Clearview Insurance Group Privacy Policy

This Privacy Policy describes how Clearview Insurance Group (hereinafter “we,” “us,” or “our”) collects, uses, discloses, and protects the personal information of individuals who interact with our insurance call center services, including through phone calls, our website www.clearviewmedicare.com, and other communication channels. We operate our call center from Wayne, Pennsylvania, and conduct business in every state in the United States except for Alaska and Hawaii.

1. Information We Collect

We may collect the following types of personal information:

Information You Provide Directly:

• Contact Information: Name, phone number, email address, postal address.
• Insurance Needs and Preferences: Information about your insurance needs, current coverage, desired coverage types, and related preferences.
• Demographic Information: Age, gender, marital status, and other similar information relevant to insurance quotes and services.
• Health Information: Depending on the scope of our services and the inquiries you make; we may collect limited health-related information necessary to provide insurance quotes or information.
• Financial Information: Income, employment information, and other financial details relevant to insurance eligibility and quotes.
• Call Recordings: We may record phone calls for quality assurance, training, and compliance purposes. You will typically be notified if a call is being recorded.
• Website Interactions: Information you submit through our website, such as contact forms or quote request forms.

Information We Collect Automatically:

• Call Data: Information about your calls, such as call duration, phone number, and call routing information.

Information We Collect From Other Sources:

• Insurance Carriers: We may receive information about you from insurance carriers to provide quotes and facilitate policy enrollment.
• Publicly Available Information: We may collect information about you that is publicly available.

2. How We Use Your Information

We may use your personal information for the following purposes:

• To Provide Insurance Quotes and Services: To understand your insurance needs, provide you with relevant quotes, and assist you in the insurance application and enrollment process.
• To Communicate With You: To answer your inquiries, provide updates on your quotes or applications, and send you information related to our services.
• For Call Monitoring and Quality Assurance: To monitor and record phone calls for quality assurance, training, and compliance purposes.
• To Improve Our Services: To analyze call data and website usage to improve our processes, customer service, and offerings.
• For Compliance and Legal Obligations: To comply with applicable laws, regulations, and legal processes.
• For Internal Business Purposes: Such as data analysis, auditing, and developing new services.
• For Marketing and Outreach: To contact you with information about insurance products or services that may be of interest to you. You may opt-out of receiving marketing communications at any time.

3. How We Share Your Information

We may share your personal information with the following categories of recipients:

• Insurance Carriers: We share your information with insurance companies to obtain quotes, process applications, and facilitate policy enrollment.
• Service Providers: Third-party companies that provide services on our behalf, such as call center technology providers, data analysis firms, and marketing service providers. These providers are contractually obligated to protect your information.
• Regulatory and Legal Authorities: We may disclose your information to law enforcement agencies, government bodies, or other third parties if required by law or legal process, or if we believe it is necessary to protect our rights, property, or safety, or the rights, property, or safety of others.
• Business Transfers: In the event of a merger, acquisition, sale of assets, or other business transaction, your information may be transferred to the acquiring entity.
• With Your Consent: We may share your information with third parties when we have your explicit consent to do so.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Your Rights and Choices

Depending on your location and applicable laws, you may have the following rights regarding your personal information:

• Access: You may have the right to request access to the personal information we hold about you.
• Correction: You may have the right to request that we correct any inaccurate or incomplete personal information.
• Deletion: You may have the right to request that we delete your personal information, subject to legal and contractual obligations.
• Objection to Processing: You may have the right to object to the processing of your personal information for certain purposes, such as direct marketing.
• Restriction of Processing: You may have the right to request that we restrict the processing of your personal information.
• Data Portability: You may have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another controller, where technically feasible.
• Withdrawal of Consent: If we rely on your consent to process your personal information, you have the right to withdraw your consent at any time.
• Do Not Call Registries: You have the right to register your phone number on national and state “do not call” lists. We will adhere to these registries as required by law.
• State-Specific Rights: Residents of certain states may have additional rights under their state privacy laws. Please contact us if you have specific inquiries related to your state’s rights.

To exercise any of these rights, please contact us using the contact information provided below. We may need to verify your identity before processing your request.

5. Data Security

We take reasonable measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include secure servers, encryption of sensitive data both in transit and at rest, multi-factor authentication, role-based access controls, regular security audits, and employee training on data protection protocols. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your information.

6. Data Retention

We will 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. The retention period may depend on factors such as ongoing service provision, legal obligations, regulatory requirements, and our legitimate business interests. Call recordings are typically retained for 10 years.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post any changes on this page and update the “Last Updated” date at the top.

8. Contact Us

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