Privacy Policy 
Last Updated On Mar 11, 2026
Effective Date Jul 27, 2025 
 
This Privacy Policy describes the policies of Citrust Insurance Agency LLC, 680 E Colorado Blvd Ste 180, California 91101, United States of America. Email: jonathan@edewards.com, phone: 6267654495 on the collection, use and disclosure of your information that we collect when you use our website ( https://www.citrust-insurance.com ). (the “Service”). By accessing or using the Service, you are consenting to the collection, use and disclosure of your information in accordance with this Privacy Policy. If you do not consent to the same, please do not access or use the Service. 
We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy on the Service. The revised Policy will be effective 180 days from when the revised Policy is posted in the Service and your continued access or use of the Service after such time will constitute your acceptance of the revised Privacy Policy. We therefore recommend that you periodically review this page. 
 
Information We Collect: 
We will collect and process the following personal information about you: 
 
Name
Email
Phone Number
Date of Birth
Address
Gender Marital Status etc
 
How We Collect Your Information: 
We collect/receive information about you in the following manner: 
 
When a user fills up the registration form or otherwise submits personal information
Interacts with the website
From public sources
 
How We Use Your Information: 
We will use the information that we collect about you for the following purposes: 
Manage customer order

Provide insurance quotes and policies

Discuss your insurance situation with you 

Provide other advertised services or products

If we want to use your information for any other purpose, we will ask you for consent and will use your information only on receiving your consent and then, only for the purpose(s) for which grant consent unless we are required to do otherwise by law. 
 
How We Share Your Information: 
We will not transfer your personal information to any third party without seeking your consent, except in limited circumstances as described below: 

 

Insurance Services:

Citrust Insurance Agency is a broker-agent of various types of insurance. By contacting or interacting with us, you authorize us to provide your information to insurance companies, other insurance brokers and agencies, third parties such as your lenders, landlords, caseworkers, etc, and communication and marketing systems, as needed to help you obtain and maintain the insurance policies that you inquire about.
 
Analytics
We require such third party’s to use the personal information we transfer to them only for the purpose for which it was transferred and not to retain it for longer than is required for fulfilling the said purpose. 
We may also disclose your personal information for the following: (1) to comply with applicable law, regulation, court order or other legal process; (2) to enforce your agreements with us, including this Privacy Policy; or (3) to respond to claims that your use of the Service violates any third-party rights. If the Service or our company is merged or acquired with another company, your information will be one of the assets that is transferred to the new owner. 
 
Retention Of Your Information: 
We will retain your personal information with us for 90 days to 2 years after users terminate their accounts or for as long as we need it to fulfill the purposes for which it was collected as detailed in this Privacy Policy. We may need to retain certain information for longer periods such as record-keeping / reporting in accordance with applicable law or for other legitimate reasons like enforcement of legal rights, fraud prevention, etc. Residual anonymous information and aggregate information, neither of which identifies you (directly or indirectly), may be stored indefinitely. 
 
Your Rights: 
Depending on the law that applies, you may have a right to access and rectify or erase your personal data or receive a copy of your personal data, restrict or object to the active processing of your data, ask us to share (port) your personal information to another entity, withdraw any consent you provided to us to process your data, a right to lodge a complaint with a statutory authority and such other rights as may be relevant under applicable laws. To exercise these rights, you can write to us at jonathan@edewards.com. We will respond to your request in accordance with applicable law. 
You may opt-out of direct marketing communications or the profiling we carry out for marketing purposes by writing to us at jonathan@edewards.com. 
Do note that if you do not allow us to collect or process the required personal information or withdraw the consent to process the same for the required purposes, you may not be able to access or use the services for which your information was sought. 
 
Cookies Etc. 
To learn more about how we use these and your choices in relation to these tracking technologies, please refer to our Cookie Policy. 
 
Security: 
The security of your information is important to us and we will use reasonable security measures to prevent the loss, misuse or unauthorized alteration of your information under our control. However, given the inherent risks, we cannot guarantee absolute security and consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. 
 
Third Party Links & Use Of Your Information: 
Our Service may contain links to other websites that are not operated by us. This Privacy Policy does not address the privacy policy and other practices of any third parties, including any third party operating any website or service that may be accessible via a link on the Service. We strongly advise you to review the privacy policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services. 
 
Grievance / Data Protection Officer: 
If you have any queries or concerns about the processing of your information that is available with us, you may email our Grievance Officer at Citrust Insurance Agency LLC, 680 E Colorado Blvd Ste 180, email: jonathan@edewards.com. We will address your concerns in accordance with applicable law. 
 
Privacy Policy generated with CookieYes. 

 

 

Terms of Service

Effective Date: 03/11/2026

Welcome to the website of Citrust Insurance Agency LLC (“Citrust,” “we,” “us,” or “our”). By accessing or using this website, including any storefront, quote request form, contact form, or other services made available through the site, you agree to these Terms of Service.

1. About Our Business

Citrust Insurance Agency LLC is an insurance agency and brokerage business located in Pasadena, California. We may offer information about insurance products and services, and we may also offer certain non-insurance merchandise or other items for sale through our website.

2. No Guarantee of Coverage or Eligibility

Information on this website is provided for general informational purposes only. Any insurance product availability, pricing, benefits, eligibility, underwriting decision, effective date, or approval is determined solely by the applicable insurance carrier, plan administrator, or other third-party provider. Submission of an inquiry, application, or payment does not guarantee approval, enrollment, issuance of a policy, or continuation of coverage.

3. Role of Citrust

For most insurance-related products or services displayed on this website, Citrust acts as an independent insurance agent or broker. In those cases, Citrust generally does not underwrite coverage, collect or control premiums, administer policies, process claims, or determine refunds, cancellations, rescissions, or billing adjustments. Those functions are handled by the applicable insurance company, carrier, plan administrator, or third-party provider under their own terms and policies.

4. Payments for Insurance Products

When you apply for or enroll in an insurance product through our website or through a carrier linked from our website, any premium payment, billing authorization, recurring payment arrangement, cancellation, reinstatement, refund, or billing dispute is subject to the terms and procedures of the applicable carrier or plan provider. Citrust is not responsible for carrier billing operations or carrier refund processing unless explicitly stated otherwise in writing.

5. Merchandise and Non-Insurance Items

From time to time, we may offer merchandise or other non-insurance goods, such as branded items, directly through our website. Those purchases are subject to the product description, pricing, shipping terms, and refund policy stated on the website at the time of purchase.

6. Third-Party Services and Links

This website may include links to third-party websites, portals, forms, insurers, payment processors, marketplaces, or service providers. We are not responsible for the content, availability, billing practices, privacy practices, or terms of any third-party website or service. Your use of third-party services is governed by their own terms and policies.

7. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting inquiries, requests, applications, or purchases through the website. We may rely on the information you provide to communicate with you or to connect you with an insurance carrier or service provider.

8. No Professional, Tax, or Legal Advice

Content on this website does not constitute legal, tax, accounting, medical, or other professional advice. You should consult your own advisors regarding your specific situation.

9. Intellectual Property

All content on this website, including text, graphics, logos, branding, and images, is owned by or licensed to Citrust Insurance Agency LLC and may not be copied, reproduced, or used without permission, except as permitted by law.

10. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, to the fullest extent permitted by law.

11. Limitation of Liability

To the fullest extent permitted by law, Citrust Insurance Agency LLC shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of this website, your reliance on website content, or any acts or omissions of any insurer, carrier, administrator, payment processor, marketplace provider, or other third party.

12. Indemnification

You agree to indemnify and hold harmless Citrust Insurance Agency LLC from claims, losses, liabilities, and expenses arising out of your misuse of the website, your violation of these Terms, or your violation of any law or third-party rights.

13. Changes to These Terms

We may update these Terms of Service from time to time by posting the revised version on this page. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

15. Contact Information

Citrust Insurance Agency LLC
Pasadena, California
[Insert Mailing Address or Business Address]
jonathan@edewards.com
626-765-4495

 

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Refund Policy
Effective Date: 03/11/2026

This Refund Policy explains how refunds, returns, cancellations, and billing adjustments are handled for products or services referenced on the Citrust Insurance Agency LLC website.

1. Insurance Products and Services

For most insurance products and related services displayed, quoted, or linked through this website, Citrust Insurance Agency LLC acts only as an independent insurance agent or broker. In most cases, the applicable insurance company, carrier, plan administrator, or third-party provider—not Citrust—handles premium billing, payment collection, cancellations, policy administration, and refunds.

Accordingly:

• Premium refunds, billing disputes, cancellations, rescissions, and payment adjustments for insurance products are determined and processed by the applicable carrier or provider under its own rules and policy terms.

• Citrust does not guarantee that any refund will be available for an insurance product.

• Citrust is not responsible for the timing, calculation, approval, denial, or issuance of refunds by any carrier or third-party provider.

If you have a refund or billing question regarding an insurance policy or plan, please contact the insurance company, carrier, or plan administrator directly using the contact information shown on your billing statement, policy documents, or member materials.

2. Merchandise and Other Non-Insurance Goods Sold by Citrust

If Citrust directly sells a physical product through this website, such as branded merchandise, the following policy applies unless a different policy is shown on the product page:

• Returns must be requested within 14 days after delivery.

• Item must be unused and returned in its original condition.

• Shipping charges are non-refundable unless the item arrived damaged or incorrect.

• Customized, made-to-order, clearance, or final-sale items are not returnable unless required by law.

• Refunds, if approved, will be issued to the original payment method after the returned item is received and inspected.

To request a return for an item sold directly by Citrust, contact:
jonathan@edewards.com
626-765-4495

3. Items Sold or Fulfilled by Third Parties

If a product is sold, printed, fulfilled, shipped, or processed by a third-party seller, marketplace, print-on-demand vendor, carrier, or payment processor, the refund and return policy of that third party may apply. Citrust is not responsible for third-party fulfillment delays, lost shipments, payment disputes, or refund decisions.

4. No Refunds Except as Stated

Except where required by law or expressly stated on the applicable product page or provider documentation, refunds are not guaranteed.

5. Contact

For questions about this Refund Policy, contact:

Citrust Insurance Agency LLC
Pasadena, California
jonathan@edewards.com
626-765-4495