Privacy Policy

1. Introduction

Akiem Insure ("we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services at https://akieminsure.com/.

By using our services, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our services.

To learn more about our services, including burial insurance (Final Expense), please visit the linked pages.

2. Information We Collect

2.1 Personal Information You Provide

We collect information you provide directly to us, including:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Date of birth, gender, marital status
• Insurance-Related Information: Health history, current insurance coverage, beneficiary information
• Financial Information: Income information (for subsidy eligibility), payment information
• Government Identifiers: Social Security Number (when required for insurance applications)
• Communication Data: Records of your communications with us

2.2 Information We Collect Automatically

When you visit our website, we automatically collect certain information, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, clicks, and navigation patterns
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Information collected through cookies, pixels, and similar technologies

2.3 Information from Third Parties

We may receive information about you from:

• Insurance carriers and partners
• Government databases (for subsidy verification)
• Consumer reporting agencies
• Marketing partners and lead providers

3. How We Use Your Information

We use the information we collect to:

• Provide Services: Process insurance quotes, applications, and enrollments
• Communicate: Send policy information, updates, and respond to inquiries
• Verify Eligibility: Determine eligibility for insurance products and subsidies
• Improve Services: Analyze usage patterns and enhance user experience
• Marketing: Send promotional materials about insurance products (with your consent)
• Legal Compliance: Comply with legal obligations and regulatory requirements
• Fraud Prevention: Detect and prevent fraudulent activities
• Customer Support: Provide assistance and resolve issues

4. How We Share Your Information

We may share your information with:

4.1 Insurance Partners

• Insurance carriers for quote generation and policy issuance
• Third-party administrators for policy management
• Healthcare.gov and state exchanges for ACA enrollments

4.2 Service Providers

• IT and hosting providers
• Payment processors
• Email and communication services
• Analytics and marketing platforms

4.3 Legal and Regulatory

• Government agencies as required by law
• Law enforcement in response to legal requests
• Parties involved in legal proceedings

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.5 Consent-Based Sharing

We may share your information with other parties when you provide explicit consent.

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication requirements
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

6.1 Access and Update

You have the right to access and update your personal information. Contact us to request access or make corrections.

6.2 Marketing Communications

You can opt-out of marketing emails by:

• Clicking the "unsubscribe" link in our emails
• Contacting us directly to update preferences

6.3 Cookies and Tracking

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

6.4 Do Not Track

We do not currently respond to Do Not Track browser signals.

6.5 State-Specific Rights

Residents of certain states may have additional rights, including:

• Right to deletion of personal information
• Right to data portability
• Right to opt-out of certain data sharing
• Right to non-discrimination for exercising privacy rights

7. Data Retention

We retain your information for as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

Insurance-related records are typically retained for 7-10 years as required by law.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete that information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. International Data Transfers

If you access our services from outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ from your jurisdiction.

11. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes

12. California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to equal service and non-discrimination

To exercise these rights, contact us using the information below.

13. Contact Information

For questions about this Privacy Policy or to exercise your privacy rights, contact us at:

For the quickest response regarding privacy matters, please email us with "Privacy Request" in the subject line.

14. Consent

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