Privacy Policy

A legal disclaimer

Effective Date: 06/16/2025
Imperial Insurance Brokers
Protecting Your Health Information

1. Our Commitment to Your Privacy

At Imperial Insurance Brokers we are sure to keep your privacy and the security of your health and personal information are of the utmost importance. This Privacy Policy outlines how we collect, use, share, and safeguard your information in compliance with applicable federal and state laws, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

2. Information We Collect

We may collect and maintain the following types of Protected Health Information (PHI) and Personally Identifiable Information (PII) in the course of providing health insurance services:

Personal Information:

Full name, address, phone number, email
Date of birth, Social Security number
Employment and income information

Health Insurance Information:

Policy numbers, coverage details
Claims history and medical billing information
Doctor, hospital, or provider information
Medical records and health status (only as needed for underwriting or claims)

Online Data (if using our website):

IP address, browser/device information
Usage data via cookies or other tracking tools

3. How We Use Your Information

We use your information to:

Provide health insurance quotes and enroll you in plans
Process and administer insurance claims
Communicate with you about your policy, claims, or benefits
Comply with legal and regulatory requirements
Prevent fraud and ensure data security
Improve our services and customer experience

4. How We Share Your Information

We may share your information as necessary to perform our services and comply with the law:

With Health Insurance Providers – to facilitate plan enrollment or claim processing
With Medical Providers – if required for claim coordination or case management
With Business Associates – who assist us with billing, IT, or customer service (bound by HIPAA-compliant agreements)
With Regulators and Authorities – as required by law, such as reporting to HHS or responding to subpoenas

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

5. Your Rights Under HIPAA

You have the following rights regarding your Protected Health Information:

Right to Access – Request copies of your PHI
Right to Correct – Request corrections to inaccurate or incomplete information
Right to an Accounting of Disclosures – Request a list of certain disclosures made
Right to Request Restrictions – Ask us to limit how we use or share your data
Right to Confidential Communications – Request we contact you in a specific way
Right to File a Complaint – If you believe your privacy rights have been violated

To exercise any of these rights, contact us using the information at the end of this policy.

6. Safeguarding Your Information

We use a combination of physical, administrative, and technical safeguards to protect your information, including:

Secure databases and encryption
Access controls and employee training
HIPAA-compliant data handling procedures

However, no system is 100% secure, and we encourage you to safeguard your information as well (e.g., using strong passwords and protecting your personal devices).

7. Cookies and Website Tracking

Our website may use cookies or other tracking tools for analytics and functionality. These tools do not collect PHI but may track general usage patterns. You can manage your cookie preferences through your browser settings.

8. Policy Changes

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" above and provide prominent notice as required. Your continued use of our services constitutes your acceptance of the updated policy.

9. Contact Us

For questions about this Privacy Policy or your privacy rights, please contact:

Imperial Insurance Brokers
ImperialInsuranceBrokers24@gmail.com
561-556-7556
Privacy Officer Alan Perez

If you believe your privacy rights have been violated, you may also file a complaint with the U.S. Department of Health and Human Services – Office for Civil Rights at https://www.hhs.gov/ocr.