Privacy Policy
Privacy Policy Last Updated on October 1, 2021
This Privacy Policy describes our practices for collecting and using information we collect through this website and has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and your use of the calls to action and enrollment platform (collectively the “Site”).
Information that we collect and process includes protected health information or PHI. The privacy and security of your PHI is protected by the Health Insurance Portability and Accountability Act of 1996, as amended, (“HIPAA”) and its implementing regulations, including its final privacy regulation, at 45 C.F.R. Parts 160 and 164 (known as the “Privacy Rule”), as administered by the federal Department of Health and Human Services. HIPAA places certain restrictions on the use and disclosure of PHI and requires us to protect the privacy and security of your PHI.
What personal information do we collect?
We receive and store any information you enter on our Site or give us in any other way. We also collect certain information automatically when you use or visit our Site. Information we collect from visitors of our Site includes information that will be collected automatically using cookies and similar technologies. We also collect information from you, including your name, address and email address and your phone number. We will also collect other demographic and personal information about you, including your PHI which is protected by HIPAA. If you choose to enroll with a health plan on our site, your PHI is transferred through the Site to the health plan you have chosen.
How do we use your information?
Any of the information we collect from you may be used to personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested, to improve our website in order to better serve you, and to allow us to better service you in responding to your questions and comments.
The information that is collected with the tools on this Site may be used to assist your enrollment in the health plan you have chosen. You consent to have that information provided to the Site and then transferred to that health plan.
We may also use your information to troubleshoot problems, comply with a legal obligation such as court orders, or other legal process; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law, and to respond as required for a corporate transaction, such as a divestiture, investment, merger, consolidation, or asset sale, or other significant matter.
How do we protect your information?
While no website can guarantee complete security, we use commercially reasonable efforts to protect your information, including maintaining adequate physical, procedural and technical security with respect to its offices and informational storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of your information under our control.
How We Share Information
We may share information we receive about you as follows or as otherwise described in this Privacy Policy:
We may share information we receive about you with our service providers who need access to such information to provide services to us on our behalf.
We may share consumer reviews we receive from you with the companies that are the subject of the review and with our affiliates or other entities with whom we have a business relationship. These entities may post these reviews on their respective websites.
We may also share information (including your first name and, in some cases, your email address, full name, address, or phone number) from comments that you have posted on our website, forms you have filled out, and other submissions, with our business partners, who may use those submissions for analysis and marketing purposes.
We may disclose information if we have a good faith belief that we are required to do so to comply with the law or legal process, such as in response to subpoenas, courts orders, or requests by government authorities, law enforcement authorities, courts, or regulators, including lawful requests by public authorities to meet national security or law enforcement requirements.
We may also disclose information if we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property or safety of Retirement Living or others.
As we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses, or sell some or all of our assets. In such transactions, or during related negotiations, we may share user information.
We may share information between and among Retirement Living and our current and future parents, affiliates, subsidiaries and other companies under common control or ownership.
We may share your information when we otherwise have your permission.
How do we store and encrypt your data?
None of your data is stored on a device. Your data is stored at secure locations that use encryption to protect your data when stored on these computer servers or when storing it with a third party. Your data is also encrypted while it is being transmitted.
Online Analytics and Tailored Advertising
We may allow other companies to provide analytics services and serve advertisements on our behalf across the internet and in applications. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through apps used for behavioral advertising purposes.
Links
The Services may contain links to outside websites and services. We are not responsible for the privacy policy or other practices employed by sites and services linked to or from our Services nor the information or content available there.
Security
We are committed to data security. We use reasonable measures to help protect information about you from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction.
Information Access and Account Cancellation
If you wish to deactivate your account or request that we no longer use your information, please contact us at mmilinsurance@gmail.com. Please note that we may retain certain information as required by law or for legitimate business purposes. We may also retain cached or archived copies of information about you for a certain period of time.
Cookies and Trackers
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies, although some Services may not function properly if you disable cookies. If you do not want to receive tracking pixels, you will need to disable HTML images in your email client, but that may affect your ability to view images in other email that you receive. Please see the Adobe website for comprehensive information on how to delete or disable local shared objects known as Flash cookies. Also, this site uses Google Analytics. To opt out of Google Analytics please visit https://www.google.com/settings/ads.
You may also visit the following sites to opt out of behavioral advertising: http://networkadvertising.org/choices/ or http://www.aboutads.info/choices/.
COPPA (Children Online Privacy Protection Act)
The Site is not a general audience Site; we do not offer subscriptions or services to individuals under 18 years of age. No one under the age of 18 may provide any information to or on the Site. We do not knowingly collect personally identifiable information or PHI from individuals under 18. If you are under 18, do not use or provide any information on this Site or on or through any of its features, do not register on this Site, use any of the features of this Site, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.
Transfer of Information to the United States
The Services are hosted in the United States. Therefore, we and our service providers may transfer your information to, or store or access it in, jurisdictions that may not provide equivalent levels of data protection as your home jurisdiction. We will take steps to ensure that your personal data receives an adequate level of protection in the jurisdictions in which we process it.
When we transfer personal data from the European Union or Switzerland to the United States, we comply with the EU-U.S. Privacy Shield Framework and the Swiss – U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal data transferred from the European Union and Switzerland to the United States, respectively. medicare.michaelminsuranceservices.com has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov.
In compliance with the Privacy Shield Principles, we are committed to resolving complaints about our processing of your personal data. EU and Swiss individuals with inquiries or complaints regarding our compliance with the Privacy Shield program should first contact us. We have further committed to refer unresolved Privacy Shield complaints to JAMS, an alternative dispute resolution provider located in the United States. If you do not receive timely acknowledgment of your complaint from us, or if we have not addressed your complaint to your satisfaction, please contact or visit https://www.jamsadr.com/file-an-eu-us-privacy-shield-or-safe-harbor-claim for more information or to file a complaint. The services of JAMS are provided at no cost to you.
Under certain conditions, you may be able to invoke binding arbitration to resolve your complaint. medicare.michaelminsuranceservices.com is subject to the investigatory and enforcement powers of the Federal Trade Commission.
If we share personal data transferred to the U.S. under the Privacy Shield with a third-party service provider that processes such data on our behalf, then we will be liable for that third party’s processing in violation of the Privacy Shield Principles, unless we can prove that we are not responsible for the event giving rise to the damage.
Information for California Residents
Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act (“CCPA”) requires us to disclose the following information with respect to our collection, use, and disclosure of personal information.
Categories of Personal Information Collected: In the preceding 12 months, we have collected the following categories of personal information: identifiers; internet or other electronic network activity information; and other information that relates to or is reasonably capable of being associated with you. For examples of the precise data points we collect, please see “Collection of Information” above.
Business or Commercial Purposes for Collecting and Using Data: For each category of personal information we collect, we may use the personal information for the business and commercial purposes listed in “How We Use Information” above.
Categories of Sources of Personal Data: Each category of personal information we collect is collected from you and the sources described in “Information We Collect from Other Sources” above.
Categories of Personal Data Disclosed: In the preceding 12 months, we have disclosed the following categories of personal information for business or commercial purposes: identifiers; and internet and electronic network activity information.
Categories of Third Parties With Whom We Share Data: We may share each category of personal information that we collect with the third parties listed in ‘How We Share Information’ above.
Exercising Your CCPA Rights
We describe how California consumers can exercise their rights under the CCPA below. You may also designate an authorized agent to exercise these rights on your behalf by emailing mmilinsurance@gmail.com. Please note at this time the CCPA only applies to California residents.
Right to Know: You may request access to the specific pieces of personal information we have collected about you in the last 12 months. You may also request additional details about our information practices, including the categories of the personal information we have collected about you, the sources of such collection, the categories of personal information we share for a business or commercial purpose, and the categories of third parties with whom we share your personal information.
Deletion: You may request that we delete the personal information we have collected from or about you. Please note that we may retain certain information as required or permitted by applicable law. If you request to delete your personal information, some of our Services may no longer be available to you.
Sale of Personal Information: California law requires that we provide transparency about Personal Information we “sell,” which for the purposes of the CCPA, broadly means scenarios in which we have shared personal information with partners in exchange for valuable consideration, and to give you the ability to opt out of such sales. We share information that identifies you personally such as your name or email address when you submit a review, request information, or otherwise interact with the Services.
Note that in order to opt out of cookie and other device identifier sharing, you will need to exercise this choice on every browser or device you use to access our Services, and you will need to renew your choice if you clear your cookies.
We will not discriminate against you for exercising any of your consumer rights under CCPA. We will not deny you goods or services, provide you with a different level or quality of goods or services, nor suggest that you may receive a different level or quality of goods or services.
Your European Union and Swiss Privacy Rights
If you are in the European Economic Area (“EEA”) or Switzerland, you have certain rights and protections under the law regarding the processing of your personal data.
Legal Basis for Processing
If you are a resident of the EEA or Switzerland, when we process your personal data we will only do so in the following situations:
We need to use your personal data to perform our responsibilities under our contract with you (e.g., providing the Services you have requested).
We have a legitimate interest in processing your personal data. For example, we may process your personal data to send you marketing communications, to communicate with you about changes to our Services, and to provide, secure, and improve our Services.
You have provided consent for us to process your personal data.
Data Subject Requests
If you are in the EEA, you have the right to access personal data we hold about you and to ask that your personal data be corrected, erased, or transferred. You may also have the right to object to, or request that we restrict, certain processing. If you are in Switzerland, you have the right to access, correct or erase the personal data we hold about you. You may also have the right to object to, or request that we restrict certain processing. If you would like to exercise any of these rights, please contact us at mmilinsurance@gmail.com.
Questions or Complaints
If you are in the EEA or Switzerland and have a concern about our processing of personal data that we are not able to resolve, you have the right to lodge a complaint with the data protection authority where you reside. For contact details of your local EEA Data Protection Authority, please see: http://ec.europa.eu/justice/data-protection/article-29/structure/data-protection-authorities/index_en.htm. For Swiss residents, contact details of the Swiss data protection authority, the Federal Data Protection and Information Commissioner (FDPIC) are available here: https://www.edoeb.admin.ch/edoeb/en/home/the-fdpic/contact/address.html.
Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below.
Contact Us
If there are any questions regarding this privacy policy, you may contact us using the information below.
Michael M Insurance Services
PO Box 465
Brightwaters, NY 11718
US
Email: mmilinsurance@gmail.com