SMS Privacy Policy for Lindstrand Insurance Agency, Inc.

At Lindstrand Insurance Agency, Inc. your privacy is important to us. This SMS Privacy Policy explains how we collect, use, protect, and manage your personal information, including any data you provide for SMS communications. By using our services, you agree to this policy.

1- SMS Consent Communication:

The information as phone numbers obtained as part of the SMS consent process will not be shared with third parties/affiliates for marketing purposes. SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party or affiliate company for marketing purposes

2- Types of SMS Communications:

If you have consented to receive text messages from Lindstrand Insurance Agency, Inc., you may receive messages related to the following:

Appointment reminders
Follow-up messages
Policy notifications
Renewal reminders
Premium change notices

3- Message Frequency:

Message frequency may vary depending on the type of communication. For example, you may receive up to [2] SMS messages per week related to your appointments.

4- Potential Fees for SMS Messaging:

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

5- Opt-In Method:

You may opt-in to receive SMS messages from Lindstrand Insurance Agency, Inc. in the following ways:

By texting START to 530-255-6800
By clicking on the "Opt-In" button at the bottom of the page.

6- Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can click the button below.

7- Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at at 530-255-2109.

Additional Options:

If you do not wish to receive SMS messages, you can opt out by replying "STOP".

8- Standard Messaging Disclosures:

Message and data rates may apply.

You can opt out at any time by texting “STOP.”

For assistance, text “HELP” or visit our https://www.lindinsure.com/privacypolicy or contact me via phone at 530-255-2109 or email jennifer@lindinsure.com

Message frequency may vary.

Opt-In

Opt-Out

Effective Date: November 17, 2024

Welcome to lindinsure.com. At lindinsure.com (“we,” us, “our”) we understand the importance of privacy. Protecting the privacy of your information is of great importance to us. This policy describes how we collect, use, and share information about you. Please take a moment to review the terms of our Privacy Policy.

By using this website (“Site”) you acknowledge and accept this Privacy Policy in its entirety, including our use of cookies. If you do not agree to our Privacy Policy, please stop using any services and exit the Site.

1. Information We Collect

Throughout this Privacy Policy, we refer to your information, whether or not it can be used to identify you, and whether or not you provide it to us or it is automatically collected from you, as “personal information.”

Personally Identifiable Information

Personally Identifiable Information (“PII”) is any information that can be used to identify or locate a particular person or entity. This may include, but is not limited to: your first and last name, contact information such as a phone number or an email address, and information about your needs.

We collect your PII only when you voluntarily and directly provide it. We may ask you to provide contact information when you comment on an article or other content on our website.

Non-Personally Identifiable Information

When you visit this Site, we may collect certain information about you, such as the type of browser you are using (e.g., Safari, Chrome), the type of operating system you are using, (e.g., Windows OS or Mac OS), and your IP address and the domain name of your Internet service provider (e.g., Xfinity, Verizon). By itself, this information (“non-personally identifiable information”) cannot be used to identify you individually. Much of this information is collected through cookies, web beacons, embedded scripts, and other tracking technologies.

We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage.

About tracking technologies:

Cookies. A cookie is a small text file that is stored on a user’s device, which may be a session ID cookie or tracking cookie. Session ID cookies make it easier for you to navigate the Service and expire when you close your browser. Tracking cookies help in understanding how you use the Service, and remain after you close your browser. The Service may associate some or all of these types of cookies with your devices. Cookies may remain on your device for extended periods of time.
Web Beacons (“Tracking Pixels”). Web beacons are small graphic images, also known as “web bugs”, “pixel tags” or “clear GIFs”, are small graphical images that may be used on the Site, or in our emails to deliver cookies, count content views and determine if an email has been opened and acted upon.
Embedded Scripts. An embedded script is a programming code that is designed to collect information about your interactions with the Site, such as the links you click on. The code is temporarily downloaded onto your computer or other device and is deactivated or deleted when you disconnect from the Site.
Location-Identifying Technologies. GPS (global positioning systems) software, geo-filtering, and other location-aware technologies locate you (sometimes with precision) for purposes such as verifying your location and delivering or restricting relevant content based on your location.
Device Fingerprinting. Device fingerprinting is the process of analyzing and combining sets of information elements from a device (“Usage Information”), to identify it as a unique device. Information elements may include IP address, device identifier, browser type, operating system, data regarding network connected hardware, and information about your use of the Service. To the extent that we combine Usage Information with your Personal Information, we will treat the combined information as personal information under this Privacy Policy.

For more information about cookies (and other kinds of online tracking), please visit www.consumer.ftc.gov/articles/0042-online-tracking. Some browsers have incorporated Do Not Track (“DNT”) preferences. As there is not yet an industry-standard DNT protocol on how to interpret DNT signals, we do not honor DNT signals from browsers at this time. However, you may refuse or delete cookies to prevent tracking activities, as described above.

Social Media and User-Generated Content

When you interact with the Site or any of our other online properties through a social media platform, we may collect and store any PII and non-personally identifiable information that the third-party social media entity passes us. The applicable third-party application provider’s privacy controls how they use your information.

When you post content, including social media content, on this Site, we may collect any information that you make available to us in your content, including any account username or other information included in your posts.

2. How We Use Your Information

We may use your Personal Information, for any purposes consistent with our statement under this Privacy Policy or as permitted by applicable law, including to:

Manage our Service, including your subscription to newsletters or other programs we may provide and for which you have selected;
Offer you information about our services or other information you have requested, or to respond to your questions, emails and other requests, and to provide customer service;
Send you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages;
Prevent and address fraud, breach of policies or terms, and threats of harm;
Monitor and analyze trends, usage and activities;
Conduct research, including surveys, focus groups, or other insight gathering methods;
Improve the Service or other affiliate websites, applications, marketing efforts, products, and services;
Send you advertisements and communicate with you regarding our third-party products and services;
Fulfill any other purpose disclosed at the time you provide Personal Information.

3. Sharing Information

We will not sell or rent your personal information collected on the Site with others except as set forth in this Privacy Policy. We may sell and share information we have collected about you, including personal information, with our partners for purposes of offering you information you have requested about our services or other matters.

Our policy is to permit these third-party service providers to obtain only the information they need to provide their services and to prohibit these providers from using information for any improper purpose. We also make efforts to require them to protect any personal information to the same extent that we do.

Our affiliate companies and vendors may receive, or be given access to your information, including Personal Information and Usage Information (described below), as needed for their work with us or on our behalf. Except as otherwise set forth in this section, these third parties are prohibited from using your information, including Personal Information, for any purpose other than to provide this assistance. We may permit third parties to use aggregate information which does not identify you, or de-identified data, for any valid purpose.

We also may share your information under the following circumstances:

To comply with the law or with other legal processes and, where required, to respond to lawful requests by law enforcement or by other public authorities, or to respond to a subpoena, to meet national security or law enforcement requirements, to protect the integrity of the Service or company if we believe that a user has committed unlawful or otherwise harmful acts, or to protect our interests relating to a legal proceeding;
In connection with, or during negotiations of, any proposed or actual merger, purchase, sale, consolidation with, or any other type of acquisition or business combination of all or any portion of the Service or our assets, or transfer of all or a portion of our business to an affiliated entity or third party;
With our affiliates, business partners, and other third parties for their own business purposes, including audience profiling and direct marketing purposes; and
For purposes disclosed at the time you provide Personal Information, and with your consent or discretion.

We also make efforts to require any party with whom we share information to protect Personal Information to the same extent that we do.

4. Your Rights and Choices

With respect to requesting access, opting out, or to be forgotten, please be advised:

There may be a delay while your request is being verified, deployed and processed across our servers.
Notwithstanding your opt-out request, we may contact you for the purpose of responding to any inquiry or request made by you.
Please note that we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Accessing Your Information

You have the right to access and update certain information that you have voluntarily submitted to us through the Service by sending an email to admin@lindinsure.com. We may require additional information from you to allow us to confirm your identity.

Deleting Your Information

If you would like us to delete or update the personal information that we have collected from you, please send your request via email to admin@lindinsure.com.

Communications

You can opt-out of receiving emails containing general information from us at any time, by emailing us at admin@lindinsure.com.

You also have a right to request not to receive telemarketing calls from us by asking us to place your telephone number on our internal Do Not Call List (“DNC List”). Our written Do Not Call Policy for maintaining our DNC List is available upon demand.

Your California Privacy Rights

This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act or “CCPA.”

For more details about the personal information we collect, please see the Information We Collect section above. We collect this information for the business and commercial purposes described in the How We Use Information section above. We share this information with the categories of third parties described in Sharing Information section above. Please note that we do use third-party cookies for certain purposes.

Subject to certain limitations, the CCPA provides California consumers the right to request to know more details about the categories or specific pieces of personal information we collect (including how we use and disclose this information), to delete their personal information, to opt out of any “sales” of their information that may be occurring, and to not be discriminated against for exercising these rights.

California consumers may make a request pursuant to their rights under the CCPA by contacting us at admin@lindinsure.com We will verify your request using the information available to us and may request additional information from you, such as your email address or government identification. Consumers can also designate an authorized agent to exercise these rights on their behalf.

5. Third Party Services

This Privacy Policy does not apply to any third-party applications or software that appear on or can be accessed on this Site. We are not responsible for, and this policy does not address, the privacy practices of third parties, which are subject to those third parties’ own privacy policies. We encourage you to familiarize yourself with and consult third parties’ privacy policies and terms of use.

The Site contains software and hyperlinks to websites, locations, platforms, and services that are operated and owned by third parties. These include tracking technologies operated by third parties. For example, analytics services such as Google Analytics, may use tracking technologies on our Site that compile statistics about activity on the Site.

The inclusion of a link on our services does not imply an endorsement of the linked sites or services by us or our affiliates.

To the extent we combine information we receive from third parties with PII you have provided us, we have, we will treat the combined information as Personal Information under this Privacy Policy.

6. International Users

We avoid knowingly collecting personally identifiable information about EU residents or citizens other European Economic Area countries. Our properties, including this Site, are intended for users in the United States.

The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country.

Your use of the Site or provision of any information constitutes your consent to the transfer to and from, processing, usage, sharing, and storage of your information, including PII, in the U.S. as set forth in this Privacy Policy.

7. Data Retention

Subject to any mandatory obligations to delete data, your information may be retained by us and in our agent portal, server logs, databases and records indefinitely.

8. Data Security

The security of your personal information is important to us. We take appropriate security measures (including physical, electronic, and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. With regard to internal operations of any Site or property owned by us, only authorized employees and authorized third party service providers are permitted to access personal information, and they may do so only for permitted business functions.

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

9. Minors’ Privacy

We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. We will never knowingly collect any personal information about individuals under eighteen (18) years of age. If we obtain actual knowledge that we have collected personal information about an individual under eighteen (18) years of age, that information will be immediately deleted from our database. If you are a parent or guardian and you believe that your child under age eighteen may have provided personally identifiable information through our Site, please contact us at admin@lindinsure.com

10. Notification of Changes

We reserve the right to change or update this Privacy Policy at any time. When we make material changes to the terms of this Policy we will provide notice on this page by posting a clear and conspicuous notice on the Site explaining that we are changing our Privacy Policy. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.

11. Contact Us

If you have any questions or comments about this Privacy Policy, please email us via the Contact Us page on this site, or by sending a letter to Lindstrand Insurance Agency, Inc., 3500 Bechelli Lane, Suite B, Redding, CA 96002.

TERMS & Conditions

HIPAA NOTICE OF PRIVACY PRACTICES

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU OR YOUR CLIENTS MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

Lindstrand Insurance Agency, Inc..  (hereinafter referred to as "Agency", "we", "our" or "us") is committed to protecting the privacy of your health information. In conducting our business, we will create records regarding you and the services we provide to you. A federal law, the Health Insurance Portability and Accountability Act of 1996 and its implementing regulations (collectively referred to as “HIPAA”), requires Agency to take reasonable steps to ensure the privacy of your "Protected Health Information" (as defined below) and to provide you with this Notice of Privacy Practices. We will abide by the terms of our Notice of Privacy Practices currently in effect.

This notice describes your rights concerning "Protected Health Information" ("PHI") about you. PHI is information that may identify you and that relates to (a) your past, present, or future physical or mental health or condition or (b) the past, present or future payment for your health care.

It may be necessary to change the terms of this notice in the future. We reserve the right to make changes and to make the new notice effective for all PHI that we maintain about you, including PHI we created or maintained in the past. If we make material changes to our privacy practices, we will provide you with the revised notice.

Uses and Disclosures of Your PHI

This section of the notice explains how Agency uses and discloses your PHI as required or permitted by law. As explained below, in some instances we may request your written authorization to use or disclose PHI.

Required Disclosures. Use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate and/or determine Agency's compliance with HIPAA's privacy regulations.
Uses and Disclosures Related to Treatment, Payment and Health Care Operations. Agency and its business associates may use or disclose PHI for activities related to treatment, payment and health care operations. As described in the next section entitled "Your Privacy Rights", you have the right to request a restriction on the use and disclosure of your PHI for treatment, payment or health care operations purposes.
Other Uses and Disclosures of Your PHI In addition to the uses and disclosures described above, Agency may use or disclose PHI for the following purposes: for public health activities (for example, to alert public health authorities of public health risks such as disease or to report child abuse or neglect); for health oversight activities (for example, to assist in investigations relating to insurance fraud); for data breach notification purposes to provide legally required notices of unauthorized access to or disclosure of your health information; for judicial and administrative proceedings (for example, in response to a subpoena or discovery request); for certain law enforcement purposes (for example, to report a crime); for protection against serious harm (for example, to protect victims of abuse, neglect or domestic violence); for specialized government functions (for example, to assist in national security and intelligence activities); for certain government-approved research purposes (if certain conditions are met); for workers' compensation purposes (for example, when required by workers' compensation laws); to a coroner, medical examiner, or funeral director (to permit them to carry out their legal duties); in order to facilitate organ donations and transplants; when necessary to prevent or lessen a serious and imminent threat to health or safety; or when required to do so by federal, state, or local law. Since we are not a health care provider, we do not engage in treatment of individuals and, accordingly, we will not share your information for such purposes. Examples of activities related to payment include payment of health care claims or collection of premiums. Examples of activities related to health care operations include quality improvement, fraud and abuse prevention and detection, and complaint resolution.
Use and Disclosure to Family Members or Other Personal Representatives. We may disclose PHI to a family member, guardian, executor, administrator or other person identified by you and authorized by law to act on your behalf with respect to health care. When disclosing information to such a person, we will take appropriate steps to verify the identity of such person.
Use and Disclosures to Plan Sponsor (Employer). We may disclose PHI to an employer-sponsor of a group health plan, if applicable, provided that any such plan sponsor certifies: (a) that the information provided will be maintained in a confidential manner and shall not be used for employment related decisions or for other employee benefit determinations or in any other manner not permitted by law; and (b) that the plan documents contain provisions concerning restrictions on how the plan sponsor may use or further disclose PHI.
Use and Disclosure to Contact You Regarding Health-Related Benefits and Services. Agency or its business associates may contact you regarding health-related benefits and services that may be of interest to you but only upon written authorization by you.
Uses and Disclosures to Business Associates. We may disclose PHI to our business associates, such as information systems consultants, production vendors and actuarial consultants, who perform services on our behalf. When we disclose information to a business associate, we will require the business associate to protect the privacy of your PHI through a written agreement with Agency.
Uses and Disclosures That Require Your Written Authorization. Other uses and disclosure of your PHI will be made only with your written authorization, unless otherwise permitted or required by law as described in this notice. You may revoke such authorization at any time, except to the extent Agency or its business associates or other entities have relied on such disclosure.

Other Applicable Law. In the event applicable law, other than HIPAA, prohibits or materially limits our uses and disclosures of PHI, as described above, we will restrict our uses or disclosures of PHI in accordance with the more stringent standard.

Your Written Authorization is Required for Other Uses and Disclosures

The following uses and disclosures of your Protected Health Information will be made only with your written authorization:

Uses and disclosures of Protected Health Information for marketing purposes; and
Disclosures that constitute a sale of your Protected Health Information

Other uses and disclosures of Protected Health Information not covered by this Notice or the laws that apply to us will be made only with your written authorization. If you do give us an authorization, you may revoke it at any time by submitting a written revocation to our Privacy Officer and we will no longer disclose Protected Health Information under the authorization. But disclosure that we made in reliance on your authorization before you revoked it will not be affected by the revocation.

Your Privacy Rights

This section of the notice describes your rights as an individual with respect to your PHI and summarizes how you may exercise these rights.

Right to Restrict Uses and Disclosures for Treatment, Payment and Health Care Operations Purposes. You have the right to request that we restrict uses and disclosures of your PHI for activities related to treatment, payment and health care operations as described above. Any such request must be made in writing to the address provided below and must state: (a) what PHI you want restricted; (b) whether the restriction shall apply to the "use" or "disclosure" of PHI, or both; and (c) to whom the restriction applies. Though we will evaluate all requests for restrictions, we are not required to agree to the restriction. If we agree to the restriction, we will abide by it, except in the case of emergency treatment or as required by law. We may terminate our agreement to a restriction if you agree to or request the termination of the restriction. In addition, we may notify you that we are terminating our agreement to a restriction as of a specified date, and that the restriction will no longer apply to PHI created or received by us after such date.
Right to Request Confidential Communications. You may request that we communicate with you about your health and related issues in a particular manner or at a certain location. For instance, you may wish to receive communications from us at your work location rather than your home. Any such request must be made in writing to the address provided below and must include a reason in support of your request. We will evaluate all such requests. We are required to accommodate your request for confidential communications if you clearly state that you could be endangered by the disclosure of all or part of your protected health information.
Right to Inspect and Copy Your PHI. You have a right to request access to your PHI in order to inspect or copy PHI that we use to make decisions about you (including medical records and billing records), other than psychotherapy notes or information compiled in reasonable anticipation of, or for use in, a criminal, civil or administrative action or proceeding. Any such request must be made in writing to the address provided below. If we approve your request, we may charge a reasonable fee for such inspection and copying of your PHI unless you need the information for a claim for benefits under the Social Security Act or any other state or federal needs-based benefit program. Under certain circumstances, we may deny your request for access to your PHI. If your request is denied, we will notify you of our reason for the denial and your right to have such denial reviewed, if any.
Right to Amend Your PHI. You have the right to request that we amend PHI that we use to make decisions about you if you believe the information is incorrect or inaccurate. Any such request must be made in writing to the address provided below and must include a reason in support of your request. Under certain circumstances, we may deny your request for amendment of your PHI. If your request is denied, we will notify you of our reason for the denial, your right to submit a written statement of disagreement or to have the request for amendment included with future disclosures, and your right to file a complaint with our Customer Care Center and/or the Secretary of the Department of Health and Human Services. If your request for amendment is granted, we will notify you that the amendment was approved. We will also ask you to identify relevant persons who should be informed of the amendment and ask that you agree to our communication with such persons.
Right to an Accounting of Disclosures. You have the right to receive an accounting of disclosures of your PHI made by Agency during the six years (or shorter period of time designated by you) prior to the date of your request. Such requests must be made in writing to the address provided below. The accounting of disclosures will not include disclosures made for treatment, payment and health care operations, disclosures made pursuant to your authorization, disclosures made prior to April 14, 2003 or certain other disclosures. The first request for an accounting of disclosures that you make within any 12-month period is free; however, we may charge you for additional requests within the same 12-month period.
Right to a Copy of Notice of Privacy Practices. You have the right to receive a paper copy of this notice upon request, even if you agreed to receive this notice electronically. You may request a paper copy of our most current notice at any time by contacting our Privacy Officer.
Right to an Electronic Copy of Electronic Medical Records. If your Protected Health Information is maintained in an electronic format (known as an electronic medical record or an electronic health record), you have the right to request that an electronic copy of your record be given to you or transmitted to another individual or entity. We will make every effort to provide access to your Protected Health Information in the form or format you request, if it is readily producible in such form or format. If the Protected Health Information is not readily producible in the form or format you request your record will be provided in either our standard electronic format or if you do not want this form or format, a readable hard copy form. We may charge you a reasonable, cost-based fee for the labor associated with transmitting the electronic medical record.
Right to Get Notice of a Breach. You have the right to be notified upon a breach of any of your unsecured Protected Health Information.

Messaging Terms and Conditions

You agree to receive information messages (appointment reminders, account notifications, etc.) from Lindstrand Insurance Agency, Inc. Message frequency varies. Message and fata rates may apply. For help, reply HELP or email us at jennifer@lindinsure.com. You can opt out at any time by replying STOP.

Complaints

You may file a complaint in writing with either our office or the Secretary of the Department of Health and Human Services if you believe your privacy rights have been violated within 180 days of a violation of your rights. We will not retaliate against you for filing a complaint.

Terms

Changes to the Terms of This Notice Changes to the Terms of This Notice We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request, in our office, and on our website.

In the Case of Fundraising

We may contact you for fundraising efforts, but you can tell us not to contact you again.

Additional Information

If you have any questions or need further assistance regarding this notice or to request assistance with any of the items listed above, please call 530-255-2109. The address to send any requests or to file complaints relating to your privacy rights (as described above) is Lindstrand Insurance Agency, Inc. 3400 Bechelli Lane, Suite B, Redding, CA 96002

Effective Date of this Notice: 11/1/2024

Terms