Privacy Policy

Welcome to iEnsure Insurance. This Privacy Policy explains how iEnsure Insurance Group, iEnsure Insurance Solutions, MacCap, LLC, and affiliated entities (collectively, "we," "us," "our," or the "Company") collect, use, disclose, and protect information when you visit www.iensureinsurance.com (the "Website").

This Privacy Policy applies ONLY to information collected through this Website. It does NOT apply to the InstaBrain Platform (https://iensureinsurance.instabrain.io), which has its own separate Privacy Policy.

By using this Website, you consent to the data practices described in this Privacy Policy. If you do not agree with our policies and practices, please do not use the Website.

This Website Does NOT Collect, Store, or Process:

• Protected Health Information (PHI): We do not collect any medical records, health conditions, diagnoses, medications, or any information protected under HIPAA.
• Financial Account Information: We do not collect or store credit card numbers, bank account details, or other financial account credentials on this Website.
• Social Security Numbers: We do not collect Social Security Numbers, driver's license numbers, or other government-issued identification numbers on this Website.
• Insurance Application Data: Complete insurance applications, underwriting information, and policy data are collected and processed exclusively on the InstaBrain Platform, not on this Website.

All insurance application data is submitted through and stored on the InstaBrain Platform (https://iensureinsurance.instabrain.io), which operates independently with its own data handling practices.

3.1 Contact Information

If you voluntarily submit information through contact forms or other interactive features on the Website, we may collect:

• Name
• Email address
• Phone number
• State of residence
• Type of insurance interest (general categories only)
• Optional messages or questions you provide

This information is collected solely to respond to your inquiries and provide you with information about our services. It is not shared with third parties except as described in this Privacy Policy.

3.2 Automatic Information Collection

When you visit the Website, we automatically collect certain information about your device and usage, including:

• Device Information: Browser type, operating system, device type (desktop, mobile, tablet)
• Usage Data: Pages viewed, time spent on pages, links clicked, referring website
• Location Data: Approximate geographic location at the state or city level (not precise GPS coordinates)
• IP Address: Internet Protocol address for security and analytics purposes

3.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience and collect usage data. See Section 7 for detailed information about cookies.

We use the limited information collected on this Website for the following purposes:

• Responding to Inquiries: To answer your questions and provide information about insurance products
• Marketing Communications: To send you information about insurance products (with your consent where required)
• Website Improvement: To analyze usage patterns and improve the Website's functionality and content
• Security: To detect, prevent, and respond to fraud, security issues, and technical problems
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Analytics: To understand how visitors interact with the Website and measure the effectiveness of our marketing

5.1 We Do NOT Sell Your Personal Information

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

5.2 Limited Sharing

We may share information collected on this Website with:

• Service Providers: Third-party companies that perform services on our behalf (e.g., email service providers, analytics providers, hosting services). These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• Affiliated Entities: iEnsure Insurance Group, iEnsure Insurance Solutions, MacCap, LLC, and other entities under common ownership or control.
• Insurance Carriers: If you request a quote or express interest in a policy, we may share basic contact information with Fidelity Life Association or other insurance carriers to facilitate your inquiry.
• Legal Requirements: When required by law, subpoena, or legal process, or to protect our rights, property, or safety.
• Business Transfers: In connection with a merger, acquisition, sale of assets, or bankruptcy.

5.3 Third-Party Websites

This Website contains links to third-party websites, including the InstaBrain Platform. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any information.

We implement reasonable administrative, technical, and physical security measures to protect the information we collect on this Website, including:

• 256-bit SSL encryption for data transmission
• Secure hosting infrastructure
• Access controls and authentication
• Regular security assessments

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7.1 Types of Cookies We Use

• Essential Cookies: Necessary for the Website to function properly (e.g., session management, security)
• Analytics Cookies: Help us understand how visitors use the Website (e.g., Google Analytics)
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements

7.2 Managing Cookies

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you disable cookies, some features of the Website may not function properly.

7.3 Third-Party Analytics

We use Google Analytics and other third-party analytics services to collect usage data. These services may use cookies and similar technologies. You can opt out of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout.

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Opt out of marketing communications at any time
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information in Section 13.

California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, disclose, and sell, and the right to request deletion of your personal information.

This Website is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

We retain the limited information collected on this Website for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Contact information submitted through inquiry forms is typically retained for up to 3 years.

This Website is operated from the United States. If you are accessing the Website from outside the United States, please be aware that information collected through the Website may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Privacy Policy.

For material changes that significantly affect your rights, we will provide additional notice, such as a prominent announcement on the Website or an email notification.