РусскийPrivacy Policy
Privacy Policy
May 19, 2020
At West Michigan Mutual LLC dba Chief Insurance Services we value your privacy and believe the security of your information is critical. This Privacy Policy (“Policy”) will help you understand how we collect and use personal information from those who visit our website or make use of our online services, and what we will and will not do with the information we collect.
This Policy applies to West Michigan Mutual LLC dba Chief Insurance Services, and it governs any and all data collection and usage by us. Through the use of www.medicarechiefl.com, you are therefore consenting to the data collection procedures expressed in this Policy.
Please note that this Policy does not govern the collection and use of information by companies that West Michigan Mutual LLC dba Chief Insurance Services does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.
Specifically, this Policy will inform you of the following
- What personally identifiable information is collected from you through our website;
- Why we collect personally identifiable information and the legal basis for such collection;
- How we use the collected information and with whom it may be shared;
- What choices are available to you regarding the use of your data; and
- The security procedures in place to protect the misuse of your information.
Information We Collect
This site provides free health and life insurance quotes. In order to provide you accurate quotes we need to collect the following information: state of your residence, date of birth, gender, tobacco use, weight, height, coverage amount, additional health information may be requested. Health and life insurance carriers’ rates are based on the information mentioned above.
By filling out the Request Quote form, you’re requesting to be contacted by a LLC dba Chief Insurance Services licensed insurance broker regarding the purchase of your health or life insurance. The contact information collected (mailing address, phone number, email address) will be used only to contact you about the purchase of insurance. We do not share your information with other entities. We may share this information with life or health insurance carriers to help you find the best health or life insurance policy.
Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for on this Policy.
This website also collects other types of information, such as information automatically collected when visiting our website, which may include cookies, third party tracking technologies and log data.
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
Cookies
A cookie is a small text file a website sends to a user’s device and collects information about user action on a site. It is important to mention that none of the cookies our site uses are linked to personally identifiable information. Cookies help improve security measures on a website and detect suspicious activities. Cookies help determine how to improve the user’s experience, what to remove or add to the site.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
Cookies can be removed or disabled by following the directions provided by your browser (type “cookies” in your browser’s “Help” menu for instructions ).
Log data
Log data is the information recorded by a web server about when, how, and which visitors are using a website, including the internet address of the server or computer, date and time, the referring site and its URL, visitor’s browser, operating system and screen resolution. We do this to analyze what information our visitors are looking for and how to improve the quality of our site to provide better services to our clients. We collect broad demographic information, but we do not look at individual users or their user patterns or gather personally identifiable information. None of the information is shared with other parties.
Why We Collect Information and For How Long
We are collecting your data to better understand your needs and provide you with the services you have requested, to fulfill our legitimate interest in improving our services, to customize our website according to your online behavior and personal preferences.
The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.
Use of Information Collected
West Michigan Mutual LLC dba Chief Insurance Services does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties.
West Michigan Mutual LLC dba Chief Insurance Services may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible services that may be available to you from www.chiefinsuranceservices.com
West Michigan Mutual LLC dba Chief Insurance Services may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.
Disclosure of Information
West Michigan Mutual LLC dba Chief Insurance Services may not use or disclose the information provided by you except under the following circumstances: as necessary to provide services or products you have ordered; in other ways described in this Policy or to which you have otherwise consented; in the aggregate with other information in such a way so that your identity cannot reasonably be determined; as required by law, or in response to a subpoena or search warrant; to outside auditors who have agreed to keep the information confidential; as necessary to enforce the Terms of Service; as necessary to maintain, safeguard and preserve all the rights and property of West Michigan Mutual LLC dba Chief Insurance Services .
Communication with Clients
Once a user initiates communication with www.chiefinsuranceservices.com site by completing a request form or leaving a message, texting or calling, various forms of communication may occur. We may contact you by telephone, text, email or mail. We will contact only with the purpose of helping our clients to apply for or purchase life or health insurance (including vision, dental, annuity, hospital indemnity or similar product). This contact will come only from West Michigan Mutual LLC dba Chief Insurance Services staff members or brokers.
West Michigan Mutual LLC dba Chief Insurance Services greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in West Michigan Mutual LLC dba Chief Insurance Services products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.
By providing your personally identifiable information on this site, you are initiating a relationship with West Michigan Mutual LLC dba Chief Insurance Services and are consenting and requesting contact and information from us, which may be provided to you online, by phone, email, or mail by West Michigan Mutual LLC dba Chief Insurance Services or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent.
We do not send spam emails. If you receive an email from us, it is because you shared your email address for the purpose of receiving information or you have current relations from us (purchased insurance through us). You can unsubscribe from getting emails from us by clicking the”unsubscribe” link or replying to the email with the subject line “unsubscribe”.
We may share your personally identifiable information with insurance carriers, vendors or other parties for the purpose of assisting you in your purchase of insurance.
We will immediately remove you from our database if you contact us by email or phone number. At any time we will respect your request to put you on our own “Do not Contact” list.
Links to Other Websites
West Michigan Mutual LLC dba Chief Insurance Services does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website. WM Mutual is not responsible for third-parties policies or any loss or breach of data through these third-party systems.
Notice to European Union Users
West Michigan Mutual LLC dba Chief Insurance Services operations are located in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.
Security
West Michigan Mutual LLC dba Chief Insurance Services takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. DOB, contact information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the webpage.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal information under our control.
The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users’ trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.
Acceptance of Terms
By using this website, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and accept such changes.
We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time West Michigan Mutual LLC dba Chief Insurance Services decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
Additional Information
West Michigan Mutual LLC dba Chief Insurance Services is a licensed independent insurance broker. We do not underwrite any insurance policy quoted on this website. The information provided on this site has been developed for educational purposes. Any insurance policy premium quotes displayed on this site are non-binding. The premium for any policy is determined by the underwriting insurance company following the application.
How to Contact Us
If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.
Email: vrowell@westmimutual.com
Telephone Number: 616-929-3410
Mailing Address:
West Michigan Mutual LLC dba Chief Insurance Services
PO Box 526
Ada, MI
49301