Privacy Policy

Privacy Policy

Effective Date: December 10, 2024

Introduction

At PC Advisory Group, your privacy is a top priority. This Privacy Policy outlines how we

collect, use, protect, and share your personal information when you visit our website

(www.pcadvisorygroup.com) or engage with our services. It also includes provisions to

comply with applicable privacy laws in New Jersey, Florida, Maine, Pennsylvania, New York,

and North Carolina, as well as PCI (Payment Card Industry) compliance requirements.

By using our website or services, you consent to the practices described in this policy.

1. Information We Collect

We collect various types of personal and non-personal information:

A. Personal Information You Provide

- Name, address, phone number, email address.

- Social Security Number (when required for insurance purposes).

- Financial information (e.g., credit card or bank account details for payments).

- Insurance policy details and claims information.

B. Information Automatically Collected

- IP address, browser type, and device information.

- Cookies and other tracking technologies to enhance your user experience.

C. Third-Party Information

We may collect additional information about you from publicly available sources or thirdparty

providers (e.g., for insurance underwriting purposes).

2. How We Use Your Information

We use the information collected for the following purposes:

- To provide and manage insurance services, including quoting, binding, and claims

processing.

- To communicate with you about your policies, renewals, or updates.

- To process payments securely (PCI compliance).

- To ensure compliance with legal and regulatory obligations.

- To improve website functionality and customer experience.

3. Sharing Your Information

We do not sell your personal information. However, we may share it with:

- Insurance carriers or underwriters to process your insurance coverage.

- Payment processors that comply with PCI standards.

- Regulatory authorities as required by law.

- Service providers that assist in website maintenance, marketing, or data analytics (bound

by confidentiality agreements).

4. PCI Compliance

To ensure the security of your financial transactions:

- All payment data is encrypted and transmitted using secure protocols.

- We adhere to PCI DSS (Payment Card Industry Data Security Standard) requirements for

data storage, processing, and transmission.

5. State-Specific Privacy Rights

We comply with all applicable privacy laws in the states where we operate:

A. New Jersey, Florida, Pennsylvania, and North Carolina

We follow all state regulations for insurance information protection and consumer privacy.

B. Maine

Complies with stricter privacy regulations, particularly for financial institutions, ensuring

that your personal information is not shared without consent.

C. New York

Complies with the NYDFS Cybersecurity Regulation (23 NYCRR 500) to safeguard sensitive

information.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

- Access: Request a copy of the personal data we hold about you.

- Correction: Request corrections to inaccurate information.

- Deletion: Request deletion of personal data, subject to legal and regulatory retention

requirements.

- Opt-out: Opt-out of marketing communications or data sharing where applicable.

To exercise these rights, please contact us using the details provided below.

7. Data Security

We implement robust security measures to protect your information, including:

- Encryption of sensitive data.

- Regular system monitoring and vulnerability assessments.

- Restricted access to personal information.

8. Cookies and Tracking Technologies

We use cookies to enhance your browsing experience. You can adjust your browser settings

to refuse cookies, but this may limit functionality.

9. Health Insurance and HIPAA Compliance

If we collect or process Protected Health Information (PHI) as part of providing health

insurance services, we comply with the Health Insurance Portability and Accountability Act

(HIPAA). HIPAA regulations require us to safeguard your PHI and use it only for authorized

purposes, such as claims processing, policy underwriting, or coordinating care with

healthcare providers.

Your rights under HIPAA include:

- The right to access and request copies of your PHI.

- The right to request corrections or restrictions on the use of your PHI.

- The right to receive an accounting of disclosures of your PHI.

- The right to file a complaint if you believe your rights under HIPAA have been violated.

For HIPAA-related inquiries, please contact:

Name: Nicolas Novella | Email: nick@pcadvisorygroup.com | Phone: 973-200-1700

10. Property and Casualty Insurance

As part of providing property and casualty insurance services, we may collect and process

information related to property ownership, claims history, and risk assessments. This

information is used for purposes such as policy underwriting, claims processing, and fraud

prevention.

We may share your information with third parties involved in the insurance process, such

as underwriters, claims adjusters, or loss control agents, but only to the extent necessary to

provide our services.

11. Life Insurance

When offering life insurance policies, we may collect financial and medical information to

assess policy eligibility and risks. We also securely handle beneficiary information and

ensure it is disclosed only as necessary.

Due to the long-term nature of life insurance contracts, we may retain certain information

for extended periods, in accordance with applicable laws and regulatory requirements.

12. Gramm-Leach-Bliley Act (GLBA) Compliance

We comply with the Gramm-Leach-Bliley Act (GLBA), which requires financial institutions,

including insurance providers, to protect the confidentiality of consumer financial

information. We implement safeguards to secure this information and limit its use to

providing our services.

13. Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify

affected individuals promptly, in accordance with state and federal data breach notification

laws. Notifications will include details about the breach, the information involved, and steps

you can take to protect yourself.

14. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or

applicable laws. The latest version will always be available on our website.

15. Contact Us

If you have questions or concerns about this Privacy Policy, or if you wish to exercise your

privacy rights, please contact us:

PC Advisory Group

PO Box 6, Peapack, NJ 07977

Email: nick@pcadvisorygroup.com

Phone: 973-200-1700