Privacy Policy

Effective Date: August 11, 2025
Last Updated: August 11, 2025

Our Commitment to Your Privacy

Simple Start Insurance (“we,” “our,” or “us”) is committed to protecting the privacy and confidentiality of your personal information. As a licensed insurance broker operating in Florida, Arizona, Kentucky, and select other states, we understand the importance of safeguarding your data and comply with all applicable federal and state privacy laws, including HIPAA, the Gramm-Leach-Bliley Act, and state insurance regulations.

Information We Collect

Personal Information:
– Name, address, phone number, email address
– Date of birth and Social Security number
– Employment and income information
– Health information (Protected Health Information under HIPAA)
– Insurance history and current coverage details
– Financial information relevant to insurance applications

How We Collect Information:

– Online quote forms and applications on simplestart.co
– Phone conversations and consultations (+1 786-730-9658)
– Email communications (support@simplestartinsurance.com)
– Paper forms and documents
– Third-party verification services

How We Use Your Information

We use your personal information to:
– Provide insurance quotes and recommendations
– Complete insurance applications and enrollments
– Communicate with you about your coverage options
– Process policy changes and renewals
– Comply with legal and regulatory requirements
– Improve our services and website functionality

Information Sharing and Disclosure

We Share Information With:
– Insurance carriers to obtain quotes and process applications
– Government agencies as required by law (CMS, state insurance departments)
– Third-party service providers who assist with our operations (Zoho CRM, Google Workspace, payment processors)
– Legal and compliance advisors when necessary

We Do Not:
– Sell your personal information to third parties
– Share information for marketing purposes without your consent
– Disclose information except as described in this policy or required by law

HIPAA Privacy Rights

Under the Health Insurance Portability and Accountability Act (HIPAA), you have the following rights regarding your Protected Health Information (PHI):

– Right to Access: Request copies of your health information
– Right to Amend: Request corrections to your health information
– Right to Restrict: Request limits on how we use or share your health information
– Right to Confidential Communications: Request communications in a specific way
– Right to File Complaints: File complaints with us or the U.S. Department of Health and Human Services

Data Security

We implement appropriate technical, physical, and administrative safeguards to protect your information:

Technical Safeguards:
– SSL encryption for data transmission (256-bit encryption)
– Secure cloud-based servers through Google Workspace and Zoho CRM
– Regular security updates and monitoring
– Multi-factor authentication for system access

Physical Safeguards:
– Locked file cabinets for paper records
– Restricted access to offices and files
– Secure disposal of documents through certified shredding

Administrative Safeguards:
– Staff training on privacy and security protocols
– Access controls and user authentication
– Regular privacy and security assessments
– Incident response procedures

Your Rights and Choices

– Opt-out of Marketing: Unsubscribe from promotional emails at any time using the link in our emails
– Access Your Information: Request a copy of personal information we maintain about you
– Correct Inaccuracies: Request corrections to your personal information
– Delete Information: Request deletion of your information (subject to legal retention requirements)
– Restrict Processing: Request limits on how we process your information

Cookies and Website Analytics

Our website (simplestart.co) uses cookies and similar technologies to:
– Remember your preferences and form data
– Analyze website traffic and usage patterns
– Improve user experience and site performance
– Provide relevant content and recommendations

You can control cookies through your browser settings. Disabling cookies may affect some website functionality.

Data Retention

We retain your personal information as long as:
– You remain our client or have active policies we service
– Required by state insurance regulations (typically 5-7 years)
– Required by federal law or regulation
– Necessary for legitimate business purposes, such as defending legal claims

Children’s Privacy

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

State-Specific Privacy Rights

Florida Residents: You have additional rights under Florida privacy laws
Other States: Residents of other states where we are licensed may have additional rights under state privacy laws

Cross-Border Data Transfers

Your information may be stored and processed in the United States. By using our services, you consent to the transfer of information to the U.S.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes by:
– Email notification to your registered email address
– Prominent notice on our website
– Updated effective date at the top of this policy

Contact Us

Privacy Officer: Andrew Harris
Phone: +1 786-730-9658
Email: support@simplestartinsurance.com
Mailing Address:
Simple Start Insurance
[18495 S Dixie Hwy 266]
[Cutler Ridge, FL, 33157]

To File a HIPAA Complaint:
U.S. Department of Health and Human Services
Office for Civil Rights
200 Independence Avenue, S.W.
Washington, D.C. 20201
Phone: 1-877-696-6775
Website: hhs.gov/ocr