Privacy Notice
Last Updated: August 25, 2023
A Legal Disclaimer
This Privacy Notice describes the information collection, use, and disclosure practices with respect to Global Financial a MSI Company and its platforms.
Table of Contents
- • Overview
- • Applicability of HIPAA and GLBA
- • Personal Information We Collect
- • Use of Personal Information
- • Disclosing Personal Information
- • Cookie Policy
- • Children Under the Age of 16
- • Your State Privacy Rights
- • Retention of Data
- • Data Security
- • Third-Party Applications
- • Contact Information
Overview
This Privacy Notice describes the information collection, use, and disclosure practices with respect to Global Financial a MSI Company ("we," "us", "our," or the "Company") and its website, global360,linkpc.net and any other websites or platforms that the Company may create in the future (the "Platform").
The purpose of the Platform is to provide information and tools to licensed insurance agents and prospective insurance agents ("Agents"). We also receive information about individuals who are interested in insurance or financial products ("Consumers") and make such information available to licensed insurance agents who assist individuals with the purchase of the products.
We may also work with "Lead Vendors" – companies that collect inquiries from Consumers and pass such inquiries to Agents and Company representatives. Lead Vendors must obtain appropriate consent from Consumers to be contacted regarding specific products before providing us with such Consumers' information.
This Privacy Notice uses the term "Personal Information" to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
Applicability of HIPAA and GLBA
Since we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under another state or federal regulatory framework, like the Health Insurance Portability and Accountability Act ("HIPAA") and related state laws, or the Gramm-Leach-Bliley Act ("GLBA") and related state laws.
Specifically, we act as a Business Associate (as defined by HIPAA) if we receive client Protected Health Information ("PHI") from lead vendors or on behalf of a health plan that is a Covered Entity (as defined by HIPAA). In our role as a Business Associate we collect, use, and disclose PHI to provide services for or on behalf of health plans.
When we receive client information pertaining to certain insurance or financial products, we may collect non-public personal financial information, which is regulated by GLBA.
This Privacy Notice applies to personal information that is not covered by HIPAA or GLBA.
Personal Information We Collect / Sources of Personal Information
The table below details the categories of Personal Information that we may collect or obtain through the operation of the Platform:
| Category | Examples and Sources |
|---|---|
| Contact Information | Consumers' and Agents' name, phone number, and email address, as well as Consumers' postal address. We may collect this information about Consumers from Lead Vendors, Agents, insurance carriers, data brokers, and agencies. |
| Login Credentials | Username and password when Agents or Consumers choose to create an account with us. |
| Identification Information* | Agents' National Producer Number and Social Security number. Consumers' driver's license, Social Security, and/or similar government-issued identification numbers. |
| Demographic Information* | Consumers' age, date of birth, marital status, language preference, ethnicity, race, and sex or gender. |
| Health Information* | Consumers' health information provided in the course of discussions with an Agent or representative, which is relevant to the processing of an application for an insurance or financial product. |
| Sensory Information | Audio recordings of Consumer conversations with representatives and Agents in connection with inquiries regarding insurance and/or financial products. |
| Commercial Information | Information about the products requested by Consumers, including information entered into insurance and/or financial product applications. |
| Internet Activity | Automatically collected information on users' interaction with the Platform, including browsing history, duration of browsing session, device ID, and IP address. |
| Geolocation Data | We collect geolocation, which may include precise geolocation, from users automatically and may also collect this from advertising networks. |
| Educational/Professional | Personal Information about Consumers' educational background, profession, income, product preference, consumer behavior, and asset ownership. |
* May be considered "sensitive" personal information according to some state laws.
How We Use the Personal Information We Collect
We may use or disclose the Personal Information that we collect for one or more of the following purposes:
- Operate the Platform
- Communicate with you regarding the Platform
- Contact Consumers through our employed agents regarding insurance and/or financial products in which the Consumer expressed interest
- Address users' and Consumers' inquiries
- Process transactions
- Tailor the content and information that we may send or display to you
- Analyze use of our products and services
- Develop new products and services
- Comply with legal obligations
- Protect our rights, property, and safety or the rights, property, and safety of others
- Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of assets
Children Under the Age of 16
The Platform is not intended for children under 16 years of age. We do not collect information about individuals under the age of 16. No one under age 16 may provide any information through the Platform.
We do not knowingly collect Personal Information from children under 16, and we do not have actual knowledge that we sell or share the Personal Information of children under 16. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information.
Your State Privacy Rights
State consumer privacy laws may provide their residents with additional rights regarding our use of their Personal Information. We facilitate the sale of insurance and financial products, and may engage in targeted advertising, which may be considered "selling" or "sharing" personal information as defined under certain state privacy laws, including California.
In the last twelve (12) months, we have "sold" or "shared" the categories of personal information with advertising networks, data analytics vendors, insurance carriers, and Agents.
Retention of Data
We retain Personal Information where we have an ongoing legitimate business or legal need to do so. Our retention periods will vary depending on the type of data involved, but generally, we refer to these criteria:
- Whether we have a legal or contractual need to retain the data
- Whether the data is necessary to provide our Platform
- Whether our Consumers or Agents would reasonably expect that we would retain the data until they remove it or until their accounts are closed or terminated
Data Security
No security is foolproof, and the Internet is an insecure medium. We cannot guarantee absolute security, but we work hard to protect our Company and you from unauthorized access to or unauthorized alteration, disclosure, or destruction of Personal Information that we collect and store.
Third-Party Applications and Integrations
Our Platform uses third-party applications and integrations to enhance its experience. We disclaim any and all liability and responsibility for the use of these applications and integrations, and encourage you to review their individual privacy policies before using our Platform or otherwise engaging with us.
Contact Information
If you have any questions about this Privacy Notice or our privacy practices, please contact us:
- Phone: (405) 643-4678
- Email: Contact Form
Questions about this Privacy Notice?
If you have any questions about our privacy practices, please contact us.