Privacy Policy

Effective date: September 29, 2026

Who We Are

Nucleus Insurance Agency is the business name of RL Health, a Wyoming corporation registered to do business in California (“Nucleus Insurance,” “we,” “us,” or “our”). We are a licensed insurance agency, California License #6005430, located in Escondido, California. This Privacy Policy explains how we collect, use, and share personal information through https://nucleusinsurance.com (the “Website”) and when you request a quote or buy insurance through us.

Information We Collect

• Contact information: name, email address, phone number, and mailing address.
• Quote and application information: business name and type, property addresses and details, number of residents or beds, payroll, revenue, prior insurance and claims history, vehicle and driver information (including driver’s license numbers when needed for auto quotes), date of birth, and other details insurance companies require to underwrite coverage.
• Payment information: when you pay online, card or bank details are collected and processed by our payment processor. We do not store full card numbers.
• Communications: emails, texts, messages, and notes from calls with us.
• Device and usage information: IP address, browser type, pages visited, and referring website, collected through cookies and similar technologies.

Where We Get Information

We collect information from you; from insurance companies, wholesale brokers, and managing general agents we work with; from consumer reporting agencies and similar sources when permitted by law, such as motor vehicle records, prior loss reports, and credit-based insurance scores; and from public records.

How We Use Information

• To respond to your requests and prepare quotes.
• To submit applications to insurance companies and to place, service, and renew your coverage.
• To help with claims, certificates of insurance, and policy changes.
• To communicate with you about your policies and insurance needs.
• To process payments.
• To operate and improve the Website and protect against fraud and spam.
• To comply with legal and regulatory requirements.

How We Share Information

We share personal information only as needed to serve you:

• Insurance companies, wholesale brokers, and managing general agents, to obtain quotes and place coverage.
• Premium finance companies, if you choose to finance your premium.
• Service providers that help us operate, such as website hosting, email, agency management software, and payment processing. They may use your information only to provide services to us.
• Government agencies, regulators, and others when required by law or to protect our rights and the safety of others.
• A successor in the event of a merger, acquisition, or sale of our agency.

We do not sell your personal information for money. As described under Advertising and Tracking Technologies, our advertising partners may collect information about your visits through cookies and pixels, which some state laws treat as “sharing” for cross-context behavioral advertising. We do not share information from your quote requests, applications, or policies with advertising partners, and we do not share it with unaffiliated third parties for their own marketing.

Text Messages

If you agree to receive text messages, we use your mobile number to send messages about your quote requests, policies, and our services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. We do not sell or share your mobile number or text messaging consent with third parties for their marketing purposes.

Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies that are needed for the Website to work, analytics cookies that help us understand how visitors use the Website, and advertising technologies described below. You can block or delete cookies in your browser settings, but some features may not work.

Advertising and Tracking Technologies

We use advertising tools, including the Meta Pixel and Google Ads remarketing tags, to measure how our ads perform and to show our ads to people who have visited the Website when they use other sites and apps. These tools may collect your IP address, device and browser identifiers, pages you view, and actions you take on the Website, such as clicking a button. Meta and Google may combine this with information they already have about you under their own privacy policies. These tools are configured so they do not receive the contents of our quote, application, or payment forms.

Your choices:

• Click Your Privacy Choices in the footer of any page to opt out of advertising cookies and the sharing of your information for cross-context behavioral advertising.
• We honor the Global Privacy Control (GPC) signal. If your browser sends it, we treat it as a request to opt out of advertising sharing for that browser.
• You can manage Google ad personalization at https://adssettings.google.com and Meta ad preferences in your Facebook or Instagram settings.
• You can opt out of interest-based ads from many companies at https://optout.aboutads.info and https://optout.networkadvertising.org.

Opt-outs are tied to the browser and device you use, so you may need to repeat them on each one. Opting out does not stop all ads; you may still see ads from us that are not based on your visits to the Website. Except as described for GPC, the Website does not respond to other “Do Not Track” browser signals.

Blog Comments

If you comment on our blog, we collect the information in the comment form, your IP address, and browser details to help detect spam. Comments may be screened by an automated spam detection service. A scrambled version of your email address (a hash) may be sent to the Gravatar service to display your profile picture. Gravatar’s privacy policy is at https://automattic.com/privacy/. Approved comments are public and remain posted until removed.

Embedded Content From Other Websites

Pages on the Website may include embedded content such as videos or maps. Embedded content behaves as if you visited the other website, which may collect data about you, use cookies, and track your interaction with that content.

How Long We Keep Information

We keep personal information as long as needed for the purposes in this policy and as required by insurance record-keeping laws, tax laws, and other legal obligations. After that, we delete or de-identify it.

How We Protect Information

We use reasonable administrative, technical, and physical safeguards, including encryption of information submitted through our forms. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your Privacy Rights

Under California insurance privacy law, you may request access to recorded personal information we hold about you in connection with an insurance transaction and ask us to correct, amend, or delete information you believe is inaccurate. California residents may also request information about disclosures of personal information to third parties for their direct marketing purposes; we do not make those disclosures. Depending on where you live, you may have additional rights to know, delete, or correct personal information and to opt out of the sharing of personal information for cross-context behavioral advertising. To make a request, contact us using the information below. We will verify your identity before responding and will not discriminate against you for exercising your rights.

Children

The Website is intended for adults 18 and older. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us information, contact us and we will delete it.

Changes to This Policy

We may update this Privacy Policy from time to time. The effective date above shows when it was last revised. Material changes will be posted on this page.

Contact Us

Nucleus Insurance Agency (RL Health), PO Box 1026, Escondido, CA 92033

Email: info@nucleusinsurance.com

Phone: (442) 226-8226

CA License #6005430