|⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳

PRIVACY POLICY

PRIVACY POLICY

CONTACT INFORMATION

The owner of this Website is:
STEVE TURNER INSURANCE SPECIALIST

EMAIL

Click the CONTACT US in the Main Navigation

WRITE

14502 N Dale Mabry Hwy,
Suite 200,
Tampa, FL 33618

DEFINITIONS

Steve Turner Insurance Specialist (“Company,” “we,” “us”)
www.SteveTurnerInsuranceSpecialist.com (the “Website”)
Terms of Use (See Terms of Use page on Company Website)
Disclaimer (See Disclaimer page on Company Website)

PRIVACY POLICY

Last updated: January 16, 2024

This privacy policy describes how the company collects, uses, and shares your personal information when you use our Website.

PERSONAL INFORMATION WE COLLECT(PRIVACY POLICY)

When you visit our site, we automatically collect certain information about your device, including your web browser, IP address, time zone, and some of the cookies installed on your device. Additionally, as you browse the site, we collect information about the individual web pages or products you view, what websites or search terms refer you to, and how you interact with the site. We refer to this automatically-collected information as “device information.”

WE COLLECT DEVICE INFORMATION USING THE FOLLOWING TECHNOLOGIES(PRIVACY POLICY)

  • “Cookies” are data files placed on your device or computer, often including a unique, anonymous identifier. For more information about cookies and how to turn off cookies, visit http://www.allaboutcookies.org.
  • “Log files” track actions occurring on the site and collect data, including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  • “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the site.

A “cookie” is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors. For instance, when we use a cookie to identify you, it enables you to log in using a password only once, thereby saving you time while on our site. Cookies can also enable us to track and target our users’ interests, thereby enhancing our site experience.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

WE USE DEVICE INFORMATION FOR(PRIVACY POLICY)

  • Functionality: To recognize you on our Website and recognize your previously selected preferences, including your preferred language and location
  • Advertising: To collect information about your visit, the content you viewed, the links you followed, and your web browser, device, and IP address. We sometimes share limited aspects of this data with third parties for advertising purposes.

You can set your browser to not accept cookies, and the Website above provides instructions on how to remove cookies from your browser. Some of our Website features may not function if you turn off cookies. Please note that we do not alter our site’s data collection and use practices when we see a Do Not Track signal from your browser.

We also collect data you provide to us directly. We refer to the data you provide as “Provided Information.” We collect and process the data you provide when you:

  • Please register online or order any of our products or services.
  • Volunteers can complete a customer survey, provide feedback on our message boards, or via email.
  • Telephone, Zoom, and similar communication methods

THE PROVIDED INFORMATION WE COLLECT MAY INCLUDE(PRIVACY POLICY)

  • Personal identification information (name, email address, phone number, etc.)
  • Billing information (billing address, shipping address, payment information, credit card numbers, etc.)
  • Usernames, emails, and passwords to 3rd party accounts such as hosting services, domain services, and similar

When we refer to “Personal Information” in this Privacy Policy, we mean both Device Information and Provided Information.

HOW WE USE YOUR PERSONAL INFORMATION (PRIVACY POLICY)

To complete any orders placed through the website, we use the information you provide us with. This includes handling your payment information, shipping products to you, and sending invoices and order confirmations. Additionally, we use the provided information to:

  • Communicate with you;
  • Screen our orders for potential risk or fraud, and
  • In line with the preferences you shared with us, we provide you with information and advertising related to our products and services.

In particular, we use the device information we collect to help us screen for fraud and potential risk. We also use this information more generally to optimize and improve our site, such as by creating analytics about customer behavior and site navigation and measuring the effectiveness of our marketing and advertising campaigns.

HOW WE SHARE YOUR PERSONAL INFORMATION (PRIVACY POLICY)

As described above, we share your personal information with third parties to help us use your data.

For instance, we use Google Analytics to gain a deeper understanding of how users interact with our website. You can read more about how Google uses your personal information at https://www.google.com/intl/en/policies/privacy/. You can also opt out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

The types of third parties with whom we might share elements of your Personal Information include:

  • We employ payment processors to handle and securely retain payment data, including credit and debit card details.
  • Providers of email management and distribution tools
  • Providers of security and fraud prevention tools and services,
  • Providers of data aggregation and analytics software services that allow us to monitor and optimize our site effectively

To protect our rights and comply with applicable laws and regulations, we may also disclose your personal information in response to a subpoena, search warrant, or other legitimate requests for information that we receive.

HOW WE STORE YOUR DATA (PRIVACY POLICY)

We securely store your data on remote third-party cloud storage servers, web servers, and NAS backup servers.

We safeguard the data kept on our servers against unauthorized access, alteration, disclosure, and destruction by implementing commercially reasonable security measures. Of course, no computer network or data transmission on the internet can be guaranteed to be 100% secure, so you submit your information at your own risk.

We will maintain your Personal Information for our records unless you ask us to delete this information.

EMAIL MARKETING (PRIVACY POLICY)

Suppose you make a purchase on this site and opt in to receive emails. In that case, you agree to receive email communications from this site, including but not limited to newsletters, site updates, promotions, and other announcements and correspondence. We are not responsible for the receipt of any such emails. You are responsible for ensuring that our email address(es) is not blocked or forwarded to your spam folder.

You have the right to opt out of our marketing communications. If you opt to unsubscribe from receiving emails, you understand that you may no longer receive information or updates from this site, including promotions.

BEHAVIORAL ADVERTISING (PRIVACY POLICY)

As described above, we use your Personal Information to provide targeted advertisements or marketing communications that may be of interest to you. For more information about targeted advertising, visit the Network Advertising Initiative’s (“NAI”) educational page http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by using the links below:

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at http://optout.aboutads.info/.

YOUR DATA PROTECTION RIGHTS (PRIVACY POLICY)

If you are a European resident, you have the right to access the personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. Under certain conditions, you may also have the right to restrict or object to the processing of your data and request that we transfer your Personal Information to another organization. If you wish to exercise these rights, please get in touch with us using the information provided.

Additionally, if you are a European resident, we process your information to fulfill contracts we may have with you (for example, if you place an order through the site) or to pursue our legitimate business interests listed above. Please note that your information will be transferred outside Europe, including Canada and the United States.

THIRD-PARTY WEBSITES (PRIVACY POLICY)

Our privacy policy applies only to our Website. We are not responsible for the data collection, privacy practices, or policies of any third-party site to which we may provide a link or that may link to our site. We encourage you to read the privacy statement and terms of use of other sites.

REGISTRATION (PRIVACY POLICY)

Our site may contain a registration form(s). To access certain parts of this Website, users may be required to complete a registration form. A user must provide certain information (such as name and email address) during registration. This information is used to contact you about the products and services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.

ORDERS (PRIVACY POLICY)

Our site may contain an order form. We request that you provide information on our order form. To place an order with us, you must provide your contact information (such as name and shipping address) and financial details (including credit card number and expiration date). This information is used for billing purposes and to fill your orders. If we encounter any issues processing your order, we’ll use this information to contact you.

CHANGES (PRIVACY POLICY)

We may update this privacy policy from time to time to reflect, for example, changes to our practices or other operational, legal, or regulatory reasons.

COMPLAINTS (PRIVACY POLICY)

Please contact us if you have any complaints about the use of your Personal Information to resolve the issue whenever possible. European Union residents also have the right to complain to their local data protection regulator, such as the Information Commissioner’s Office in the UK.

CONTACT US (PRIVACY POLICY)

For more information about our privacy practices, if you have questions or would like to exercise your data protection rights, please do not hesitate to contact us.