Privacy Policy

1. Introduction

At InsureReady.net ("Company", "we", "our", or "us"), protecting your privacy is of paramount importance. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website and interact with our insurance services, in accordance with Florida and federal laws.

By using our website, you consent to the practices described in this policy. If you do not agree, please discontinue use of the site.

2. Information We Collect

A. Personal Information

We collect the following categories of personally identifiable information (PII), either directly from you or through third-party integrations:

  • Full name
  • Date of birth
  • Mailing address
  • Email address
  • Phone number
  • Social Security Number (SSN) (when required by insurers)
  • Driver’s license number
  • Health and medical data (when relevant to insurance underwriting)
  • Financial information, such as:
    • Credit card or bank details (for payments)
    • Income details (for eligibility purposes)
    • Credit history (for insurance scoring)

B. Non-Personal Information

We also collect non-identifiable data automatically through cookies and tracking technologies, including:

  • IP address
  • Browser type
  • Operating system
  • Referring URLs
  • Pages visited and actions taken on our site
  • Time spent on each page

3. How We Use Your Information

We use your information to:

  • Provide you with personalized insurance quotes
  • Submit applications on your behalf to licensed carriers
  • Evaluate your insurance needs and eligibility
  • Communicate via email, text, or phone
  • Verify your identity
  • Process payments and billing
  • Improve website functionality and performance
  • Comply with legal obligations and fraud detection requirements
  • Conduct analytics and advertising, including retargeting

4. How We Share Your Information

We do not sell your personal data. However, we may share your information with the following entities for legitimate purposes:

A. Insurance Partners & Carriers

To generate accurate insurance quotes or submit your application, we share your information with licensed insurance carriers and underwriters.

B. Third-Party Service Providers

These may include:

  • Hosting and cloud storage providers
  • Marketing automation tools (e.g., email/SMS platforms)
  • Analytics providers (e.g., Google Analytics)
  • Identity verification and fraud prevention platforms
  • Payment processors

All third-party vendors are contractually obligated to protect your information and use it only for specified purposes.

C. Legal Disclosures

We may disclose your information if required by:

  • Law, subpoena, or legal process
  • Regulatory or government authorities
  • Fraud detection or prevention measures

5. Cookies and Tracking Technologies

We use cookies, web beacons, and other tracking tools for analytics, personalization, and retargeting advertising.

You can manage cookie settings through your browser. Opting out may affect website performance.

6. Data Retention

We retain your personal data only as long as necessary:

  • To fulfill the purposes for which it was collected
  • To comply with applicable legal or regulatory requirements
  • To maintain accurate business and financial records

When data is no longer needed, it is securely destroyed or anonymized.

7. Data Security

We implement administrative, technical, and physical safeguards to protect your data. These include:

  • SSL encryption for all data transmissions
  • Firewall and intrusion detection systems
  • Limited employee access on a need-to-know basis
  • Secure authentication and password protocols
  • Routine audits and vulnerability assessments

While no system is 100% secure, we follow industry best practices to reduce risk.

8. Your Rights (Florida Residents)

Under the Florida Information Protection Act (FIPA), you have the right to:

  • Access: Request a copy of the personal data we have on file
  • Correct: Update or amend inaccurate information
  • Delete: Request deletion of your personal data (with certain legal exceptions)
  • Opt-out: Decline non-essential communications or marketing

To exercise these rights, please email: agenternst@gmail.com

9. Children’s Privacy

We do not knowingly collect information from individuals under the age of 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. HIPAA Compliance (if applicable)

If you provide health-related information for health, life, or Medicare insurance quotes, such information may be protected under HIPAA. We do not share such data except as permitted or required by law.

11. Third-Party Links

Our site may contain links to other websites. We are not responsible for their privacy practices. Please review their policies before providing personal information.

12. Changes to This Privacy Policy

We reserve the right to update this policy at any time. Any changes will be posted on this page with a new “Effective Date.” Your continued use of the site constitutes acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

InsureReady.net
Email: agenternst@gmail.com
Phone: 561-271-8940

Effective Date: July 31, 2025
Website: www.insureready.net
Jurisdiction: Florida, United States