Privacy Policy
Koba Capital (“Koba Capital,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://www.kobacapital.com/, request insurance quotes, complete a contact form, or interact with our digital services.
By using our website, you agree to the collection and use practices described in this Privacy Policy.
Information We Collect
We may collect information that you voluntarily provide, as well as information automatically collected through your interactions with our website.
You may provide personal information when you:
- Request a commercial or personal insurance quote.
- Contact our team of licensed brokers.
- Complete an online application form.
- Subscribe to insurance updates or industry newsletters.
- Submit inquiries regarding our brokerage services.
This information may include your name, email address, phone number, business name, physical property information, historical loss runs, insurance interests, and any additional underwriting information you choose to provide.
When you visit our website, certain technical information is collected automatically, including:
- IP address and browser type
- Device information and operating system
- Pages viewed and time spent on the website
- Referral sources and internal website navigation routes
This analytical information helps us optimize website performance, maintain cybersecurity protocols, and improve the user experience.
How We Use Your Information
We use collected information to:
- Process, analyze, and respond to commercial and personal quote requests.
- Negotiate coverage parameters with licensed insurance carriers.
- Provide personalized risk management assessments and educational resources.
- Communicate with prospective and existing clients regarding policy details.
- Maintain website security and prevent fraudulent insurance activity.
- Comply with applicable legal, financial, and insurance regulatory requirements.
Text Messaging (SMS) & TCPA Compliance
By providing a telephone number to Koba Capital via our website forms, you consent to receive communications from us via voice call or text message (SMS).
Important Privacy Protection: Koba Capital strictly values your communication privacy. Mobile information, opt-in data, and consent data collected for text messaging (SMS) purposes will not be shared, sold, or rented to any third parties, affiliates, or partners for marketing or promotional purposes. All text communication data remains completely confidential.
You may opt out of receiving text messages at any time by replying “STOP” to any message you receive from us.
Cookies and Tracking Technologies
Our website uses cookies, web beacons, and similar tracking technologies to improve functionality and enhance your browsing experience. Cookies help us remember user preferences, measure website performance, analyze visitor behavior, and support our targeted marketing efforts.
Most web browsers allow users to disable cookies through browser-specific settings. However, disabling cookies may limit certain website features and quote form behaviors.
Analytics and Third-Party Services
We may use trusted third-party service providers to help operate our website, run analytics, and manage client relations. These entities may collect anonymous usage data. Examples include:
- Website analytics providers (such as Google Analytics)
- Customer Relationship Management (CRM) platforms
- Secure online form submission software
- Spam prevention tools and security firewalls
Each third-party provider maintains its own strict privacy practices and compliance policies.
Insurance Quote Requests & Data Sharing
When you request an insurance quote or risk consultation, you voluntarily provide personal or business information needed to evaluate potential coverage options.
- Submitting information through our website does not guarantee coverage or immediately bind an insurance policy.
- Information submitted through underwriting forms is shared securely with licensed insurance carriers, wholesale brokers, or general underwriting partners solely for the purpose of evaluating, quoting, and securing available insurance solutions for your account.
- Koba Capital does not sell personal information to third-party data brokers or marketing lists.
Data Security and Retention
We implement industry-standard administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we take maximum precautions, no internet transmission or electronic storage method can guarantee absolute security.
We retain personal information only as long as necessary to provide requested services, meet New York state insurance record retention regulations, resolve financial disputes, and enforce business agreements.
Your Privacy Rights
Depending on your location and state laws, you may hold specific consumer privacy rights. These may include the right to request access to your personal information, request corrections to inaccurate profiles, request data deletion, or withdraw consent for marketing communications.
To exercise any of these privacy rights, please contact us directly at the information provided below.
Children’s Privacy
Our website is intended strictly for adults seeking commercial and personal insurance information. We do not knowingly collect personal information from children under 13 years of age.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect shifts in our business practices, carrier networks, or legal requirements. Any revisions will become effective immediately upon posting on this page.
Contact Us
If you have questions regarding this Privacy Policy or our data practices, please contact us:
Koba Capital
Address: 70-50 Austin St, Suite LL115 Forest Hills, NY 11375
Email: info@kobacapital.com
Website Contact Page: https://www.kobacapital.com/contact-us/
