Privacy Policy

Date last updated: 07/22/2024

This Privacy Policy describes the collection, use, and disclosure practices with respect to the Seymour Insurance Services website. This Privacy Policy refers to visitors to and users of the Platform as “you”. The Platform is operated by Seymour Insurance Services (the “Company” or “we”).

The purpose of the Platform is to serve as the one-stop resource about Health Insurance ( Medicare and Individual/Family plan) for individuals who are interested in these insurance products.

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.

HIPAA

Because we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under the Health Insurance Portability and Accountability Act (“HIPAA”). Specifically, we act as a Business Associate (as defined by HIPAA) when we receive Protected Health Information (“PHI”) from you(including your name, contact information, date of birth, sex, street address, Medicare number, information about current Medicare policy, ethnicity and race, and other information) in the course of your application to a health plan carrier. For more information about how PHI is used and disclosed, please review the applicable health plan’s Notice of Privacy Practices.

This Privacy Policy applies to personal information that is not covered by HIPAA.

INFORMATION COLLECTED FOR TEXTING PROGRAM

Any information that we collect when you opt into receiving SMS and MMS text messages from us is used solely for the management of such texting communications program. We do not disclose such information to any other entities. We also do not transfer your consent to be contacted via the texting program to any other entity. The applicable terms for your participation in the texting program are available here.

PERSONAL INFORMATION WE COLLECT

The table below details the categories of Personal Information that we collect or obtain through the operation of the Platform. The Personal Information described below may be collected about your spouse as well, if you provide such information to us.

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We do not collect biometric information.

SMS opt-in or phone numbers for the purpose of SMS are not being shared.

We intend to keep the above categories of Personal Information for as long as reasonably necessary to achieve the business purposes for which they were collected.

USE OF PERSONAL INFORMATION

We may use or disclose the Personal Information that we collect for one or more of the following purposes:

• Operate the Platform, including finding appropriate insurance plans and processing your plan enrollment requests;
• Communicate with you regarding the Platform;
• Connect you with a licensed insurance agent at your request;
• Address your inquiries;
• Process transactions;
• Tailor the content and information that we may send or display to you;
• Analyze use of our products and services;
• Develop new products and services;
• Comply with legal obligations;
• Protect our rights, property, and safety or the rights, property, and safety of others;
• Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred. You hereby consent to such transfers and we may assign and transfer all of the rights, benefits, duties, and obligations of this Privacy Policy, under the circumstances described in this paragraph.

From time to time, we may contact you via personal phone call, email, and mail, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email or mail from us, you may opt out of such communications by contacting us at the toll-free number or email address listed below.

We may also contact you via text if you provide your consent to receive text communications on a texting consent page.

SHARING PERSONAL INFORMATION

We may disclose all categories of Personal Information described above in “Personal Information We Collect” to the third parties listed below for the purpose of facilitating the sale of insurance products to individuals who are interested in purchasing such products.

• With Our Service Providers. We may share Personal Information about you with third parties who perform services for us or on our behalf. For example, this may include payment processors or other operating systems or platforms that help us run our services.
• With Our Business Partners. We may share Personal Information (but not Personal Information that you provide when opting into text messaging communications) with the independent licensed insurance agents who are contracted to sell insurance policies with the same carriers as us, and business partners that assist us with analytics, marketing, and advertising.
• With Law Enforcement, Government Agencies, or Parties to a Legal Proceeding. We may share Personal Information with such entities to comply with the law or assist in law enforcement.
• With our independent licensed agents. Licensed insurance agents have access to Personal Information that is provided by you when you request information regarding insurance products.
• With Data Analytics Providers and Advertising Service Providers. Third-party data analytics providers may collect Personal Information about users over time and across different websites, applications, and devices for the purposes of targeted advertising. These providers may collect Personal Information, specifically internet or other similar network activity information, social media information, and/or commercial information in this manner on our Platform. For more information on these third parties, please see the below “Cookie Policy.”
  
  We partner with these third parties to tailor and customize our advertising to Users. The practice of targeted advertising may be considered a “sale” of Personal Information under some state laws. For more information about your choices related to this practice, please see “Rights Regarding Personal Information,” below.

COOKIE POLICY

The website on which the Platform is hosted may use cookies, pixel tags, web beacons, and similar technologies to track and enhance user experience. 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.

Users may choose to set their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of the Platform may not function properly. Our website does not recognize “Do Not Track” signals, however 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.

RIGHTS REGARDING PERSONAL INFORMATION

You may have the following rights (“Data Subject Rights”) with respect to the Personal Information that we collect or process about you. These rights differ depending on where you live (including specifically in California, Virginia, Colorado, Connecticut, and Utah), but we will endeavor to respect these rights regardless of your place of residence. Please note that we reserve the right to honor your Data Subject Rights as required by applicable law.

• Right to Access and Obtain a Copy: If you ask us, we will confirm whether we are processing your Personal Information and, if so, provide you with a copy of all Personal information you are lawfully entitled to receive along with certain other details. In addition, you may request to know the types of third parties with whom we share your Personal Information, and the categories of Personal Information we share with them.
• Right to Amend: If you believe your Personal Information is inaccurate or incomplete, you are entitled to request that we correct or complete it. If you ask us, and where possible and lawful to do so, we will also tell you with whom we shared your Personal Information so you can contact them directly.
• Right to Delete: You may request that we delete or remove your Personal Information. If we shared your Personal Information with others, we will tell them about the erasure as directed by law.
• Right to Restrict Processing: You may ask us to restrict or ‘block’ the processing of your Personal Information in certain circumstances, such as if we process Personal Information that is considered “sensitive” under applicable state laws or engage in automated decision-making.
• Right to Opt Out of Targeted Advertising: Targeted advertising is the practice of serving you tailored advertisements based your Personal Information gathered across other businesses, websites, applications, or services. You have the right to opt out of this practice.
• Right to Opt Out of sales: Some states consider targeted adverting a “sale” of Personal Information. You may request that we not “sell” your Personal Information.
• Right to Non-discrimination: We will not discriminate against you for exercising these rights, but we may charge a reasonable fee as permitted by law in fulfilling these rights, such as if you request multiple copies of your Personal Information.

If you or your authorized agent wish to exercise any of these Data Subject Rights, contacting us at the toll-free number or email address listed below. Before responding to your request to exercise Data Subject Rights, we may require additional information from you to verify your identity or clarify your specific request. We will try to comply with your request as soon as reasonably practicable and in compliance with applicable law. Where appropriate, we will work with third parties in order to fulfil your request. If we deny any of the above rights, you may have the right to appeal the decision with us by submitting an appeal request to us using the contact information listed below. Additionally, you may have the ability to contact your state’s attorney general if you have concerns about the results of the appeal.

ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS

The following disclosures are made in compliance with the California Consumer Privacy Act (CCPA), as amended. In the past 12 months, we have collected the Personal Information described above, and disclosed it to the third parties listed under the section “Sharing Personal Information.” This information falls into the following categories of Personal Information under the CCPA:

• Identifiers
• Categories of Personal Information described in section 1798.80(e) of the California civil code
• Characteristics of protected classifications under California or federal law
• Commercial information
• Geolocation information
• Internet or electronic network activity information
• Employment information
• Sensitive personal information (health information, account log-in credentials, and precise geolocation)

We do not use or disclose “sensitive” Personal Information, listed above, for purposes other than those specified in Cal. Code Regs. tit. 11, § 7027(m).

ADDITIONAL NOTICE TO NEVADA RESIDENTS

Nevada law permits Nevada residents to request that we not sell their personal information. We do not sell personal information as defined by Nevada law. If you are a resident of Nevada and would like to request that we not sell your information in the future, please contact us by following the steps below in ‘Contact Information.’

CONTACT INFORMATION

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: 1-855-411-6948

Email seymour@myhealth-wealth.info