Terms & Privacy

On this page, you will find our Terms of Service and Privacy Policy. Thank you again for trusting us with your insurance needs.

Terms of Service

1. Acceptance of Terms

By using our agency's services, you agree to comply with and be bound by these Terms of Service, as well as comply with all applicable laws and regulations.

2. Services Provided

We enroll clients in health and life insurance products and related services regulated under state law and federal regulations, including enrollment assistance, policy servicing, and claims support. We may also provide communications regarding plan options, regulatory changes, and service notifications necessary to maintain your coverage.

3. Regulatory Compliance and Record Retention

In accordance with Florida state law and Centers for Medicare & Medicaid Services (CMS) requirements, we retain all information related to insurance enrollments and claims for a minimum of ten (10) years from the date of enrollment or last activity. This retention applies to all customer personal information, health data, and transaction records to comply with legal and regulatory obligations.

Retention Limitations: While we are required to maintain records for the periods mandated by law and regulation, clients should note that this retention requirement is non-negotiable and cannot be modified upon request. Records will not be deleted during the required retention period, as such deletion would violate federal and state compliance obligations and would prevent us from providing essential service support, claims assistance, and regulatory responses on your behalf.

Upon expiration of applicable retention periods, records will be securely destroyed consistent with industry standards and applicable law.

4. Information Accuracy

Clients agree to provide accurate, complete, and updated information as part of the enrollment and service process. Clients must understand that failure to provide accurate and complete information in a timely manner may cause them to be enrolled in a less than optimal plan, resulting in higher costs and/or lesser coverage.

5. Use of Information

We use your information solely to:

Facilitate insurance enrollment and policy servicing
Process claims and support claims-related inquiries
Comply with legal and regulatory frameworks
Provide customer service and policy administration
Communicate changes to your coverage or plans
Respond to your inquiries and requests

6. Disclosures

Information may be disclosed to insurance carriers, government agencies including CMS, and other authorized entities strictly for the purposes permitted by law and regulation. Such disclosures are necessary to provide your insurance services and ensure regulatory compliance.

7. Accountability

Our agency follows all guidelines ensuring fair and non-discriminatory treatment of clients in compliance with federal and Florida statutes.

8. Limitation of Liability

Our agency will make reasonable efforts to provide accurate information and service; however, we are not liable for any indirect, incidental, or consequential damages arising from the use of our services or information provided.

9. Communication Preferences and Opt-Out Rights

Your Communication Choices: You have the right to control how we communicate with you regarding non-essential communications. You may opt out of certain communications, including but not limited to marketing materials, informational emails, and non-urgent notifications, while remaining enrolled in and receiving service for your insurance plan(s).

How to Opt Out: To opt out of non-essential communications, you may:

Contact our agency directly via phone, email, or written request to our compliance officer
Use the unsubscribe link provided in email communications
Submit a written opt-out request specifying which communication types you wish to decline

What You Cannot Opt Out Of: You cannot opt out of communications that are essential to maintain your coverage, including but not limited to:

Required regulatory notices and disclosures
Plan changes or renewal notifications
Claims-related communications
Billing and payment notifications
Responses to direct inquiries you initiate
Compliance and enrollment verification communications

Honoring Your Preferences: We will honor your opt-out request within ten (10) business days and will maintain a record of your communication preferences. You may change your communication preferences at any time by contacting our agency.

10. Changes to Terms

We reserve the right to modify these Terms of Service as required to comply with changes in law or business practices, with notification to clients as required by law. Continued use of our services following notification of changes constitutes acceptance of the modified terms.

Privacy Policy

1. Information We Collect

We collect nonpublic personal information including but not limited to:

Personal identification (e.g. name, address, contact information, Social Security number, Medicare beneficiary ID)
Health information relevant to insurance enrollment and coverage
Insurance applications and enrollment forms
Transactional information related to policies and claims
Communications with the agency
Financial information necessary for premium payment and billing
Beneficiary-related data as applicable

2. Use of Personal Information

Your information is collected and used exclusively to:

Provide insurance services and support
Evaluate applications and process enrollments
Administer policies and maintain coverage
Process and respond to claims
Comply with CMS, Florida regulatory requirements, and other legal obligations
Communicate with you regarding your policies and coverage
Respond to your inquiries and service requests
Maintain records required by law and regulation

3. Information Sharing

We may share your information with insurance carriers, CMS, and state regulatory bodies as required to provide enrollment services and as required by law. Such sharing occurs only for purposes necessary to administer your coverage and fulfill our regulatory obligations.

We do not sell or rent your personal information to third parties for their independent use or marketing purposes. Any disclosure of your information to third parties occurs solely as permitted or required by law and is limited to the minimum information necessary to accomplish the required purpose.

4. Data Protection and Safeguards

We implement reasonable operational, administrative, technical, and physical safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction, consistent with CMS and Florida data protection requirements. These safeguards include:

Secured access to client information systems
Encryption of sensitive data in transit and at rest
Access controls limiting information to authorized personnel only
Regular security assessments and updates
Business continuity and disaster recovery procedures
Training for all staff on data protection and confidentiality

5. Retention of Information

In compliance with Florida law and CMS regulations, we retain all enrollment and related information for at least ten (10) years from the date of enrollment or last activity.

Important Note on Retention: Federal and state regulations require us to maintain your records for specific periods to ensure we can provide ongoing service support, respond to claims issues, comply with regulatory audits, and fulfill legal obligations. We cannot delete or destroy your records during the required retention period, even upon your request, as doing so would violate regulatory requirements and compromise our ability to serve you and respond to claims or compliance inquiries.

Information retained solely to comply with legal requirements will not be used for any other purpose and will not be disclosed except as required by law or regulation.

6. Your Rights and Choices

Access and Correction: You have the right to access and request corrections to your personal information maintained by our agency. To exercise this right, contact our compliance officer with specific details about the information you wish to review or correct.

Communication Preferences: You have the right to control non-essential communications from our agency while maintaining your coverage and service. See Section 9 of the Terms of Service for detailed information on how to manage your communication preferences and opt-out options.

Limited Opt-Out Rights: While you may opt out of certain non-essential communications, you acknowledge that we must retain your personal information as required by law and that opting out of communications does not limit our ability or obligation to retain records as mandated by CMS and Florida regulations.

Information About Our Data Practices: You have the right to be informed about our data collection, use, and sharing practices, as described in this Privacy Policy.

7. Reporting and Compliance

We maintain records and accountability logs regarding disclosures of personal information as required by CMS policies. These records are maintained to demonstrate compliance with regulatory requirements and may be made available for audit or inspection by authorized regulatory authorities.

8. Your Privacy Rights Under Florida Law

Under the Florida Digital Bill of Rights and other applicable Florida privacy laws, consumers have certain rights regarding their personal data. To the extent applicable to our insurance services, you have the right to:

Confirm whether we are processing your personal data
Access your personal data
Request corrections to inaccurate personal data
Request to opt out of certain data processing activities not essential to providing insurance services

Note: Some of these rights may be limited or inapplicable to health insurance information subject to HIPAA and CMS regulations, which may impose stricter controls and longer retention requirements than general privacy laws.

9. Contact Information and Requests

For questions about this policy, to exercise your privacy rights, or to manage your communication preferences, please contact our compliance officer at:

Allinsurit PLLC
Compliance Officer Contact Information:

Phone: 904-900-3111
Email: connect@allinsurit.com
Mailing Address: 5991 Chester Ave Ste 203, Jacksonville, FL 32217, USA

Response Timeline: We will respond to your requests within forty-five (45) days of receipt. If your request is complex or requires additional time to process, we may extend this timeline by an additional fifteen (15) days, and will notify you of the extension.

10. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy as required to comply with changes in law, regulation, or business practices. We will notify clients of material changes to this policy as required by law. Continued use of our services following notification of changes constitutes your acknowledgment of the modified policy.

ACKNOWLEDGMENT

By engaging our services, you acknowledge that you have read and understood these Terms of Service and Privacy Policy, including the information regarding record retention requirements, limitation of data deletion, communication opt-out rights, and your privacy rights under Florida and federal law.

You further acknowledge that the retention of your information for the periods required by law and regulation is necessary to provide you with ongoing service, support with claims and coverage issues, and to comply with our regulatory obligations under CMS and Florida law.