Privacy Policy

Effective Date: 3/11/2026

1. Information We Collect

We collect personal and sensitive information necessary to provide insurance services and to comply with applicable legal and regulatory 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 or health information when required for underwriting purposes (subject to HIPAA protections)

  • Financial account or payment information necessary to process insurance applications through issuing companies

  • Insurance history, coverage information, and beneficiary details

This information may constitute non-public personal information (NPI) as defined under federal financial privacy laws.

2. How We Collect Information

We collect information in the following ways:

  • Directly from you through applications, forms, communications, and correspondence

  • From issuing insurance companies and underwriting partners

  • From government agencies, consumer reporting agencies, or other third parties as permitted by law

  • From medical or financial professionals when authorized by you

  • Through our website or digital platforms (cookies may be used for basic functionality and analytics)

Information collected is used solely for legitimate insurance business purposes.

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

  • Marketing or promotional communications

Opt-in consent may be obtained through one or more of the following methods:

  • Web forms requiring affirmative consent

  • Written consent

  • Verbal consent where permitted by law

  • 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. Assistance may be requested by replying HELP.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

2.2 Non-Sharing Clause (SMS Data)

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with subcontractors or service providers solely for operational support services such as customer service or communication systems.

All other use cases 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)

  • The Florida Telephone Solicitation Act (FTSA)

  • Any other applicable state regulations governing SMS communications

2.3 Revocation of Consent

You may revoke your SMS consent at any time by:

  • Replying STOP to any SMS message

  • Contacting us directly at 800-587-6136

  • Emailing sales@emmalynndowd.com

Revocation requests will be processed promptly and no further SMS messages will be sent unless you re-opt in.

2.4 Data Security for SMS Information

We implement reasonable administrative, technical, and physical safeguards to protect mobile information and SMS consent records from unauthorized access, disclosure, alteration, or misuse.

3. How We Use Your Information

Your personal information is used solely for legitimate insurance business purposes, including:

  • Quoting and underwriting insurance policies

  • Submitting applications to issuing insurance carriers

  • Servicing active policies

  • Processing insurance applications and premium payments through issuer portals

  • Communicating with you about your coverage, policy status, or account updates

  • Verifying identity and preventing fraud

  • Detecting and reporting suspicious financial activity where required

  • Complying with legal, regulatory, and insurance industry obligations

Information collected may also be used by issuing insurance carriers and underwriting partners to evaluate eligibility for insurance coverage and determine policy terms.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Sharing of Information

We share your information only when necessary to conduct legitimate insurance business operations. This may include sharing information with:

  • Issuing insurance companies for quoting, underwriting, policy issuance, and policy servicing

  • Insurance carriers or underwriting partners responsible for evaluating applications

  • Government agencies or regulatory authorities when required by law

  • Federal authorities when reporting suspicious or potentially fraudulent activity, including activity subject to Anti-Money Laundering (AML) reporting requirements

  • Third-party vendors that support operational services such as technology platforms, communication systems, compliance services, or administrative support

All service providers receiving information are expected to maintain appropriate confidentiality and data protection safeguards.

We limit disclosure of non-public personal information (NPI) to what is necessary to conduct insurance business and comply with legal obligations.

Our agents and the Agency are not employees of issuing insurance companies, and your information is not shared outside of legitimate policy servicing, underwriting, or regulatory requirements.

5. Legal and Regulatory Compliance

We strictly follow all applicable federal, state, and insurance carrier regulations and policies, including our own internal compliance standards.

All agents are licensed and background-checked in the states in which they operate and must comply with all applicable local, state, and federal laws, as well as issuer-specific rules and guidelines.

In accordance with federal financial regulations and AML compliance requirements, the Agency may be required to file Suspicious Activity Reports (SARs) or other regulatory reports when transactions or activities meet reporting thresholds or appear suspicious under the Agency’s or issuing carrier’s AML policies.

6. HIPAA Compliance

We are committed to full compliance with the Health Insurance Portability and Accountability Act (HIPAA).

Any Protected Health Information (PHI) collected for insurance purposes is:

  • Stored securely

  • Used solely for underwriting, policy servicing, or claims administration

  • Disclosed only with proper authorization or when legally required

7. Payment Processing

All payments are securely processed through the issuing insurance company’s portal or authorized payment systems.

The Agency does not collect or store payment card numbers, banking details, or other financial payment credentials on its own systems.

8. Data Security

We maintain strict administrative, technical, and physical safeguards designed to protect your personal information and insurance consumer data from unauthorized access, disclosure, alteration, or misuse.

Security measures include:

  • Secure servers and network firewalls

  • Encrypted data storage where applicable

  • Access controls restricting sensitive data to authorized personnel only

  • Secure systems used for insurance application processing and policy servicing

  • Periodic internal reviews of security and compliance procedures

Access to non-public personal information is restricted to personnel and service providers who require access in order to perform legitimate insurance business functions.

If a data breach occurs involving personal information, affected individuals will be notified in accordance with applicable state and federal laws, including the Florida Information Protection Act (FIPA) where applicable.

9. Use of AI and Automated Technology

The Agency may utilize automated systems, artificial intelligence tools, customer relationship management systems, or data processing technologies to assist with administrative functions, communication services, lead management, scheduling, and general business operations.

These technologies are used only to support internal business processes and customer service functions. They are not used to make final underwriting decisions, determine eligibility for insurance coverage, or replace the decision-making authority of licensed insurance carriers.

Any technology vendors that process or store customer information are required to maintain appropriate confidentiality, security safeguards, and data protection practices consistent with applicable laws and industry standards.

10. Third-Party Lead Vendor Data Compliance

From time to time, the Agency may obtain consumer contact information from licensed lead vendors, marketing platforms, or data providers that represent that such information was collected in compliance with applicable federal and state laws.

When lead information is received from third-party providers:

  • The Agency uses the information solely for legitimate insurance marketing and communication purposes

  • The Agency relies on the vendor’s certification that consumer consent was obtained where required

  • The Agency maintains compliance with applicable communication laws including TCPA and FTSA

Consumers may opt out of marketing communications at any time using the contact methods provided in this policy.

11. Data Retention and Insurance Carrier Requirements

We retain personal and insurance-related data only for as long as necessary to:

  • Fulfill the purposes outlined in this Privacy Policy

  • Maintain insurance policy and underwriting records

  • Comply with insurance carrier contractual requirements

  • Comply with legal, tax, regulatory, and record-keeping obligations

Insurance records may be retained for extended periods when required by state insurance regulations, carrier agreements, or financial compliance obligations.

When information is no longer required, it is securely deleted, anonymized, or destroyed.

12. 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 certain personal information where permitted by law

  • The right to opt out of certain data-sharing practices where applicable

Requests regarding your personal data may be submitted using the contact information below.

Emma Lynn Dowd Insurance Agency

6823 Westend Ave.

New Port Richey, FL 34655

sales@emmalynndowd.com

13. Third-Party Websites

Our website or communications may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage users to review their privacy policies independently.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If material changes are made, we will notify users through our website or other appropriate communication channels.

Continued use of our services after updates are posted constitutes acceptance of the revised policy.

15. Contact Us

For questions about this Privacy 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 applicants under applicable state insurance laws and federal regulations.

Any PII collected is used to enroll applicants and verify eligibility within the Federally Facilitated Marketplace (FFM).

If you choose to provide PII, the information may be shared with:

  • Insurance providers

  • The Federally Facilitated Marketplace (FFM)

  • The Internal Revenue Service (IRS)

  • Other federal or state agencies necessary to determine eligibility for Advanced Premium Tax Credits (APTC) or other benefits.

Failure to provide requested information may result in the applicant being unable to qualify for Marketplace coverage or related programs.

GRAMM-LEACH-BLILEY ACT (GLBA) NOTICE OF FINANCIAL PRIVACY PRACTICES

In accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable financial privacy laws, Emma Lynn Dowd Insurance Agency provides the following notice regarding the handling of non-public personal information.

We collect non-public personal information about consumers from the following sources:

  • Information provided on insurance applications or forms

  • Information about transactions with insurance carriers or financial institutions

  • Information received from consumer reporting agencies or other authorized third parties

  • Information obtained during the insurance underwriting process

We may disclose non-public personal information only as permitted or required by law, including disclosures to:

  • Insurance companies and underwriting partners for policy evaluation and issuance

  • Service providers assisting with operational or compliance functions

  • Government or regulatory authorities when required by law

We do not sell or rent non-public personal information to third parties for marketing purposes.

We restrict access to non-public personal information to employees, agents, and service providers who require access to perform legitimate insurance business functions.

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, or misuse.

These privacy protections continue to apply even after a consumer relationship with the Agency has ended.

For questions regarding this notice or our privacy practices, please contact the Agency using the information provided above.