Privacy Policy

Introduction

This Privacy Policy describes how Daniel Speiss ("we," "our," or "us") collects, uses, and protects your personal information when you visit daniel-speiss.com (the "Website"). By using this Website, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Information You Provide

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

• Contact Information: Name, email address, phone number, mailing address
• Insurance Application Information: Information provided in insurance applications, including health information, financial information, and other personal details
• Business Information: Information about your business, revenue, and operational needs
• Communication: Messages, inquiries, and other communications you send to us
• Newsletter Subscriptions: Email addresses for newsletter subscriptions

Automatically Collected Information

When you visit our Website, we automatically collect certain information, including:

• Usage Data: Pages visited, time spent on pages, click patterns, and navigation paths
• Device Information: Browser type, device type, operating system, and IP address
• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience and analyze Website usage

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide insurance services, process applications, and respond to your inquiries
• Communication: To communicate with you about services, respond to your requests, and send newsletters (with your consent)
• Business Operations: To improve our services, analyze usage patterns, and conduct business analytics
• Legal Compliance: To comply with legal obligations, including insurance regulations, HIPAA requirements, and other applicable laws
• Security: To protect against fraud, unauthorized access, and other security threats
• Marketing: To send you information about services that may interest you (with your consent and opt-out options)

Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We may share information with third-party service providers who assist us in operating our Website, conducting business, or serving our users. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

Insurance Companies and Underwriting

For insurance applications, we share information with insurance companies, medical information bureaus, and other entities necessary for underwriting and policy administration, as authorized by you and required by law.

Legal Requirements

We may disclose information if required by law, court order, or government regulation, or to protect our rights, property, or safety, or that of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze Website traffic and usage patterns
• Provide personalized content and advertisements
• Improve Website functionality and user experience

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of the Website.

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 data in transit and at rest
• Secure database storage with access controls
• Regular security assessments and updates
• Employee training on data protection
• Compliance with industry security standards

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.

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to 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 and contractual obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request a copy of your data in a portable format
• Restrict Processing: Request restriction of how we process your information

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

Children's Privacy

Our Website is not intended for children 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, and we will take steps to delete such information.

Third-Party Links

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

Changes to This Privacy Policy

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