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)

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.

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 PHI 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.

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.

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: emmadowd@emmalynndowd.com

Phone: (800) 587-6136

Website: https://emmalynndowd.com