Privacy Policy for Estok Insurance LLC
Effective Date: 01/29/2025
Last Updated: 01/29/2025
Estok Insurance LLC (“we,” “our,” or “us”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect the information you provide to us, in compliance with applicable insurance laws, CMS regulations, and other relevant privacy laws.
1. Information We Collect
We may collect the following types of personal information:
- Personal Identifiable Information (PII): Name, address, phone number, email address, date of birth, Social Security Number (when necessary for insurance purposes), and other identifying details.
- Health Information: Medicare/Medicaid status, medical history, prescription drug use, and other health-related details necessary for insurance coverage.
- Financial Information: Income details, banking information (if required for payment or premium calculation), and other financial data relevant to insurance applications.
- Non-Personal Information: Data collected through cookies, web beacons, and similar technologies, such as IP addresses and browsing behavior on our website.
2. How We Use Your Information
We use the personal information we collect to:
- Assist with your insurance needs, including health, life, and Medicare plans.
- Comply with CMS and other regulatory requirements.
- Provide customer service and respond to your inquiries.
- Process applications, claims, or policy changes.
- Offer educational resources and updates on Medicare and other insurance programs.
- Conduct internal business operations, such as fraud prevention and data analytics.
We will not sell your personal information to third parties.
3. Disclosure of Your Information
We may disclose your information to:
- Insurance Providers: To obtain quotes, process applications, or manage your policies.
- CMS and Other Government Agencies: As required to comply with Medicare or Medicaid regulations.
- Service Providers: Third-party vendors who assist with operational tasks, such as data processing, website hosting, or customer support. These providers are bound by confidentiality agreements.
- Legal Requirements: When required by law or to protect the rights, safety, and property of our clients or our company.
4. Your Rights
Under applicable laws, you have the right to:
- Access, update, or correct your personal information.
- Request the deletion of your personal information, subject to legal and contractual obligations.
- Opt-out of marketing communications at any time.
- Request information about how your data is being used.
To exercise your rights, please contact us at [Insert Contact Information].
5. Security Measures
We implement industry-standard security measures to protect your personal information, including:
- Encryption of sensitive data during transmission.
- Secure servers and restricted access to your information.
- Regular monitoring and updates to our systems to prevent unauthorized access.
Despite our best efforts, no method of transmission or storage is 100% secure. By using our services, you acknowledge this risk.
6. Use of Cookies and Online Tracking
Our website may use cookies and similar technologies to enhance user experience and analyze website performance. You can manage your cookie preferences through your browser settings.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. Please review their privacy policies before providing any personal information.
8. Compliance with CMS and Insurance Laws
As a licensed insurance agency, we adhere to all CMS guidelines and federal and state insurance regulations. This includes ensuring the confidentiality and security of Medicare beneficiaries’ information as required by CMS and HIPAA.
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
10. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Any changes will be posted on our website with the updated effective date.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Estok Insurance LLC
Phone: (814) 460-5334
Email: rian@estokinsurance.com