Privacy Policy

Effective Date: 7/10/2025

At Carsaro & Associates LLC DBA Kalare ("Kalare," "we," "us," or "our"), your privacy is important to us. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you interact with our website, services, and communications.

1. Information We Collect

We may collect the following types of personal information from you when you visit our website, submit a quote request, or contact us for services:

Contact Information: Name, phone number, email address, and mailing address
Identification Information: Date of birth, driver’s license number, social security number (if required)
Insurance Details: Vehicle information, home details, business information, prior insurance history
Payment Information: Billing address, credit card details or bank information (only when required to process payments)
Website Usage: IP address, browser type, device data, and pages visited through cookies or analytics tools
Communication Preferences: Your opt-in choices for receiving calls, emails, or SMS messages

2. How We Use Your Information

To provide insurance quotes and policy recommendations
To process applications and service your insurance policies
To contact you regarding your insurance needs and preferences
To improve our website functionality and user experience
To comply with legal, regulatory, or audit requirements
To offer you updates, promotions, or information (only if you’ve opted in)

3. Who We Share Your Information With

We only share your personal information with trusted third parties as needed to deliver our services, including:

Insurance carriers and underwriters for quoting and policy issuance
Regulatory bodies or auditors when required by law
Third-party service providers who assist us in operating our business (e.g., technology vendors, CRM providers) — all of whom are contractually bound to maintain confidentiality

SMS consent is not shared with third parties. Your phone number and opt-in status for SMS messages will never be sold or disclosed to unaffiliated third parties.

4. How We Protect Your Information

We use industry-standard security protocols to safeguard your personal data, including encryption, secure servers, access controls, and staff training. While no system is 100% secure, we take reasonable measures to protect your data from unauthorized access, disclosure, or misuse.

5. Your Choices and Rights

You may opt out of marketing communications at any time by clicking the "unsubscribe" link in our emails or replying "STOP" to SMS messages.
You can request access, correction, or deletion of your personal data by contacting us.
You can disable cookies through your browser settings, although this may affect website functionality.

6. Policy Updates

We may update this Privacy Policy from time to time. When we do, we will revise the “Effective Date” at the top. Your continued use of our services after changes have been posted constitutes your acceptance of the revised policy.

7. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Carsaro & Associates LLC DBA Kalare
500 Mamaroneck Avenue, Suite 320
Email: info@kalaretech.com
Phone: 914-292-4425

SMS Terms & Conditions

By providing your mobile number and opting in, you agree to receive SMS messages from Carsaro & Associates LLC DBA Kalare related to your insurance account and services. Message types may include: