Privacy Policy

Last updated: June 2024

Erwin Capalungan Insurance is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information in accordance with insurance industry regulations.

1. Information We Collect

We may collect the following types of information:

• Personal identification information (name, address, date of birth)
• Insurance application details (risk factors, coverage needs)
• Financial information for underwriting and claims processing
• Health information relevant to policy applications
• Payment and billing information
• Website usage data (through cookies and analytics)

2. How We Use Your Information

Your information is used to:

• Evaluate insurance applications and determine coverage
• Process policy transactions and premium payments
• Administer claims and benefits
• Comply with legal and regulatory requirements
• Provide customer service and policy support
• Improve our services and website

3. Information Sharing

We may share your information with:

• Insurance carriers and underwriters
• Third-party administrators for claims processing
• Medical professionals for risk assessment
• Regulatory authorities when required by law
• Financial institutions for payment processing

We never sell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate security measures to protect your sensitive information, including:

• Secure document storage and transmission
• Encryption of sensitive data
• Limited access to client information
• Regular security audits and compliance checks

5. Your Rights

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate information
• Withdraw consent for certain uses of your information
• Request information about how your data is shared
• File complaints with regulatory authorities

6. Retention of Information

We retain your personal information as required by:

• Insurance regulations and legal requirements
• Policy terms and conditions
• Claims processing needs
• Dispute resolution timelines

7. Changes to This Policy

We may update this policy periodically to reflect changes in regulations or our practices. The updated version will be posted on our website with a revised "last updated" date.

8. Contact Us

For privacy-related inquiries or to exercise your rights, please contact:

Erwin Capalungan
Insurance Professional
Phone: +1 438-839-4633
Email: [email protected]