Privacy policy

Effective date: October 4, 2026 Last updated: October 4, 2026

CheapEarthquakeInsurance.com is a website operated by Rebecca Byrom Insurance Agency, Inc. d/b/a Jump Insurance Services (California Insurance License #0L75450). In this policy, “Jump,” “we,” “us,” and “our” mean that company. “You” means anyone who visits the website, asks for a quote, or contacts us.

This Privacy Policy explains what personal information we collect through https://cheapearthquakeinsurance.com (including www.cheapearthquakeinsurance.com, which redirects there), our quote forms, and the calls, texts, and emails that follow (together, the “Services”). It also explains how we use and disclose that information and the choices and rights you have.

The short version

• We collect what you type into our quote forms (name, phone, property address and property details, and for business quotes, email and business information), plus information about your device and how you use the site.
• We use it to get you earthquake insurance quotes, to follow up with you, and to help service any policy you buy.
• We send your quote details to the insurance companies and service providers we need to prepare and place your quote.
• We use Google and Microsoft advertising tools to measure our ads and to show our ads to people who visited the site. Under California law, that counts as “sharing” personal information for cross-context behavioral advertising. You can opt out using Your Privacy Choices at the bottom of every page, or by turning on Global Privacy Control in your browser.
• We text you only with your consent. Reply STOP at any time to stop texts.
• We do not sell or share your mobile number or your text-message consent with anyone for their own marketing.
• California residents can ask to know, delete, or correct their personal information, and can opt out of sale and sharing. See Section 9.

1. Who we are and what this policy covers

Jump is a licensed California insurance producer. Through this website we help people and businesses get earthquake insurance quotes for property located in California, including quotes from the California Earthquake Authority (CEA) through its participating insurers, and from private insurance companies. We are not an insurance company.

This policy covers personal information we collect online and offline in connection with this website and the earthquake insurance inquiries, quotes, applications, policies, renewals, and service that come from it.

This policy does not replace the privacy notice of any insurance company, premium finance company, lender, or other business that handles your information for its own purposes. Their notices govern how they use your information.

Insurance privacy laws. Information we collect for an insurance transaction may also be protected by laws written specifically for insurance and financial information. These include the federal Gramm-Leach-Bliley Act, the California Insurance Information and Privacy Protection Act (California Insurance Code section 791 and following), and the California Financial Information Privacy Act. Where one of those laws applies, we follow it. Some of the California Consumer Privacy Act rights in Section 9 may not apply to information covered by those laws. Section 10 describes your rights under insurance privacy law.

2. Personal information we collect

2.1 Information you give us

Residential earthquake quote form. Your first and last name, mobile phone, home phone, the property address, a mailing address if it is different, the effective date you want, and property details. Property details include year built, square footage, dwelling use (for example single-family, condo, or multi-unit), occupancy (owner-occupied, landlord, seasonal, or vacant), foundation type, construction type, number of stories, any prior earthquake damage, and the coverage amount you want. The form also asks whether you would like a homeowners insurance quote.

Commercial earthquake quote form. The applicant’s name, contact email, mobile phone, legal entity name and entity type, the property location address and mailing address, and your current earthquake insurer, premium, and renewal date. It also asks for building details: year built and renovated, construction type, number of buildings and stories, square footage, parking configuration, occupancy, sprinklers, and retrofit information. Finally it asks for the deductible and values you want quoted (building, business personal property, business interruption, loss of rents, tenant improvements, and other property), and whether you would like a property insurance quote.

Optional text-message consent. Whether you checked the optional box agreeing to receive text messages, together with the date and time.

When you call, text, or email us. Your contact information, what you tell us, documents you send, and records of our conversations. Calls may be recorded where the law allows, and only with any notice or consent the law requires.

Applications and policies. If you go on to apply for or buy a policy, we and the insurer may collect more information. This can include prior insurance and claims history, lender (mortgagee) information, inspection or valuation results, signatures, and billing and payment information.

2.2 Information collected automatically

When you use the website, we and our technology providers collect:

• Device and connection information: IP address, browser type, operating system, device type, and approximate location (city or region) inferred from your IP address.
• Usage information: pages you view, links and buttons you click, how you scroll and move around a page, the page that sent you to us, the date and time of your visit, and whether you started or submitted a quote form.
• Advertising and campaign identifiers: cookie and advertising IDs, plus the codes attached to an ad or link you clicked. These include UTM campaign tags and the Google Ads click ID (GCLID) or Microsoft Advertising click ID (MSCLKID). When you submit a quote form, these campaign codes are saved with your quote request so we know which ad or link brought you to us.
• Session recordings and heatmaps: Microsoft Clarity records how visitors interact with our pages (mouse movement, clicks, and scrolling) so we can find and fix problems. Our quote forms are hosted by Cognito Forms in a separate frame. Clarity does not record what you type into those forms.

Our quote form service, Cognito Forms, also records technical details of each form submission, such as IP address, browser, and time zone, to prevent spam and fraud.

2.3 Information from other sources

• Insurance companies, the CEA’s participating insurers, wholesale brokers and surplus lines brokers, and underwriters. Examples are quotes, declinations, policy information, and requests for more information.
• Property, mapping, valuation, inspection, and public-record sources, such as assessor and building records.
• Google’s address-suggestion service, which completes the property address as you type it into our quote forms.
• Lenders, escrow companies, real estate professionals, and other people you authorize to deal with us.
• Advertising and analytics providers, which report how our ads and pages perform.

2.4 Information we do not ask for on the website

Our website forms do not ask for Social Security numbers, driver’s license numbers, bank or payment card numbers, or health information. Please do not send that kind of information by regular email or text. If an insurer needs sensitive information later in the application, we will tell you how to provide it securely.

3. How we use personal information

We use personal information to:

• Prepare and deliver quotes. We review your request, ask follow-up questions, submit your information to insurers and underwriters, and present the results to you, including comparisons between CEA and private-market options.
• Place and service insurance. We help with applications and binding requests, lender requirements, policy documents, billing questions, payments, endorsements, renewals, and claims questions.
• Communicate with you by phone, email, and, if you opted in, text message about your request, your quote, and your policy (see Section 7).
• Offer related insurance you asked about, such as a homeowners or commercial property quote, and send other marketing only where the law allows and with any consent the law requires.
• Run and improve the website. We operate, secure, troubleshoot, and improve the website and our forms, including through analytics and session recordings.
• Advertise. We measure which ads lead to quote requests, and we show our ads to people who have visited our site (remarketing). See Sections 5 and 6.
• Protect against fraud, spam, and misuse, and keep the Services secure.
• Meet legal obligations. We comply with insurance, licensing, tax, privacy, and other legal requirements, keep required records, respond to lawful requests, and establish or defend legal claims.
• Complete business transactions such as a merger, financing, or sale of all or part of our business, subject to appropriate confidentiality protections.

We may also create de-identified or aggregated information that does not identify you. We will not try to re-identify it except as the law allows.

4. How we disclose personal information

4.1 Insurance companies and others involved in your quote or policy

We send your quote and application information to the insurers, CEA participating insurers, wholesale and surplus lines brokers, managing general agents, underwriters, inspectors, premium finance companies, and lenders needed to quote, place, and service your coverage. Those companies decide eligibility, price, and coverage. They use your information under their own privacy notices.

4.2 Service providers

We use service providers that handle personal information on our behalf, under contracts that limit their use of it. The main ones for this website are:

4.3 Advertising partners

We use Google Ads (Google LLC) and Microsoft Advertising, including its Universal Event Tracking (UET) tag (Microsoft Corporation), to measure our ads and show our ads to people who visited our website. These companies receive information about your visit directly from your browser through cookies and tags. That information includes cookie and device identifiers, IP address, the pages you viewed, the ad you clicked, and whether you started or submitted a quote request. Microsoft Clarity, which loads with our Microsoft Advertising tag, also sends interaction data to Microsoft. Microsoft may use that data under its own terms, including to improve its advertising services. Section 6 explains why this counts as “sharing” and how to opt out.

We do not give advertising companies your name, phone number, email address, or the answers you enter in our quote forms.

4.4 Other disclosures

• Legal and safety: to regulators (including the California Department of Insurance), courts, law enforcement, auditors, and lawyers when the law requires it, or when it is reasonably needed to protect rights, safety, or property, or to respond to legal process.
• Business transfers: to a buyer, successor, lender, or adviser in connection with a merger, financing, reorganization, or sale, subject to confidentiality protections.
• Affiliated operations: to other insurance websites and teams operated by Rebecca Byrom Insurance Agency, Inc., such as our flood insurance agency. We do this when needed to handle your request, for example if you ask for flood or homeowners coverage too.
• At your direction: to anyone you ask us to share information with, such as a lender, property manager, or family member.

5. Cookies, tags, and similar technologies

Cookies are small files stored in your browser. Tags (also called pixels) are small pieces of code that send information about your visit to us or to a provider. We use them for these purposes:

Your controls:

• Your Privacy Choices (the link at the bottom of every page) turns off our advertising tags and Microsoft Clarity in the browser you are using. See Section 6.
• Global Privacy Control (GPC): we treat a GPC signal as a request to opt out of sale and sharing (Section 6).
• Browser settings: most browsers let you block or delete cookies. Blocking all cookies may stop our quote forms from working properly.
• Provider tools: Google’s Ad Settings (adssettings.google.com), Microsoft’s privacy dashboard (account.microsoft.com/privacy), and the Google Analytics opt-out browser add-on (tools.google.com/dlpage/gaoptout).

Do Not Track. Some browsers send a “Do Not Track” signal. There is no common standard for how websites should respond to it, so our website does not respond to Do Not Track signals. We do honor Global Privacy Control as described in Section 6.

6. Sale and sharing of personal information, and Your Privacy Choices

What we share. As described in Sections 4.3 and 5, we allow Google (through Google Ads) and Microsoft (through Microsoft Advertising UET and Microsoft Clarity) to collect the following from our website: identifiers (cookie and device IDs, IP address, and ad click IDs), internet activity (pages viewed and actions such as starting or submitting a quote request), approximate location, and the inferences those companies draw for advertising. This information is used to show our ads to people who have visited our site and to measure our ads. Under the California Consumer Privacy Act (CCPA), this is “sharing” for cross-context behavioral advertising.

Sale. We do not sell personal information for money. Some of these advertising disclosures could also be considered a “sale” under California law. We treat them the same way, so opting out covers both.

What we do not share or sell. We do not sell or share, for cross-context behavioral advertising, your name, phone number, email address, the property and coverage details you enter in our forms, or your text-message consent.

How to opt out of sale and sharing (“Do Not Sell or Share My Personal Information”):

• Use the Your Privacy Choices link at the bottom of every page of the website. Turning off advertising there stops our Google Ads and Microsoft advertising tags and Microsoft Clarity from loading in that browser. Because those tags are tied to your browser and device, repeat this on each browser and device you use, and again if you clear your cookies.
• Turn on Global Privacy Control (GPC) in your browser or with a browser extension. When we detect a GPC signal, we treat it as a request to opt out of sale and sharing for that browser and turn off the same tags. We do not ask you to confirm it. If we know who you are (for example, because you have submitted a quote request), we apply the opt-out to you as well.
• Contact us at agency.services@jumpins.com or 858-295-7242 and ask us to opt you out. We will apply your request to any information we hold that is tied to you and tell you how to complete the browser opt-out.

We will act on opt-out requests within 15 business days. After you opt out, we will wait at least 12 months before asking whether you want to opt back in.

Minors. We do not knowingly sell or share the personal information of anyone under 16.

Your Privacy Choices

Use the button below to turn off our advertising tags and Microsoft Clarity in this browser. This is how you opt out of the “sale” or “sharing” of personal information under California law. It applies to this browser and device only, so repeat it on each device you use, and again if you clear cookies. If your browser sends a Global Privacy Control signal we honour it automatically.

Turn off advertising and analytics tags in this browser

Checking this browser’s status…

7. Text messages, calls, and email

7.1 Text messages (SMS/MMS)

How you opt in. Our quote forms include an optional, unchecked box that lets you agree to receive text messages about your request. You do not have to check it to get a quote. If you check it, you agree that Jump Insurance Services (CheapEarthquakeInsurance.com) may text the mobile number you provided. Messages may be sent using automated technology.

What we text about. If you opt in, our first text is usually sent right after you submit the form to confirm we received your request. After that, we may text about your quote (follow-up questions, missing information, quote results, and reminders), any related quote you asked for (such as homeowners or commercial property insurance), and service of a policy you buy through us (documents, payment and renewal reminders, and lender requests).

Key terms:

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out at any time. We may send one final message confirming your opt-out.
• Reply HELP for help, or contact us at 858-295-7242 or agency.services@jumpins.com.
• Consent to receive texts is not a condition of purchasing any insurance or of getting a quote.
• Mobile carriers are not liable for delayed or undelivered messages.

Opting out of texts does not cancel a policy or withdraw a quote request. We may still contact you by phone, email, or mail about your request or policy, or send notices the law requires.

7.2 Mobile information is not shared for marketing

We do not sell, rent, or share mobile phone numbers, text-message opt-in data, or consent records with third parties or affiliates for their own marketing or promotional purposes. We disclose this information only to the text-messaging and telephone providers that deliver our messages, under contracts that limit how they use it, and where the law requires it.

7.3 Phone calls

If you submit a quote request or ask us to contact you, we may call the phone number you provided about your request. If you ask us not to call, we will add you to our internal do-not-call list.

7.4 Email

We send emails about your quote and policy. Any marketing email will identify us and include a way to unsubscribe. Unsubscribing from marketing email does not stop emails about an active quote or policy.

8. How long we keep information

We keep personal information only as long as reasonably necessary for the purposes in this policy, then delete or de-identify it. Typical periods are:

9. California privacy rights and notice at collection

This section gives California residents the information required by the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the “CCPA”). It also serves as our notice at collection.

9.1 Categories of personal information we collect

In the past 12 months we have collected the following categories of personal information. We expect to keep collecting them. All of them are disclosed for business purposes to the service providers in Section 4.2, and to insurers and other parties in Section 4.1 when needed for your quote or policy.

We do not collect personal information about protected characteristics (such as race, religion, or medical conditions), biometric information, or education records through this website.

Purposes. We collect and use each category for the business and commercial purposes in Section 3. Those purposes are providing quotes and insurance services, communicating with you, security and fraud prevention, improving the website, advertising (including cross-context behavioral advertising for the categories marked “Shared”), and legal compliance.

Sensitive personal information. If we collect sensitive personal information, we use it only for purposes the CCPA permits without a right to limit, such as providing the insurance services you request, security, and legal compliance. We do not use it to infer characteristics about you.

9.2 Your rights

If you are a California resident, you have the right to:

• Know and access the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties we disclose it to. You can also get a copy in a portable format.
• Delete personal information we collected from you, subject to legal exceptions. For example, we may need to keep insurance records the law requires.
• Correct inaccurate personal information.
• Opt out of the sale and sharing of your personal information (Section 6).
• Limit the use of sensitive personal information. We do not use sensitive personal information in ways that trigger this right.
• Not be discriminated against for exercising your rights. We will not deny you a quote, charge you a different price, or give you a different level of service because you exercised a privacy right.

We do not offer financial incentives or price differences in exchange for personal information.

9.3 How to make a request

• Email: agency.services@jumpins.com (subject line “Privacy Request”)
• Phone: 858-295-7242
• Mail: Rebecca Byrom Insurance Agency, Inc., Attn: Privacy Requests, 7960 Silverton Ave., Suite 202, San Diego, CA 92126

To opt out of sale and sharing, you can also use the Your Privacy Choices link or Global Privacy Control (Section 6).

Verification. To protect your information, we verify requests to know, delete, or correct by matching details you give us (such as your name, phone number, and property address) with our records. We may ask for more information if needed. We do not need to verify opt-out requests.

Authorized agents. You may use an authorized agent. We may ask for signed permission from you, and may ask you to verify your identity or confirm the request directly with us.

Timing. We will confirm receipt of a request to know, delete, or correct within 10 business days, and respond within 45 calendar days. If we need more time (up to another 45 days), we will tell you why. If we deny a request, we will explain why.

9.4 California “Shine the Light”

California Civil Code section 1798.83 lets California residents ask whether a business has disclosed personal information to third parties for their own direct marketing. We do not disclose personal information to third parties for their own direct marketing purposes.

10. Your rights under insurance privacy law

If your information was collected in connection with an insurance transaction, the California Insurance Information and Privacy Protection Act may give you the right to request access to recorded personal information about you, to ask that it be corrected, amended, or deleted, and to learn the reasons for an adverse underwriting decision. Most underwriting decisions are made by the insurer, and the insurer will provide any notices that law requires. Send requests to us using Section 9.3. We will respond for the records we hold and forward or refer requests to the insurer where appropriate.

11. Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. These include encrypted connections (HTTPS) on our website, access controls, and vendor oversight. No website, transmission, or storage system is completely secure, and we cannot guarantee security. Please do not send sensitive information (such as Social Security or bank account numbers) by regular email or text. If you believe your information has been compromised, contact us right away.

12. Children’s privacy

This website is for adults seeking insurance. It is not directed to children, and we do not knowingly collect personal information from children under 13. We do not knowingly sell or share personal information of anyone under 16. If you believe a child has given us personal information, contact us and we will delete it.

13. Links to other websites

Our website may link to insurers, payment and e-signature services, our affiliated insurance websites, and other sites. This policy does not apply to those sites. Please read their privacy notices. Google’s address-suggestion service in our forms is subject to the Google Privacy Policy (policies.google.com/privacy).

14. Where information is processed

We operate in the United States and serve California properties through this website. Personal information is stored and processed in the United States by us and our service providers.

15. Changes to this policy

We may update this policy from time to time. We will post the new version on this page and change the “Last updated” date. If we make material changes, we will provide any additional notice the law requires. We review this policy at least once a year.

16. Contact us

CheapEarthquakeInsurance.com is operated by Rebecca Byrom Insurance Agency, Inc. d/b/a Jump Insurance Services, California Insurance License #0L75450.

• Privacy requests and questions: agency.services@jumpins.com
• Phone: 858-295-7242
• Mail: 7960 Silverton Ave., Suite 202, San Diego, CA 92126
• Website: https://cheapearthquakeinsurance.com

If you have a disability and need this policy in another format, contact us using any of the methods above.