OB1 Insurance Privacy Policy

Last Modified: 05/07/2025

Overview
Applicability of HIPAA and GLBA
Information Collected for Texting Program
Personal Information We Collect / Sources of Personal Information
Use of Personal Information
Disclosing Personal Information
Cookie Policy
Children Under the Age of 16
Your Privacy Rights
Your Privacy Rights – California
Retention of Data
Data Security
Third-Party Applications and Integrations
Updates to This Privacy Policy
Contact Information

OVERVIEW

This Privacy Policy describes how OB1 Insurance Agency, LLC (“we,” “us,” or the “Company”) collects, uses, and discloses personal information from customers and users of our website, www.ob1insurance.com, and services. This Privacy Policy applies to any other websites or platforms that the Company may create in the future (the “Platform”).

The purpose of the Platform is to provide information and tools to licensed insurance agents and prospective insurance agents (“Agents”). We also receive information about individuals who are interested in insurance or financial products (“Consumers”) and make such information available to licensed insurance agents who assist individuals with the purchase of the products (“Services”).

We may also work with “Lead Vendors” – companies that collect inquiries from Consumers and pass such inquiries to Agents and Company representatives. Lead Vendors must obtain appropriate consent from Consumers to be contacted regarding specific products before providing us with such Consumers’ information.

This Privacy Policy uses the term “Personal Information” to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

APPLICABILITY OF HIPAA AND GLBA

Since we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under another state or federal regulatory framework, like the Health Insurance Portability and Accountability Act (“HIPAA”) and related state laws, or the Gramm-Leach-Bliley Act (“GLBA”) and related state laws.

Specifically, we act as a Business Associate (as defined by HIPAA) if we receive client Protected Health Information (“PHI”) from lead vendors or on behalf of a health plan that is a Covered Entity (as defined by HIPAA). In our role as a Business Associate we collect, use, and disclose PHI to provide services for or on behalf of health plans. For more information about how PHI is used and disclosed, please review the applicable health plan’s Notice of Privacy Practices.

When we receive client information pertaining to certain insurance or financial products, we may collect non-public personal financial information, which is regulated by GLBA. For more information about how non-public personal financial information is used and disclosed, please review the GLBA Notice provided by the financial institution that issued the clients’ policies or products.

This Privacy Policy applies to personal information that is not covered by HIPAA or GLBA.

INFORMATION COLLECTED FOR TEXTING PROGRAM

Any information that we collect when you opt into receiving SMS and MMS text messages from us is used solely for the management of such texting communications program. We do not transfer your consent to be contacted via the texting program to any other entity.

PERSONAL INFORMATION WE COLLECT / SOURCES OF PERSONAL INFORMATION

Categories of Information

Contact Information
Consumers’ and Agents’ name, phone number, and email address, as well as Consumers’ postal address.
We may collect this information about Consumers from Lead Vendors, Agents, insurance carriers, data brokers, and agencies.

Identification Information*
Agents’ National Producer Number and Social Security number.
Consumers’ driver’s license, Social Security, and/or similar government-issued identification numbers.

Demographic Information
Consumers’ age, date of birth, marital status, language preference, ethnicity, race, and sex or gender.

Health Information*
Consumers’ health information provided in the course of discussions with an Agent or representative.

Sensory Information
Audio recordings of Consumer conversations and potential video snippets of user website activity evidencing consent.

Commercial Information
Information about requested or purchased insurance or financial products.

Internet or Network Activity
Browsing history, session duration, device ID, IP address, and interaction with the Platform.

Geolocation Data
May include precise geolocation collected automatically.

Educational and Professional Information
Background, profession, income, product preference, consumer behavior, and asset ownership.

*Some of these may be considered “sensitive” personal information under certain laws.

We do not collect biometric information.

HOW WE USE THE PERSONAL INFORMATION WE COLLECT

We may use or disclose the Personal Information that we collect for one or more of the following purposes:

Operate the Platform
Communicate with you
Contact Consumers regarding products of interest
Address inquiries
Process transactions
Personalize content
Analyze usage
Develop new services
Comply with legal obligations
Protect rights and safety
Conduct business transfers such as mergers or sales

We may also send communications such as announcements, promotions, or surveys. Users can opt out via the provided contact methods.

Text messaging is only used with opt-in consent.

HOW WE SHARE THE PERSONAL INFORMATION WE COLLECT

We may disclose Personal Information:

Service Providers – payment processors, email systems, operational tools
Business Partners – insurance carriers, affiliates, marketing organizations
Legal Authorities – law enforcement or regulatory agencies
Agents and Advisors – to facilitate product sales
Data Analytics & Advertising Providers – for targeted advertising

Targeted advertising may be considered a “sale” of Personal Information under some laws.

COOKIE POLICY

We use cookies, pixel tags, web beacons, and similar technologies to enhance user experience and track behavior.

Types include:

Advertising cookies
Analytics cookies
Social media cookies

Users can disable cookies via browser settings, though functionality may be affected. The Platform may recognize Global Privacy Control (GPC) signals.

CHILDREN UNDER THE AGE OF 16

The Platform is not intended for children under 16. We do not knowingly collect their data. If such data is discovered, it will be deleted.

YOUR PRIVACY RIGHTS

You may have the right to:

Know what data is collected
Access your data
Delete your data (with exceptions)
Correct your data
Opt-out of certain uses or sales

Requests can be made through the provided contact channels.

YOUR RIGHTS – CALIFORNIA (CCPA)

California residents may have additional rights:

Access collected data
Request copies
Correct inaccuracies
Request deletion
Opt out of sale/sharing
Limit use of sensitive data
Non-discrimination

We may “sell” or “share” data with advertising networks, analytics vendors, insurance carriers, and Agents.

RETENTION OF DATA

We retain Personal Information based on:

Legal or contractual obligations
Business needs
User expectations

When no longer needed, data is deleted, anonymized, or securely stored.

DATA SECURITY

We implement security measures to protect data, but no system is completely secure.

THIRD-PARTY APPLICATIONS AND INTEGRATIONS

We use third-party tools and are not responsible for their privacy practices. Users should review their policies.

UPDATES TO THIS PRIVACY POLICY

We may update this policy periodically. Continued use of the Platform constitutes acceptance of changes.

CONTACT INFORMATION

Phone: 518-661-6300
Email: info@ob1insurance.com
Address: 2441 St Hwy 30, Mayfield, NY 12117

Privacy Policy