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Pearl Insurance Services ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, including our website, phone calls, SMS/text messaging, and other communications related to Medicare and life insurance sales. By engaging with our services, you consent to the practices described in this policy.

This policy complies with applicable laws, including the Health Insurance Portability and Accountability Act (HIPAA), the Telephone Consumer Protection Act (TCPA), and other federal and state privacy regulations.

 

1. Information We Collect

We collect information you provide directly to us and information collected automatically when you interact with our services. The types of information we may collect include:

Personal Information

Contact Information: Name, phone number, email address, mailing address.

Demographic Information: Age, date of birth, gender.

Health-Related Information: Information about your health, medical history, or insurance needs, as necessary to provide Medicare or life insurance quotes or services (subject to HIPAA compliance).

Financial Information: Payment details or other financial information required for processing transactions (e.g., premium payments).

Identification Information: Social Security number or other identifiers, where required for insurance applications or enrollment.

Automatically Collected Information

Website Usage Data: IP address, browser type, device information, pages visited, and time spent on our website.

SMS/Communication Data: Records of your consent to receive SMS messages, message content, and communication history.

Information from Third Parties

We may receive information from third-party partners, such as lead generation services, insurance carriers, or marketing platforms, provided they have obtained your consent to share such information.

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2. How We Use Your Information

We use your information to provide, improve, and personalize our services, including:

Providing Services: Offering Medicare and life insurance quotes, processing applications, and facilitating enrollment.

Communication: Contacting you via phone, email, or SMS to provide information about insurance products, updates, or promotions, with your prior consent where required (e.g., TCPA compliance for SMS).

Compliance: Meeting legal and regulatory requirements, such as HIPAA for protected health information (PHI) or state insurance regulations.

Marketing: Sending promotional materials or newsletters about our services, subject to your preferences and applicable laws.

Analytics: Analyzing website and service usage to improve our offerings and customer experience.

Security: Protecting against fraud, unauthorized access, or other illegal activities.

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3. SMS/Text Messaging

By providing your phone number and opting in to receive SMS/text messages, you consent to receiving communications from us, including:

Updates about your insurance quotes or applications.

Reminders for appointments or renewals.

Marketing messages about our services or products.

 

Opt-In and Opt-Out

 

​Opt-In: You will be asked to explicitly consent to receiving SMS messages (e.g., by replying "YES" or checking a box on a form).

 

Opt-Out: You may opt out of SMS messages at any time by replying "STOP" to any message or contacting us at (832) 344-3953 or adam@pearlinsured.com. We will promptly honor your request.

 

Standard message and data rates may apply. We will not send SMS messages without your prior express consent, as required by the TCPA.

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4. How We Share Your Information

We may share your information in the following circumstances:

With Insurance Carriers: To process your insurance applications or enrollments.

With Service Providers: With trusted third-party vendors (e.g., SMS platforms, CRM systems, or payment processors) who assist us in operating our business, provided they agree to protect your information and comply with applicable laws.

For Legal Compliance: To comply with legal obligations, such as responding to subpoenas, court orders, or regulatory requirements.

Business Transfers: In connection with a merger, acquisition, or sale of our business assets.

With Your Consent: When you explicitly authorize us to share your information.

We do not sell your personal information to third parties for marketing purposes without your consent.

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5. How We Protect Your Information

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

Encryption of sensitive data (e.g., PHI) during transmission and storage.

Access controls to limit who can view your information.

Regular security audits and employee training on privacy practices.

HIPAA-compliant procedures for handling protected health information.

Despite our efforts, no system is completely secure. If you suspect unauthorized access to your information, please contact us immediately.

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6. Your Rights and Choices

You have certain rights regarding your personal information, subject to applicable laws:

Access and Correction: You may request access to or correction of your personal information by contacting us.

Opt-Out: You may opt out of marketing communications, including SMS, as described above.

HIPAA Rights: If we handle your protected health information, you have rights under HIPAA, including the right to access, amend, or restrict the use of your PHI.

State-Specific Rights: Depending on your state (e.g., California under the CCPA), you may have additional rights, such as requesting deletion of your information.

To exercise your rights, contact us at (832) 344-3953 or adam@pearlinsured.com. We will respond within the timeframes required by law.

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7. Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. For example:

Contact information may be retained for ongoing customer relationships or marketing purposes (until you opt out).

Health-related information is retained in accordance with HIPAA retention requirements.

SMS consent records are retained to demonstrate TCPA compliance.

When information is no longer needed, we securely delete or anonymize it.

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8. Third-Party Links

Our website or communications may contain links to third-party websites (e.g., insurance carriers). We are not responsible for the privacy practices of these websites. Please review their privacy policies before providing your information.

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9. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

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10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website or via email or SMS, as appropriate. The effective date at the top of this policy will be updated accordingly.

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11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Pearl Insurance Services
6701 Rialto Blvd Unit 1101
Austin, TX 78735
(832) 344-3953
adam@pearlinsured.com

For SMS-specific inquiries, including opting out, reply "STOP" to any message or contact us directly.

 

By using our services, you acknowledge that you have read and understood this Privacy Policy.