Privacy Policy

1. Who we are

This Privacy Policy applies to information collected by Irene Botouroglou, a licensed Medicare insurance agent in the State of Florida with National Producer Number (NPN) 20847316 (referred to in this policy as "I," "me," or "my"). My office is in Clearwater, Florida, and I serve Medicare-eligible clients across all 67 Florida counties.

2. Information I collect

To help you compare health insurance plans, I may collect the following:

Personal identifying information

• Full name, address, phone number, and email address
• Date of birth and Medicare eligibility status
• Medicare Beneficiary Identifier (MBI) if you are enrolling in Medicare-related coverage
• Social Security Number, only when required by an insurance carrier for enrollment

Health-related information

• Current doctors, specialists, and medical providers
• Prescription medications and dosages
• General health conditions relevant to plan comparison (not diagnoses)

Financial information

• Income range, where it affects premium subsidies or Extra Help eligibility
• Payment method information for enrollment (handled directly by the insurance carrier, never stored by me)

Website usage information

When you visit ibhins.com, the hosting server automatically logs basic information like your IP address, browser type, and the pages you view, as standard security practice. No tracking cookies, advertising pixels, or third-party analytics scripts are used on this site.

3. How I use your information

I use the information you provide only for the following purposes:

• To identify and compare health insurance plans that match your needs
• To submit enrollment applications to insurance carriers on your behalf, with your authorization
• To contact you about your existing coverage (plan reviews, renewal reminders, policy changes)
• To comply with legal, regulatory, and licensing obligations (Centers for Medicare & Medicaid Services, Florida Department of Financial Services)

4. What I will never do

• Sell your personal information to any third party
• Share your information with marketing companies
• Use your data to send unrelated advertising
• Share health details with anyone without your explicit consent (except as required for enrollment or by law)
• Store your Social Security Number or payment information longer than required to complete an enrollment

5. Who I share information with

Information is shared only with:

• Insurance carriers you choose to apply with, for the purpose of plan enrollment
• The Centers for Medicare & Medicaid Services (CMS) and state regulators, when required
• My booking software (Setmore) to schedule appointments, if you request one
• Law enforcement or courts, only when compelled by valid legal process

6. How I protect your information

I follow the safeguards required of licensed insurance producers under the Gramm-Leach-Bliley Act (GLBA) and the Florida Information Protection Act (FIPA):

• Physical client records are kept in a locked location
• Digital records are stored on password-protected, encrypted devices
• Email containing sensitive information uses secure transmission where available
• Documents are retained only as long as required by law and carrier contracts, then securely destroyed

7. Your rights

You have the right to:

• Request access to the information I have about you
• Correct inaccurate information in your file
• Request deletion of your information, subject to legal retention requirements
• Opt out of non-essential communications at any time
• Receive a copy of any notices about a data breach affecting your information, as required by Florida law

To exercise any of these rights, contact me using the details below.

8. Data retention

Client records are retained for the period required by Florida insurance law and applicable carrier contracts, which is typically seven (7) years after the termination of any insurance policy placed through me. After this period, records are securely destroyed.

9. Third-party links

This site may link to external resources including CMS.gov, Medicare.gov, the Medicare Rights Center, and insurance carrier websites. Once you click an external link, you are subject to that site's privacy policy, which may differ from this one.

10. Children's privacy

This website and my services are not directed at children under the age of 18. No information is knowingly collected from children.

11. Changes to this policy

If this policy changes materially, the "Last Updated" date at the top will change. Active clients will receive notice of material changes directly.