Privacy Statement

We use your information to:

• Process insurance applications and claims.

• Underwrite policies and assess risks.

• Provide customer service and respond to inquiries.

• Comply with legal and regulatory requirements.

• Improve our website and services, including through analytics.

• Conduct joint marketing with partners, as permitted by law.

• ​We may share your nonpublic personal information (NPI) or protected health information (PHI) in the following cases:

• Mobile Opt-in consent or phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes​

• Affiliated Companies: With our affiliates to provide insurance products or services, as permitted by the Fair Credit Reporting Act (FCRA). You may opt out of certain affiliate sharing (see Section 5).

• Nonaffiliated Third Parties: With service providers who assist with claims processing, billing, or marketing, under agreements that limit their use of your information. You may opt out of sharing with nonaffiliates for marketing purposes (see Section 5).

• Legal Requirements: When required by law, such as to comply with a court order, report fraud, or respond to regulatory inquiries.

• Joint Marketing: With partners for joint marketing, as allowed under GLBA, without requiring your opt-out.

• We do not sell your personal information to third parties.

We maintain physical, electronic, and procedural safeguards to protect your personal information, including:

• Encryption of sensitive data, such as payment details and PHI, during transmission and storage.

• Restricted access to your information to authorized personnel only.

• Regular security assessments to ensure compliance with federal standards.

In the event of a data breach, we will notify affected individuals and authorities as required by law, typically within 72 hours for PHI under HIPAA.

You have the following rights regarding your personal information:

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• Opt-Out of Non-Affiliate Sharing: You may opt out of our sharing your NPI with nonaffiliated third parties for marketing purposes. To opt out, contact us at 931-538-1655 or trey@insureatlegacy.com.

• Opt-Out of Affiliate Sharing (FCRA): You may opt out of certain affiliate sharing of your credit-related information. Contact us to exercise this right.

• Access and Correct Information: You may request access to your personal information or correct inaccuracies. For PHI, contact us to request access or amendments as per HIPAA.

• Do Not Track (DNT): Our website does not respond to DNT signals, but we disclose our tracking practices transparently.

 

To exercise these rights, contact us at 931-538-1655 or trey@insureatlegacy.com. We will respond within 30 days, or as required by law.

If we collect or process protected health information (PHI), you have additional rights under HIPAA:

• Request access to or a copy of your PHI.

• Request corrections to inaccurate or incomplete PHI.

• Receive an accounting of disclosures of your PHI.

• Request restrictions on certain uses or disclosures of your PHI, though we are not always required to agree.

Contact our Privacy Officer at 931-538-1655 or trey@insureatlegacy.com for HIPAA-related requests.