Privacy Policy
Effective Date: 5/7/2025
1. Information We Collect
We collect personal and sensitive information necessary to provide insurance services and to comply with legal obligations. This may include, but is not limited to: Name, address, phone number, and email address, Social Security Number or Tax Identification Number, Date of birth and gender, Employment and income information, Medical and health information (subject to HIPAA), Financial account or payment details, Insurance history and beneficiary information.
2. How We Collect Information
We collect information in the following ways: directly from you via applications, forms, and correspondence, from third parties, such as issuing insurance companies and government agencies, from medical and financial professionals, when authorized, through our website or digital platforms (cookies may be used only for basic functionality and analytics).
2.1 SMS Opt-In Details
By providing your mobile phone number and opting in, you expressly consent to receive SMS (text) messages from Emma Lynn Dowd Insurance Agency. These messages may include, but are not limited to, appointment confirmations, service-related notifications, educational information, and marketing or promotional messages.
Opt-in consent is obtained through one or more of the following methods:
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Web forms requiring affirmative consent
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Written consent
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Verbal consent where permitted by law
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Client-initiated contact requesting SMS communication
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP to any message. You may request assistance by replying HELP.
Consent to receive SMS messages is not a condition of purchasing any insurance product or service.
2.2 Non Sharing Clause
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
All SMS opt-in data and consent records are maintained in compliance with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), Florida Telephone Solicitation Act (FTSA), and applicable Texas regulations
2.3 Revocation of Consent
You may revoke your SMS consent at any time by:
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Replying STOP to any SMS message
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Contacting us directly at 800-587-6136
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Emailing sales@emmalynndowd.com
Revocation of consent will be processed promptly and no further SMS messages will be sent unless you re-opt in.
2.4 Data Security
We implement reasonable administrative, technical, and physical safeguards to protect mobile information and SMS consent records from unauthorized access, disclosure, or misuse.
3. How We Use Your Information
Your personal information is used solely for the purposes of: Quoting and underwriting insurance policies, servicing active policies, processing applications and premium payments (through issuer portals), communicating with you about your coverage or policy status, complying with regulatory and legal requirements
We do not sell or rent your information to any third party.
4. Sharing of Information
We only share your information under the following circumstances: with issuing insurance companies to quote, write, or underwrite your policy, with regulatory bodies or government authorities as required by law, to detect and report suspicious or potentially fraudulent activity, including money laundering, to federal authorities as required, with third-party vendors only when necessary to support our operational needs and only under confidentiality agreements
Our agents and the Agency are not employees of any issuing company, and we do not share your data with them outside of these policy-related needs.
5. Legal and Regulatory Compliance
We strictly follow all federal, state, and insurance company regulations and policies, including our own internal compliance standards. All agents are licensed and background-checked in the states in which they operate. They must follow all applicable local, state, and federal laws, as well as issuer-specific rules. We are, by law, required to submit to the policy issuer’s and/or local or federal government a SAR Report for any product over 10,000.00, or suspicious activity as defined by the Agency or Issuer’s AML (Anti-Money Laundering) policy.
6. HIPAA Compliance
We are committed to full HIPAA compliance. All protected health information (PHI) is handled in accordance with the Health Insurance Portability and Accountability Act. Any PHIA collected for insurance purposes is: Stored securely, Used solely for underwriting, policy service, or claims, disclosed only with authorization or as legally required
7. Payment Processing
All payments are securely processed on the issuing insurance company’s portal. The Agency does not collect or store payment information such as credit card numbers or bank account details on its own systems.
8. Data Security
We maintain strict security measures to protect your data, including: secure servers and firewalls, encrypted data storage where applicable, access controls limiting data to authorized personnel only, regular reviews and audits of our systems and processes. While no method of transmission is 100% secure, we take all reasonable precautions to protect your data. Should a data breach occur our Agency will inform you in compliance with state/federal laws.
9. Your Rights and Choices
Depending on your state of residence, you may have rights including: the right to access your personal information, the right to correct inaccurate information, the right to request deletion of your data where applicable, the right to opt-out of certain data-sharing practices (where allowed)
To make a request regarding your data, please contact us using the details below.
Emma Lynn Dowd Insurance Agency
6823 Westend Ave.
New Port Richey, FL 34655
sales@emmalynndowd.com
10. Retention of Information
We retain personal data only as long as necessary to: Fulfill the purposes outlined in this policy, maintain insurance policy records, comply with legal, tax, and regulatory requirements
11. Third-Party Websites
Our website or communications may link to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will notify you via our website or direct communication. Continued use of our services constitutes acceptance of the updated terms.
13. Contact Us
For questions about this policy or to exercise your rights, contact:
Emma Lynn Dowd Enterprise, LLC.
d.b.a Emma Lynn Dowd Insurance Agency
Email: sales@emmalynndowd.com
Phone: (800) 587-6136
Website: https://emmalynndowd.com
FOR HEALTH INSURANCE
We are authorized to collect personally identifiable information (PII) from you by applicable state insurance laws and federal regulations. Any PII we collect is used to enroll applicants and verify eligibility in the marketplace.
If you choose to give us PII, we may share this information with insurance providers and the Federally Facilitated Marketplace (FFM), the IRS or other federal/state agencies necessary to qualify for annual policy tax credits (APTC) and eligibility. PII is used or disclosed only under the following circumstances: when an applicant contacts this agency to apply for, change, or update policies within the FFM.
PPI is mandatory for identification and verification of the applicant, and to validate eligibility. If you choose not to provide us with the PII requested, or not to respond to certain questions, can result in the participant’s inability to qualify for the marketplace or its APTC if applicable, Medicaid eligibility within the FFM and other potential situations.
