OVERVIEW
This Privacy Policy describes how DBA ("we," "us," or the "Company") collects, uses, and discloses personal information from customers and users of our website and services. This Privacy Policy applies to 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 ("Services"). 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.
APPLICABILITY OF HIPAA AND GLBA
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, such as 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.
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 transfer your consent to be contacted via the texting program to any other entity.
SMS OPT-IN DETAILS
By providing your phone number and opting in, you consent to receive SMS and MMS messages from DBA regarding appointment reminders, billing notifications, and service updates.
SMS PRIVACY
By providing your phone number and opting in, you consent to receive SMS messages from DBA regarding appointment reminders, billing notifications, and service updates.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
You may opt out at any time by replying STOP to any SMS message. For assistance, reply HELP.
OPT-IN METHODS
You may opt in to receive text messages from us by:
Submitting a form on our website with a checkbox indicating consent to receive SMS messages.
Providing verbal consent during a call with our representatives.
Opting in through other electronic or written means where consent is clearly obtained.
MESSAGE FREQUENCY
Message frequency may vary depending on your interaction with our services and typically includes appointment reminders, billing notifications, and service updates.
OPT-OUT INSTRUCTIONS
You can opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will no longer receive text messages unless you opt back in.
HELP INSTRUCTIONS
For assistance, reply HELP or contact us using the contact information provided below.
MESSAGE & DATA RATES
Message and data rates may apply depending on your mobile carrier and plan.
PERSONAL INFORMATION WE COLLECT / SOURCES OF PERSONAL INFORMATION
The table below details the categories of Personal Information that we may collect or obtain through the operation of the Platform. In addition to the sources listed below, we may collect this information from third-party service providers or vendors, including data analytics providers.
Category
Contact Information
Consumers' and Agents' name, phone number, email address, and 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 usernames and passwords 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 number, or similar government-issued identification numbers.
We collect this information about Consumers during discussions with an Agent or representative when relevant to processing 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 may collect this information from Lead Vendors, insurance carriers, Agents, data brokers, and agencies.
Health Information
Consumers' health information provided during discussions with an Agent or representative that is relevant to insurance or financial product applications.
For example, notes indicating that a Consumer has diabetes when relevant to a life insurance application.
Sensory Information
Audio recordings of conversations with Consumers, representatives, and Agents regarding insurance or financial products.
We may also collect video snippets of website activity evidencing consent to be contacted.
This information may be collected from Lead Vendors, Agents, insurance carriers, and agencies.
Commercial Information
We collect information regarding:
Products requested by Consumers
Insurance and financial product applications
Products purchased
Insurance carrier information
This information may be provided by you, Lead Vendors, Agents, data brokers, insurance carriers, advertising networks, social media platforms, or agencies.
Internet or Other Similar Network Activity
We automatically collect information regarding your interaction with our Platform, including:
Browsing history
Referring website
Exit website
Session duration
Device identifiers
IP address
We may also receive this information from advertising networks.
Geolocation Data
We may collect geolocation information, including precise geolocation where permitted by law.
Educational and Professional Information
We may collect information regarding:
Educational background
Profession
Income
Product preferences
Consumer behavior
Asset ownership
This information may be obtained from data brokers and directly from Agents.
Some or all of the Personal Information categories marked as sensitive may be considered "Sensitive Personal Information" under applicable state laws.
We may also partner with payment processors and financial service providers to support our Platform.
We do not collect biometric information relating to an individual's physiological, biological, or behavioral characteristics, including DNA, that may be used to establish identity.
Your information may also be provided to us by your spouse or other family member.
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
We may use or disclose Personal Information for one or more of the following purposes:
Operate and maintain the Platform
Communicate with you regarding our services
Contact Consumers regarding insurance or financial products they have expressed interest in
Respond to inquiries
Process transactions
Personalize content and communications
Analyze use of our products and services
Develop new products and services
Comply with legal obligations
Protect our rights, property, safety, and the rights of others
Evaluate or complete a merger, acquisition, restructuring, sale, bankruptcy, or transfer of assets
By using our services, you consent to these transfers where permitted by law.
From time to time, we may send email or postal communications regarding announcements, confirmations, alerts, surveys, or other general communications. If you no longer wish to receive promotional email or postal communications, you may opt out by contacting us using the email address provided below.
We may also contact Agents, Consumers, and other users via SMS only when they have provided prior consent and only within the scope of that consent.
HOW WE SHARE THE PERSONAL INFORMATION WE COLLECT
We may disclose the categories of Personal Information described above to the following parties for the purpose of facilitating the sale of insurance and financial products to individuals who have expressed interest in such products.
With Our Service Providers
We may share Personal Information with third-party service providers who perform services on our behalf, including payment processors, email service providers, technology vendors, and other companies that help us operate our business.
With Our Business Partners
We may share information with insurance carriers, affiliated organizations, marketing organizations, and other business partners involved in the sale or servicing of insurance and financial products.
With Law Enforcement or Government Agencies
We may disclose Personal Information when required by law or when necessary to protect our legal rights or comply with legal processes.
With Our Independent Agents and Advisors
Licensed agents and advisors may access Personal Information that Consumers provide when requesting information regarding insurance or financial products.
With Data Analytics Providers
We may use analytics providers to better understand website usage and improve our services. These providers may collect internet activity information as permitted by law.
COOKIE POLICY
Our website may use cookies, pixel tags, web beacons, and similar technologies to improve your browsing experience and enhance website functionality.
Cookies may be used to:
Maintain website functionality
Analyze website traffic
Improve user experience
Measure website performance
You may disable cookies through your browser settings. Please note that disabling cookies may affect certain website features.
Where required by law, we will obtain your consent before placing non-essential cookies on your device.
CHILDREN UNDER THE AGE OF 16
Our Platform is not intended for individuals under the age of 16.
We do not knowingly collect Personal Information from children under 16 years of age. If we discover that we have collected Personal Information from a child under 16 without appropriate consent, we will promptly delete that information.
YOUR PRIVACY RIGHTS
Depending on your state of residence, you may have certain privacy rights, including:
Right to Know
Right to Access
Right to Correct
Right to Delete
Right to Opt-Out
Right to Appeal
Right to Non-Discrimination
These rights may be subject to applicable legal exceptions.
To exercise your rights, please contact us using the information provided at the end of this Privacy Policy.
We may request additional information to verify your identity before processing your request.
Authorized agents may submit requests on your behalf where permitted by law.
YOUR RIGHTS – CALIFORNIA
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended.
These rights may include:
Requesting access to your Personal Information
Requesting correction of inaccurate information
Requesting deletion of Personal Information
Requesting a copy of your Personal Information
Opting out of the sale or sharing of Personal Information where applicable
Limiting the processing of Sensitive Personal Information where permitted by law
To exercise these rights, please contact us using the contact information below.
RETENTION OF DATA
We retain Personal Information only for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.
When Personal Information is no longer required, we securely delete or anonymize it where feasible.
DATA SECURITY
We implement reasonable administrative, technical, and physical safeguards designed to protect your Personal Information from unauthorized access, disclosure, alteration, or destruction.
These safeguards include:
Encryption of sensitive information where appropriate
Secure authentication and access controls
Regular system monitoring
Employee privacy and security training
Limiting access to authorized personnel only
Although we take reasonable steps to protect your information, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security.
SMS Non-Sharing Statement
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
THIRD-PARTY APPLICATIONS AND INTEGRATIONS
Our Platform may integrate with third-party applications and services. We are not responsible for the privacy practices or content of these third-party providers and encourage you to review their individual privacy policies before using their services.
UPDATES TO THIS PRIVACY POLICY
We may revise this Privacy Policy from time to time. Any material changes will be posted on our website and will become effective upon posting unless otherwise required by law.
Your continued use of our website and services after any updates constitutes acceptance of the revised Privacy Policy.
CONTACT INFORMATION
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us:
DBA
Phone: (936)297-8452
Email: [email protected]
Address: 40753 Rosemary Rain ln, Magnolia TX 77354