Privacy Policy

Our Commitment to Your Privacy

Wind Harbor Insurance Agency LLC ("we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, use our services, or interact with us regarding Medicare and Life Insurance products.

Information We Collect

Personal Information

We may collect the following types of personal information:

Contact Information:

• Name, address, phone number, and email address
• Emergency contact information

Financial Information:

• Social Security Number
• Bank account information for premium payments
• Credit card or payment information
• Income information (when required for eligibility determinations)

Health Information:

• Medical history and current health status
• Prescription medication information
• Healthcare provider information
• Medicare beneficiary information

Insurance Information:

• Current insurance coverage details
• Claims history
• Beneficiary information
• Policy preferences and needs

Website Information

When you visit our website, we may automatically collect:

• IP address and browser information
• Pages visited and time spent on our site
• Cookies and similar tracking technologies
• Device information and operating system

How We Use Your Information

We use your personal information for the following purposes:

Insurance Services:

• Providing quotes and policy recommendations
• Processing insurance applications and claims
• Communicating about your policies and coverage
• Conducting policy reviews and updates

Legal and Regulatory Compliance:

• Complying with federal and state insurance regulations
• Meeting Medicare and CMS requirements
• Responding to legal proceedings or regulatory inquiries
• Preventing fraud and ensuring security

Business Operations:

• Improving our services and website functionality
• Conducting market research and analysis
• Sending service-related communications
• Maintaining business records

How We Share Your Information

We may share your personal information in the following circumstances:

Insurance Companies:

• With insurance carriers to obtain quotes and process applications
• For underwriting, claims processing, and policy administration

Service Providers:

• Third-party vendors who assist with our business operations
• Technology providers for website maintenance and security
• Payment processors for premium collection

Legal Requirements:

• When required by law, regulation, or court order
• To comply with Medicare and insurance regulatory requirements
• In response to subpoenas or other legal process

Business Transfers:

• In connection with a sale, merger, or acquisition of our business

We do not sell your personal information to third parties for marketing purposes.

Medicare-Specific Privacy Protections

As a Medicare insurance agency, we comply with additional privacy requirements:

• We follow Centers for Medicare & Medicaid Services (CMS) privacy regulations
• We protect Medicare beneficiary information according to federal guidelines
• We maintain appropriate safeguards for Medicare enrollment and plan information
• We comply with Medicare marketing and communication rules

Your Privacy Rights

You have the right to:

Access and Correction:

• Request access to your personal information
• Request corrections to inaccurate information
• Update your contact preferences

Communication Preferences:

• Opt out of marketing communications
• Choose how we contact you about your policies
• Request to be placed on our Do Not Call list

Data Protection:

• Request deletion of your information (subject to legal requirements)
• Understand how your information is being used
• File complaints about our privacy practices

Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of sensitive data during transmission and storage
• Secure servers and databases with restricted access
• Regular security audits and updates
• Employee training on privacy and security practices
• Incident response procedures for data breaches

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Ensure website security and functionality

You can control cookies through your browser settings, though this may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

State-Specific Privacy Rights

Depending on your state of residence, you may have additional privacy rights under state law, including:

California Residents (CCPA):

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

Other State Laws:

• We comply with applicable state privacy and insurance laws
• Additional rights may apply based on your state of residence

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing notice as required by law

Contact Information

Regulatory Information

Wind Harbor Insurance Agency LLC is licensed to sell insurance in Pennsylvania. We are subject to regulation by state insurance departments and, for Medicare products, by the Centers for Medicare & Medicaid Services (CMS).

For Medicare-related privacy concerns, you may also contact:

• Medicare.gov
• 1-800-MEDICARE (1-800-633-4227)