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This Privacy Policy describes the collection, use, and disclosure practices with respect to Senior Insurance Brokers (“we,” “us”, “our,” or the “Company”) and its website, seniorinsbrokers.com, and any other websites or platforms that the Company may create in the future (the “Platform”).
The purpose of the Platform is to provide information and tools to licensed insurance agents and prospective insurance agents (“Agents”). We also receive information about individuals who are interested in insurance or financial products (“Consumers”) and make such information available to licensed insurance agents who assist individuals with the purchase of the products. We may also work with “Lead Vendors” – companies that collect inquiries from Consumers and pass such inquiries to Agents and Company representatives. Lead Vendors must obtain appropriate consent from Consumers to be contacted regarding specific products before providing us with such Consumers’ information.
This Privacy Policy uses the term “Personal Information” to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
Since we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under another state or federal regulatory framework, like the Health Insurance Portability and Accountability Act (“HIPAA”) and related state laws, or the Gramm-Leach-Bliley Act (“GLBA”) and related state laws.
Specifically, we act as a Business Associate (as defined by HIPAA) if we receive client Protected Health Information (“PHI”) from lead vendors or on behalf of a health plan that is a Covered Entity (as defined by HIPAA). In our role as a Business Associate we collect, use, and disclose PHI to provide services for or on behalf of health plans. For more information about how PHI is used and disclosed, please review the applicable health plan’s Notice of Privacy Practices.
When we receive client information pertaining to certain insurance or financial products, we may collect non-public personal financial information, which is regulated by GLBA. For more information about how non-public personal financial information is used and disclosed, please review the GLBA Notice provided by the financial institution that issued the clients’ policies or products.
This Privacy Policy applies to personal information that is not covered by HIPAA or GLBA.
Category |
Examples & Sources |
|---|---|
| Contact Information | Consumers’ and Agents’ name, phone number, and email address, as well as Consumers’ postal address. We may collect this information about Consumers from Lead Vendors, Agents, insurance carriers, data brokers, and agencies. We collect this information about Agents from Agents or marketing organizations in the Agents’ product sale hierarchy. |
| Login Credentials | This includes username and password* when Agents or Consumers choose to create an account with us. |
| Identification Information* | Agents’ National Producer Number and Social Security number. We collect this information from Agents when they begin working with us. Consumers’ driver’s license, Social Security, and/or similar government-issued identification numbers. We collect this information about Consumers provided in the course of discussions with an Agent or representative, which is relevant to the processing of an application for an insurance or financial product. |
| Demographic Information* | Consumers’ age, date of birth, marital status, language preference, ethnicity, race, and sex or gender. We collect this information about Consumers when Lead Vendors, insurance carriers, Agents, data brokers, or agencies provide it to us. |
| Health Information* | Consumers’ health information provided in the course of discussions with an Agent or representative, which is relevant to the processing of an application for an insurance or financial product. For example, notes about a Consumer may state that the Consumer has diabetes, as is relevant for an application for a life insurance product. |
| Sensory Information | Audio recordings of Consumer conversations with representatives and Agents in connection with inquiries regarding insurance and/or financial products. We may also have access to video snippets of user website activity evidencing consent to be contacted. This information is collected from Lead Vendors, Agents, insurance carriers, and agencies. |
| Commercial Information | We collect information about the products requested by Consumers, including information entered into insurance and/or financial product applications, as provided by you, a Lead Vendor, Agent, data brokers, insurance carriers, advertising and/or social media networks, or an agency. We also collect information regarding your purchase of insurance and/or financial products, including the type of product purchased and the corresponding carrier. |
| Internet or Other Similar Network Activity | Automatically collected information on users’ interaction with the Platform. This may include your browsing history (including the site you came from before visiting our website and the site you went to after leaving our website), duration of browsing session, device ID, and IP address. We may also collect this information from advertising networks. |
| Geolocation Data | We collect geolocation, which may include precise geolocation,* from users. We automatically collect this information from you and may also collect this from advertising networks. |
| Educational and Professional Information | We collect from data brokers Personal Information about Consumers’ educational background, profession, income, product preference, consumer behavior, and asset ownership. This information is used for offline marketing. We also collect this information from Agents when they begin working with us. |
The website on which the Platform is hosted may use cookies, pixel tags, web beacons, and similar technologies to track and enhance user experience, including technologies placed on the website by third parties, such as advertising network partners. Users’ web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Cookies can also enable us to track and target the interests of our users to enhance their experience on our website. We may use the following types of cookies: advertising and analytics and social media.
You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do so, some parts of the Platform may not function properly. Our Platform does not recognize “Do Not Track” signals, but it may recognize other opt-out preference signals, such as the Global Privacy Control (GPC). You may set such a signal through your browser or browser extension.
The Platform is not intended for children under 16 years of age. We do not collect information about individuals under the age of 16. No one under age 16 may provide any information through the Platform. We do not knowingly collect Personal Information from children under 16, and we do not have actual knowledge that we sell or share the Personal Information of children under 16. If you are under 16, do not use or provide any information through the Platform. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.
No security is foolproof, and the Internet is an insecure medium. We cannot guarantee absolute security, but we work hard to protect our Company and you from unauthorized access to or unauthorized alteration, disclosure, or destruction of Personal Information that we collect and store.
Our Platform uses third-party applications and integrations to enhance its experience. We disclaim any and all liability and responsibility for the use of these applications and integrations, and encourage you to review their individual privacy policies before using our Platform or otherwise engaging with us. We disclaim any and all liability and responsibility for the use of these applications and integrations and encourage you to review any individual privacy policy related to those applications and integrations.
We may revise this Privacy Policy from time to time. If we make material changes to this Privacy Policy, we will notify you by email or by posting a notice on our Platform prior to or on the effective date of the changes. By continuing to access or use the Platform after those changes become effective, you acknowledge the revised Privacy Policy.
If you have any questions or comments about this notice, or the ways in which we collect and use your personal information, please do not hesitate to contact us at:
Phone: 817-335-0022
Email: compliance@americanseniorbenefits.com
Address:
5501 W Rosedale St.To the extent the law applies to Company, Company is required under the California Consumer Privacy Act (“CCPA”), as amended, to provide certain information to California residents about how we collect, use, and share their Personal Information in our capacity as a business, and about the rights and choices California residents may have concerning their Personal Information. For purposes of this section, “Personal Information” has the meaning provided in the CCPA.
This section applies only to California residents. As a California resident, you have the rights listed below. However, these rights are not absolute, and, in certain cases, we may decline your request as permitted by law. To exercise any of these rights, please click here. Only you, or someone legally authorized to act on your behalf, may make a request related to your Personal Information.
The following disclosures are made in compliance with the CCPA, as amended. In the past twelve (12) months, we have collected the Personal Information described above, and disclosed it to the third parties listed under the section “Sharing Personal Information” for the business purposes identified therein and under the section “Use of Personal Information.” This information falls into the following categories of Personal Information under the CCPA:
As disclosed above in “Sale and Sharing of Personal Information” we may engage in activity that may be considered “selling” or “sharing” Personal Information. If you wish to opt out of this use of your Personal Information, click here:.
We do not use or disclose sensitive Personal Information (indicated in the section “Personal Information We Collect” with an asterisk (*)) for purposes other than those specified in Cal. Code Regs. tit. 11, § 7027(m).
Below is a summary of your rights under the CCPA. Please note that these rights are not absolute, and, in certain cases, we may decline your request as permitted by law.
Consumer Right | Description |
|---|---|
| Access | You may request that we provide the following information about how we have collected and used your Personal Information:
|
| Request a Copy of Your Personal Information | You may request a copy of your Personal Information. You may submit a request that Company disclose the categories and specific pieces of Personal Information that we have collected, used, or disclosed about you. Please note that simply because Company has provided the categories of Personal Information it may collect pursuant to California law does not mean Company necessarily collected all of the specific pieces of Personal Information listed for any given person. Also, please note where Personal Information was disclosed within the past twelve (12) months, it may have been disclosed only to service providers. |
| Correction | You may request to edit or correct your Personal Information at any time. |
| Deletion | You may have the right, under certain circumstances, to request that we delete the Personal Information you have provided to us. |
| Opt Out of Sales and/or Sharing | The CCPA may classify our use of some services as “selling” or “sharing” your Personal Information with the partners that provide the services. You can opt out of the “selling” and/or “sharing” of your Personal Information. |
| Limit Processing of Sensitive Personal Information | We use sensitive Personal Information only as necessary for our (1) service delivery and operations, (2) compliance and protection, (3) quality control and improvements, or (4) Service improvement and analytics purposes in accordance with CCPA. If we use sensitive Personal Information outside the permitted purposes of CCPA, you have the right to limit such processing of sensitive Personal Information. |
Process | Description |
|---|---|
| Verification | In order to protect your Personal Information from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect your account has been accessed without your authorization, we may ask you to provide additional Personal Information for verification. Company is legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Information, you will also be required to confirm the deletion request by email. If we are subsequently unable to confirm your identity, we may refuse your rights request. |
| Use of Authorized Agents | You may use an authorized agent to submit a rights request. If you do so, the authorized agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your own identity directly with us and confirm with us that you provided the authorized agent permission to submit the rights request. This verification process is not necessary if your authorized agent provides documentation showing that the authorized agent has power of attorney to act on your behalf under Cal. Prob. Code §§ 4121 to 4130. |
Consumer Right |
Description |
|---|---|
| Confirm, Access, and Data Portability | You may request that we confirm whether we are processing your Personal Data. You may also request a copy of your Personal Data in a portable and readily usable format. |
| Correction | You may request to edit or correct your Personal Data at any time. |
| Deletion | You may have the right, under certain circumstances, to request that we delete the Personal Data you have provided to us. |
| Opt out of Tracking for Targeted Advertising Purposes | You can submit requests to opt out of tracking for targeted advertising purposes. |
| Opt Out of Profiling | You can opt out of the automated processing of your Personal Data to evaluate, analyze, or predict personal aspects related to your economic situation, health, personal preferences, interests, reliability, behavior, location, or movements, to the extent this results in decisions that produce legal or similarly significant effects. |
| Opt Out of Sales | The CPA may classify our use of some services as “selling” your Personal Data with the partners that provide the services. You may submit a request to opt out of “selling” of your Personal Data. |
| Non-Discrimination | You have the right to be free from discrimination related to your exercise of any of your Colorado privacy rights. |
Process |
Description |
|---|---|
| Authentication | In order to protect your Personal Data from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect that your account has been accessed without your authorization, we may ask you to provide additional Personal Data for verification. We are legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Data, you will also be required to confirm the deletion request by email. If we are subsequently unable to confirm your identity, we may refuse your rights request. |
| Use of Authorized Agents | You may use an authorized agent to submit a rights request. If you do so, the authorized agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your own identity directly with us and confirm with us that you provided the authorized agent permission to submit the rights request. |
Consumer Right |
Description |
|---|---|
| Confirm and Access | You may request that we confirm whether we are processing your Personal Data. You may also request a copy of your Personal Data. |
| Correction | You may request to edit or correct your Personal Data at any time. |
| Deletion | You may have the right, under certain circumstances, to request that we delete the Personal Data you have provided to us. |
| Opt out of Tracking for Targeted Advertising Purposes | You can submit requests to opt out of tracking for targeted advertising purposes. |
| Opt Out of Profiling | You can opt out of the automated processing of your Personal Data to evaluate, analyze, or predict personal aspects related to your economic situation, health, personal preferences, interests, reliability, behavior, location, or movements, to the extent this results in decisions that produce legal or similarly significant effects. |
| Opt Out of Sales | The CTDPA may classify our use of some services as “selling” your Personal Data with the partners that provide the services. You may submit a request to opt out of “selling” of your Personal Data. |
| Non-Discrimination | You have the right to be free from discrimination related to your exercise of any of your Connecticut privacy rights. |
Process |
Description |
|---|---|
| Authentication | In order to protect your Personal Data from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect that your account has been accessed without your authorization, we may ask you to provide additional Personal Data for verification. We are legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Data, you will also be required to confirm the deletion request by email. If we are subsequently unable to confirm your identity, we may refuse your rights request. |
| Use of Authorized Agents | You may use an authorized agent to submit a rights request. If you do so, the authorized agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your own identity directly with us and confirm with us that you provided the authorized agent permission to submit the rights request. |
Nevada provides its residents with a limited right to opt out of certain Personal Information sales. Residents who wish to exercise this sale opt out right may submit a request to the contact above under “CONTACT INFORMATION.”
To the extent the law applies to Company, Company is required under the Utah Consumer Privacy Act (“UCPA”) to provide certain information to Utah residents about how we collect, use, and share their Personal Data in our capacity as a business, and about the rights and choices Utah residents may have concerning their Personal Data. For purposes of this section, “Personal Data” has the meaning provided in the UCPA and does not include information exempted from the scope of the UCPA. Please note that we may claim legal exemptions for certain types of Personal Data and from certain parts of the UCPA.
This section applies only to Utah residents. As a Utah resident, you have the rights listed below. However, these rights are not absolute, and, in certain cases, we may decline your request as permitted by law.
To exercise any of these rights, please click here.
Consumer Right | Description |
|---|---|
| Confirm and Access | You may request that we confirm whether we are processing your Personal Data. You may also request a copy of your Personal Data. |
| Correction | You may request to edit or correct your Personal Data at any time. |
| Deletion | You may have the right, under certain circumstances, to request that we delete the Personal Data you have provided to us. |
| Opt out of Tracking for Targeted Advertising Purposes | You can submit requests to opt out of tracking for targeted advertising purposes. |
| Opt Out of Sales | The UCPA may classify our use of some services as “selling” your Personal Data with the partners that provide the services. You may submit a request to opt out of “selling” of your Personal Data. |
| Non-Discrimination | You have the right to be free from discrimination related to your exercise of any of your Utah privacy rights. |
Process | Description |
|---|---|
| Authentication | In order to protect your Personal Data from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect that your account has been accessed without your authorization, we may ask you to provide additional Personal Data for verification. We are legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Data, you will also be required to confirm the deletion request by email. If we are subsequently unable to confirm your identity, we may refuse your rights request. |
Consumer Right |
Description |
|---|---|
| Confirm, Access, and Data Portability | You may request that we confirm whether we are processing your Personal Data. You may also request a copy of your Personal Data in a portable and readily usable format. |
| Correction | You may request to edit or correct your Personal Data at any time. |
| Deletion | You may have the right, under certain circumstances, to request that we delete the Personal Data you have provided to us. |
| Opt out of Tracking for Targeted Advertising Purposes | You can submit requests to opt out of tracking for targeted advertising purposes. |
| Opt Out of Profiling | You can opt out of the automated processing of your Personal Data to evaluate, analyze, or predict personal aspects related to your economic situation, health, personal preferences, interests, reliability, behavior, location, or movements, to the extent this results in decisions that produce legal or similarly significant effects. |
| Opt Out of Sales | The VCDPA may classify our use of some services as “selling” your Personal Data with the partners that provide the services. You may submit a request to opt out of “selling” of your Personal Data. |
| Non-Discrimination | You have the right to be free from discrimination related to your exercise of any of your Virginia privacy rights. |
Process |
Description |
|---|---|
| Authentication | In order to protect your Personal Data from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect that your account has been accessed without your authorization, we may ask you to provide additional Personal Data for verification. We are legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Data, you will also be required to confirm the deletion request by email. If we are subsequently unable to confirm your identity, we may refuse your rights request. |