PRIVACY POLICY

Diabetic Insurance Solutions

1. INTRODUCTION

This Privacy Policy describes how Diabetic Insurance Solutions ("we," "us," "our," "Producer," or "Agency") collects, uses, maintains, protects, and discloses information we receive from users ("you," "your") of the diabeticinsurancesolutions.com website ("Website"). This policy applies to the Website and all products and services offered by Diabetic Insurance Solutions.

2. INFORMATION WE COLLECT

2.1 Personal Information

We may collect several types of personal information from and about users of our Website, including:

-Contact information (name, email address, mailing address, phone number)-

-Date of birth and age

-Social Security Number (for insurance application purposes only)

-Financial information (income, net worth, financial objectives)

-Health information, particularly related to diabetes and other medical conditions

-Insurance history and current coverage details

-Beneficiary information

-Information provided on insurance applications

-Website usage data and communication preferences

2.2 Collection Methods

-We collect this information when you:

-Complete forms on our Website

-Request quotes or information about insurance products
-Apply for insurance coverage

-Communicate with us via email, phone, or other means

-Use interactive features of our Website
-Provide feedback or respond to surveys

2.3 Automatic Data Collection

As you navigate through our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data Information about your computer and internet connection, including your IP address, operating system, and browser type. Cookie data and similar technologies.

3. HOW WE USE YOUR INFORMATION

We use information that we collect about you or that you provide to us:

To present our Website and its contents to you to provide insurance quotes and process insurance applications to connect you with suitable insurance carriers based on your health profile, particularly diabetes-related information to fulfill our obligations as an insurance producer to provide you with information about insurance products that may interest you to communicate with you about your insurance needs and applications to improve our Website and customer service to conduct analytics and develop business strategies to comply with legal and regulatory requirements

4. DISCLOSURE OF YOUR INFORMATION

4.1 Insurance Carriers

We share your personal information, including health information related to diabetes and other conditions, with insurance carriers for the purpose of obtaining quotes, processing applications, and facilitating underwriting. These disclosures are necessary to provide you with the insurance services you request.

4.2 Service Providers

We may disclose your personal information to contractors, service providers, and other third parties we use to support our business operations. These parties are obligated to keep your information confidential and secure.

4.3 Legal Requirements

We may disclose your personal information to comply with any court order, law, or legal process, including to respond to any government or regulatory request, or to protect the rights, property, or safety of our business, our customers, or others.

4.4 Business Transfers

If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your personal information may be transferred as a business asset. You will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personal information.

5. HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

5.1 Protected Health Information

As a specialized agency serving individuals with diabetes, we collect and process protected health information (PHI) as defined under HIPAA. Our collection and use of PHI is subject to all applicable HIPAA regulations.

5.2 HIPAA Authorization

Before collecting or using your PHI for insurance application purposes, we will obtain your authorization as required by HIPAA. This authorization will specify how your PHI will be used and disclosed.

5.3 HIPAA Privacy Practices

We maintain appropriate physical, technical, and administrative safeguards to protect your PHI as required by HIPAA. Our complete HIPAA Notice of Privacy Practices is available upon request.

6. YOUR RIGHTS REGARDING YOUR INFORMATION

6.1 Access and Correction

You have the right to access, correct, or delete personal information we hold about you. To request access to or correction of your personal information, please contact us using the information provided in Section 11.

6.2 Opt-Out Rights

You may opt out of receiving promotional communications from us by following the unsubscribe instructions included in each communication or by contacting us directly.

6.3 State-Specific Rights

Depending on your state of residence, you may have additional privacy rights. For example:

California residents may have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)Virginia residents may have rights under the Virginia Consumer Data Protection Act (VCDPA)Colorado residents may have rights under the Colorado Privacy Act (CPA)

Please contact us for information specific to your state of residence.

7. DATA SECURITY

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. Any sensitive information, such as health information or Social Security Numbers, is encrypted using industry-standard technologies.

Despite our security measures, the transmission of information via the internet is not completely secure. While we strive to protect your personal information, we cannot guarantee the security of information transmitted to our Website. Any transmission of personal information is at your own risk.

8. COOKIES AND TRACKING TECHNOLOGIES

8.1 Cookies

Our Website uses cookies to enhance your experience, gather general visitor information, and track visits to our Website. You can set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. If you disable cookies, some parts of the Website may not function properly.

8.2 Third-Party Tracking

We may use third-party services, such as Google Analytics, to collect, monitor, and analyze data to better understand how users interact with our Website. These third parties may use cookies, web beacons, and other tracking technologies.

9. THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites, including insurance carrier websites. This Privacy Policy applies only to information collected by our Website. We are not responsible for the privacy practices or content of third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. CHANGES TO OUR PRIVACY POLICY

We may update our Privacy Policy from time to time. If we make material changes, we will post the new Privacy Policy on this page and change the "Last Updated" date below. We encourage you to review this Privacy Policy periodically.

11. CONTACT INFORMATION

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at:

Diabetic Insurance Solutions
1 E. Erie St

Chicago, Illinois 60611

info at diabetic insurance solutions dot com

13. CHILDREN'S PRIVACY

Our Website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information.

Last Updated: April 22nd, 2025