Privacy Policy

At Janowski Insurance Services, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, protect, and share your information when you use our website and services.

1. Information We Collect

Personal Information

We collect personal information that you provide to us, including:

• Name and contact information (phone number, email address, mailing address)
• Date of birth and Social Security number (when required for insurance applications)
• Health information relevant to insurance coverage
• Financial information necessary for premium calculations
• Medicare information and current coverage details

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser information
• Pages visited and time spent on our site
• Referring website information
• Device and operating system information

2. How We Use Your Information

We use your information to:

• Provide insurance quotes and recommendations
• Process insurance applications and enrollments
• Communicate with you about your coverage and account
• Send important updates about Medicare and insurance changes
• Improve our website and services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

3. Information Sharing

We may share your information with:

• Insurance Companies: To obtain quotes and process applications
• Service Providers: Third parties who help us operate our business
• Legal Authorities: When required by law or to protect our rights
• Business Partners: Licensed agents and brokers who assist with your coverage

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate security measures to protect your personal information, including:

• Encryption of sensitive data transmission
• Secure servers and data storage
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis
• Employee training on privacy and security protocols

5. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate information
• Opt out of marketing communications
• Request deletion of your information (subject to legal requirements)
• File a complaint with regulatory authorities

6. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Enable certain website features to function properly

You can control cookie settings through your browser preferences.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take steps to delete it promptly.

9. HIPAA Compliance

As a licensed insurance agency, we comply with the Health Insurance Portability and Accountability Act (HIPAA) requirements for protecting health information. We maintain appropriate safeguards for protected health information and limit access to authorized personnel only.

10. Changes to This 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 any material changes by posting the updated policy on our website and updating the "Last Updated" date.

11. State-Specific Rights

Residents of certain states may have additional privacy rights under state law, including the California Consumer Privacy Act (CCPA) and Virginia Consumer Data Protection Act (VCDPA). Contact us for information about exercising these rights.