
| Identifiers and Internet Activity | When you interact with third-party content on our website. |
Your Privacy Rights
We do not sell your information. If in the future, we anticipate selling your personal information to any party for marketing purposes, we will provide notice so that you may exercise your opt-in and opt-out rights required by federal and state laws and regulations including the California Consumer Privacy Act (CCPA) if you have not done so already.
The CCPA provides California residents, or a person registered with the California Secretary of State that a California resident authorizes to act on their behalf, with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights and how to make a verifiable request.
Right to Know and Access or Request Deletion of Your Information
You have the right to request that we disclose to you the following information covering the 12 months preceding your request:
- the categories of personal information we have collected about you;
- the categories of sources from which we collect your personal information;
- the business or commercial purposes for collecting or disclosing your personal information;
- the categories of third parties with whom we share your personal information;
- the categories of personal information we have disclosed about you for a business purpose; and
- the specific pieces of personal information we have collected about you.
To the extent provided by law, you may also request that we delete Personal Information that we collected about or from you. To exercise the rights described above, please contact us at privacy@pfaprotects.com or by telephone at 800-995-2615. You may also write to us at the following address:
PFA Transportation Insurance & Surety Services
ATTN: Compliance Officer
22601 N. 19th Avenue, Suite 202
Phoenix, AZ 85027
If you want us to disclose specific pieces of Personal Information that we collected about or from you, you also must provide us with a copy of the front and back of your driver’s license or other government-issued identification card.
If the request is made by a designated agent on your behalf, the agent must mail the form to our Compliance officer at the above address along with proof of a power of attorney from you or your signed permission authorizing the agent to make the request for you. If the agent requests disclosure of specific pieces of personal information or deletion of personal information, the agent also must send us a copy of the front and back of your driver’s license or other government-issued ID card. If the agent does not provide us with proof of power of attorney, we may contact you to directly verify with you your identity and that you gave the agent permission to submit the request.
We cannot respond to your request or provide you with personal information, however, if we cannot (i) verify your identity or authority to make the request, and (ii) confirm the personal information relates to you. To make a verifiable request, you must provide sufficient information to allow us to reasonably verify you are the person about whom we collected personal information or that you are the person authorized to make the request. Additionally, you must describe your request with sufficient detail that allows us to properly understand, evaluate, and respond.
We will only use personal information you provide to verify your identity or authority to make the request. Making a verifiable request does not require you to create on account with us.
You may make up to two (2) requests in any twelve (12) month period.
You should be aware, however, that California law allows us to retain your personal information under certain conditions, even if you have asked us to delete it. We, therefore, may deny your deletion request if, for example, retaining the information is necessary for us or our service provider(s), including, but not limited to, for any of the following reasons:
- to complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
- to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
- to comply with a legal obligation; or
- otherwise use personal information, internally, in a manner compatible with the context in which you provided the information.
We will promptly consider all deletion requests. In addition, we will notify you of any denial of your deletion request and the reason for such denial. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Right to Non-discrimination for the Exercise of Consumer Privacy Rights
We will not discriminate against you because you have chosen to exercise any of your privacy rights described above.
If you have questions about this notice, please contact us at privacy@pfaprotects.com or by telephone at 800-595-2615. You may also write to us at the following address:
PFA Transportation Insurance & Surety Services
ATTN: Compliance Officer
22601 N. 19th Avenue, Suite 202
Phoenix, AZ 85027
Changes to this Privacy Disclosure
This Privacy Disclosure may be changed from time to time. We will post any changes on our website. The date noted on the Privacy Disclosure indicates when it was last revised.