Privacy Policy

Introduction

The Bumgardner Insurance Group ("BIG," "we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal and health 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 in any capacity.

As a licensed insurance agency operating in Florida and other states, we are subject to federal and state privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA), the Gramm-Leach-Bliley Act, and Florida insurance regulations. This policy describes our practices in accordance with these requirements.

Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, address, phone number, email address
• Demographic Information: Age, date of birth, gender, marital status
• Financial Information: Income, employment information, bank account details for premium payments
• Insurance Information: Current coverage, claims history, beneficiary information
• Health Information: Medical history, prescription medications, health conditions (when relevant to insurance applications)
• Government Identifiers: Social Security number, Medicare number, driver's license number

Website Usage Information

• Technical Data: IP address, browser type, device information, operating system
• Usage Data: Pages visited, time spent on site, referring websites
• Cookies and Tracking: We use cookies and similar technologies to improve your experience

How We Collect Information

• Directly from you through forms, applications, phone calls, and consultations
• From insurance companies and healthcare providers (with your consent)
• From public records and databases
• Through our website and digital interactions
• From third-party lead generation services (when you've consented to sharing)

How We Use Your Information

We use your information for the following purposes:

Insurance Services

• Providing insurance quotes and recommendations
• Processing insurance applications and enrollments
• Facilitating communication with insurance carriers
• Assisting with claims and customer service issues
• Conducting annual enrollment reviews and plan comparisons

Business Operations

• Maintaining client records and communication history
• Scheduling appointments and consultations
• Processing payments and commissions
• Compliance with regulatory requirements and reporting
• Training and quality assurance

Marketing and Communication

• Sending educational materials about insurance options
• Notifying you of important deadlines and enrollment periods
• Providing updates about plan changes or new offerings
• Conducting customer satisfaction surveys

How We Share Your Information

We may share your information in the following circumstances:

With Your Consent

• Insurance carriers for quotes, applications, and enrollment
• Healthcare providers for plan verification
• Third-party administrators for claims processing

Legal and Regulatory Requirements

• State insurance departments for licensing and compliance
• Federal agencies (CMS, IRS) for Medicare and ACA reporting
• Law enforcement when required by law or court order
• Regulatory audits and examinations

Business Partners

• Technology service providers (with appropriate safeguards)
• Professional services (legal, accounting) under confidentiality agreements
• Marketing platforms for authorized communications

We Do NOT Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Any sharing is limited to the purposes described above and in accordance with applicable laws.

Data Security and Protection

We implement comprehensive security measures to protect your information:

Technical Safeguards

• Encryption of data in transit and at rest
• Secure servers and databases with access controls
• Regular security updates and vulnerability assessments
• Multi-factor authentication for system access

Administrative Safeguards

• Employee training on privacy and security requirements
• Background checks for personnel with access to sensitive data
• Regular privacy and security policy reviews
• Incident response procedures for potential breaches

Physical Safeguards

• Secure office facilities with controlled access
• Locked filing cabinets for physical documents
• Secure disposal of sensitive documents
• Clean desk policies and screen locks

Your Privacy Rights

You have the following rights regarding your personal information:

Access and Correction

• Request access to your personal information we maintain
• Request correction of inaccurate or incomplete information
• Receive a copy of your information in a portable format

Communication Preferences

• Opt out of marketing communications (while maintaining service-related communications)
• Choose your preferred method of communication
• Request restrictions on certain uses of your information

HIPAA Rights (for Health Information)

• Request an accounting of disclosures of your health information
• Request restrictions on use and disclosure of health information
• Request confidential communications
• File a complaint with us or the Department of Health and Human Services

Cookies and Website Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve website functionality and user experience
• Provide relevant content and advertisements

You can control cookies through your browser settings. However, disabling cookies may affect website functionality and your user experience.

Third-Party Analytics

We may use third-party analytics services (such as Google Analytics) to understand how visitors use our website. These services may collect information about your use of our site and other websites.

Data Retention

We retain your information for the following periods:

• Active Client Records: For the duration of our business relationship plus 7 years
• Insurance Applications: As required by state insurance regulations (typically 3-7 years)
• Health Information: In accordance with HIPAA requirements (minimum 6 years)
• Marketing Communications: Until you opt out or we determine it's no longer necessary
• Website Data: Typically 2-3 years unless longer retention is required

We securely dispose of information when it's no longer needed for business or legal purposes.

Children's Privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.

State-Specific Privacy Rights

Florida Residents

Under Florida law, you have additional rights regarding your personal information, including:

• Right to know what personal information we collect and how it's used
• Right to request deletion of personal information (subject to legal and business requirements)
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

Other State Laws

If you reside in a state with specific privacy laws (such as California's CCPA or Virginia's CDPA), you may have additional rights. Please contact us to learn more about rights specific to your state.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website with a new effective date
• Sending email notification to our clients
• Providing notice during your next consultation or interaction with us

Your continued use of our services after the effective date of changes constitutes acceptance of the updated Privacy Policy.

Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or need to report a privacy concern, please contact us:

We will respond to your privacy requests within 30 days of receipt. For urgent privacy concerns, please call us directly at (863) 400-0431.