Privacy Policy

Last Updated: August 25, 2026

Gil Garden Avetrani Insurance Group, LLC, doing business as GGA Insurance & Bonds (“GGA,” “we,” “us,” or “our”), respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, use, disclose, retain and protect personal information obtained through our website at https://ggainsurancegroup.com/, contact and consultation forms, telephone calls, text messages, emails, insurance and surety bond inquiries, online advertising and lead-generation platforms, social media, employment inquiries, business relationships and other online or offline interactions.

This Privacy Policy provides general notice of our information practices. It does not independently create consent for any activity requiring separate authorization or affirmative consent under applicable law.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected directly by GGA and information we may receive from:

Insurance carriers and surety companies
Wholesale brokers and managing general agents
Service providers and professional advisers
Advertising and social-media platforms
Lead-generation and referral sources
Consumer-reporting agencies
Governmental and public-record sources
Current and prospective clients
Other parties involved in providing insurance, bond, risk-management or related services

This policy applies to website visitors, prospective and current clients, policyholders, insureds, applicants, claimants, business representatives, employment applicants and others who interact with GGA.

Certain insurance transactions may be subject to additional privacy notices, authorizations, applications, carrier disclosures or policy terms. This website Privacy Policy supplements and does not replace any separate notice that GGA, an insurance carrier, a surety company or another financial institution may provide as required by law.

2. Information We Collect

The information we collect depends on the services requested and how you interact with GGA.

Information You Provide

We may collect information you voluntarily provide, including:

Name
Company or organization name
Job title or business role
Email address
Telephone or mobile number
Mailing, business, property or service address
Type of insurance, bond or service requested
Business operations and industry information
Project, contract or bond information
Property, vehicle, equipment or asset information
Payroll, revenue and employee information
Current and prior insurance information
Coverage requirements, policy limits and deductibles
Claims, accident and loss-history information
Ownership, management and professional-license information
Financial or credit-related information relevant to underwriting or bonding
Photographs, applications, schedules, loss runs, contracts, financial statements and other documents
Information submitted through a contact, consultation or quote-request form
Messages, questions and correspondence
Any other information you voluntarily provide

Depending on the product or service requested, insurance carriers, surety companies or other authorized parties may require additional information, such as a date of birth, driver’s license number, taxpayer or employer identification number, Social Security number, financial information, health information or other underwriting information.

Please do not submit Social Security numbers, financial-account credentials, medical information or other highly sensitive information through a general website form unless GGA specifically requests it through an authorized and appropriate method.

Form-Submission and Technical Information

When you visit our website or submit a form, our systems and service providers may automatically collect and retain:

Internet Protocol address
Date and time of access or submission
Page or form used
Referring website, search engine, advertisement or campaign
Browser type and version
Device type and identifiers
Operating system
General location derived from your Internet Protocol address
Pages viewed and website interactions
Links, buttons or telephone numbers selected
Cookie and similar technology identifiers
Advertising and campaign identifiers
Diagnostic, performance, error and security information
Information used to identify or prevent spam, fraud and misuse

An Internet Protocol address and related metadata may be stored with a website form submission. We may use this information for security, recordkeeping, website administration, fraud prevention, lead attribution and marketing-performance measurement.

Information From Advertising and Lead Platforms

When you respond to an advertisement, submit a lead form, request a quote, send a message or call GGA through a third-party platform, we may receive:

Name and contact information
Company name
Insurance, bond or service requested
Preferred method of contact
Appointment or scheduling preferences
Responses to lead-qualification questions
Messages submitted through the platform
Advertising campaign and lead-source information
Call, message, quote or booking information
Other information you authorize the platform to provide

Third-party platforms may collect and process information under their own privacy policies before providing it to GGA.

3. Information From Insurance and Other Sources

In connection with an insurance, surety bond, risk-management or related request, we may receive information from:

Insurance carriers and surety companies
Wholesale brokers and managing general agents
Current or former insurance agents
Policyholders, insureds and applicants
Employers and business representatives
Contractors, project owners and obligees
Claims administrators, adjusters and investigators
Inspection and risk-management providers
Premium-finance companies and payment providers
Consumer-reporting agencies
Motor-vehicle and governmental records
Public records and commercially available databases
Referral partners and professional advisers
Other parties authorized by you or permitted by law

Information obtained from these sources may include policy history, claims and loss history, driving records, property information, credit-based insurance information, business records, financial information, professional qualifications and other information relevant to evaluating an application, obtaining a quote, issuing or servicing coverage, underwriting a risk, providing a bond or handling a claim.

Where required by law, consumer reports, investigative consumer reports, motor-vehicle records, health information and similar information will be obtained or used subject to applicable notices, authorizations and restrictions.

4. Insurance and Financial Information

As part of providing insurance and surety bond services, GGA may collect or process nonpublic personal information or similar information protected under federal or state financial and insurance privacy laws.

This information may include:

Information supplied on an application or insurance document
Information concerning policies, premiums, coverage and payment history
Information arising from insurance or bond transactions
Claims, losses and accident information
Financial information used for underwriting or bonding
Credit-based insurance information where legally permitted
Health or medical information relevant to a requested insurance product
Information received from carriers, surety companies, consumer-reporting agencies or other authorized sources

GGA uses and discloses this information only as permitted by applicable law and as reasonably necessary to quote, place, underwrite, administer, service, renew or replace insurance and surety products; process transactions; assist with claims; prevent fraud; comply with regulatory requirements; or perform other authorized insurance functions.

GGA, its carriers or other financial institutions may provide additional privacy notices describing practices applicable to particular insurance or financial relationships.

5. Employment and Applicant Information

If you inquire about employment or submit an application, résumé or related materials, we may collect:

Name and contact information
Address and other identifying information
Employment history
Education and training
Professional qualifications
Licenses and certifications
References
Information contained in your résumé, application or cover letter
Information provided during interviews or other communications
Driving qualifications where relevant to the position
Other information reasonably necessary to evaluate your qualifications

We may use employment information for recruiting, applicant evaluation, interviews, hiring decisions, background screening where legally permitted, recordkeeping and compliance with applicable employment laws.

Additional notices, disclosures or authorizations may be provided during the hiring process. Please do not submit sensitive personal information through a general website contact form unless it is specifically requested through an appropriate application process.

6. Cookies and Similar Technologies

Our website and service providers may use cookies, pixels, tags, scripts, web beacons, local storage, device identifiers and similar technologies.

These technologies may be used to:

Operate website features
Remember preferences
Maintain website security
Prevent spam, fraud and malicious activity
Understand how visitors use the website
Measure traffic and website performance
Identify errors or technical problems
Determine how visitors reached the website
Attribute calls, forms and inquiries to marketing sources
Measure advertising conversions
Create or measure advertising audiences
Provide or measure relevant advertising
Limit repeated advertisements
Improve website content and usability

Cookies and similar technologies may be placed by GGA or by service providers acting on our behalf.

Most browsers allow users to block or delete cookies. Blocking certain technologies may affect website operation. Where applicable law requires consent or an opt-out mechanism, we will provide the legally required choices.

7. Analytics, SEO, Advertising and Lead-Generation Technologies

GGA may use search-engine optimization, website analytics, paid-search advertising, social-media advertising, lead generation, remarketing, call tracking, conversion measurement and campaign-attribution services directly or through service providers.

Depending on the services and technologies currently enabled, these may include:

Google Analytics
Google Tag Manager
Google Search Console
Google Ads and paid-search advertising
Google Ads conversion tracking
Google Ads enhanced conversions
Google Ads remarketing
Google Local Services Ads
Google Business Profile
Meta Pixel
Meta Conversions API
Facebook and Instagram advertising
LinkedIn and other social-media advertising
Customer Match and Custom Audiences
Call-tracking and dynamic-number-insertion services
Search-engine optimization and reporting tools
Online directories and lead-generation platforms
Customer-relationship and lead-management systems
Website analytics and session-measurement tools
Other advertising, analytics and marketing platforms

These services may process:

Internet Protocol addresses
Cookie and device identifiers
Website activity
Advertisement and search interactions
Referring sources
Form submissions
Conversion events
Call and message metadata
Campaign identifiers
General geographic information
Hashed contact information
Other technical and lead-attribution information

We and our service providers may use this information to:

Measure website and search performance
Understand how visitors find and use the website
Attribute inquiries to search results, advertisements and campaigns
Determine whether campaigns generate calls, forms or consultations
Improve website content and marketing campaigns
Create, manage or exclude advertising audiences
Provide or measure interest-based advertising
Detect invalid traffic and fraudulent activity
Produce aggregated performance reports

The inclusion of a platform or technology in this Privacy Policy does not necessarily mean it is active at all times. Services may be added, removed or changed as GGA’s website and marketing activities develop.

Certain providers may process information under both their agreements with us and their own privacy policies.

Audience Matching and Enhanced Conversions

Where used, GGA or a service provider acting on our behalf may provide limited first-party information to an advertising platform for conversion measurement, campaign attribution, audience matching or advertising optimization.

This information may include a name, email address, telephone number or address. Before transmission, the information may be transformed into a hashed format intended to reduce direct identifiability during transmission.

Advertising platforms may compare this information with information associated with their users to measure conversions, manage audiences, improve attribution, exclude certain audiences or produce aggregated advertising reports.

8. Call Tracking, Calls and Messages

GGA and its service providers may use call-tracking numbers or dynamic-number-insertion technology to determine which website pages, search results, advertisements or campaigns generated a telephone inquiry.

Call-tracking systems may collect:

Caller telephone number
Date and time of the call
Call duration and status
Advertising or referral source
General caller location
Call-routing information
Disposition or outcome information
Other call-related metadata

Google Local Services Ads and similar platforms may maintain records of calls, messages, quote requests, bookings and other lead interactions under their own terms and privacy practices.

Call Recording

GGA will not record telephone calls without providing notice and obtaining consent where required by applicable law. If call recording is used, callers may receive an audible or other appropriate notice and may be asked to consent before recording begins.

This Privacy Policy does not independently constitute consent to call recording.

Business Communications

If you provide a telephone number or email address, we may use it to:

Respond to your inquiry
Discuss insurance, surety bond or risk-management needs
Request information needed to obtain a quote
Provide or follow up on a quote, application or proposal
Communicate about underwriting requirements
Service or renew an insurance policy or bond
Assist with certificates, claims or other service requests
Schedule an appointment
Provide operational, account, payment or regulatory notices
Communicate concerning an existing business relationship

Providing a telephone number authorizes GGA to contact you regarding the inquiry, application, transaction or service request for which it was provided, subject to applicable law. It does not, by itself, enroll you in an unrelated recurring promotional text-message program.

If GGA offers recurring promotional text messages, automated promotional calls or email marketing, we will obtain any separate consent required by applicable law.

Opting out of promotional communications will not prevent GGA from sending nonpromotional communications concerning an application, quote, policy, bond, claim, transaction, payment, legal notice or ongoing business relationship.

We do not sell mobile telephone numbers or text-message consent information. We do not share mobile opt-in information with unaffiliated third parties for their independent marketing purposes.

9. How We Use Information

We may use personal information to:

Respond to inquiries and consultation requests
Identify insurance, bond and risk-management needs
Obtain quotes from carriers, sureties and other markets
Evaluate eligibility and underwriting requirements
Prepare and process applications
Place, issue, administer, renew, replace or cancel policies and bonds
Provide policy, certificate, billing and account services
Assist with claims and loss-related matters
Conduct risk assessments, site visits and safety reviews
Communicate with clients, applicants, insureds and business representatives
Process transactions and payments
Maintain client, policy, bond, claims and business records
Detect or prevent fraud, misrepresentation and unlawful activity
Verify identity, authority and submitted information
Operate, maintain and improve our website
Measure website, SEO and advertising performance
Attribute inquiries to marketing sources
Improve website content and marketing campaigns
Provide customer and technical support
Evaluate employment applicants
Establish, exercise or defend legal claims
Enforce agreements and policies
Comply with insurance, financial, contractual, regulatory and legal obligations
Carry out a purpose disclosed when information is collected
Carry out another purpose with your direction or consent

We may use aggregated or deidentified information for analytics, reporting, business planning, risk analysis and other lawful purposes.

10. How We Disclose Information

We may disclose personal information in the following circumstances.

Insurance and Surety Transactions

We may disclose relevant information to:

Insurance carriers
Surety companies
Wholesale brokers
Managing general agents
Underwriters and reinsurers
Claims administrators and adjusters
Premium auditors
Inspection and risk-management providers
Premium-finance companies
Contractors, project owners and obligees
Other parties reasonably necessary to complete or service a requested transaction

Technology and Marketing Providers

We may disclose information to providers supporting:

Website hosting, development and maintenance
Form processing and data storage
Search-engine optimization
Analytics and reporting
Paid-search and social-media advertising
Conversion measurement and campaign attribution
Call tracking
Customer-relationship and agency-management systems
Email and text communications
Cybersecurity and spam prevention
Document management and electronic signatures
Payment processing
Data backup and technical support

These providers may process information on our behalf to perform contracted services.

Professional and Regulatory Parties

We may disclose information to:

Attorneys, accountants, auditors and consultants
Financial institutions and payment processors
Insurance regulators and licensing authorities
Law-enforcement and governmental entities
Consumer-reporting agencies where permitted
Fraud-prevention and investigative services
Other professional advisers or authorized representatives

Advertising and Social-Media Platforms

We may disclose limited information to advertising and social-media platforms for conversion measurement, campaign attribution, audience matching, remarketing, campaign optimization, fraud prevention, advertising delivery and reporting.

Where required by applicable law, we will provide legally applicable choices concerning these activities.

Legal and Safety Purposes

We may disclose information when reasonably necessary to:

Comply with law, regulation or legal process
Respond to a subpoena, court order or governmental request
Meet insurance reporting, examination or audit requirements
Detect or investigate fraud or unlawful activity
Protect the rights, safety or property of GGA or others
Enforce an agreement or policy
Establish, exercise or defend a legal claim

Business Transactions

Information may be disclosed or transferred in connection with a merger, acquisition, financing, restructuring, bankruptcy, sale of assets or other business transaction, subject to applicable insurance and privacy laws.

With Your Direction or Consent

We may disclose information when you direct or authorize us to do so.

11. Sale, Sharing and Targeted Advertising

GGA does not sell personal information for monetary payment in the conventional meaning of the term “sell.”

Some privacy laws define “sale,” “sharing” or “targeted advertising” broadly enough to include certain uses of advertising cookies, pixels, audience-matching technologies or cross-context behavioral advertising.

To the extent an applicable law applies to GGA and treats a particular activity as a sale, sharing or targeted advertising, eligible individuals may request to opt out by using any privacy-choice method made available on our website or by contacting us.

GGA does not knowingly sell:

Nonpublic personal financial information
Health or medical information
Social Security numbers
Financial-account credentials
Employment-applicant information
Mobile opt-in or text-message consent information
Personal information belonging to children under 13

Information disclosed to insurance carriers, surety companies, underwriters and service providers as necessary to obtain or service a requested product is not disclosed for unrelated independent marketing unless separately authorized or otherwise permitted by law.

12. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purpose for which it was collected or another lawful business purpose.

Retention periods may depend on:

The nature and sensitivity of the information
Insurance and surety recordkeeping requirements
The duration of a client, policy or business relationship
Policy, bond, underwriting and claims obligations
Contractual and carrier requirements
Tax, accounting, audit and insurance requirements
Applicable statutes of limitation
Regulatory examinations or investigations
Fraud-prevention and security needs
Pending or reasonably anticipated disputes
Litigation holds

When information is no longer reasonably necessary, we may delete, anonymize or securely dispose of it, subject to legal, regulatory, archival and backup requirements.

13. Data Security and Security Incidents

GGA uses reasonable administrative, technical and physical safeguards intended to protect personal information against unauthorized access, misuse, loss, alteration or disclosure.

However, no website, form, email transmission, telephone system, database or electronic-storage method can be guaranteed to be completely secure. We cannot guarantee absolute security.

If a security incident affects information maintained by GGA, we will investigate and provide notifications to affected individuals, insurance regulators or governmental authorities when required by applicable law.

If you believe information provided to GGA may have been compromised, please contact us promptly.

14. Privacy Rights and Choices

Depending on your place of residence, the type of information involved and whether an applicable law applies to GGA, you may have the right to request:

Access to certain personal information
Correction of inaccurate information
Deletion of certain information
A portable copy of certain information
Withdrawal of consent where processing depends on consent
Opt-out from certain sales, sharing or targeted advertising
Review of a decision concerning a privacy request

These rights are not absolute. Insurance, financial and other laws may permit or require GGA to retain or continue processing information to:

Complete an insurance or surety transaction
Provide a requested product or service
Service or administer a policy, bond or claim
Perform a contract
Maintain required insurance and business records
Detect or prevent fraud
Protect security
Comply with legal or regulatory obligations
Establish, exercise or defend legal claims

To submit a request, contact us using the information at the end of this Privacy Policy and provide sufficient information for us to understand and evaluate the request.

We may take reasonable steps to verify your identity and authority. Where legally permitted, an authorized agent may submit a request on your behalf. We may request proof of authorization and contact you directly to verify the request.

We will not unlawfully discriminate against an individual for exercising an applicable privacy right.

Cookie and Advertising Choices

You may be able to control certain cookies and advertising technologies by:

Adjusting your browser settings
Deleting stored cookies
Using any cookie-preference tool available on our website
Adjusting advertising preferences through Google, Meta or other platforms
Contacting GGA to submit an applicable privacy request

Some browsers provide “Do Not Track” or other browser-based privacy signals. Because there is no universally accepted standard governing every Do Not Track signal, our website may not respond to all such signals. Where required by applicable law, we will process legally recognized opt-out preference signals as prescribed by that law.

15. Children’s Privacy

Our website and services are not directed toward children under 13, and we do not knowingly collect personal information online directly from children under 13.

Information concerning minors may occasionally be provided by a parent, guardian, policyholder or authorized applicant when reasonably necessary for an insurance transaction. Such information will be handled in accordance with applicable insurance and privacy laws.

If we learn that a child under 13 submitted personal information directly through our website without appropriate authorization, we will take reasonable steps to delete it.

16. Third-Party Websites and Platforms

Our website may contain links to or integrations with insurance carriers, payment services, advertising platforms, social-media platforms, maps and other third-party resources.

Third-party websites and platforms operate under their own privacy policies and terms. GGA does not control and is not responsible for their independent privacy or security practices.

We encourage visitors to review the applicable third-party privacy policy before submitting information through an external website or platform.

17. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our website, services, business operations, information practices, marketing technologies, service providers or legal and regulatory obligations.

We will revise the “Last Updated” date when changes are published. When required by law, we will provide additional notice or obtain consent before using previously collected information for a materially different purpose.

18. Contact Us

Questions, concerns and privacy requests may be directed to:

Gil Garden Avetrani Insurance Group, LLC
d/b/a GGA Insurance & Bonds
10689 N. Kendall Drive, Suite 208
Miami, Florida 33176

Telephone: 800-442-7919
General Email: info@ggaig.com
Additional Contact: hechemendia@ggaig.com
Website: https://ggainsurancegroup.com/

Please use “Privacy Request” as the subject line of an email concerning your personal information.