TERMS AND CONDITIONS
These Terms and Conditions govern the use of the services provided by PR Insurance USA (“Company,” “we,” “our,” or “us”). By accessing our website, communicating with our representatives, or utilizing our services, you agree to these Terms.
- Nature of Services
PR Insurance USA is a licensed insurance agency that provides information, consultation, enrollment assistance, customer support, and insurance plan comparisons.
We do not underwrite insurance policies and are not responsible for coverage decisions made by insurance carriers.
- No Guarantee of Coverage
Enrollment, eligibility, benefits, premiums, provider participation, deductibles, copayments, and coverage determinations are made exclusively by the insurance carrier.
The Company cannot guarantee approval, continued eligibility, claim payment, or policy renewal.
- Client Information
You agree to provide accurate and complete information when requesting assistance.
Providing false, incomplete, or misleading information may affect eligibility, coverage, or enrollment.
- Electronic Communications Consent
By providing your telephone number, email address, or other contact information, you expressly consent to receive communications from PR Insurance USA regarding:
- Insurance inquiries
- Enrollment assistance
- Policy servicing
- Appointment reminders
- Customer support
- Required compliance notifications
Message and data rates may apply.
You may revoke consent for marketing communications at any time by contacting us or replying STOP to text messages.
- HIPAA Compliance
To the extent applicable, the Company handles protected health information in accordance with HIPAA and other applicable federal regulations.
Protected health information will only be used or disclosed as permitted by law or authorized by the client.
- Limitation of Liability
To the maximum extent permitted by Florida law, PR Insurance USA shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from:
- Insurance carrier decisions
- Delayed processing
- Denied claims
- Website interruptions
- Third-party service failures
- Intellectual Property
All content, logos, trademarks, graphics, and materials displayed on this website are owned by PR Insurance USA and may not be copied or distributed without written authorization.
- Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Florida.
Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of Florida.
- Modifications
PR Insurance USA reserves the right to update these Terms at any time. Changes become effective immediately upon publication.
- Contact Information
PR Insurance USA
Email: paolarincon.prinsurance@gmail.com
Phone: 7542545888
POLÍTICA DE PRIVACIDAD (FLORIDA + HIPAA)
PRIVACY POLICY
Effective Date: [Insert Date]
PR Insurance USA respects your privacy and is committed to protecting personal information in accordance with applicable federal and Florida laws, including HIPAA, the Florida Information Protection Act (FIPA), and other applicable privacy regulations.
- Information We Collect
We may collect:
- Full name
- Address
- Telephone number
- Email address
- Date of birth
- Insurance policy information
- Medicare-related information
- Health insurance identifiers
- Information voluntarily submitted through forms, emails, phone calls, or consultations
2. Protected Health Information
When applicable, certain information may qualify as Protected Health Information (“PHI”) under HIPAA.
Such information will only be used, disclosed, stored, and protected in accordance with HIPAA requirements and applicable federal regulations.
- How We Use Information
We may use information to:
The Company cannot guarantee approval, continued eligibility, claim payment, or policy renewal.
- Client Information
You agree to provide accurate and complete information when requesting assistance.
Providing false, incomplete, or misleading information may affect eligibility, coverage, or enrollment.
- Electronic Communications Consent
By providing your telephone number, email address, or other contact information, you expressly consent to receive communications from PR Insurance USA regarding:
- Insurance inquiries
- Enrollment assistance
- Policy servicing
- Appointment reminders
- Customer support
- Required compliance notifications
Message and data rates may apply.
You may revoke consent for marketing communications at any time by contacting us or replying STOP to text messages.
- HIPAA Compliance
To the extent applicable, the Company handles protected health information in accordance with HIPAA and other applicable federal regulations.
Protected health information will only be used or disclosed as permitted by law or authorized by the client.
- Limitation of Liability
To the maximum extent permitted by Florida law, PR Insurance USA shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from:
- Insurance carrier decisions
- Delayed processing
- Denied claims
- Website interruptions
- Third-party service failures
- Intellectual Property
All content, logos, trademarks, graphics, and materials displayed on this website are owned by PR Insurance USA and may not be copied or distributed without written authorization.
- Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Florida.
Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of Florida.
- Modifications
PR Insurance USA reserves the right to update these Terms at any time. Changes become effective immediately upon publication.
- Contact Information
PR Insurance USA
Email: paolarincon.prinsurance@gmail.com
Phone: 7542545888
POLÍTICA DE PRIVACIDAD (FLORIDA + HIPAA)
PRIVACY POLICY
Effective Date: [Insert Date]
PR Insurance USA respects your privacy and is committed to protecting personal information in accordance with applicable federal and Florida laws, including HIPAA, the Florida Information Protection Act (FIPA), and other applicable privacy regulations.
- Information We Collect
We may collect:
- Full name
- Address
- Telephone number
- Email address
- Date of birth
- Insurance policy information
- Medicare-related information
- Health insurance identifiers
- Information voluntarily submitted through forms, emails, phone calls, or consultations
- Protected Health Information
- When applicable, certain information may qualify as Protected Health Information (“PHI”) under HIPAA.
- Such information will only be used, disclosed, stored, and protected in accordance with HIPAA requirements and applicable federal regulations.
- How We Use Information
- We may use information to:
- Assist with insurance enrollment
- Compare insurance plans
- Verify eligibility
- Provide customer support
- Process service requests
- Comply with legal and regulatory obligations
- Improve our services and website functionality
- Information Sharing
- We may share information with:
- Licensed insurance carriers
- Insurance brokers and agents involved in servicing your account
- Healthcare plan administrators
- Technology service providers operating under confidentiality obligations
- Government agencies when required by law
- We do not sell personal information to third parties.
- Data Security
- PR Insurance USA implements reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, misuse, alteration, or destruction.
- Security measures are maintained in accordance with industry standards and applicable legal requirements.
- Data Breach Notification
- In the event of a security breach involving personal information, the Company will comply with applicable federal and Florida notification requirements, including the Florida Information Protection Act (FIPA). Affected individuals will be notified when required by law. ([Recording Law][2])
- Cookies and Website Technologies
- Our website may use cookies, analytics tools, and similar technologies to improve user experience and website performance.
- Users may modify browser settings to manage cookie preferences.
- Consumer Rights
- You may request:
- Access to certain personal information maintained by us
- Correction of inaccurate information
- Updates to contact information
- Withdrawal of marketing communications consent
- Certain requests may be subject to legal or regulatory limitations.
- Record Retention
- Personal information will be retained only for as long as necessary to:
- Provide services
- Fulfill legal obligations
- Resolve disputes
- Comply with insurance regulatory requirements
- Children’s Privacy
- Our services are intended for adults and are not directed to children under 13 years of age.
- We do not knowingly collect personal information from children.
- Changes to this Policy
- We reserve the right to update this Privacy Policy periodically. The revised version will be posted with an updated effective date.
- Contact Information
- PR Insurance USA
- Email: paolarincon.prinsurance@gmail.com
- Phone: 7542545888
- If you have questions regarding this Privacy Policy or your privacy rights, please contact us.