Privacy Policy
Last Updated: January 2026
1. Overview
Insurance with Richard, LLC ("Insurance with Richard," "we," "us," and "our") respects your privacy and is committed to protecting it through compliance with this Privacy Policy. This Privacy Policy describes how we collect, use, and protect your Personal Information when you visit our website at https://www.insurancewithrichard.com, request insurance quotes, submit applications, or otherwise interact with our services (collectively, the "Services").
About Our Services: Insurance with Richard is an independent insurance broker that helps individuals find and enroll in health and life insurance products from multiple insurance carriers nationwide. We are not an insurance company. We do not underwrite, issue, or provide insurance coverage. We act as an intermediary between you and insurance carriers to help you find suitable insurance products.
Please read this Privacy Policy carefully. By using our Services, you agree and consent to this Privacy Policy.
2. Information We Collect
We collect information about you ("Personal Information") when you use our Services:
Contact Information. When you request a quote or contact us, we collect your name, email address, phone number, mailing address, and date of birth.
Health Information. To provide insurance quotes and assist with enrollment, we collect health-related information as required by insurance carriers. This may include information about your current health status, medical history, medications, pre-existing conditions, tobacco use, height, weight, and other health-related details necessary for insurance underwriting and enrollment.
Financial Information. To provide appropriate insurance recommendations, we may inquire about your income and assets based on your voluntary disclosure. This information helps us advise you on suitable coverage options and eligibility for subsidies or assistance programs.
Social Security Number. During the enrollment process, insurance carriers may require your Social Security Number. This information is collected directly by the carriers through their own secure technology platforms, not by Insurance with Richard. We do not store or retain your Social Security Number.
Application Information. When you complete insurance applications through our website, we collect all information you provide in those applications, which may include personal, health, financial, and family information required by the insurance carriers.
Communication Records. We may record and store communications with you, including phone calls, emails, chat messages, and other correspondence for quality assurance, training, and compliance purposes.
Automatically Collected Information. We collect information about your device (such as IP address, browser type, operating system), usage patterns, and interactions with our website through cookies and similar technologies.
3. How We Use Your Information
We use your Personal Information for the following purposes:
To Provide Insurance Brokerage Services. We use your information to obtain insurance quotes from multiple carriers, compare coverage options, provide recommendations, assist with enrollment, and help you obtain insurance coverage.
To Submit Applications to Carriers. We share your information with insurance carriers to obtain quotes and submit applications on your behalf. The carriers use this information for underwriting, enrollment, and policy administration.
To Communicate with You. We use your contact information to respond to your inquiries, provide updates on your applications, send policy information, and communicate about your insurance coverage and renewals.
To Improve Our Services. We use information to analyze usage patterns, improve our website, enhance customer service, and develop better insurance solutions.
For Compliance and Legal Obligations. We use information to comply with state and federal insurance regulations, maintain required records, respond to regulatory inquiries, and fulfill legal obligations.
For Marketing and Business Operations. We may use your information to send you information about insurance products, policy renewals, and other services that may be of interest to you, and to operate our business.
4. How We Share Your Information
We share your Personal Information with the following parties:
Insurance Carriers. We share your information with insurance carriers to obtain quotes, submit applications, and facilitate enrollment. Each carrier has its own privacy policy that governs how they use and protect your information. Once your information is provided to a carrier, it is subject to that carrier's privacy practices.
Service Providers. We share information with service providers who assist us in operating our business, including website hosting, data storage, customer relationship management systems, communication platforms, and payment processing (including Stripe for payment processing when applicable).
Third-Party Enrollment Platforms. Some insurance carriers use third-party enrollment platforms to process applications. Your information may be shared with these platforms to complete your enrollment.
For Legal and Regulatory Purposes. We may disclose information to comply with applicable laws, regulations, legal processes, or regulatory requests. We may also disclose information to protect our legal rights, prevent fraud, or ensure compliance with insurance regulations.
Business Transfers. We may disclose Personal Information as part of a corporate transaction such as a merger, sale, or transfer of business assets.
5. HIPAA and Health Information Protection
HIPAA Applicability. As an insurance broker, certain portions of the Health Insurance Portability and Accountability Act (HIPAA) may apply to our handling of your health information. We implement reasonable safeguards to protect the privacy and security of your health information.
Protected Health Information. We treat your health information with the highest level of confidentiality and only use and disclose it as necessary to provide our brokerage services, comply with legal requirements, or with your authorization.
Your HIPAA Rights. You may have certain rights under HIPAA regarding your health information, including the right to access your information, request corrections, and receive an accounting of certain disclosures. To exercise these rights, contact us at reece@insurancewithrichard.com.
6. Data Security
We implement reasonable administrative, technical, and physical security measures to protect your Personal Information, including your sensitive health and financial information. However, no system can be guaranteed to be 100% secure. You are responsible for maintaining the security of your login credentials and promptly notifying us of any unauthorized access to your information.
7. Data Retention
We retain your Personal Information for as long as necessary to provide our services, maintain records required by insurance regulations, and comply with legal obligations. Insurance records are typically retained for at least 7 years or as required by state and federal law.
8. Your Rights and Choices
Access and Correction. You may request access to or correction of your Personal Information by contacting us at reece@insurancewithrichard.com.
Marketing Communications. You may opt out of marketing communications by following the unsubscribe instructions in our emails or contacting us directly. However, we may still send you service-related communications about your insurance coverage and applications.
State Privacy Rights. Residents of certain US states (such as California, Colorado, Connecticut, Virginia, and others) may have additional rights including the right to access, correct, or delete their personal information. To exercise these rights, contact us at reece@insurancewithrichard.com.
9. Carrier Privacy Practices
IMPORTANT: Once you enroll in an insurance policy, the insurance carrier becomes responsible for maintaining and protecting your information according to their own privacy policies and HIPAA requirements. We encourage you to review each carrier's privacy policy. Insurance with Richard is not responsible for how carriers use, store, or protect your information after enrollment.
10. Client Portals
After enrollment, you will access your policy information, claims, and other insurance services through the carrier's own website and client portal. These portals are operated by the insurance carriers, not by Insurance with Richard. The carrier's privacy policy governs your use of their portals.
11. Children's Privacy
Our Services are intended for adults seeking insurance coverage. We do not knowingly collect information from children under 16 except as necessary to provide dependent coverage when parents or guardians request insurance quotes for their children.
12. State Licensing and Compliance
Insurance with Richard operates as a licensed insurance broker in all states where we conduct business. We comply with state insurance regulations and licensing requirements. Our data privacy practices comply with applicable state insurance privacy laws and regulations.
13. International Data Transfers
Insurance with Richard operates in the United States and serves US residents only. All data is stored and processed in the United States. By using our Services, you consent to the processing of your information in the United States.
14. Privacy Policy Updates
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the date at the top. Your continued use of our Services after changes are posted constitutes acceptance of the updated policy.
15. How To Contact Us
For questions about this Privacy Policy, to exercise your privacy rights, or to report a privacy concern, contact us at:
Email: reece@insurancewithrichard.com
Mailing Address:
Insurance with Richard, LLC
215 W Michigan Ave, Suite 35
Ypsilanti, MI 48197
United States