Privacy Policy

Effective Date: June 23rd, 2025

OVERVIEW

Insurance Guidance ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Important: This policy covers our direct data collection. We also use third-party services (like Calendly) that have their own privacy policies.

INFORMATION WE COLLECT

Personal Information You Provide:

  • Contact information (name, email, phone number, address)

  • Insurance needs and preferences

  • Current insurance information

  • Health and lifestyle information (for insurance applications)

  • Financial information (income, assets) as needed for insurance evaluation

  • Family information (dependents, beneficiaries)

Information Collected Through Our Website:

  • IP address and browser information

  • Website usage patterns and preferences

  • Cookies and similar tracking technologies

  • Form submissions and inquiries

Information from Third-Party Services:

  • Calendly Scheduling Data: Appointment times, contact information, and scheduling preferences

  • Insurance Carrier Data: Application status, policy information, and claims data

  • Verification Services: Identity verification and license confirmation data

HOW WE USE YOUR INFORMATION

Primary Business Purposes:

  • Provide insurance consultation and brokerage services

  • Process insurance applications and policy management

  • Communicate about your insurance needs and options

  • Schedule appointments and consultations

  • Maintain customer service and support

  • Comply with legal and regulatory requirements

Secondary Uses:

  • Improve our website and services

  • Send educational information about insurance topics

  • Conduct business analytics and reporting

  • Protect against fraud and unauthorized access

Legal Bases for Processing (where applicable):

  • Consent for marketing communications

  • Contract performance for insurance services

  • Legitimate interests in providing customer service

  • Legal compliance with insurance regulations

INFORMATION SHARING AND DISCLOSURE

We Share Your Information With:

Insurance Carriers: We share relevant information with insurance companies when:

  • Processing insurance applications

  • Managing existing policies

  • Filing or managing claims

  • Conducting required verifications

Third-Party Service Providers:

  • Calendly: For appointment scheduling (subject to Calendly's privacy policy)

  • Insurance verification services: For license and credential checking

  • Technology providers: For website hosting and maintenance

  • Compliance services: For regulatory reporting requirements

Legal and Regulatory Disclosures:

  • State insurance departments as required by law

  • Law enforcement when legally required

  • Professional advisors (attorneys, accountants) under confidentiality agreements

  • Business transfers (in case of merger, acquisition, or sale)

We Do Not:

  • Sell your personal information to third parties

  • Share information for marketing purposes without consent

  • Provide information to unlicensed insurance entities

  • Share information outside the United States

CALENDLY DATA HANDLING

What Calendly Collects:

  • Appointment scheduling information

  • Contact details for meeting confirmations

  • Calendar integration data

  • Communication preferences

How Calendly Data is Used:

  • Schedule and manage appointments

  • Send appointment reminders and confirmations

  • Integrate with our customer management systems

  • Provide technical support for scheduling issues

Calendly's Privacy Policy: Please review Calendly's privacy policy at https://calendly.com/privacy for their data handling practices.

Your Control: You can modify or cancel appointments directly through Calendly links or by contacting us.

DATA SECURITY

Security Measures:

  • Encrypted data transmission (SSL/TLS)

  • Secure data storage with access controls

  • Regular security assessments and updates

  • Employee training on data protection

  • Incident response procedures

Insurance Industry Standards:

  • Compliance with state insurance data protection regulations

  • Adherence to carrier security requirements

  • Regular security audits and assessments

  • Secure disposal of sensitive documents

Limitation: No security system is 100% secure. We cannot guarantee absolute security of your information.

YOUR RIGHTS AND CHOICES

Access and Control:

  • Request access to your personal information

  • Correct inaccurate information

  • Request deletion of information (subject to legal requirements)

  • Opt out of marketing communications

  • Request information about how your data is used

State-Specific Rights:

Florida Residents:

  • Rights under Florida Personal Information Protection Act

  • Insurance-specific privacy rights under Florida Insurance Code

Other State Rights: We comply with applicable state privacy laws in all states where we operate.

COOKIES AND TRACKING TECHNOLOGIES

Types of Cookies:

  • Essential Cookies: Required for website functionality

  • Analytics Cookies: Help us understand website usage

  • Preference Cookies: Remember your settings and preferences

  • Marketing Cookies: Used for relevant advertising (with consent)

Third-Party Tracking:

  • Google Analytics (subject to Google's privacy policy)

  • Calendly tracking for scheduling functionality

  • Insurance carrier tracking pixels (when applicable)

Your Choices: Most browsers allow you to control cookies. However, disabling certain cookies may affect website functionality.

DATA RETENTION

Retention Periods:

  • Active customer data: Maintained during business relationship plus 7 years

  • Insurance applications: Retained per state regulatory requirements (typically 5-7 years)

  • Website analytics: Retained for 2 years

  • Marketing communications: Until you unsubscribe

  • Legal compliance data: As required by applicable laws

Deletion: Information is securely deleted or anonymized after retention periods expire.

CHILDREN'S PRIVACY

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If we become aware of such a collection, we will delete the information promptly.

INTERNATIONAL USERS

Our services are intended for United States residents. If you access our website from outside the US, your information may be transferred to, stored, and processed in the United States.

CHANGES TO PRIVACY POLICY

We may update this privacy policy periodically. Material changes will be:

  • Posted on our website with updated effective dates

  • Emailed to customers for significant changes

  • Implemented in compliance with applicable notice requirements

CONTACT INFORMATION

For Privacy Questions or Requests:

Insurance Guidance
Privacy Officer
📧 Email: info@insuranceguidance.org
📞 Phone: 727-618-9833
📍 Address: 855 Central Avenue, Saint Petersburg, FL 33701

Response Time: We will respond to privacy requests within 30 days (or as required by applicable law).

EFFECTIVE DATE

This Privacy Policy is effective as of June 23rd, 2025 and was last updated on June 23rd, 2025.