Privacy Notice

1. Information We Collect

We collect only the information necessary to provide insurance services and comply with legal obligations.

2. How We Use Your Information

We use your information strictly for legitimate insurance and legal purposes, including:

• Underwriting and risk selection
• Determining eligibility, premiums, and coverage terms
• Processing and administering claims
• Fraud detection and prevention
• Policy servicing and customer support
• Compliance with federal and state insurance laws

Note: We do not use medical or health information for marketing purposes.

3. How We Share Your Information

We may disclose your information as permitted by law with the following parties:

• Affiliates and service providers (claims processors, reinsurers, auditors)
• Other insurance companies for underwriting or claims coordination
• Healthcare providers for claims and underwriting (health/life policies)
• Consumer reporting agencies
• Regulatory authorities, law enforcement, or courts

We do not sell your personal or health information.

4. Your Privacy Rights

Depending on applicable law, you may have the right to:

• Access and review your personal information
• Request corrections to inaccurate data
• Request deletion where legally permitted
• Obtain information about certain disclosures

To exercise these rights, please contact us using the information provided below.

5. Confidentiality of Health and Medical Information

Health and medical information is handled with heightened protection. It is:

• Used only for underwriting, claims, or as required by law
• Shared only with authorized parties
• Subject to additional technical safeguards and access restrictions

6. Data Security and Retention

Security: We maintain administrative, technical, and physical safeguards, including encryption, secure data systems, and employee training. However, no system is completely secure, and we cannot guarantee absolute security.

Retention: We retain information only as long as necessary to fulfill insurance and contractual obligations, meet legal and regulatory requirements, and resolve disputes.

7. Former Customers

If your policy ends or is canceled, we will continue to protect your personal information in accordance with this notice and applicable law.

8. Changes to This Notice

We may update this Privacy Notice periodically. Updates will be posted on this page with a revised effective date.