(RBA )Reaume Benefits Advisors ("we," "us," or "our") is committed to ensuring the privacy and security of your personal data. This Privacy Policy explains how we collect, use, share, and protect your information, including health data, in accordance with HIPAA (Health Insurance Portability and Accountability Act), the Gramm-Leach-Bliley Act (GLBA), and other applicable state and federal laws.
By using our website or engaging with our services, you agree to the practices described in this policy.
Information We Collect:
We collect personal and health information necessary for delivering insurance services, including:
Personal Identification Information (PII): Name, address, phone number, email, social security number (SSN), and other identifying information.
Health Information: In accordance with HIPAA guidelines, we collect health-related data when required for underwriting, eligibility determination, and other insurance-related services.
Financial Information: Banking or payment information for premium payments and policy-related transactions.
Technical Information: IP addresses, browser types, and cookies to improve user experience and site performance.
How We Use Your Information:
We use the information we collect for the following purposes:
Insurance Services: To evaluate, recommend, and provide you with personalized insurance solutions.
Legal Compliance: To comply with HIPAA, GLBA, state privacy laws, and other relevant legal obligations.
Fraud Prevention: To protect against fraudulent activities and unauthorized access.
Communications: To provide customer support, send notifications about your account, or update you on important product information.
Data Sharing and Disclosure:
We do not sell your personal data. However, we may disclose your information in the following situations:
Service Providers: We may share data with trusted third-party service providers necessary for delivering our services, including insurance carriers and claims processors, provided they comply with strict confidentiality agreements.
Legal and Regulatory Requirements:
As required by law, including compliance with HIPAA, GLBA, or state privacy laws.
Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, personal information may be transferred with the business assets.
Data Security:
We implement industry-standard physical, administrative, and technical safeguards to protect your personal data. This includes:
Encryption: All sensitive information, including health and financial data, is encrypted during transmission and storage.
Access Controls: Only authorized personnel can access sensitive data, and they undergo regular security training and audits.
Regular Audits: To ensure compliance with HIPAA, GLBA, and other security regulations, we conduct regular internal audits and review procedures.
Your Rights:
Under U.S. privacy laws, including HIPAA and GLBA, you have the following rights regarding your personal information:
Access: You can request a copy of the personal information we hold about you.
Correction: You can request that we correct any inaccurate information.
Deletion: You can request that we delete your data (with certain legal exceptions).
Opt-Out: You can opt out of receiving promotional communications by following the unsubscribe instructions provided in those communications.To exercise your rights, please contact us using the information below.
Third-Party Links:
Our website may contain links to other sites. These third-party websites operate independently and may have their own privacy policies. We are not responsible for their privacy practices, and we encourage you to review their policies before providing any personal information.
Changes to This Privacy Policy:
We may update this Privacy Policy periodically to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of significant changes by posting the updated policy on this page.
Contact Information:
If you have any questions regarding this Privacy Policy or how we handle your data, please contact us HERE.