Privacy Policy

Terms of Use for USA Business Insurance Services:

This Privacy Statement was last modified on: 2/23/2023


USA Business Insurance Services, Inc., does business as American Liability Insurance in California. This Privacy Statement  describes   our information processing practices in relation to you and your personal data as well as   the types of information we, may collect when you visit our website, as well as our practice for using, maintaining, storing, and disclosing information you provide to us, including Personally Identifiable Information (“Personal Data”).  This Privacy Statement also applies to any personal or other information we collect about you from other sources, subject to applicable local law.  This Privacy Statement does not apply to any other website operated by us or to any website operated by any third party, including any application or content (including advertising) that may link to or be accessible from or on the Website.  This Privacy Statement is additional to and does not supplant or supersede our Terms of Use, which can be found on our website.

In this Privacy Statement, references to “you” mean any person submitting any data, personal or otherwise, on this Website.  In this Privacy Statement, Website also refers to our mobile applications, as well as future iterations of our Website and mobile applications.  The term “Services” means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed this Privacy Statement.

Please read this Privacy Statement carefully.  If any term in this Privacy Statement is unacceptable to you, please do not use the Website or provide us with any Personal Data.  By accessing or using this Website or our Services, you signify your acknowledgment and consent to the terms of this Privacy Statement and our Terms of Use.  This includes your consent to us placing cookies on your devices, as described below in our Cookie Policy.

This Privacy Statement may change from time to time.  Visiting this Website or using our Services after we make any changes to this Privacy Statement will be considered to be an acceptance and consent of those changes.  Please check this Privacy Statement periodically for updates.

What is Personal Data?

Personal Data is generally defined as any representation of information that permits the identity of an individual to whom the information applies to be reasonably inferred by either direct or indirect means. Personal Data may include information: (i) that directly identifies an individual (e.g., name, address, social security number or other identifying number or code, telephone number, email address, etc.) or (ii) by which an organization intends to identify specific individuals in conjunction with other data elements, i.e., indirect identification. (These data elements may include a combination of gender, race, birth date, geographic indicator, and/or other descriptors). Additionally, information permitting the physical or online contacting of a specific individual is the same as Personal Data. This information can be maintained in any form.

Collection of Your Information

(a) Information you provide directly to us

We may collect Personal Data in order to underwrite, sell, solicit, and negotiate insurance products and services.  This includes:

You must only submit to us or the Website information and Personal Data which is accurate and not misleading, and you must keep it up to date and inform us of any changes.   For any Personal Data you provide, we are authorized to collect or verify the same or similar information from our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicle and driver licensing, financial institutions, healthcare providers, and other sources.

(b) Personal Data we collect automatically

When you visit our Website, we may automatically collect certain information, which may also be categorized as Personal Data.  This includes your IP address, the date and time you accessed our Services, the hardware, software or internet browser you use and information about your computer’s operating system.  We might also collect information about clicks, which pages you have been browsing, and any information you have provided us in connection with shopping for or configuring insurance quotes.

(c) Personal Data you provide about other individuals

If you provide Personal Data about other individuals, such as your employees or dependents, you must first obtain their consent.  By providing us with Personal Data of a third party, you hereby represent that you have provided notice to that third party and have obtained his or her consent.  You must provide only accurate information, and refrain from providing information that is not necessary or requested.

When you provide us with personal and other information, you consent to our collection, use, storage, and disclosure of this information to appropriate third parties for the purposes described herein and within our terms of use and Cookies Policy (below).

(d) Mobile devices

If you connect to our Services with your mobile device, we may collect certain information automatically, including but not limited to your mobile device’s unique device identification, IP address, mobile operating system, internet browsers in use, and location.  We also may collect information about the way you use our Services.  Should you choose to provide us with your mobile phone number, you consent to the use of your number for the purposes identified in our Terms of Use.  If you choose to receive text or other notifications from us on your mobile device, you also consent to the use of your phone number for that purpose.

(e) Public Forums

In providing you with an insurance quote, we may search across various public Internet sources about you or your company.  Based on this search, we reserves the right to adjust your quoted insurance premiums and will bear no liability for the content’s accuracy, suitability, legality, or offensiveness.  We bear no responsibility or obligation to monitor user-generated content, but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever.  Should you encounter any issues with user-generated content, please contact us immediately.

How We Use Your Personal Data

We collects information from you, including Personal Data, for a variety of purposes, as described below (collectively. “Purposes”).  This may include to:


With Whom Do We Share Your personal Data

We may rent or sell your Personal Data we collect if we are unable to assist you with your insurance needs.   We may disclose your information, including Personal Data

By providing Personal Data, including sensitive information, to us, you consent to the types of disclosures or data transfers outlined in this Privacy Statement.

The Period For Which Your Personal Data Will Be Stored By Us

We retain your data so long as necessary to fulfill the Purposes for which it was collected, unless a shorter retention period is otherwise agreed to by contract. We may hold onto your data for a longer retention period if it is necessary to meet regulatory or legal requirements, enforce our Terms of Service, or prevent fraud or abuse.

Data Security

We take steps to protect your information from unauthorized access. While we take reasonable measures to protect the information you submit via the website against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee its absolute security. No internet, email, or mobile application transmission is ever fully secure or error free. Email or other messages sent through the website may not be secure. You should use caution whenever submitting information through email or the website and take special care in deciding which information you provide us. Revisions To Our Privacy Statement

We reserve the right to change this Privacy Statement at any time. Any changes we make will be posted on this Website. If we make material changes to how we treat your Personal Data, we will notify you by e-mail to the e-mail address provided by you or through a notice on the Website home page. The date of this Privacy Statement was last revised is identified at the top of the page. You are responsible for periodically monitoring and reviewing any updates to this Privacy Statement. Your continued use of our Website after such amendments will be deemed your acknowledgement and consent of these changes to this Privacy Statement.

Third party Links

We may include on our Website links to other websites containing third party products or services. Please note that this Privacy Statement does not apply to those websites or services. We encourage you to read the privacy statements and terms and conditions of any linked or referenced websites you enter. These third party websites may use their own cookies and tracking devices, log your IP address, and otherwise collect data or solicit your Personal Data. We claim no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Website and welcome any feedback about these sites.

Do Not Track

Because a “Do Not Track” (DNT) standard has not yet been adopted, we do not currently respond to DNT signals.

Your Rights With Regard To Your Personal Data

We provide you with the opportunity to opt-out of receiving email or telephone communications from us, our business partners, and third party survey vendors. To opt-out of receiving these communications, please contact us at the email or postal address listed in this Privacy Statement below.

Accessing and Updating Your Information

We attempt to maintain reasonably accurate and complete records containing your Personal Data and other information.  If you signed up for electronic communications from us, you can unsubscribe at any time, as we advise in the instructions included in that communication.  Likewise, if you elected to receive push notifications through your mobile device, you can stop them by changing your preferences through your device or application settings.  You may also uninstall our application through your mobile device’s uninstall process if you no longer wish for the mobile application to collect information or be on your device.  As described in our Cookie Policy, you may modify your web browser settings to accept or refuse cookies.

You may also contact us via e-mail or the postal address listed in the Contact Us section at the bottom of this Privacy Statement.  Please provide your current contact information, describe the information you want to access, and your requested changes.  We will provide you access to the Personal Data requested, subject to reasonable limitations provided by law, and unless it violates third party privacy.  Should we be unable to provide you with access requested, we will tell you why that is the case.

Our Cookie Policy

This Cookie Policy is part of our Terms of Use and Privacy Statement and is incorporated therein by reference.  By using Our Services, you agree that we can place cookies on your device as described herein.

We collect information about how you use our Website by using cookies.  A cookie is a small text file, generated by a website, that is stored in the website user’s internet browser or computer or mobile device hard drive, on a temporary or permanent basis.  Cookies allow a website to identify a user’s device whenever that user returns to the website.  This provides the user with a more stable and enriching experience, and allows a website owner to gather usage information.  You can find more detailed information about cookies and how they work at

You can configure your internet browser preferences to limit the acceptance and storage of cookies, but blocking all cookies may severely limit your browsing experience on our and other websites.

We may also utilize web beacons and similar tracking technologies to gather information about your interactions with our websites.  A web beacon is a one-pixel usually-transparent electronic image inserted in web content or email messages. It passes information about pages and content viewed by our Website users.

Our Cookie Use

Cookies allow us to identify a user’s device when that user returns to our Website and to run its Services more efficiently by providing a more stable experience custom to each user.

Cookies also may provide us with information about its users and enable us to compile aggregate user statistics.

The cookies we use vary.  Some of the cookies we use are necessary to allow users to navigate secure areas containing content for registered users.  We also use functional cookies to gather information about user choices such as language, region, or other settings.  Information gleaned from these functional cookies is usually anonymized and not used for non-functional purposes.

We use analytical services to determine the effectiveness of our content, what interests our users, and the functionality of our Services.  We also use web beacons-which are usually one- pixel electronic images inserted in web content or email messages, tracking pixels, and similar technologies to understand more about Website visitors and count visitor numbers.

We utilize performance cookies to track how many individual users visit our Website and how often they do so. While information gathered through web beacons, tracking pixels, and performance cookies are generally not used to personally identify any user, such data may be combined with other information to analyze personal website user information.

This Website does not utilize targeting cookies, which deliver targeted advertising.  However, third party websites on which we may advertise may use these cookies to track the success of those advertising campaigns.  We may use web beacons to decipher which users arrived at our website after viewing an advertisement on such a third party website.  We do not glean Personal Data from the use of web beacons, but rather uses this technology to gauge the effectiveness of our ads and compile aggregated data about Website users.  Web beacons may also work in concert with cookies on your device to monitor activity.  You cannot block web beacons, and because they are not installed on your device, you cannot remove them.

However you can remove and block the cookies on which web beacons rely to glean information about your user activity.

Your control over cookies

You can control and manage your cookies in various ways.  You can control whether you block or accept cookies by modifying your internet browser settings, including the selection of “do not track” options.  You can accept all cookies, be notified when a cookie is sent, or reject all cookies.  Most browsers also allow you to individually delete cookies, though this may cause you to lose preferences you set for various websites.  Note that removing or blocking cookies may impair your user experience and prevent access to portions of our Website.  Our Web beacons will still function without cookies, but will only record that the Website was anonymously visited.  For more information about how to modify your browser settings to block or filter cookies, see

You can opt-out of having your anonymized browsing activity within websites recorded by analytics cookies.

A local shared object or flash cookie is similar to other cookies except that it can store additional information.  These cookies cannot be filtered using the browser settings as described above.  Some parts of our Website use flash cookies to store preferences for media player functionality.  Some video content may not play properly without these cookies.  These cookies can be controlled manually by visiting the Adobe website.

International Users

We and this Website are based in the United States.  We only offer insurance to United States residents. By using the Website, you consent to this collection, transfer, storage, and processing of information in the United States in accordance with the foregoing.

We Do Not Intend to Collect Information of Children

We understand the importance at protecting the privacy of children.  Our Website is not intentionally designed for or directed at children under 18 years of age, and we do not knowingly collect personal information from children on our Website.  No one under the age of 13 may provide any information, personal or otherwise, to or on our Website.  If we learn we have collected or received Personal Data from a child under 18 without verification of parental consent, we will delete that information immediately.  If you  believe we might have any information from or about a child under 18, please contact us at the postal or email address listed in this Privacy Statement.

California Privacy Rights

Residents of the State of California have the right to request from certain businesses with whom the California resident has an established business relationship a list of all third-parties to which the Company, during the immediately preceding calendar year, has disclosed certain Personal Data for direct marketing purposes.  We are only required to respond to a customer request once during any calendar year.  To obtain this information, you should mail a request to 1419 N. San Fernando Blvd Suite 210 Burbank CA 91504 with the subject heading “California Privacy Rights.”  In your request, please attest to the fact that you are a California resident and provide a current California address for our response.  Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

Contact Us

If you have any questions relating to this Statement or your Personal Data that we maintain, or wish to change the specific Personal Data you have provided, please contact us at USA Business Insurance Services, Inc., 1419 N. San Fernando Blvd Suite 210 Burbank CA 91504