Privacy Policy

This Privacy Policy outlines how insurance agents collect, use, and protect your personal information in compliance with the Centers for Medicare & Medicaid Services (CMS) regulations. As your privacy is important to us, we are committed to safeguarding your personal information and ensuring its confidentiality.

1. Information We Collect:
   We collect personal information necessary for providing insurance services and complying with CMS regulations. This information may include but is not limited to:

   • Name

   • Address

   • Date of Birth

   • Social Security Number

   • Health Information

   • Financial Information

2. How We Use Your Information:
   We use the information we collect to:

   • Provide insurance services and fulfill contractual obligations.

   • Verify your eligibility for insurance plans.

   • Process claims and payments.

   • Comply with regulatory requirements imposed by CMS.

   • Communicate important updates and changes to your insurance coverage.

3. Sharing Your Information:
   We may share your personal information with third parties in the following circumstances:

   • To insurance carriers for underwriting and policy issuance purposes.

   • With service providers who assist us in providing insurance services.

   • When required by law or in response to legal processes.

   • With your consent.

4. Protecting Your Information:
   We employ industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Retention of Information:
   We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or for legal purposes.

6. Your Rights:
   You have certain rights regarding your personal information, including the right to:

   • Access your information and request copies of your data.

   • Rectify inaccuracies in your information.

   • Request the erasure of your information, subject to legal obligations.

   • Object to the processing of your information under certain circumstances.

7. Changes to the Privacy Policy:
   We reserve the right to 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 or through other appropriate channels.

8. Contact Us:
   If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at kstocks@vsinsurancegroup.com.

By using our services, you consent to the collection, use, and sharing of your personal information as described in this Privacy Policy.