Diamond Financial Group of Florida LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information in accordance with all applicable laws, including the Health Insurance Portability and Accountability Act (HIPAA), California Consumer Privacy Act (CCPA), Gramm-Leach-Bliley Act (GLBA), and other relevant federal and state regulations.
This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you interact with our website, services, or agents.
1. Information We Collect
We collect personal information directly from you, automatically through technology, and from third parties when necessary for providing services.
A. Categories of Information CollectedPersonal Identifiers:
Name, address, phone number, email, Social Security Number, and driver’s license.
Financial Information: Bank account details, payment card data, and income details.
Health Information (PHI): Medical history, diagnoses, treatments, prescriptions, and claims data.
Technical Data: IP address, browser type, device identifiers, and interaction with our website (via cookies).
Geolocation Data: General location derived from your IP address.
Professional Data: Employer, title, and licensing information (if relevant).
2. How We Use Your Information
We use the information collected to:Process insurance applications and claims.Administer policies and provide customer support.Comply with legal and regulatory requirements (e.g., HIPAA, GLBA).Improve our services through analytics and feedback.Provide marketing communications, subject to your preferences.
3. How We Share Your Information
We may share your personal information under strict guidelines:
A. Categories of Disclosures
Service Providers: Business associates, claims processors, IT vendors, and marketing agencies under strict confidentiality agreements.
Regulatory and Legal Authorities: Compliance with subpoenas, audits, or investigations.
Financial Institutions: To process payments and manage billing.
Business Transfers: As part of mergers, acquisitions, or other significant transactions.
We do not sell your personal information, as defined under the CCPA.
4. Your Privacy Rights
A. California Residents (CCPA Rights)
California residents have the right to Request access to the personal data we collect and process.Request deletion of personal information, with certain exceptions.Opt-out of data sharing for cross-context behavioral advertising.To exercise these rights, submit a verifiable request by calling us at (727) 228-2345 or emailing [Insert Company Email].
B. Federal Protections (GLBA, HIPAA)
Under GLBA, we safeguard sensitive financial data and allow you to opt out of certain information-sharing practices. Under HIPAA, we strictly protect health-related data and provide rights to access or amend PHI.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your online experience and tailor content. These technologies include:
Session Cookies: To maintain secure browsing sessions.
Persistent Cookies: To remember preferences for future visits.
Third-Party Cookies: For analytics and advertising purposes.
Please note that disabling cookies may impact the functionality of our website.
6. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, meet regulatory requirements, and protect our legal interests.
7. Protecting Your Information
We deploy industry-standard security measures, including:End-to-end encryption for data in transit and at rest.Role-based access controls (RBAC) to limit data access.Regular vulnerability assessments and monitoring. In the event of a breach, we comply with all applicable notification laws.
8. Third-Party Websites
Our website may include links to third-party websites. These sites are governed by their own privacy policies, and we are not responsible for their content or practices.
9. Children’s Privacy
We do not knowingly collect data from children under 18 without verifiable parental consent. If such data is identified, it will be promptly deleted.
10. HIPAA Notice of Privacy PracticesOur Commitment to Protecting Your Health Information
Diamond Financial Group of Florida LLC ("Company") is committed to safeguarding your Protected Health Information (PHI) in compliance with the Health Insurance Portability and Accountability Act (HIPAA) and applicable state laws. This section outlines how we handle your PHI, your rights under HIPAA, and our responsibilities as a covered entity or business associate, as applicable.
A. How We Use and Disclose Your PHI: We may use or disclose your PHI without your explicit authorization in the following circumstances:Treatment, Payment, and Healthcare Operations:Treatment: To coordinate care or share information with healthcare providers.
Payment: To process claims, verify coverage, and coordinate benefits.
Healthcare Operations: To improve quality, conduct audits, and ensure compliance.
Other Permitted Uses: Public health activities (e.g., disease control and prevention).Compliance with legal or regulatory mandates, such as audits or investigations.Addressing safety concerns, abuse reporting, or responding to legal orders (e.g., subpoenas).
With Authorization: Uses and disclosures outside these purposes require your explicit written authorization, which you may revoke at any time.
B. Your HIPAA Rights Under HIPAA, you have the following rights regarding your PHI:Right to Access and Request Copies: Obtain copies of your PHI maintained by the Company, subject to reasonable fees for producing records.
Right to Amend: Request corrections to your PHI if you believe it is inaccurate or incomplete.
Right to Restrict Use or Disclosure: Request limitations on how your PHI is used or disclosed, though we may not be obligated to comply with all requests.
Right to an Accounting of Disclosures: Receive a record of certain PHI disclosures made without your authorization.
Right to Confidential Communications: Request communications through specific methods or locations for added privacy.
Right to File a Complaint: File complaints with our HIPAA Privacy Officer or the U.S. Department of Health and Human Services (HHS) if you believe your rights have been violated.
C. Safeguarding Your PHI: We implement stringent administrative, technical, and physical safeguards to protect your PHI, including:Encryption for all electronic PHI (ePHI).Limited access to PHI based on role-specific needs.Routine security audits and employee training.
D. Breach Notification: In the event of a breach involving your PHI, we will notify you as required by HIPAA and applicable state laws, detailing the nature of the breach and any protective measures you should take.
11. Changes to This Privacy Policy
We may update this policy to reflect changes in our business, technology, or legal obligations. Updates will be posted here with a revised “Effective Date."
12. Medicare Disclaimer
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with 1-800-MEDICARE to get information on all your options.
Contact Us:
If you have questions or wish to exercise your privacy rights, please contact us:
Diamond Financial Group of Florida LLC 2233 Nursery Rd, Clearwater, FL 33764 Phone: (727) 228-2345 Email: admin@insuredbydiamond.com
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