Web site Privacy Policy for Nhuy Insurance and Financial Agency, LLC.

This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.

ARTICLE I– PRINCIPLES:

Section 1.01 -- Principles: We may gather and use information as follows:

    (1) Notice: We may gather and use information as follows:

        (a) Volunteered Information: We will receive and store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed. Typically you will provide information on the Web Site for the purchase of products or services or when you submit comments or questions for review by us.

        (b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Web Site (“Cookie”). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Web Site creates.

        (c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.

        We may disclose information to third parties, or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by contacting us . To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.

        When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.

        Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.

        We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

    (2) Choice: We give you a choice as to the type and amount of private information we have, as follows:

        (a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.

        (b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

    (3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user’s user name and password to receive personal information.

    (4) Security: We protect the security of your personal information. We takes steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ ordering information, user name, and password. We encrypt users’ ordering information, user name, and password (including users’ credit card account number) using Secure Socket Layer (“SSL”) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users’ ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.

Section 2.01 -- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.

Section 3.01 -- Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us to delete such information from our records.

Section 4.01 -- Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

Section 5.01 -- Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.

Nhuy Insurance Commission, Language: English, Vietnamese

Nhuy Insurance, Sales & Marketing. Language: English, Vietnamese

Sales Office, Santa Clara. Language: English, Vietnamese

Sales Office, Santa Clara. Language: English, Indian

Sales Office, Santa Clara. Language: English, Chinese

Sales Office, South-West SJ #1. Language: English, Vietnamese

Sales Office, South-West SJ #2. Language: English, Vietnamese

Sales Office, San Jose East Language: English, Cambodian

Sales Office, Silicon Valley, Language: English, Vietnamese

Sales Office, Orange, Westminster, Language: English, Vietnamese

Sales Office, Bolsa, Westminster, Language: English, Vietnamese

Sales Office Fountain Valley. Language: English, Vietnamese

Sales Office Gardena, Language: English, Korean

Sales Office San Francisco, Language: English, Vietnamese

Sales Office, Oakland. Language: English, Vietnamese

Sales Office, Texas, Language: English, Vietnamese

Sales Office, Milpitas, North SJ. Language: English, Vietnamese

Sales Office Oregon. Language: English, Vietnamese

Sales Office Virginia. Language: English, Vietnamese

Sales Office, Fountain Valley OC. Language: English, Vietnamese

Sales Office, Georgia. Language: English, Vietnamese

Sales Office North Bay. Language: English, Vietnamese

Sales Office, SW San Jose. Language: English, Vietnamese

Sales Office Orange County, Language: English, Vietnamese

Sales Office Westminster. Language: English, Vietnamese

Sales Office, Westminster. Language: English, Vietnamese

Sales Office San Diego, Language: English, Vietnamese

Sales Office, NorthWest SJ, Language: English, Indian

Sales Office Bolsa OC. Language: English, Vietnamese

Sales Office, SouthEast SJ, Language: English, Vietnamese

Sales Office, OC Garden Grove. Language: English

Sales Office, Texas. Language Vietnamese, Chinese, English

Sales Office Westminster, Language: English, Vietnamese

Sales Office Fountain Valley Language: English, Vietnamese

Nhuy Insurance Main Office, Marketing

Sales Office in Milpitas, CA Language: English, Vietnamese

Sales Office in Richland Hills TX, Language English, Spanish

Sales Office N.W. Silicon Valley, Language: Chinese, English

Sales Office, CA Central. Language: English, Vietnamese

Sales Office, OC Central. Language: English, Vietnamese

Sales Office S. San Jose #3 Language: English, Vietnamese

Sales Office in Anaheim. Language: English, Spanish

Sales Office, Evergreen SJ Language: Vietnamese, English

Sales Office, Milpitas, CA Language: Vietnamese, English

Sales Office, Baldwin Park CA Language: Vietnamese, English

Sales Office, Orange County, CA Language: Vietnamese, English

Sales Office, Oakland, CA Language: English

Sales Office, Rodeo, CA Language: English

Sales Office in Concord, CA Language: Spnish, English

Sales Office in Fresno, CA Language: English, Spanish

Sales Office Westminster Language: English, Vietnamese

Sales Office Anaheim Language: English, Egypt

Sales Office Woodland & Davis, Language: Spabish, English

Sales Office Costa Mesa. Language: English, Vietnamese

Sales Office San Diego. Language: English, Vietnamese

Sales Office SW San Jose, Language: Enghlish, Vietnamese

Sales Office in Downey, CA Language English, Spanish

Sales Office Tustin, CA, Language: English, Vietnamese

Sales Office Anaheim, CA Language English, Vietnamese

Sales Office Westminster CA Language English, Vietnamese

Sales Office Sacto Language: Cantonese, English, Vietnamese

Sales Office San Jose Senter Language: English Vietnamese

We aim to provide high quality services for all of client, and we are pleased to hear that your experience matched our aspirations. All your feedback helps us to continue to improve our services for clients. We welcome all comments, suggestions and feedback from you.

Actual Cash Value

An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss. For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles.

Admitted Company

An insurance company authorized to do business in California.

Agent

A licensed person or organization authorized to sell insurance by or on behalf of an insurance company.

Aircraft Insurance

Coverage for the insured in the event that the insured's negligent acts and/or omissions result in losses in connection with the use, ownership, or maintenance of aircraft.

Automobile Insurance

Coverage on the risks associated with driving or owning an automobile. It can include collision, liability, comprehensive, medical, and uninsured motorist coverages.

Binder

A temporary or preliminary agreement which provides coverage until a policy can be written or delivered.

Bodily Injury

Any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.

Boiler and Machinery Insurance

Covers losses resulting from the malfunction of boilers and machinery. This coverage is usually excluded from property insurance creating the need for this separate product.

Broker

A licensed person or organization paid by you to look for insurance on your behalf.

Burglary

Coverage against loss as a result of forced entry into premises.

Cancellation

The termination of insurance coverage during the policy period. Flat cancellation is the cancellation of a policy as of its effective date, without any premium charge.

Claim

Notice to an insurer that under the terms of a policy, a loss maybe covered.

Claimant

The first or third party. That is any person who asserts right of recovery.

Collision (Auto)

Reimburses you for damage to your automobile sustained in a collision with another car or with any other object, movable or fixed, (for example, you accidentally backed into another object while pulling out from a parking stall and causing damage to the bumper and fender of your covered automobile).

Collision Deductive Waiver

This coverage waves your collision deductible if you are hit by an negligent uninsured motorist.

Common Carrier Liability

Coverage for transportation firms that must carry any customer's goods so long as the customer is willing to pay. Examples include trucking companies, bus lines, and airlines.

Comprehensive (Auto)

Provides coverage for any direct and accidental loss of, or damage to, your covered automobile and its normal equipment, to include but not limited to fire, theft or malicious mischief.

Comprehensive Glass Insurance

Coverage on an "all risks" basis for glass breakage, subject to exclusions of war and fire.

Credit Life Insurance

Insurance issued to a creditor (lender) to cover the life of a debtor (borrower) for an outstanding loan.

Decline

The company refuses to accept the request for insurance coverage.

Deductible

The amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium.

Depreciation

A decrease in value due to age, wear and tear, etc.

Disability Insurance

Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident.

Endorsement

Amendment to the policy used to add or delete coverage. Also referred to as a "rider."

Exclusion

Certain causes and conditions, listed in the policy, which are not covered.

Expiration Date

The date on which the policy ends.

Face Amount

The dollar amount to be paid to the beneficiary when the insured dies. It does not include other amounts that may be paid from insurance purchased with dividends or any policy riders.

Financial Guarantee Insurance

A surety bond, insurance policy or, when issued by an insurer, an indemnity contract and any guaranty similar to the foregoing types, under which loss is payable upon proof of occurrence of financial loss to an insured claimant, obligee, or indemnitee.

Fire Insurance

Coverage for loss of or damage to a building and/or contents due to fire.

Good Driver Discount

To be eligible for the Good Drivers Discount all operators of the insured vehicles must have been licensed for three or more year, have no more than a one (1) point charge on their driving record and has not been determined "at fault" in an accident resulting in bodily injury or death to any person.

Grace Period

A specified period immediately following the premium due date during which a payment can be made to continue a policy in force without interruption. This applies only to Life and Health policies. Check your policy to be sure that a grace period is offered and how many days, if any, are allowed.

Guaranteed Insurability

An option that permits the policy holder to buy additional stated amounts of life insurance at stated times in the future without evidence of insurability.

Health Insurance

A policy that will pay specifies sums for medical expenses or treatments. Health policies can offer many options and vary in their approaches to coverage.

Homeowner Insurance

An elective combination of coverages for the risks of owning a home. Can include losses due to fire, burglary, vandalism, earthquake, and other perils.

Incontestable Clause

A policy provision in which the company agrees not to contest the validity of the contract after it has been in force for a certain period of time, usually two years.

Insured

The policyholder - the person(s) protected in case of a loss or claim.

Insurer

The insurance company.

Legal Insurance

Prepaid legal insurance coverage plan sold on a group basis.

Liability (Auto)

Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property as a result of an auto accident.

Liability Insurance

Coverage for all sums that the insured becomes legally obligated to pay because of bodily injury or property damage, and sometimes other wrongs, to which an insurance policy applies.

Life Insurance

A policy that will pay a specified sum to beneficiaries upon the death of the insured.

Limit

Maximum amount a policy will pay either overall or under a particular coverage.

Loan Value

The amount which can be borrowed at a specified rate of interest from the issuing company by the policyholder, using the value of the policy as collateral. In the event the policyholder dies with the debt partially or fully unpaid, then the amount borrowed plus any interest is deducted from the amount payable.

Marine Insurance

Coverage for goods in transit and the vehicles of transportation on waterways, land, and air.

Material Misrepresentation

The policyholder / applicant makes a false statement of any material (important) fact on his/her application. For instance, the policyholder provides false information regarding the location where the vehicle is garaged.

Medical Payments

Will pay reasonable expenses incurred for necessary medical and /or funeral services because of bodily injury caused by accident and sustained by you or any other person while occupying a covered automobile.

Miscellaneous Insurance

Includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or insurance under an open policy indemnifying the producer of any motion picture, television, theatrical, sport, or similar production, event, or exhibition against loss by reason of the interruption, postponement, or cancellation of such production, event, or exhibition due to death, accidental injury, or sickness preventing performers, directors, or other principals from commencing or continuing their respective performance or duties; and any insurance not included in any other classes and which is a proper subject of insurance (California Insurance Code, Section 120).

Misquote

An incorrect estimate of the insurance premium.

Mortgage Insurance

Life insurance that pays the balance of a mortgage if the mortgagor (insured) dies.

Peril

The cause of a possible loss. For example, fire, theft, or hail.

Policy

The written contract of insurance.

Policy Limit

The maximum amount a policy will pay, either overall or under a particular coverage.

Premium

The amount of money an insurance company charges for insurance coverage.

Premium Financing

A a policyholder contracts with a lender to pay the insurance premium on his/her behalf. The policyholder agrees to repay the lender for the cost of the premium, plus interest and fees.

Pro-Rata Cancellation

When the policy is terminated midterm by the insurance company, the earned premium is calculated only for the period coverage was provided. For example: an annual policy with premium of $1,000 is canceled after 40 days of coverage at the company's election. The earned premium would be calculated as follows: 40/365 days X $1,000=.110 X $1,000=$110.

Property Damage

Damage to another person's property. The purpose of liability insurance is to cover property damage to a third party resulting from the negligent or intentional acts of an insured.

Quote

An estimate of the cost of insurance, based on information supplied to the insurance company by the applicant.

Replacement Cost

The cost to repair or replace an insured item. Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it. If you have personal property replacement cost coverage, your insurance will pay the full cost to repair an item or buy a new one once the repairs or purchases have been made.

Replacement Value

The full cost to repair or replace the damaged property with no deduction for depreciation, subject to policy limits and contract provisions.

Reinstatement

The restoring of a lapsed policy to full force and effect. The reinstatement may be effective after the cancellation date, creating a lapse of coverage. Some companies require evidence of insurability and payment of past due premiums plus interest.

Rider

Usually known as an endorsement, a rider is an amendment to the policy used to add or delete coverage.

Short-Rate Cancellation

When the policy is terminated prior to the expiration date at the policyholder's request. Earned premium charged would be more than the pro-rata earned premium. Generally, the return premium would be approximately 90 percent of the pro-rata return premium. However, the company may also establish its own short-rate schedule.

Solicitor

A licensed employee of a fire and casualty agent or broker who may act for the agent or broker in some circumstances.

Sprinkler Insurance

Coverage for property damage caused by untimely discharge from an automatic sprinkler system.

Surcharge

An extra charge applied by the insurer. For automobile insurance, a surcharge is usually for accidents or moving violations.

Surrender

To terminate or cancel a life insurance policy before the maturity date. In the case of a cash value policy, the policyholder may exercise one of the non-forfeiture options at the time of surrender.

Team and Vehicle Insurance

Includes insurance against loss through damage or legal liability for damage, to property caused by the use of teams or vehicles other than ships, boats, or railroad rolling stock, whether by accident or collision or by explosion of engine, tank, boiler, pipe, or tire of the vehicle, and insurance against the theft of the whole or part of such vehicle (California Insurance Code, Section 115).

Title Insurance

Coverage for losses if a land title is not free and clear of defects that were unknown when the title insurance was written.

Underwriting

The process of selecting applicants for insurance and classifying them according to their degrees of insurability so that the appropriate premium rates may be charged. The process includes rejection of unacceptable risks.

Uninsured Motorist Bodily Injury

Will pay you and your passengers for bodily injury cause by a negligent uninsured motorist, a hit-and-run driver, or by a driver whose insurer is insolvent.

Uninsured Motorist Property Damage

Will pay for damages to your automobile, set up to a limit, when caused by a negligent uninsured motorist.

Waiting Period

A period of time set forth in a policy which must pass before some or all coverages begin.

Workers Compensation Insurance

Coverage providing four types of benefits (medical care, death, disability, and rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault).

Disclaimer: The license status information shown below represents information taken from the CDI licensing database at the time of your inquiry. This information may not always be current. For example, items sent to the Department may be pending review or simply may not have been entered into our licensing database yet. Continuing Education hours quoted may not reflect courses taken in the last 45 days. This database will reflect concluded disciplinary actions against licensees. Complaints and ongoing investigations are confidential and, therefore, not available.  

Nhuy 2023

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Nhuy 2023

Nhuy Northern California 2017

Nhuy Southern California 2017

Nhuy North 2016

Nhuy Insurance & Financial Agency, LLC, is supported by many key insurance carriers which enhanced us become a “one-stop-shop” insurance shopping experience. At Nhuy Insurance & Financial Agency, LLC, each one of our clients are given a dedicated team of experts that work together to proficiently address all your concerns.

We offer all types of Personal Insurance coverages to our clients in WA, OR, CA, AZ, TX, GA, VA, NV, FL including Auto, Homeowners, Motorcycle, Boat, Car, and Renters. Our benefits department can also assist you in protecting you and your family with Life, Health, and Dental insurance.

Give one of our agents a call to save money on your Business Insurance. Our Commercial insurance coverages include Commercial Auto, Bond, Farm, Business Owners Packages, and General Liability.

As our customer, YOU are our TOP PRIORITY and we will always work hard to understand and fulfill your needs, and to handle your claims quickly, professionally and with a smile. Our goal is to make your decision to insure with us one of the best you ever make.

 Principal Resume (18.19 kB 2013-12-11 19:39:05)

Physical Address: 360 Kiely Blvd. #125, San Jose, CA 95129
TEL: 1-408-987-1463 *  FAX: 866-596-1240
Mailing Address: 2871 Mauricia Avenue, Santa Clara, CA 95051
www.nhuyinsurance.com
Current E&O Endurance 11/01/2021 - 11/01/2022 Policy # PUG10000140107
  Article of Corporation: 200902710291  and Date: 01/26/2009
Choice Point Node ID: Node=JT8644000, Account=360141BNK
Banking: Wells Fargo: 2792 Homestead Rd, Santa Clara, CA 95051, Tel: 408-248-3478
Bond: FX 100014138 - 11/16/2012 / 10,000.00
Bond: SL 61400633 - 09/15/2013 / 50,000.00
NPN (P): 7987532    NPN (C):13452963  FEIN: 26-4099972
********************************************************************************************************************
Licenses https://www.sircon.com 877-876-4430
CA http://www.insurance.ca.gov
0E25228 Principal exp 2/24___0G44999 Corporate exp 3/23
OR http://www.insurance.oregon.gov
769251 Principal exp 2/23___100171386 Corporate exp 12/22
NV http://www,doi.state.nv.us
760482 Principal exp7/23___763862 Corporate exp 3/24
AZ http://id.state.az.us/producers/index.html
7987532 Principal exp 2/26___1800008145 exp 1/23
TX http://www.tdi.state.tx.us
1372934 Principal exp 2/23___1737910 Corporate exp3/24
GA http://www.gainsurance.org
0746149 Principal exp 2/23___  Corporate exp
VA http://www.scc.virginia,gov
756839 Principal exp 2/24___127392 Corporate exp 5/23
ID sircon.com 
903014 Principal exp 2/24___903401 Corporate exp 2/24
NM sircon.com 
7987532 Principal exp 2/24___ Corporate exp 
UT sircon.com 
903480 Principal exp 2/24___ Corporate exp 
CO sircon.com 
730233 Principal exp 2/23___ Corporate exp
WA https://fortress.wa.gov/oic/onlineservices/login.aspx?modules=lse
776542 Principal exp 2/23___822381 Corporate exp 1/24
Login LIC776542/Onekey1$2022 ___Login BUS822381/Onekey2$2022