Privacy Policy

Effective Date: January 1, 2025
Last Updated: January 1, 2025

1. Introduction

Kame Insurance Agency ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request an insurance quote
• Complete a contact form
• Opt in for notifications
• Apply for insurance coverage

This information may include:

• Full name
• Email address
• Phone number
• Mailing address and ZIP code
• Date of birth
• Social Security number (only when required for applications)
• Medical information (as needed for coverage assessment)
• Financial and payment information

2.2 SMS and Text Messaging

When you provide your phone number and opt in to receive SMS messages, we collect:

• Your mobile phone number
• Consent preferences for SMS communications
• Message interaction data (delivery, open rates)

2.3 Automatically Collected Information

We may automatically collect certain information when you visit our website:

• IP address
• Browser type and version
• Device information
• Pages visited and time spent
• Referring website addresses

3. How We Use Your Information

We use your information to:

• Provide quotes and recommendations for health insurance plans
• Process insurance applications and enrollments
• Communicate with you about your coverage and account
• Send you requested information about our services
• Respond to your inquiries and provide customer support
• Send marketing communications (with your consent)
• Improve our website and services
• Comply with legal obligations

4. SMS Notification Communications (10DLC Compliant)

4.1 Purpose and Consent

By providing your mobile phone number and opting in to SMS notifications, you agree to receive text messages from Kame Insurance Agency. Messages are sent for notification purposes only, including quote updates, policy information, and appointment reminders.

4.2 Privacy Protection

We do not sell, rent, or share your phone number or SMS opt-in information with third parties for their marketing purposes.

4.3 Message Frequency and Charges

You may receive up to 3 SMS messages per week. Standard message and data rates may apply as determined by your carrier.

4.4 Opt-Out and Support

You may opt out of SMS notifications at any time by replying STOP to any message you receive from us.

For assistance, reply HELP or contact us at info@kameins.com.

4.5 Consent Not Required

Consent to receive SMS notifications is not a condition of obtaining a quote or purchasing insurance from Kame Insurance Agency.

5. How We Share Your Information

We may share your information with:

• Insurance Carriers: To obtain quotes and process applications
• Service Providers: Third-party vendors who assist us in operating our website and conducting our business (e.g., form processing services, email providers, CRM systems)
• Legal Compliance: When required by law or to protect our rights

We do not sell your personal information to third parties.

6. Third-Party Services

We use the following third-party services:

• Formspree: For contact form submissions
• SMS Provider: For text message delivery (with your explicit consent)

These providers may collect and process your information according to their own privacy policies.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

9. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt-out of marketing communications
• Object to processing of your personal information

To exercise these rights, contact us at info@kameins.com.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the updated Privacy Policy on this page and revising the "Last Updated" date.

12. Contact Us

If you have questions about this Privacy Policy, please contact us:

Kame Insurance Agency
Email: info@kameins.com
Website: kameins.com

13. HIPAA Compliance

As an insurance intermediary, we may have access to protected health information (PHI). We comply with all applicable provisions of the Health Insurance Portability and Accountability Act (HIPAA) and handle all health information with appropriate safeguards.