Privacy Policy
1. Introduction
John Douglas Insurance & Financial Services (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at johndouglasinsurance.com, contact our agency, or interact with us via phone, email, or SMS/text messaging.
By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our services.
2. Information We Collect
Information You Provide Directly
- Full name, address, phone number, and email address
- Date of birth and Social Security Number (for insurance applications)
- Health information necessary for insurance enrollment
- Income and household information for ACA marketplace applications
- Payment information for premium processing
- Consent records for SMS/text message communications
Information Collected Automatically
- IP address, browser type, and device information
- Pages visited and time spent on our website
- Referring URLs and search terms
3. How We Use Your Information
We use the information we collect to:
- Provide insurance quotes, enrollment services, and policy management
- Communicate with you about your insurance coverage, renewals, and plan options
- Send SMS/text messages for appointment reminders, plan updates, and enrollment period notifications (with your consent)
- Comply with state and federal insurance regulations
- Respond to your inquiries and provide customer support
- Improve our website and services
- Process transactions and send related administrative communications
4. SMS / Text Message Communications
By opting in to receive SMS messages from John Douglas Insurance, you consent to receive text messages related to your insurance coverage, enrollment periods, appointment reminders, and plan information. Message frequency varies. Message and data rates may apply.
To opt out of SMS communications at any time, reply STOP to any message. To receive help, reply HELP. You may also contact us directly to be removed from our SMS list. Opting out of SMS does not affect your insurance coverage or our ability to service your policy.
5. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Insurance carriers and underwriters to obtain quotes and process applications (Florida Blue, and others as applicable)
- Our broker-dealer and regulatory affiliates as required (Osaic)
- Third-party service providers who assist in operating our business (e.g., CRM platforms, dialing systems, cloud storage) under confidentiality agreements
- Government agencies or regulators as required by law
- Other parties with your explicit written consent
6. HIPAA & Health Information
To the extent we collect Protected Health Information (PHI) in connection with health insurance enrollment, we comply with the Health Insurance Portability and Accountability Act (HIPAA). PHI is used only as necessary to provide insurance services and is protected accordingly.
7. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. This includes secure call recording storage and encrypted data transmission where applicable. However, no method of transmission over the internet is completely secure.
8. Your Rights
Depending on your state of residence, you may have rights to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal obligations)
- Opt out of SMS or marketing communications at any time
To exercise these rights, contact us at the information below.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
10. Changes to This Policy
We may update this Privacy Policy periodically. The updated version will be posted on our website with a revised effective date. Continued use of our services after changes constitutes acceptance of the updated policy.
11. Contact Us
John Douglas Insurance & Financial Services
Panama City, Florida
Website: johndouglasinsurance.com
For privacy-related inquiries, please contact us through our website.