Effective Date: 7-19-2024

Privacy Policy

Affordable Business Management Services, Inc., doing business as Madivio ("Madivio," "we," "us," or "our"), is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website Madivio.com to use our services, or interact with us. By using our services, you agree to the terms and conditions of this Privacy Policy.


Information We Collect:

Personal Information:

We may collect the following types of personal information from you:

•Name
•Address
•Email address
•Telephone number
•Social Security Number
•Date of Birth
•Payment information
•Driver's License Number
•Other identifying information necessary for the provision of our services

Non-Personal Information:

We may also collect non-personal information, which may include:

•Browser type and version
•IP address
•Pages visited
•Time and date of visit
•Referring website


How We Collect Information:

A. Directly from You: We collect information directly from you when you:

•Apply for insurance or other services
•Complete forms on our website
•Communicate with us via email, phone, or other means
•Participate in our surveys or promotions

B. Automatically:

We collect information automatically through cookies, web beacons, and other tracking technologies when you visit our website.

C. From Third Parties:


• Insurance carriers
•Medical providers
•Credit reporting agencies
•Public databases


How We Use Your Information:

We use your personal information to:

•Provide, maintain, and improve our services
•Process your insurance applications and claims
•Communicate with you regarding your policies and services
•Conduct internal research and data analysis
•Comply with legal and regulatory requirements


How We Share Your Information:

•Insurance carriers and underwriters
•Service providers and contractors who perform services on our behalf
•Law enforcement or other government agencies as required by law
•Third parties in connection with the sale, merger, or acquisition of our business

*We do not sell your personal information to third parties for marketing purposes.


Data Security:

We implement a variety of security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, access controls, and secure data storage practices. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.


Your Privacy Rights:

Depending on your jurisdiction, you may have the following rights regarding your personal information:

•Access: You can request access to the personal information we hold about you.Correction: You can request that we correct any inaccurate or incomplete information.

•Deletion: You can request that we delete your personal information, subject to legal and contractual obligations.

•Restriction: You can request that we restrict the processing of your personal information under certain circumstances.

•Objection: You can object to the processing of your personal information for direct marketing purposes.

•Data Portability: You can request a copy of your personal information in a structured, commonly used, and machine-readable format.

To exercise these rights, please contact us Here

Children’s Privacy:

As an insurance agency, Madivio’s services are intended for individuals over the age of 18. We do not knowingly collect personal information from children under 13. In the unlikely event that we do receive information from a child under 13, we will delete such information promptly in accordance with the Children's Online Privacy Protection Act (COPPA).

Parents or guardians who believe that we might have any information from or about a child under 13 should contact us immediately at [Insert Contact Information] to request the removal of such data.

HIPAA Compliance:

Madivio is committed to protecting the privacy and security of your health information in compliance with the Health Insurance Portability and Accountability Act (HIPAA). We adhere to all applicable HIPAA regulations regarding the handling, storage, and transmission of protected health information (PHI).

A. Use and Disclosure of Health Information:

We may use and disclose your PHI for purposes of providing our services, including but not limited to:

•Processing insurance applications and claims.
•Coordinating benefits with other insurance carriers.
•Conducting necessary business operations.
•Complying with legal and regulatory requirements.

B.Safeguarding Your Health Information:

We implement various physical, administrative, and technical safeguards to protect your PHI from unauthorized access, use, or disclosure. These measures include:

•Encryption of electronic records
•Secure storage of physical records
•Access controls and authentication protocols
•Regular training for employees on HIPAA compliance

C. Your Rights Under HIPAA:

You have certain rights regarding your PHI, including:Access:

•Access: You can request access to your PHI.
•Amendment: You can request corrections to your PHI if you believe it is inaccurate or incomplete.
•Accounting: You can request an accounting of disclosures of your PHI.
•Restriction: You can request restrictions on certain uses and disclosures of your PHI.
•Confidential Communications: You can request that we communicate with you about your PHI in a specific manner or location.

To exercise these rights, please contact us at [Insert Contact Information].

Complaints:

If you believe your HIPAA rights have been violated, you have the right to file a complaint with us or with the U.S. Department of Health and Human Services. We are committed to addressing your concerns promptly and respectfully. We assure you that there will be no retaliation for filing a complaint. Our mission is to support and protect your rights, ensuring your trust and confidence in our services.




Changes to This Privacy Policy:

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new Privacy Policy on our website and updating the effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.


Contact Us:

Affordable Business Management Services, Inc. dba Madivio NPN 20254562.

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us Here.

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your personal information as described herein.