Privacy Policy

1. Scope of This Policy

This Privacy Policy applies to information collected through our website, contact forms, online communications, client intake processes, appointment scheduling, insurance service requests, and tax preparation service requests.

This website privacy policy is intended to describe our general privacy practices. It does not replace any separate privacy notice, consent form, engagement letter, carrier notice, Marketplace notice, Medicare-related disclosure, tax-preparation disclosure, or other document that may apply to a specific service.

2. Information We Collect

We may collect personal information directly from you, automatically through your use of our website, and from service providers, insurance carriers, enrollment platforms, tax software providers, or business partners when needed to deliver our services.

Depending on the service you request, the information we collect may include the following:

• Contact information such as your name, phone number, email address, mailing address, preferred language, and preferred contact method.
• Insurance-related information such as household details, age, date of birth, ZIP code, coverage needs, plan preferences, income information, subsidy-related information, current coverage, provider or prescription information you choose to provide, and limited health-related information needed to evaluate eligibility, quote options, or support enrollment-related services.
• Medicare-related information such as Medicare eligibility information, plan preferences, prescription information, provider information, and other information you choose to provide so that we can explain available options or assist with a service request.
• Tax-related information such as W-2s, 1099s, income and deduction details, filing status, dependent information, identification numbers, taxpayer identification numbers, prior-year tax information, and other documents or records you provide for tax preparation or related support.
• Payment, billing, and business records when applicable to services provided.
• Technical information such as IP address, browser type, device information, pages viewed, referring website, form submission metadata, user-agent information, cookies, security logs, and similar tracking or diagnostic data.

3. Sensitive Information and Public Contact Forms

Please do not submit Social Security numbers, tax returns, W-2s, 1099s, government IDs, Medicare cards, medical records, or other sensitive documents through this general contact form. If sensitive information is needed, we will provide a secure method for submission.

The general website contact form is intended for basic inquiries, appointment requests, and general service questions. If sensitive documents are required, we will provide or direct you to a more appropriate intake method, secure portal, encrypted delivery process, in-person delivery process, or other approved method.

To reduce unnecessary exposure, the website form may reject messages that appear to contain obvious Social Security number patterns or other information that should not be sent through a public inquiry form.

If you send sensitive information through an unsecured or general channel, we may delete, reject, or ask you to resubmit the information through an approved secure method.

4. How We Use Information

We use the information we collect to operate our website, communicate with you, and provide our business services in a lawful and professional manner.

• Respond to questions, schedule appointments, send updates, and provide client support.
• Contact you by phone, email, or text message regarding your inquiry when you request contact through our website forms.
• Maintain records of consent selections, timestamps, source page URLs, language, and related inquiry metadata to document communications preferences, assist with compliance, and protect our business.
• Prepare insurance quotes, explain plan options, compare available coverage options, assist with applications or enrollment-related services, and maintain required service records.
• Provide Medicare-related education, plan comparison support, and enrollment-related assistance when requested and permitted by applicable rules.
• Provide tax preparation and related support services based on the documents, records, and information you provide.
• Maintain business records, detect fraud, prevent misuse of the website, improve website performance, and protect the security of our systems.
• Comply with legal, regulatory, licensing, tax, recordkeeping, carrier, Marketplace, Medicare, subpoena, audit, and law enforcement requirements.

5. Tax Return Information

Tax return information is treated separately from ordinary website inquiry information. For tax preparation services, tax return information generally includes information you provide to us, information we generate, and information collected or used in connection with preparing, assisting with, or supporting a tax return or related tax service.

We use tax return information to provide tax preparation and closely related services, to communicate with you about those services, to maintain required records, to comply with law, and for other purposes permitted by applicable tax-preparer rules.

We do not use or disclose tax return information for unrelated marketing, referral, or non-tax-preparation purposes unless allowed by law or unless we obtain the required taxpayer consent in the required form.

We do not knowingly disclose tax return information outside the United States or its territories unless the disclosure is legally permitted and any required taxpayer consent has been obtained.

Third-party providers that support tax preparation, document handling, software, storage, communication, or security functions are expected to protect tax return information and use it only for authorized purposes.

6. Insurance and Financial Privacy Notice

MR Insurance Advisors LLC may handle nonpublic personal information in connection with insurance and tax-related services. This website policy describes our general practices, but clients may also receive or be subject to additional privacy notices, carrier privacy policies, Marketplace notices, Medicare-related disclosures, tax software notices, or engagement documents.

We do not share nonpublic personal information with nonaffiliated third parties for their own independent marketing unless you authorize it or unless the sharing is permitted or required by law.

We may share information with insurance carriers, agencies, enrollment platforms, tax software providers, technology vendors, professional advisors, regulators, government agencies, and service providers when reasonably necessary to provide requested services, process applications, maintain records, comply with legal duties, protect against fraud, or operate our business.

Where legally required, we will provide additional notices or choices regarding certain information-sharing practices.

7. Sale and Sharing of Information

We do not sell your personal information for money.

We do not knowingly sell or share tax return information for cross-context behavioral advertising.

We may share personal information only as reasonably necessary to operate our business, deliver requested services, comply with law, protect our rights, or support ordinary business operations.

• Insurance carriers, agencies, brokers, enrollment platforms, or program administrators when needed to provide quotes, compare plans, support applications, or help with enrollment-related services.
• The IRS, state tax authorities, courts, regulators, law enforcement, carriers, Marketplace administrators, Medicare-related administrators, or other legal authorities when required or permitted by law, regulation, subpoena, audit, contract, or other lawful process.
• Technology vendors, website hosting providers, form processors, anti-bot and security providers, email delivery providers, customer support systems, tax software providers, document management providers, analytics providers when enabled, and similar service providers acting on our behalf under appropriate safeguards.
• Professional advisors or business successors in connection with audits, legal compliance, accounting, corporate transactions, or business restructuring, subject to applicable confidentiality obligations.

8. Cookies, Analytics, Security Tools, and Tracking Technologies

Our website may use cookies, local storage, server logs, security tools, anti-bot tools, and similar technologies to operate the website, protect forms from spam or abuse, understand website performance, remember preferences, and diagnose technical issues.

Our website may use security or anti-bot tools such as Cloudflare Turnstile when enabled, and may use email delivery services such as Amazon SES or similar providers to send form notifications or business communications.

As of the effective date of this Privacy Policy, we do not represent that Google Analytics, Meta Pixel, Google Ads remarketing, Hotjar, session replay tools, or similar non-essential advertising or analytics trackers are active unless they are actually configured on the website.

If we later enable tools such as Google Analytics, Meta Pixel, or similar advertising or measurement technologies, we will update our disclosures and, where required, provide a cookie or privacy choice mechanism designed to prevent non-essential tracking from loading before consent is given.

You may be able to manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

9. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

Because our services may involve sensitive information, including tax records, Social Security numbers, financial data, insurance information, Medicare-related information, and limited health-related information, we seek to limit access to authorized personnel and trusted service providers who need the information for legitimate business purposes.

We are committed to maintaining appropriate security practices for our size, the nature of our business, and the sensitivity of the information we handle. No method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

If we become aware of a security incident affecting your information, we will evaluate the incident and provide notices when required by applicable law.

For Florida residents and Florida-related data, we intend to investigate and provide legally required notices in accordance with the Florida Information Protection Act (FIPA) and other applicable breach-notification laws when they apply.

10. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain records, comply with legal, regulatory, carrier, tax, licensing, contractual, audit, and recordkeeping obligations, resolve disputes, enforce agreements, and protect our business interests.

Retention periods vary depending on the type of information and the service involved. Website inquiries may be retained for a shorter period than active client files. Insurance service records, enrollment-related records, tax preparation records, consent records, and business records may be retained for longer periods when required or advisable under applicable law, carrier contracts, tax rules, professional obligations, or business needs.

General website contact form submissions are not intended to be stored in a separate website database by default. However, message content and related metadata may be retained in business email systems, security systems, consent records, and other ordinary business records when reasonably necessary for follow-up, compliance, fraud prevention, dispute handling, or recordkeeping.

When information is no longer needed, we may delete, de-identify, archive, or securely retain it according to our retention practices and legal obligations.

11. Your Privacy Rights and Choices

Subject to applicable law, you may request access to, correction of, or deletion of certain personal information we maintain about you.

Certain records may not be eligible for deletion if we must retain them for legal, regulatory, tax, audit, fraud-prevention, contractual, insurance, licensing, or dispute-resolution purposes.

You may opt out of certain marketing communications by following the instructions in the message or by contacting us. Transactional or service-related communications may still be sent when necessary to provide requested services or comply with legal obligations.

To exercise a privacy request, please contact us using the information listed below. We may need to verify your identity before responding.

12. California Privacy Notice

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, if the law applies to us and to the relevant information.

California rights may include the right to know the categories and specific pieces of personal information collected, the right to request deletion of eligible information, the right to correct inaccurate information, the right to data portability, the right to opt out of the sale or sharing of personal information, the right to limit certain uses or disclosures of sensitive personal information, and the right not to be discriminated against for exercising privacy rights.

We do not sell personal information for money. If we engage in activity that constitutes a sale or sharing of personal information under California law, including certain cross-context behavioral advertising activities, we will provide the required notice and opt-out mechanism.

Where required by applicable law and technically feasible, we will honor recognized opt-out preference signals such as Global Privacy Control for browser-based sale or sharing choices.

We use sensitive personal information only for purposes reasonably necessary to provide requested services, comply with law, protect security, prevent fraud, or for other purposes permitted by applicable law.

13. Children's Privacy

Our website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the public website.

We may collect information about dependents or household members when an adult client provides that information for insurance, Marketplace, Medicare, tax, or related service purposes.

14. Third-Party Websites and Platforms

Our website may contain links to third-party websites, portals, carrier websites, government websites, social media platforms, scheduling tools, payment tools, or service providers.

We are not responsible for the privacy, security, content, or practices of third-party websites or platforms, and we encourage you to review their policies separately before submitting information.

15. Updates to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date and post the revised policy on the website.

If legally required or appropriate for active clients or active leads, we may provide additional notice by email, website notice, client portal, or another reasonable method.

16. Contact Information

If you have questions about this Privacy Policy or want to make a privacy-related request, please contact us:

• MR Insurance Advisors LLC
• Tampa, Florida, USA
• Email: info@mrinsuranceadvisors.com
• Phone: 813-863-0382