Privacy Policy
Last updated: June 2025
1. Introduction
Landel Insurance ("we," "our," or "us") 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 services, or interact with us. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.
2. Information We Collect
Personal Information
We collect personal information that you voluntarily provide to us when you:
- Fill out forms on our website
- Request insurance quotes or information
- Contact us via phone, email, or text
- Subscribe to our newsletter or marketing communications
- Participate in surveys or promotions
- Apply for insurance coverage
This information may include:
- Full name and contact information (address, phone number, email)
- Date of birth and Social Security Number
- Insurance history and coverage preferences
- Health information (for health and life insurance applications)
- Financial information (income, household size)
- Employment information
- Family and dependent information
- Payment information (for premium processing)
Automatically Collected Information
When you visit our website, we may automatically collect certain information:
- IP address and location data
- Browser type and version
- Operating system
- Referral URLs and website navigation patterns
- Time and date of visits
- Cookies and similar tracking technologies
Third-Party Information
We may receive information about you from third parties, including:
- Insurance carriers and their systems
- Lead generation partners
- Public databases and records
- Marketing partners and affiliates
- Credit reporting agencies (where permitted)
3. How We Use Your Information
We use the information we collect for various business purposes, including:
Insurance Services
- Providing insurance quotes and recommendations
- Processing insurance applications
- Facilitating enrollment in insurance plans
- Managing customer relationships and accounts
- Processing claims and policy changes
- Compliance with insurance regulations
Communications
- Responding to your inquiries and requests
- Sending you important notices about your coverage
- Marketing insurance products and services
- Sending appointment reminders and follow-ups
- Providing customer support
- Delivering newsletters and educational content
Business Operations
- Improving our website and services
- Conducting data analysis and research
- Preventing fraud and ensuring security
- Complying with legal obligations
- Resolving disputes and enforcing agreements
4. Information Sharing and Disclosure
Insurance Carriers
We share your information with insurance companies when:
- You request quotes or apply for coverage
- Processing claims or policy changes
- Required for underwriting and eligibility determination
Service Providers
We may share information with third-party service providers who assist us with:
- Customer relationship management (CRM) systems
- Payment processing
- Marketing and advertising
- Website hosting and maintenance
- Data analysis and reporting
- Communication services (email, SMS, phone)
Legal Requirements
We may disclose your information when required by law or in response to:
- Court orders or legal process
- Government agency requests
- Regulatory investigations
- Fraud prevention and detection
- Protection of our rights and safety
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.
5. Data Retention
We retain your personal information for as long as necessary to:
- Provide you with our services
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
- Meet regulatory requirements
Generally, we retain information for 7 years after the last interaction, unless a longer retention period is required by law.
6. Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- SSL encryption for data transmission
- Secure servers and databases
- Access controls and authentication
- Regular security assessments
- Employee training on data protection
- Incident response procedures
However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security of your information.
7. Your Rights and Choices
Communication Preferences
- Email: Unsubscribe using the link in our emails or contact us directly
- SMS: Text "STOP" to any text message to opt out
- Phone: Request to be placed on our Do Not Call list
Data Access and Correction
You have the right to:
- Access the personal information we have about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Request a copy of your information in a portable format
8. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Provide personalized content and advertising
- Improve our website functionality
You can manage cookie preferences through your browser settings, but this may affect website functionality.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any information.
10. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information.
11. State-Specific Rights
California Residents
Under the California Consumer Privacy Act (CCPA), California residents have additional rights including:
- Right to know what personal information is collected
- Right to delete personal information
- Right to opt-out of sale of personal information
- Right to non-discrimination for exercising privacy rights
Other State Rights
Residents of other states may have additional privacy rights under applicable state laws. Please contact us to learn more about your specific rights.
12. International Users
Our services are primarily intended for users within the United States. If you are accessing our services from outside the US, please be aware that your information may be transferred to and processed in the United States.
13. 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 updated policy on our website
- Sending email notification to registered users
- Providing notice through our services
Your continued use of our services after such modifications constitutes acceptance of the updated Privacy Policy.
14. Contact Information
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
Landel Insurance
Privacy Officer
Address: 1 SE Ocean Blvd, Stuart, FL 34994
Email: privacy@landelinsurance.com
Phone: (772) 874-3224
Business Hours: Monday - Friday, 7:00 AM - 9:00 PM EST
For general inquiries:
Email: info@landelinsurance.com
Phone: (772) 874-3224
15. Effective Date
This Privacy Policy is effective as of June 2025 and applies to all information collected by Landel Insurance on or after this date.
