Effective Date: May 7, 2026
Last Updated: May 7, 2026

Capital Point Insurance (“we,” “us,” or “our”) is an independent insurance agency licensed in Washington, D.C., Maryland, and Virginia. We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, when we share it, your rights, and how to contact us with questions.

This policy applies to information collected through our website at www.capitalpointins.com and through our agency services.

Notice Under the Gramm-Leach-Bliley Act (GLBA)

As an insurance agency, Capital Point Insurance is a “financial institution” under the federal Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.). We are required to provide this notice describing our privacy practices regarding nonpublic personal information (“NPI”) about our customers and former customers.

The information we collect. We collect NPI from the following sources:

  • Information you provide on applications, quote requests, and other forms (name, address, phone, email, date of birth, Social Security number, household composition, employment, prior coverage, claims history, vehicle and property information).
  • Information about your transactions with us, our affiliates, or others (premium payment history, policies, claims).
  • Information from consumer reporting agencies (motor vehicle reports, credit-based insurance scores, prior loss history reports such as CLUE).

How we use it. We use NPI to evaluate your eligibility for coverage, present quotes, place and service insurance policies, process claims, and comply with legal obligations.

How we share it. We share NPI with insurance carriers to obtain quotes and place coverage on your behalf. We may also share NPI with service providers (such as IT vendors, premium finance companies, or claims administrators) under written agreements that restrict their use of the information. We do not sell your NPI to third parties for their marketing purposes. We do not share NPI with affiliates or non-affiliated third parties for joint marketing without your consent.

Your right to opt out. Under GLBA, you have the right to opt out of certain disclosures of your NPI. Because we do not share NPI with non-affiliated third parties for their own marketing purposes, no opt-out is required for our standard business practices. To request a copy of our full GLBA Privacy Notice or to update your preferences, contact us at info@capitalpointins.com or 301.468.9600.

Information We Collect

Information You Provide Directly

When you request a quote, file a claim, contact us, or use any of our services, we may collect:

  • Identity information: name, date of birth, Social Security number, driver’s license number
  • Contact information: address, email, phone number
  • Insurance-relevant information: vehicles owned, property details, claims history, prior coverage, coverage preferences
  • Payment information: bank account or credit card details for premium payments (encrypted in transit and at rest)
  • Business information: if you request commercial insurance, we may collect business name, EIN, revenue, employee count, and operations details

Information Collected Automatically

When you visit our website, we automatically collect:

  • Cookies and similar technologies. Small files stored on your device that help us recognize repeat visitors, remember preferences, and measure traffic. You may set your browser to refuse cookies, but some site features may not function correctly.
  • Log data. IP address, browser type, pages visited, referring URL, timestamps.
  • Analytics. We use third-party analytics services (such as Google Analytics) to understand how visitors use our website. These services may set their own cookies subject to their own privacy policies.

Information from Other Sources

To prepare insurance quotes and applications, we obtain information from:

  • Insurance carriers and reinsurers
  • Consumer reporting agencies (CLUE, motor vehicle reports, credit-based insurance scores)
  • State licensing and motor vehicle agencies
  • Other authorized parties involved in the insurance transaction

How We Use Your Information

We use the information we collect to:

  • Prepare insurance quotes and applications
  • Place and service your insurance policies
  • Communicate with you about coverage, claims, and renewals
  • Process payments and refunds
  • Comply with applicable laws and regulations, including state insurance laws
  • Detect and prevent fraud
  • Improve our website and services
  • Send service announcements and educational content (you may unsubscribe from marketing emails at any time)

Information Sharing

We share personal information only in these circumstances:

  • With insurance carriers we represent, in order to obtain quotes and place coverage on your behalf.
  • With service providers who help us operate our business (premium finance companies, IT vendors, claims administrators, payment processors). These providers are bound by written agreements to use your information only as necessary to perform their services.
  • With your consent for any other disclosure not described in this policy.
  • To comply with law or respond to valid legal process (subpoenas, court orders, regulatory inquiries).
  • To protect rights and safety when we believe disclosure is necessary to investigate fraud, enforce our agreements, or prevent imminent harm.
  • In a business transition such as a merger, acquisition, or sale of assets, in which case affected customers will be notified before their information becomes subject to a different privacy policy.

We do not sell your personal information.

Data Retention

We retain your personal information for as long as necessary to:

  • Provide the insurance services you’ve requested
  • Comply with legal, regulatory, and recordkeeping requirements (typically 7+ years for insurance records under state law)
  • Resolve disputes and enforce agreements

When information is no longer needed for these purposes, we securely delete or anonymize it.

Information Security

We implement reasonable physical, electronic, and procedural safeguards to protect personal information against loss, theft, unauthorized access, alteration, and destruction. These safeguards include encryption of sensitive data in transit and at rest, restricted internal access, employee confidentiality obligations, and routine reviews of our practices.

No method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Breach Notification

In the event of a security incident affecting your personal information, we will notify you and applicable regulators in accordance with state and federal breach-notification laws.

Your Rights and Choices

Access, Correction, and Deletion

You may request access to, correction of, or deletion of your personal information by contacting us at info@capitalpointins.com or 301.468.9600. We will respond within 30 days, subject to verification of your identity and exceptions for information we are required to retain by law.

Marketing Communications

You may unsubscribe from marketing emails at any time using the unsubscribe link in any marketing message, or by contacting us. Note that we may still send you transactional communications (renewal notices, claim updates, billing) regardless of your marketing preferences.

Cookies

You may disable cookies through your browser settings. Disabling cookies may affect the functionality of our website.

Do Not Track

Our website does not currently respond to “Do Not Track” browser signals due to the lack of an industry standard for honoring such signals.

California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act and California Privacy Rights Act:

  • Right to know what personal information we have collected about you, including categories, sources, business purposes, and third parties with whom we share it.
  • Right to delete personal information we have collected, subject to legal exceptions.
  • Right to correct inaccurate personal information.
  • Right to opt out of the sale or sharing of personal information. Capital Point Insurance does not sell or share personal information as defined under CCPA/CPRA.
  • Right to limit use of sensitive personal information to specified business purposes.
  • Right to non-discrimination for exercising these rights.

To exercise any of these rights, contact us at info@capitalpointins.com or 301.468.9600. We may need to verify your identity before fulfilling your request.

Virginia Privacy Rights (CDPA)

If you are a Virginia resident, you have rights under the Virginia Consumer Data Protection Act, including the right to access, correct, delete, obtain a portable copy of, and opt out of certain processing of your personal data. To exercise these rights, contact us at the information above.

Children’s Privacy (COPPA)

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

Third-Party Websites

Our website may contain links to third-party websites operated by other companies. This Privacy Policy applies only to our website. We are not responsible for the privacy practices of third-party sites. We encourage you to review the privacy policy of any third-party site you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Material changes will be communicated through our website and, where required, by direct notice to affected individuals. Your continued use of our services after the effective date of any change constitutes your acceptance of the revised policy.

Contact Us

If you have questions, complaints, or requests regarding this Privacy Policy or your personal information, please contact us:

Capital Point Insurance
10220 River Rd #207
Potomac, MD 20854
Phone: 301.468.9600
Email: info@capitalpointins.com