Privacy Policy

1. Information We Collect

We collect personal information directly from you, automatically through technology, and from third parties when necessary for providing services.

A. Categories of Information Collected

• Personal Identifiers: Name, address, phone number, email, Social Security Number, and driver’s license.

• Financial Information: Bank account details, payment card data, and income details.

• Health Information (PHI): Medical history, diagnoses, treatments, prescriptions, and claims data.

• Technical Data: IP address, browser type, device identifiers, and interaction with our website (via cookies).

• Geolocation Data: General location derived from your IP address.

• Professional Data: Employer, title, and licensing information (if relevant).

2. How We Use Your Information

We use the information collected to:

• Process insurance applications and claims.

• Administer policies and provide customer support.

• Comply with legal and regulatory requirements (e.g., HIPAA, GLBA).

• Improve our services through analytics and feedback.

• Provide marketing communications, subject to your preferences.

3. How We Share Your Information

We may share your personal information under strict guidelines:

A. Categories of Disclosures

• Service Providers: Business associates, claims processors, IT vendors, and marketing agencies under strict confidentiality agreements.

• Regulatory and Legal Authorities: Compliance with subpoenas, audits, or investigations.

• Financial Institutions: To process payments and manage billing.

• Business Transfers: As part of mergers, acquisitions, or other significant transactions.

We do not sell your personal information, as defined under the CCPA.

4. Your Privacy Rights

A. California Residents (CCPA Rights)

California residents have the right to:

• Request access to the personal data we collect and process.

• Request deletion of personal information, with certain exceptions.

• Opt-out of data sharing for cross-context behavioral advertising.

To exercise these rights, submit a verifiable request by calling us at (XXX) XXX-XXXX or emailing privacy@ryis.com.

B. Federal Protections (GLBA, HIPAA)
Under GLBA, we safeguard sensitive financial data and allow you to opt out of certain information-sharing practices. Under HIPAA, we strictly protect health-related data and provide rights to access or amend PHI.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your online experience and tailor content. These technologies include:

• Session Cookies: To maintain secure browsing sessions.

• Persistent Cookies: To remember preferences for future visits.

• Third-Party Cookies: For analytics and advertising purposes.

A. Managing Cookies

You can control or disable cookies directly through your browser settings:

• Google Chrome

• Mozilla Firefox

• Safari

• Microsoft Edge

Please note that disabling cookies may impact the functionality of our website.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, meet regulatory requirements, and protect our legal interests.

7. Protecting Your Information

We deploy industry-standard security measures, including:

• End-to-end encryption for data in transit and at rest.

• Role-based access controls (RBAC) to limit data access.

• Regular vulnerability assessments and monitoring.

In the event of a breach, we comply with all applicable notification laws.

8. Third-Party Websites

Our website may include links to third-party websites. These sites are governed by their own privacy policies, and we are not responsible for their content or practices.

9. Children’s Privacy

We do not knowingly collect data from children under 18 without verifiable parental consent. If such data is identified, it will be promptly deleted.

10. Changes to This Privacy Policy

We may update this policy to reflect changes in our business, technology, or legal obligations. Updates will be posted here with a revised “Effective Date."

Contact Us:
If you have questions or wish to exercise your privacy rights, please contact us:

Rick Young Insurance Services (RYIS)
2993 Corinthia Drive, Rochester Hills, MI 48309
Phone: (248) 844-9110
Email: privacy@ryis.org