Privacy Policy

This Privacy Policy describes our Policies and Procedures on the collection, use, and disclosure of your information when you use our services. It also outlines your Privacy Rights and how the Law protects you. By using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with capitalized initial letters have specific meanings defined in the following conditions. The definitions apply regardless of whether they appear in singular or plural.

Definitions

• You: The individual accessing or using our services, or the company/legal entity on behalf of which such an individual is accessing or using the service.
• Company (referred to as "We", "Us", or "Our"): Comprehensive Insurance Consultants, LLC.
• Website: Refers to Comprehensive Insurance Consultants, LLC, accessible from www.cic4life.com.
• Service: Refers to the Website and associated services.
• Service Provider: Any legal or natural entity that processes data on behalf of the Company.
• Personal Data: Any information that relates to an identified or identifiable individual.
• Cookies: Small files placed on your computer, mobile device, or any other device to track and store browsing history details.
• Usage Data: Data collected automatically from your interaction with our service.
• Data Controller: For GDPR purposes, the entity responsible for deciding how personal data is processed.
• Data Broker: For CCPA purposes, a business that collects and sells personal information.

Collection and Use of Personal Data

Types of Data Collected

Personal Data

We may ask you to provide personal data, including:

• Name
• Email address
• Phone number
• Postal/Zip Code
• Usage Data

Usage Data

Usage Data is collected automatically when using our service and may include:

• IP address
• Browser type and version
• Pages visited, time spent on pages, and browsing history
• Device information

Tracking Technologies and Cookies

We use cookies and similar tracking technologies to monitor service activity and store information. You can instruct your browser to refuse cookies, but some service features may not be available if you do so.

Types of Cookies Used:

• Essential Cookies: Required for service functionality.
• Preference Cookies: Store user preferences.
• Analytics Cookies: Used for website performance tracking.
• Marketing Cookies: Used to deliver advertisements relevant to you.

Use of Personal Data

We may use personal data for the following purposes:

• To provide and maintain our services
• To manage your account and registration
• To contact you with updates and security alerts
• To provide customer support
• To analyze service usage and improve our offerings
• To comply with legal obligations

Sharing of Personal Data

We may share your personal data in the following cases:

• With Service Providers: To support our service operations.
• For Business Transactions: If our company is merged, acquired, or involved in asset sales.
• For Legal Reasons: If required to comply with legal obligations or protect rights and safety.

Data Retention

We retain personal data only as long as necessary for legal, contractual, or business purposes. Usage Data is generally retained for a shorter period unless required for security enhancements or compliance obligations.

Data Transfer

Your data may be transferred and processed outside your State, Province, or Country where data protection laws may differ. We ensure appropriate security measures are in place before such transfers occur.

Your Rights Under GDPR and CCPA

GDPR Rights (for EU Residents)

• Access, update, or delete personal data
• Object to data processing
• Restrict data processing
• Data portability
• Withdraw consent

CCPA Rights (for California Residents)

• Right to know what data is collected and shared
• Right to request data deletion
• Right to opt-out of personal data sales
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us at admin@cic4life.com.

Security of Personal Data

We take reasonable security measures to protect your data but cannot guarantee absolute security. If you suspect a data breach, please contact us immediately.

Children’s Privacy

Our services are not intended for anyone under 18. We do not knowingly collect data from minors. If we discover such data has been collected, we will take steps to remove it.

Third-Party Links

Our service may contain links to external sites. We are not responsible for their privacy practices and encourage you to review their policies.

Changes to This Privacy Policy

We may update this policy periodically. Changes will be posted on this page, and we encourage you to review it regularly.

Contact Us

If you have any questions about this Privacy Policy, contact us at: admin@cic4life.com or 2909 NW Peacock Blvd, #882095, Port Saint Lucie, FL 34988.