KBK Insurance Agency and our affiliates (“We”), care about your privacy and want you to feel comfortable and secure in your use of our site. We urge you to read this notice explaining our online information practices. By visiting this site, you are accepting the practices described in this Privacy Notice. This site is optimized for using Internet Explorer 5.0 or higher and FireFox 1.0 or higher.

How is this Information Used?

There are two types of information that we collect:

  • Personal Information – this is “individually identifiable” information you provide to us.
  • Aggregate Information – Standard web server/visitor traffic information, regarding overall Web site traffic patterns. Normally, web servers collect this type of basic information as part of their web log processes. We do not report on individual user sessions.

Personal Information

During your use of the site, there are specific areas where we ask you to provide us with information about yourself. All information collected is used to support normal business operations that allow us to act as your insurance agent during the quoting and application process, and support your future customer service needs. We ask for information as follows on this site:

Generating A Personalized Quote

Whether you opt to got straight to the quote-generating application (Quote Me Now!) or use our extensive tools (QuoteAdvisor) to help narrow your options, we request specific demographic information (e.g., county of residence and zip code), certain personal information (e.g., the gender and date of birth of all individuals to be covered under the policy, tobacco usage among any of the individuals to be covered, full-time student status of any individuals to be covered), and preference information (e.g., what type of coverage is desired, when coverage is needed). This information is necessary to provide you with the most accurate quote possible. At no point during this stage of the quoting process are you required to provide personally identifiable information, such as name, social security number, address, telephone number or e-mail address.

Quote Me Now! And QuoteAdvisor Tools

Within this section of our site, you are asked to provide your preferences regarding the type of coverage you are seeking. Specifically, we ask you to sort and/or filter your choice of available plans based on the selection criteria that is important to you. At no point during this stage are you required to provide personally identifiable information, such as name, social security number, address, telephone number or e-mail address.

Creating An Account and Log In Profile

Should you desire to save your work from a particular session on this site, you will be asked to supply certain information to establish a unique log-in account. Specifically, you are required to supply a unique user ID and password. This profile will allow you to access your saved work for future sessions on the website. At no point during this stage are you required to provide personally identifiable information, such as name, social security number, address, telephone number or e-mail address.

Application Request

We request information from our user when they begin the formal process of applying for insurance coverage. The user is asked to provide certain personal information (e.g., name, address, phone number, and e-mail address) that will enable the us to act as your agent during the application process with a selected carrier. This information allows us to complete your request for a hard-copy application, to contact you if any issues arise during the application and underwriting process, to follow-up on application status and to provide ongoing service to you after their purchase of insurance is completed.

Online Applications

Our website offers you the ability to complete the applications for specific carriers’ insurance products online. These applications ask you to provide contact information (e.g., name, address, telephone number, e-mail address), personal information (e.g., gender, date of birth, citizenship status), personally identifiable information (e.g., social security number), private health information (e.g., current or past medical conditions, current or past medication usage, and current or past physician name), and financial information (e.g., credit card number and expiration date). This information is used to populate the insurance company’s application, and will be shared with that company’s underwriting department. It will also be available to us, your agent, to assist you during and after the application process.

We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up-to-date. If you want to correct or update your contact information, you can do so directly in your profile on the website, or you may contact us at the number or e-mail address listed on this website. Please note that once your application has been submitted to a specific health insurance company, you may have to contact that insurance company directly to update your application.

Aggregate Information

In addition to information provided directly by you, we use the normal Internet tracking tools associated with standard Internet protocols and web-based systems. This system information is typically stored in log files and is used for aggregate reporting. Aggregate reporting includes: total number of visitors, most visited sections, peak traffic times, etc.

Log files are simply transaction records that web servers maintain. These log files are used for recording information, such as: service provider IP addresses, browser versions, referring Web sites, search terms used, average number of pages requested, average duration of visit, and/or total visitor traffic.

We use aggregate information gathered from your visit to better design our Web site. This information supplies us with a broad picture of how people use our Web site and helps us manage our system and better serve our users.

We also gather anonymous information about you for our internal purposes. Anonymous information is any information that does not personally identify you as a user. This typically includes demographic information about the users coming to our site (e.g., age, zip code, products quoted). This information may be used for marketing purposes, and/or to improve our services to the likely users of our site, but only on an aggregate basis.

Do We Share the Information We Receive?

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information collected on this and our other sites only as described below and with subsidiaries or affiliates we controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

Carriers and their Affiliates: When you select a carrier and apply for coverage we transfer the information you provide in the enrollment process to the carrier or its administrators. Each carrier and their affiliates have a privacy statement. In addition, your Personal Health Information, as defined by Federal laws and regulations, have additional protections all carriers, their affiliates and business partners are required to uphold.

Affiliated Businesses We Do Not Control: We work closely with certain affiliated business partners. You can tell when a third party is involved in your transactions, and we share customer information related to those transactions with that third party.

Third-Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.

How Secure Is Information About Me?

We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

Important Information Regarding Links to Other Sites

This and our other web sites contain links to other web sites that are not under our control. We are not responsible for the content of any linked web site, or any link contained in a linked Web site, or any changes or updates to such web sites. The inclusion of any link does not imply our endorsement of that web site or its owners.