Last updated 12/16/2016.
Personal Information, Collection and Use
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your full name, e-mail address, telephone number, home address, date of birth, and certain personal device information – as described below (“Personal Information”).
We may also automatically collect certain personal device information – such as physical location, IP address, website activity, and data usage.
We use the collected Personal Information in the normal course of business which includes, but is not limited to:
Processing your insurance application
Contacting you regarding the process or status of your application
Providing you with a quote, or answering an inquiry
Contacting you regarding information, products, and services you might be interested in, or soliciting your feedback
To develop and retain records, including records of your Personal Information, for purposes relating to different state insurance regulators
For analytical purposes to develop and improve products, services, and material content
To protect our rights or property
To comply with a law or regulation, court order or other legal process.
In the ordinary course of business, we will need to share your Personal Information with the following third parties.
In order to process and complete your insurance application we will need to share your Personal Information with your selected insurance company. If you submit an application or inquiry for an insurance product or quote offered through our Site or licensed agent with whom we are associated with, then we may share your Personal Information to that licensed agent to process your requested quote or application. We do not gather personal health information (“PHI”) through our Site; however our licensed agent may need to collect the minimal amount of PHI necessary to complete a quote or application by telephone or during an in-person meeting. We are a business associate to our insurance companies which are considered covered entities under HIPAA law. We and our licensed agents with whom we are associated with strictly adhere to all HIPAA privacy and security rules. In all cases in which we share your Personal Information and/or PHI.
In all cases in which we share your Personal Information with a third-party, we will not authorize them to keep, disclose or use your information with others except for the purpose of providing the services we asked them to provide.
We will not sell, exchange, or publish your Personal Information, except in conjunction with a corporate sale, merger, dissolution, or acquisition.
We may be legally compelled to release your Personal Information in response to a court order, subpoena, search warrant, law or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting website visitors who violate our rules or engage in behavior which is harmful to other visitors (or illegal).
Non-Personal Information, Collection and Use
When you visit or use our Site, we collect certain non-personal information and aggregate information about you. Non-personal information is information we collect through this website that does not identify you as an individual person, and as such we may use and disclose such information for any purpose permitted by law.
This non-personal information may include the following, but is not limited to: the type of web browser software you use (for example, Internet Explorer), the name of the domain from which you access the Internet, the Internet address of the website from which you linked directly to our website, the date and time you access our website, which pages you have visited on our website, the search terms you use, the links on which you click, and personal information that has been made non-personal or anonymized (i.e., information that no longer reflects or references an individually identifiable user) (“Non-Personal Information”).
We use the collected Non-Personal Information primarily for marketing purposes and to improve the information and services we offer you through our Site. For example, if you visit our Site to read or download information such as information about insurance or one of our products we may collect certain Non-Personal Information about you from your computer.
Cookies, Collection and Use
You are always free to decline our cookies if your browser permits, but some parts of our Site may not work properly for you if you do so. We will not allow third parties other than those companies that we hire to perform services or functions on our behalf to place cookies on our Site.
For more information on third-party advertising-related cookies and how to opt out of some cookies as you choose, see the descriptions and links below.
Click here to visit the Network Advertising Initiative site to set preferences and opt out of third-party targeting cookies.
You may also configure your own browser settings to block or manage cookies. Please refer to your browser's Help function.
California law (CalOPPA) requires us to let you know how we respond to web browser "Do Not Track (DNT) signals". Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not honor Do Not Track requests at this time.
We may use your Personal Information to contact you periodically by e-mail, mail, or telephone. We may contact you to provide information regarding products, services, and to survey your satisfaction of our service. In addition, some of the features on this Site allow you to communicate with us using an online form. If your communication requests a response from us, we will send you a response via e-mail or telephone.
Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. If you wish, you may contact us instead via telephone at the numbers provided at various locations on our Site.
If you want to opt out of these surveys and/or notices, you may contact us by e-mail at email@example.com.
Please Note: You may continue to receive communications from us regarding your insurance quote, application, policy, and status even if you opt out of receiving our notices of additional products and services.
The security of your Personal Information is very important to us. When you submit your Personal Information using the contact form for a quote or to begin an application request through our Site, we encrypt the contact form using Secure Socket Layer (“SSL”) technology. SSL is the standard security technology for establishing an encrypted link between a website server and a website browser. This link ensures that all data passed between website server and website browsers remains private and protected. Compatible website browsers will automatically activate the SSL encryption while you are completing the contact form. Our Site will display a message indicating which contact forms are encrypted with SSL technology. While SSL encryption works with a majority of website browsers we cannot guarantee that your website browser is compatible.
We take reasonable steps to protect your Personal Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction by maintaining physical, electronic, and procedural safeguards. However, you should keep in mind that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Our Site is designed to provide information on products and services for individuals nearing eligibility for Medicare, and those advising on behalf of Medicare beneficiaries. We will not intentionally collect any Personal Information from children under the age of 13. If you think that we have collected Personal Information from a child under the age of 13, please contact us at firstname.lastname@example.org.
Links to Other Websites
We may choose to provide links to other websites not owned or controlled by Med & Life Insurance Solutions, that we think might be useful or of interest to you. We cannot, however be responsible for the privacy practices, content, or accuracy of those other websites. These links to other websites do not constitute or imply endorsement by us; of any products, services, or material described or contained by the other websites. We recommend that you carefully read the privacy policies of these other websites as their information on privacy practices may differ from ours.
Med & Life Insurance Solutions
9308 South 1st St
Austin, TX, 78748