About Insurance Needs

Insurance Needs Incorporated Privacy Policy

Effective Date: [01/15/2024] Updated [04/03/2025]

1. Introduction

Insurance Needs Incorporated and its brokers are committed to protecting the privacy and security of your personal information. This policy outlines how we collect, use, disclose, and safeguard your information when you interact with us, including through phone, messaging, and our website. We comply with all applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), the Federal Trade Commission Act, the Health Insurance Portability and Accountability Act (HIPAA), and relevant regulations from the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration (SSA), and the Florida Department of Agriculture and Consumer Services (FDACS). We have additional registrations in New Jersey and California to adhere to each state's consumer protection laws.

• HIPAA: When dealing with health information, strict adherence to HIPAA is mandatory.
• Medicare and SSA: We must follow CMS and SSA guidelines for communicating with beneficiaries.
• FDACS: We must comply with Florida's consumer protection laws.
• Regular Audits: Conduct regular audits to ensure compliance with all applicable laws.
• Employee Training: Ongoing training on privacy and security best practices.
• Documented Consent: Keep detailed records and recordings of all consents obtained.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, address, phone number, email address, date of birth, Social Security number (SSN), Medicare Beneficiary Identifier (MBI).  
• Health Information: Medical history, diagnoses, treatments, prescriptions, health insurance details.
• Financial Information: Bank account details, payment information, credit card numbers.
• Contact Information: Phone call recordings, SMS/MMS messages, email correspondence.
• Website Usage Data: IP address, browser type, pages visited, cookies.
• Consumer reports: Credit reports, driving records.

3. How We Collect Information

We collect information through:

• Directly from you (phone calls, online forms, applications, in-person meetings).
• From businesses and government offices (State and Federal)..
• Automatically (website cookies and call recordings).

4. Use of Information

We use your information to:

• Provide insurance quotes and services.
• Process applications and enrollments.
• Manage claims and payments.
• Communicate with you about your policies.
• Comply with legal and regulatory requirements.
• Improve our services and website.

5. Phone and Messaging Communications

• TCPA Compliance: We obtain your express written consent before making telemarketing calls or sending text messages.
• Call Recording: Phone calls may be recorded for quality assurance and training purposes. You will be informed before a call is recorded.
• SMS/MMS Messaging: We will only send text messages with your consent and will provide clear opt-out instructions.
• Do-Not-Call Registry: We adhere to the National Do-Not-Call Registry and maintain our own internal do-not-call list.
• Medicare/SSA Communications: We will only contact you regarding Medicare or SSA-related matters with your explicit consent and in compliance with CMS and SSA guidelines.
• FDACS Compliance: We abide by all Florida state laws regarding telemarketing and consumer protection.

6. Sharing of Information

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We may share your information with:

• Insurance carriers.
• Medical providers.
• Service providers.
• Regulatory authorities.
• As required by law.

7. Data Security

• We implement reasonable security measures to protect your information from unauthorized access, use, or disclosure.  
• We use encryption, firewalls, and secure servers.  
• We train our employees on data security best practices.
• We adhere to HIPAA standards, when dealing with protected health information.

8. Your Rights

• Access: You have the right to access your personal information.
• Correction: You have the right to correct inaccurate information.
• Opt-Out: You have the right to opt-out of marketing communications.
• Data Portability: You may request a copy of your data in a portable format.
• Complaint: You have the right to file a complaint with the FTC, FCC, or relevant state agencies.
• Medicare/SSA Rights: You have specific rights related to your Medicare and SSA information, as outlined by CMS and SSA.

9. Changes to This Policy

We may update this policy from time to time. We will notify you of any material changes.

10. Contact Us

If you have any questions or concerns about this policy, please contact us at:

• 888-799-1079
• Admin@myinsuranceneeds.com
• 3850 S University Dr. BN290734 Davie, FL 33328