Insurance Associates Insurance Agency Inc, (“we,” “us,” or “our”) is an independent insurance agency licensed in Ohio and Michian. We are committed to protecting your privacy and the confidentiality of your personal information in compliance with applicable federal and state laws, including Title V of the Gramm-Leach-Bliley Act (GLBA), Ohio Revised Code Chapter 3904 (governing insurance information practices for life, health, and Medicare supplement insurance), and relevant Michigan insurance regulations.
This notice describes our practices for collecting, using, disclosing, and protecting personal information (including nonpublic personal information or “NPI” under GLBA, and personal or privileged information under Ohio Rev. Code Chapter 3904) in connection with insurance transactions involving life insurance, Medicare supplement products, and other lines we offer. It applies to applicants, policyholders, and visitors to our website.
- Information We Collect
We collect information necessary to provide insurance quotes, process applications, underwrite coverage, issue and service policies, and handle related transactions. - Information You Voluntarily Provide Through website forms (e.g., quote requests, contact forms), insurance applications, emails, phone calls, or other direct communications:
- Name, address, phone number, email address, date of birth, Social Security number, income, occupation, marital status.
- Details about your insurance needs (e.g., health history or medical conditions for life insurance or Medicare supplement products; information about vehicles, property, or other risks for other lines).
- Payment or billing information (if applicable).
- Automatically Collected Information (Website)
When you visit our website www.insursmart.com (http://www.insursmart.com):
- Cookies (small text files): session cookies for site functionality (e.g., navigating forms) and persistent cookies for preferences or analytics.
- Other data: IP address, browser type and version, device information, pages visited, time spent on pages, referral sources.
- Analytics tools (e.g., Google Analytics) to understand aggregated site usage and improve our services.
We do not collect sensitive personal information through cookies or tracking without your voluntary submission via forms. You can manage or disable cookies through your browser settings, though doing so may limit functionality (e.g., completing quote forms). We do not respond to “Do Not Track” browser signals, as no uniform standard exists.
- How We Use Your Information
We use your information solely for purposes related to insurance transactions, including:
- Providing quotes, processing applications, underwriting, issuing, and servicing policies (including Medicare supplements and life insurance).
- Processing claims, payments, and customer communications.
- Detecting and preventing fraud, misrepresentation, or unauthorized activities.
- Complying with legal, regulatory, and contractual requirements (including maintaining written or electronic records on all policyholders and applicants as required by our carrier contracts).
- Analyzing website usage in aggregated, non-identifiable form to improve our site and services.
- Sending transactional communications (e.g., quote confirmations, policy updates).
We do not use your information for unrelated third-party marketing without your authorization.
- How We Share Your Information
We do not sell your personal information to third parties. We disclose personal or privileged information only as permitted by law, including GLBA exemptions and Ohio Rev. Code § 3904.13, such as:
- To insurance carriers, underwriters, reinsurers, or other insurers for quoting, issuing, underwriting, or servicing policies.
- To service providers (e.g., claims adjusters, investigators, website hosts, analytics providers) who perform functions on our behalf and are contractually required to maintain confidentiality and use the information only for specified purposes.
- To affiliates (if any) for operational purposes.
- To regulators, law enforcement, courts, or governmental authorities when required or permitted by law.
- In connection with a business transfer (e.g., sale or merger of our agency), provided the successor agrees to similar privacy protections.
- For fraud detection/prevention, audits, actuarial or research studies (de-identified where possible), or other permitted purposes under Ohio Rev. Code § 3904.13.
For marketing purposes (Ohio Rev. Code § 3904.13(K)), we may disclose limited, non-sensitive personal information only with an opportunity for you to opt out (no disclosure of medical, privileged, or character information without authorization). Website analytics data may be shared in aggregated/de-identified form with third-party tools for site improvement.
We do not market to or accept prospects from California, the European Union, or jurisdictions where we are not licensed.
- How We Protect Your Information
We maintain physical, electronic, and procedural safeguards consistent with GLBA standards, Ohio Rev. Code Chapter 3904, and carrier requirements to protect against unauthorized access, use, disclosure, alteration, or destruction. This includes encryption for certain electronic transmissions, restricted access to authorized personnel only, and confidentiality agreements with vendors and service providers. - Your Rights and Choices
Under applicable laws, including Ohio Rev. Code §§ 3904.08 and 3904.09:
- Access: You may request a description of recorded personal information we maintain about you (including sources and recent recipients), generally within 30 business days. Reasonable fees may apply for copies. Medical information may be provided to you or a designated medical professional.
- Correction/Amendment: You may request correction, amendment, or deletion of inaccurate, incomplete, or improperly recorded information. We will correct it (or note your dispute) and notify relevant recipients if changes are made.
- Opt-Out for Marketing: Contact us to opt out of any use or disclosure of your personal information for marketing purposes.
- Cookies and Online Choices: Manage cookies through your browser settings or use opt-out tools for certain analytics (e.g., Google Analytics browser add-on).
- Authorization: We obtain your written authorization for any disclosures requiring it (e.g., certain medical or privileged information).
To exercise these rights, ask questions, or request a copy of this notice, contact our Privacy Officer using the details below.
- Record Retention and Former Customers
We retain records as required by carrier contracts, state and federal law, and our business needs (e.g., electronic or written files on policyholders and applicants). This notice continues to apply to former customers, applicants, and website visitors for as long as we maintain your information. - Changes to This Notice
We may update our privacy practices from time to time. Material changes will be reflected in a revised notice posted here. We will provide updated notices as required by law (e.g., at renewal or upon request). - Contact Us
Privacy Officer
Insurance Associates Agency Inc. - 8114 Paul Manors Dr Ste 200, West Chester, OH 45069513-779-7920
