Privacy Policy

1. Introduction

Independent Insurance Brokers ("IIB," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our platform, or engage with our services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services.

2. Information We Collect

2.1 Personal Information You Provide

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

• Contact Information: Name, email address, phone number, mailing address
• Professional Information: Insurance license numbers, NPN (National Producer Number), state licenses, certifications, carrier appointments
• Account Credentials: Username, password, and security questions
• Financial Information: Banking details for commission payments, tax identification numbers
• Communication Data: Messages, inquiries, and correspondence you send to us
• Form Submissions: Information provided through contact forms, partnership applications, and other forms on our website

2.2 Information Collected Automatically

When you access our Services, we may automatically collect certain information, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages viewed, time spent on pages, click patterns, referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Insurance carriers regarding your appointments and production
• Background check providers for compliance verification
• State insurance departments regarding license status
• Business partners and referral sources

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Service Delivery: To provide, maintain, and improve our Services
• Account Management: To create and manage your agent account
• Communication: To respond to inquiries, send updates, and provide support
• Commission Processing: To track, calculate, and pay commissions
• Compliance: To verify licensing, certifications, and regulatory compliance
• Training: To provide access to training materials and track completion
• Marketing: To send promotional communications (with your consent where required)
• Analytics: To analyze usage patterns and improve our Services
• Security: To detect, prevent, and respond to fraud and security threats
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

4. How We Share Your Information

We may share your information in the following circumstances:

4.1 With Insurance Carriers

We share your professional information with insurance carriers for contracting, appointment processing, and commission administration.

4.2 With Service Providers

We engage third-party service providers to perform functions on our behalf, including hosting, data analytics, payment processing, and customer support. These providers have access to your information only to perform their functions.

4.3 For Legal Purposes

We may disclose your information if required by law, subpoena, or legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.4 Business Transfers

If IIB is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4.5 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our Services.

Types of Cookies We Use:

• Essential Cookies: Required for the operation of our website
• Performance Cookies: Help us understand how visitors interact with our website
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Track your activity for advertising purposes

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors we consider include:

• The length of your relationship with IIB
• Legal obligations requiring data retention
• Statute of limitations for potential legal claims
• Regulatory requirements for record keeping

8. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal exceptions)
• Opt-Out: Opt out of marketing communications at any time
• Data Portability: Request transfer of your data to another service provider
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided below.

9. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt out of the sale of your personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

10. HIPAA Compliance

When handling protected health information (PHI) in connection with Medicare insurance activities, we comply with the Health Insurance Portability and Accountability Act (HIPAA) and its implementing regulations. We maintain appropriate administrative, physical, and technical safeguards to protect PHI.

11. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can take appropriate action.

12. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

13. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our Services after such changes constitutes your acceptance of the updated Privacy Policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Independent Insurance Brokers
Email: info@iibbrokers.com
Phone: (888) 416-1960

For data protection inquiries, you may also reach our Privacy Team at privacy@iibbrokers.com.