Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate and make use of personal information, along with your rights regarding this information. The following outlines our privacy policy.
Company Overview
Paramount Evergreen Insurance & Financial Solutions is a life & health licensed insurance agency in 21 states. We are growing and this number of states may change at any time.
We specialize in secondary insurance to Medicare, such as Medicare Supplements (Medigap policies), Medicare Advantage Plans, and Part D drug plans. We also assist those looking for other types of life and/or health insurance such as final expense life insurance, hospital indemnity policies, short-term care policies, etc. We can help you select a policy that meets your health and financial needs, assist in signing up for said policy, and be available to service that policy as long as it is in force.
Use of Cookies
When accessing the https://paramountevergreeninsurance.com website, Paramount Evergreen Insurance & Financial Solutions will learn certain information about you during your visit.
Similar to other commercial websites, our website utilizes a standard technology called "cookies" (see explanation below) and server logs to collect information about how our site is used. Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.
IP Addresses
IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.
Email Information
If you choose to correspond with us through email, we retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received online, mail and telephone. This also applies when you register for our website or sign up through any of our forms using your email address. For further information, see the email policies below.
Information We Collect
The information that we collect is used in conjunction with our regular process of business. We collect information about you from several sources. For example:
- Information you provide to us on insurance applications and in one-on-one phone or electronic communications, such as your name, address, social security number, Medicare claim number, date of birth, marital status, employment, banking information, income and health information.
- Information provided to us through forms on our website such as email address, address or zip code, age, birth year, and phone number.
Information We Share With Others
We do not share or sell ANY of your personal information for marketing purposes. If our policy were to change, we would be required by law to notify you prior to sharing your information. If you apply for an insurance policy using our firm, we do share your personal information as necessary to conduct business on your account:
- With our employees and Representatives as needed to open, maintain and service your account(s).
- With unaffiliated third parties, such as our clearing firms, product sponsors and banks in order to carry out your instructions.
- With unaffiliated third party vendors in order to create and maintain records of your account. For example: information regarding your account is provided to a third party vendor to create a statement.
- As required to do so by law. For example: by subpoena, or as required to comply with a regulatory agency or government order.
- With insurance companies to determine whether or not they may approve your policy based on your health status or other reasons.
- The information which you provide to us may be shared with our affiliates in order to offer products and services provided by those affiliates to you. YOU MAY OPT OUT OF THIS TYPE OF INFORMATION SHARING.
How We Use Your Information
Any information we gather whether thru cookies or information that you voluntarily provide to us through forms on our website will be used to send you information and offers relevant to you. By providing your phone number, you agree to receive calls and from us about these relevant info and offers. You may opt out of receiving phone calls from us at any time.
By checking the box that you agree to receive SMS (text) messages from us, we may text you regarding relevant info, offers, and reminders. This permission to receive texts only applies to Paramount Evergreen Insurance & Financial Solutions, and does not extend to our affiliates or third parties unless you agree to do so at a later time. Your SMS consent and phone number will never be shared, sold, or disclosed to any third party for marketing purposes. You may opt out of receiving text messages from us at any time.
You also have the right to inquire about any information we have collected on you. You may request that we correct, update, or delete any or all of this information at any time.
Email Policies
We are committed to keeping your email address confidential. We do not sell, rent, or lease our subscription lists to third parties. We will use your email address solely to provide timely information about Paramount Evergreen Insurance & Financial Solutions, as well as respond to inbound emails regarding insurance and other related matters.
We will maintain the information you send via e-mail in accordance with applicable federal law.
CAN-SPAM Compliance
In compliance with the CAN-SPAM Act, all e-mail sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages sent using an automation will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.
Choice/Opt-Out
Our site provides users the opportunity to opt-out of receiving communications from us and our partners by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at anytime.
Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail.
The emails we send in a one-on-one, conversational fashion will not contain a way to unsubscribe anywhere in the email. If you wish to no longer be contacted by our company, simply reply with this request and we will take you off of our communication lists.
Use of External Links
https://paramountevergreeninsurance.com may contain links to many other websites. Paramount Evergreen Insurance & Financial Solutions cannot guarantee the accuracy of information found at any linked site. Links to or from external sites not owned or controlled by Paramount Evergreen Insurance & Financial Solutions do not constitute an endorsement by Paramount Evergreen Insurance & Financial Solutions or any of its employees of the sponsors of these sites or the products or information presented therein.
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
Intellectual Property Rights
All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of Paramount Evergreen Insurance & Financial Solutions or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from Paramount Evergreen Insurance & Financial Solutions.
You must not:
- Republish material from our website without prior written consent.
- Sell or rent material from our website.
- Reproduce, duplicate, create derivative, copy or otherwise exploit material on our website for any purpose.
- Redistribute any content from our website, including onto another website.
Acceptable Use
You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.
You must not use our website to send unsolicited commercial communications. You must not use the content on our website for any marketing related purpose without our express written consent.
Restricted Access
We may in the future need to restrict access to parts (or all) of our website and reserve full rights to do so. If, at any point, we provide you with a username and password for you to access restricted areas of our website, you must ensure that both your username and password are kept confidential.
Use of Testimonials
In accordance to with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:
Testimonials that appear on this site are actually received via email, text, audio or video or website form submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way. They are individual results and results do vary. We do not claim that they are typical results. The testimonials are not necessarily representative of all of those who will use our products and/or services.
The testimonials displayed in any form on this site (text, audio, video or other) are reproduced verbatim, except for correction of grammatical or typing errors. Some may have been shortened. In other words, not the whole message received by the testimonial writer is displayed when it seems too lengthy or not the whole statement seems relevant for the general public.
Paramount Evergreen Insurance & Financial Solutions is not responsible for any of the opinions or comments posted on https://paramountevergreeninsurance.com. Paramount Evergreen Insurance & Financial Solutions is not a forum for testimonials, however provides testimonials as a means for customers to share their experiences with one another. To protect against abuse, all testimonials appear after they have been reviewed by management of Paramount Evergreen Insurance & Financial Solutions. Paramount Evergreen Insurance & Financial Solutions does not share the opinions, views or commentary of any testimonials on https://paramountevergreeninsurance.com - the opinions are strictly the views of the testimonial source.
How Do We Protect Your Information and Secure Information Transmissions?
Email and text messaging is not recognized as a completely secure medium of communication. For this reason, we request that you do not send private information to us by email or text message. If you do so, you are doing so at your own risk. Some of the information you may enter on our website may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL.
Paramount Evergreen Insurance & Financial Solutions may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.
For site security purposes and to ensure that this service remains available to all users, Paramount Evergreen Insurance & Financial Solutions uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
Any personal health information acquired in the process of filling out insurance applications, during phone conversations and appointments, and through email are stored on our end by services and that are HIPAA compliant. We have appropriate Business Associate Agreements in place with these third party vendors as is required as part of HIPAA compliance.
Disclaimer and Limitation of Liability
Paramount Evergreen Insurance & Financial Solutions makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to this site.
All the materials on this site are provided "as is" without any express or implied warranty of any kind, including warranties of merchantability, noninfringement of intellectual property or fitness for any particular purpose. In no event shall Paramount Evergreen Insurance & Financial Solutions or its agents or associates be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information, injury or death) arising out of the use of or inability to use the materials, even if Paramount Evergreen Insurance & Financial Solutions has been advised of the possibility of such loss or damages.
Policy Changes
We reserve the right to amend this privacy policy at any time with or without notice. However, please be assured that if the privacy policy changes in the future, we will not use the personal information you have submitted to us under this privacy policy in a manner that is materially inconsistent with this privacy policy, without your prior consent.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
Contact
If you have any questions regarding this policy, or your dealings with our website, please contact Paramount Evergreen Insurance & Financial Solutions here: chris@paramountevergreeninsurance.com, or at:
Paramount Evergreen Insurance & Financial Solutions, 101 Monterey Blvd., Unit #2, Hermosa Beach, CA 90254