Privacy Policy

1. Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

Personal Information

• Name and contact information
• Email address and telephone number
• Mailing address and state of residence
• Age or date of birth
• Insurance interests and coverage needs
• Information submitted through forms

Insurance-Related Information

When you request an insurance quote, consultation, or application, additional information may be necessary, including:

• Financial and employment information
• Existing insurance coverage
• Beneficiary information
• Health or medical information when relevant
• Other information required by an insurer

Sensitive information should be submitted only through authorized, appropriately secured application or communication channels.

Website Usage Information

Our website or service providers may collect technical information such as browser type, device information, IP address, referring pages, and website activity.

2. How We Use Information

We may use personal information for purposes including:

• Responding to inquiries
• Scheduling consultations
• Discussing insurance options
• Preparing insurance quotes
• Facilitating insurance applications
• Communicating about requested services
• Maintaining business records
• Improving website functionality
• Meeting legal and regulatory obligations
• Preventing fraud and unauthorized activity

We may also send marketing communications where permitted by applicable law and consistent with your preferences.

3. Sharing Personal Information

We may disclose information when reasonably necessary to provide requested services or comply with applicable legal obligations.

Recipients may include:

• Insurance companies and underwriters
• Authorized insurance intermediaries
• Policy administration providers
• Technology and website service providers
• Professional advisers and compliance providers
• Regulators or authorities when legally required

Information sharing involving nonpublic personal financial information is subject to applicable insurance privacy and financial privacy requirements.

We do not authorize third parties to use information provided for insurance servicing for unrelated purposes except as permitted by law and applicable agreements.

4. Insurance Applications and Underwriting

Insurance carriers may require information to evaluate eligibility, determine premiums, issue policies, or administer coverage.

Depending on the product and your authorization, insurers may obtain information from medical providers, underwriting databases, consumer reporting agencies, or other legally permitted sources.

These activities may be governed by separate carrier privacy notices, application authorizations, and applicable laws.

5. Cookies and Analytics

Our website may use cookies or similar technologies to support functionality, remember preferences, measure traffic, or improve visitor experience.

Some cookies may be placed by third-party technology providers. You can manage certain cookie preferences through your browser settings.

If advertising or analytics technologies are enabled, additional disclosures or consent mechanisms may be required.

6. Information Security

We seek to use reasonable administrative, technical, and organizational safeguards appropriate to the sensitivity of information handled.

However, no website, email system, or electronic transmission method can be guaranteed completely secure.

Please avoid sending Social Security numbers, medical records, banking credentials, or other highly sensitive information through ordinary website contact forms or unsecured email.

7. Data Retention

Personal information may be retained for as long as reasonably necessary to fulfill the purposes described in this policy, service insurance relationships, resolve disputes, or satisfy legal and regulatory recordkeeping requirements.

Retention periods may differ depending on the information, product, and applicable law.

8. Your Privacy Rights

Depending on your state of residence, the nature of the information, and applicable exemptions, you may have rights concerning access, correction, deletion, or certain uses and disclosures of your personal information.

Some information maintained for insurance transactions may be subject to specialized federal or state privacy laws.

To submit a privacy-related request, please contact us using the information below.

9. Communications and Marketing

If you provide contact information, we may communicate with you about inquiries, appointments, applications, or requested insurance services.

Where marketing emails are sent, applicable unsubscribe options will be provided.

If text messaging is offered, any required consent, opt-out instructions, and messaging disclosures should be provided separately at the point of enrollment.

10. Third-Party Websites

Our website may contain links to insurance carriers, scheduling platforms, educational resources, or other external websites.

We are not responsible for the privacy practices of independently operated third-party websites. We encourage visitors to review their privacy policies.

11. Children's Privacy

Our website is intended for adults seeking insurance and financial protection information.

We do not knowingly solicit personal information directly from children under 13 through our public website.

Parents or guardians may provide information about minor children when necessary for authorized insurance transactions.

12. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in business practices, technology, or legal requirements.

Material updates will be reflected by revising the effective date shown at the top of this page. Additional notice will be provided when required by law.

13. Contact Cedar Shield Insurance