Privacy Policy

1. Introduction

The Simon Group USA, doing business as InsureMyPension ("Company," "we," "us," or "our"), is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial services.

This policy complies with the Gramm-Leach-Bliley Act (GLBA), Florida privacy laws, and other applicable federal and state privacy regulations governing financial services.

2. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, address, phone number, email address
• Identity Information: Social Security number, date of birth, driver's license number
• Financial Information: Income, assets, liabilities, bank account information, investment experience
• Employment Information: Employer, job title, employment status, retirement system participation
• Health Information: Medical history and health conditions (for insurance underwriting)
• Beneficiary Information: Names and contact information of designated beneficiaries

Non-Personal Information

• Website usage data and analytics
• Browser type and version
• Device information and IP address
• Cookies and tracking technologies
• Pages visited and time spent on our website

3. How We Collect Information

We collect information through various methods:

• Direct Collection: Information you provide when contacting us, scheduling appointments, or completing forms
• Application Process: Information collected during insurance applications and financial planning consultations
• Website Interaction: Information collected through cookies, web beacons, and analytics tools
• Third-Party Sources: Information from insurance companies, financial institutions, and other authorized sources
• Public Records: Information from publicly available sources as permitted by law

4. How We Use Your Information

We use your personal information for the following purposes:

Primary Business Purposes

• Providing retirement planning and financial advisory services
• Processing insurance applications and claims
• Conducting suitability assessments for financial products
• Maintaining client relationships and providing ongoing service
• Complying with legal and regulatory requirements

Secondary Purposes

• Improving our services and website functionality
• Sending educational materials and service updates
• Conducting market research and analysis
• Preventing fraud and ensuring security
• Marketing relevant products and services (with your consent)

5. Information Sharing and Disclosure

We May Share Information With:

• Insurance Companies: To process applications and provide quotes
• Financial Institutions: To facilitate transactions and account management
• Service Providers: Third-party vendors who assist with our operations
• Legal Authorities: When required by law or to protect our rights
• Affiliates: Other companies within our corporate family

We Do NOT Share Information With:

• Unaffiliated third parties for marketing purposes without your consent
• Companies that do not maintain adequate data protection standards
• Any party in violation of applicable privacy laws

6. Data Security Measures

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• SSL encryption for data transmission
• Secure servers with restricted access
• Regular security audits and updates
• Firewall protection and intrusion detection
• Encrypted data storage

Administrative Safeguards

• Employee training on privacy and security procedures
• Access controls and authentication requirements
• Regular privacy and security policy reviews
• Incident response procedures
• Vendor security assessments

Physical Safeguards

• Secure office facilities with controlled access
• Locked filing cabinets for physical documents
• Document destruction procedures
• Workstation security measures

7. Your Privacy Rights

Federal Rights (GLBA)

• Right to opt out of certain information sharing
• Right to receive our privacy policy annually
• Right to file complaints with regulatory authorities

Florida-Specific Rights

• Right to request access to your personal information
• Right to request correction of inaccurate information
• Right to receive notice of data breaches affecting your information

Additional Rights

• Right to limit marketing communications
• Right to request deletion of certain information (subject to legal requirements)
• Right to receive information about our privacy practices

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience:

Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

You can control cookie settings through your browser preferences, but some website features may not function properly if cookies are disabled.

9. Data Retention

We retain your personal information for the following periods:

• Active Client Records: Duration of the client relationship plus 7 years
• Insurance Applications: 7 years from application date
• Financial Planning Records: 7 years from last service date
• Marketing Communications: Until you opt out or as required by law
• Website Analytics: 26 months from collection date

We may retain information longer if required by law or for legitimate business purposes.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

11. Children's Privacy

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

12. International Data Transfers

Your information is primarily stored and processed within the United States. If we transfer information internationally, we will ensure appropriate safeguards are in place to protect your privacy rights.

13. Data Breach Notification

In the event of a data breach that may affect your personal information, we will notify you and relevant authorities as required by applicable law. We maintain an incident response plan to address potential security incidents promptly.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. For significant changes, we may provide additional notice through email or other means.

15. Contact Information

If you have questions about this Privacy Policy or our privacy practices, or if you wish to exercise your privacy rights, please contact us:

16. Regulatory Information

17. Acknowledgment

By using our website or services, you acknowledge that you have read and understood this Privacy Policy and consent to our collection, use, and disclosure of your personal information as described herein.