Your privacy matters

Privacy Policy

KM Insurance Planning ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information for life insurance and Medicare advisory services.

1. Information We Collect

We collect information that identifies or relates to you ("Personal Information"). Depending on your interactions with our website, we may collect:

• Identifiers & Contact Details: Name, phone number, email address, physical address, and age/date of birth.
• Insurance & Health Indicators: Product interest (e.g., Medicare, Life Insurance) and general eligibility information you voluntarily provide.
• Technical & Internet Activity: IP address, browser type, device information, and basic interaction data via server logs or essential cookies.

2. How We Use Your Information

We use your personal information solely for legitimate business purposes, including to:

• Respond to quote requests, inquiries, and consultation requests.
• Provide independent insurance guidance and assist with application processes.
• Comply with federal, state, and insurance carrier regulatory obligations.
• Maintain, secure, and improve website functionality.

3. How We Share Your Information

We value your trust and do not sell your personal information or share it with third-party advertisers. We only disclose information in the following circumstances:

• Service Providers & Insurance Carriers: With insurance carriers or technology vendors strictly necessary to process quote requests or facilitate insurance enrollment at your request.
• Legal Obligations: When required by law, subpoena, or regulatory mandate.

4. Your Privacy Rights (All States, Including CA)

Depending on your state of residence (including California under CCPA/CPRA), you have specific rights regarding your personal information:

• Right to Know / Access: You may request details about the personal information we have collected about you.
• Right to Delete: You may request that we delete personal information we have collected directly from you, subject to legal record-retention requirements for licensed insurance agencies.
• Right to Correct: You may request that we correct inaccurate personal information.
• Non-Discrimination: We will never discriminate against you, change service quality, or charge higher fees for exercising your privacy rights.
• Opt-Out of Sale / Sharing: We do not sell or share your personal data for cross-context behavioral advertising.

5. Data Retention & Security

We implement reasonable administrative and technical security measures to protect your information. We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by state insurance record-keeping laws.

6. Contact Us & Exercise Your Rights