Privacy Policy

1. Introduction

Great Oak Insurance Solutions, LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website greatoakis.com or use our services.

2. Information We Collect

Information You Provide to Us

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

• Contact us via phone, email, or contact form
• Request a quote or consultation
• Apply for insurance coverage
• Subscribe to our newsletter or communications

This information may include:

• Name and contact information (email, phone number, address)
• Date of birth and age
• Health information (for insurance applications)
• Current insurance coverage information
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Date and time of visits

3. Cookies and Tracking Technologies

Current Status: As of the last update of this policy, we do not currently use cookies or tracking technologies on our website. However, we reserve the right to implement such technologies in the future to improve user experience.

If We Implement Cookies in the Future

We may use the following types of cookies:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our website (e.g., Google Analytics)
• Functional Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Track your browsing habits to show you relevant advertisements

Most web browsers allow you to control cookies through their settings. You can choose to block or delete cookies, though this may affect your ability to use certain features of our website.

4. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and recommendations
• Process insurance applications and enrollments
• Communicate with you about your insurance needs and our services
• Send you important updates about your coverage or policy changes
• Comply with legal and regulatory requirements
• Improve our website and services
• Prevent fraud and enhance security

5. How We Share Your Information

We may share your personal information with:

• Insurance Carriers: To obtain quotes and process applications for insurance products
• Service Providers: Third-party companies that help us operate our business (e.g., email providers, hosting services)
• Legal Authorities: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for their marketing purposes.

6. Third-Party Links

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

7. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

8. HIPAA Compliance and Protected Health Information (PHI)

Great Oak Insurance Solutions, LLC is committed to complying with the Health Insurance Portability and Accountability Act (HIPAA) and protecting your Protected Health Information (PHI).

What is Protected Health Information (PHI)?

PHI includes any health information that can be linked to you, such as:

• Medical history and current health conditions
• Prescription medication information
• Medicare or insurance plan details
• Healthcare provider information
• Any other health-related information you provide to us

How We Collect PHI

We may collect PHI when you:

• Request a Medicare insurance quote or consultation
• Complete an insurance application
• Communicate with us via phone, email, or secure forms
• Authorize us to review your current healthcare coverage

How We Protect Your PHI

We implement strict safeguards to protect your PHI:

• Secure Transmission: We use industry-standard encryption (SSL/TLS) to protect data transmitted through our website
• Limited Access: Only authorized staff members who need access to provide services have access to your PHI
• Secure Storage: PHI is stored in secure, encrypted databases with restricted access
• No Unsecured Email: We do not request or accept PHI via unencrypted email. If you need to share sensitive health information, please call us directly at (951) 319-3545
• Staff Training: All employees receive HIPAA compliance training

How We Use and Share Your PHI

We only use and disclose your PHI for permitted purposes under HIPAA:

• Treatment, Payment, and Operations: To provide insurance quotes, process applications, and coordinate your Medicare coverage
• With Your Authorization: We will not share your PHI with third parties without your written consent, except as required by law
• Insurance Carriers: To obtain quotes and submit applications on your behalf (with your consent)
• Legal Requirements: When required by federal or state law

Your Rights Under HIPAA

You have the following rights regarding your PHI:

• Right to Access: You may request a copy of your PHI that we maintain
• Right to Amend: You may request corrections to inaccurate or incomplete PHI
• Right to an Accounting: You may request a list of disclosures we've made of your PHI
• Right to Request Restrictions: You may request limitations on how we use or disclose your PHI
• Right to Confidential Communications: You may request that we communicate with you in a specific way or at a specific location
• Right to a Paper Copy of This Notice: You may request a printed copy of this privacy policy at any time

HIPAA Privacy Officer Contact

For questions about your PHI or to exercise your HIPAA rights, please contact our Privacy Officer at info@greatoakis.com or call us at (951) 319-3545.

9. 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. Insurance records may be retained for extended periods to comply with regulatory requirements.

9. Your Privacy Rights

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

• Access: Request a copy of 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 retention requirements)
• Opt-Out: Opt out of marketing communications at any time

To exercise these rights, please contact us using the information provided below.

10. California Privacy Rights

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 information.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

• Email: info@greatoakis.com
• Phone: (951) 319-3545
• Address: Menifee, CA

14. Additional Information

For more information about our business practices, please review our Terms of Service.