{"id":3,"date":"2026-02-03T23:50:04","date_gmt":"2026-02-03T22:50:04","guid":{"rendered":"https:\/\/clubinsuranceusa.com\/?page_id=3"},"modified":"2026-02-26T19:31:34","modified_gmt":"2026-02-26T18:31:34","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/clubinsuranceusa.com\/es\/legal-documents\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3\" class=\"elementor elementor-3\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03ddc0d e-flex e-con-boxed e-con e-parent\" data-id=\"03ddc0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96bd81a elementor-widget elementor-widget-html\" data-id=\"96bd81a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"ci-privacy-policy\">\r\n\r\n  <div class=\"ci-pp-hero\">\r\n    <h1>Privacy Policy<\/h1>\r\n    <p class=\"ci-pp-date\"><strong>Effective Date:<\/strong> February 25, 2026<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <p>\r\n      Club Insurance Services LLC (\u201cCompany,\u201d \u201cwe,\u201d \u201cour,\u201d or \u201cus\u201d) operates in multiple U.S. states and complies with\r\n      applicable federal and state privacy, insurance, and consumer protection laws, including but not limited to:\r\n    <\/p>\r\n\r\n    <ul>\r\n      <li>Gramm-Leach-Bliley Act (GLBA)<\/li>\r\n      <li>Federal Trade Commission regulations<\/li>\r\n      <li>Telephone Consumer Protection Act (TCPA)<\/li>\r\n      <li>CAN-SPAM Act<\/li>\r\n      <li>State Insurance Privacy Regulations<\/li>\r\n      <li>Applicable State Consumer Data Privacy Laws<\/li>\r\n    <\/ul>\r\n\r\n    <p>\r\n      This Privacy Policy governs information collected through our website, digital communications, applications, and insurance related services across all states in which we operate.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>1. Scope of Application<\/h2>\r\n    <ul>\r\n      <li>Website visitors<\/li>\r\n      <li>Insurance applicants<\/li>\r\n      <li>Policyholders<\/li>\r\n      <li>Prospective clients<\/li>\r\n      <li>Independent agents affiliated with our platform<\/li>\r\n      <li>Business partners<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>2. Categories of Information Collected<\/h2>\r\n\r\n    <h3>Personal Identifiers<\/h3>\r\n    <ul>\r\n      <li>Name<\/li>\r\n      <li>Address<\/li>\r\n      <li>Correo electr\u00f3nico<\/li>\r\n      <li>Phone number<\/li>\r\n      <li>Date of birth<\/li>\r\n      <li>Government identification numbers when required<\/li>\r\n    <\/ul>\r\n\r\n    <h3>Insurance Underwriting Data<\/h3>\r\n    <ul>\r\n      <li>Vehicle data<\/li>\r\n      <li>Property details<\/li>\r\n      <li>Business operations data<\/li>\r\n      <li>Claims history<\/li>\r\n      <li>Health information (for life and health policies)<\/li>\r\n    <\/ul>\r\n\r\n    <h3>Financial Data<\/h3>\r\n    <ul>\r\n      <li>Premium payments<\/li>\r\n      <li>Banking information<\/li>\r\n      <li>Billing records<\/li>\r\n    <\/ul>\r\n\r\n    <h3>Digital & Technical Data<\/h3>\r\n    <ul>\r\n      <li>IP address<\/li>\r\n      <li>Browser and device type<\/li>\r\n      <li>Geolocation (approximate)<\/li>\r\n      <li>Cookies and tracking identifiers<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>3. Multi-State Data Compliance<\/h2>\r\n    <p>Residents of certain states may have additional rights under state specific laws.<\/p>\r\n\r\n    <ul>\r\n      <li>Right to access personal data<\/li>\r\n      <li>Right to request deletion<\/li>\r\n      <li>Right to correct inaccuracies<\/li>\r\n      <li>Right to opt out of targeted advertising<\/li>\r\n      <li>Right to limit use of sensitive personal information<\/li>\r\n    <\/ul>\r\n\r\n    <p>\r\n      Requests must be submitted to:\r\n      <a href=\"mailto:info@clubinsuranceusa.com\">info@clubinsuranceusa.com<\/a>\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>4. Information Sharing<\/h2>\r\n    <ul>\r\n      <li>Insurance carriers licensed in your state<\/li>\r\n      <li>Managing General Agencies<\/li>\r\n      <li>Third party underwriting systems<\/li>\r\n      <li>Cloud hosting providers<\/li>\r\n      <li>Regulatory authorities<\/li>\r\n    <\/ul>\r\n\r\n    <p>We do not sell personal information.<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>5. Data Security<\/h2>\r\n    <ul>\r\n      <li>Encrypted communication channels<\/li>\r\n      <li>Access control policies<\/li>\r\n      <li>Vendor oversight<\/li>\r\n      <li>Secure cloud storage<\/li>\r\n      <li>Regulatory compliance audits<\/li>\r\n    <\/ul>\r\n  <\/div>\r\n\r\n  <div class=\"ci-pp-card\">\r\n    <h2>6. Health Information Disclaimer<\/h2>\r\n    <p>\r\n      Where health information is collected for life or health insurance purposes,\r\n      such information is transmitted to licensed carriers for underwriting.\r\n      We do not act as a healthcare provider and are not responsible for carrier underwriting decisions.\r\n    <\/p>\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Privacy Policy Effective Date: February 25, 2026 Club Insurance Services LLC (\u201cCompany,\u201d \u201cwe,\u201d \u201cour,\u201d or \u201cus\u201d) operates in multiple U.S. states and complies with applicable federal and state privacy, insurance, and consumer protection laws, including but not limited to: Gramm-Leach-Bliley Act (GLBA) Federal Trade Commission regulations Telephone Consumer Protection Act (TCPA) CAN-SPAM Act State Insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":3525,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/pages\/3","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":1,"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/pages\/3\/revisions"}],"predecessor-version":[{"id":3581,"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/pages\/3\/revisions\/3581"}],"up":[{"embeddable":true,"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/pages\/3525"}],"wp:attachment":[{"href":"https:\/\/clubinsuranceusa.com\/es\/wp-json\/wp\/v2\/media?parent=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}