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Javier Consulting Services
Javier Consulting Services
Insurance Agent / Broker

Privacy Policy


Effective Date: January 1st, 2024
This Privacy Policy explains how Javier Consulting Services and its affiliates collect, use, and protect your personal information. We are committed to protecting the privacy and security of your information, and we adhere to all applicable federal and state laws, including HIPAA.
Your acceptance of these terms
By using our website and services, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our site.
1. Information we collect
We collect various types of personal information to provide you with insurance products and services, improve our offerings, and operate our business. The information we collect may include:
    • Identifiers and contact information: Name, address, phone number, email address, date of birth, and Social Security number.
    • Health information (Protected Health Information): Medical history, diagnoses, lab results, and other sensitive health data. This information is given special protection under HIPAA.
    • Financial information: Payment history, bank account details, and credit card numbers.
    • Policy and claims information: Coverage details, benefits, and claim documents.
    • Website activity: IP address, browsing history, browser type, and interactions with our website collected via cookies and other tracking technologies.
We may collect this information directly from you through applications, forms, and phone calls, as well as from third-party sources like consumer reporting agencies.

2. How we use your information
We use your personal information to support our business operations, including:
    • Underwriting and claims processing: To evaluate applications, rate policies, and process claims.
    • Payment and billing: To process payments, manage your account, and confirm your identity.
    • Customer service: To service your policies and accounts and respond to your inquiries.
    • Improve products and services: To analyze our business, enhance the user experience, and develop new offerings.
    • Marketing and communication: We may use your information to offer you other products and services, but we will not use or disclose your Protected Health Information for marketing without your prior written permission, except as permitted by law.
    • Fraud prevention: To protect against fraud and unauthorized transactions.

3. How we share your information
We may share your personal information with third parties under certain circumstances, including:
    • With your authorization: We will obtain your written permission before sharing your Protected Health Information for purposes outside of treatment, payment, or healthcare operations.
    • For treatment, payment, and healthcare operations: We may share PHI with healthcare providers, hospitals, or other entities to coordinate your care or to determine your eligibility for benefits.
    • With business associates: We share information with third-party vendors who perform services on our behalf (e.g., email service providers, web hosting). These vendors are required to protect your information under a Business Associate Agreement.
    • As required by law: We may disclose your information to insurance regulatory authorities, law enforcement, or in response to legal processes.

4. Your privacy rights
You have specific rights regarding your personal information, which you may exercise by contacting us.
    • Right to access and copy: You can request to see and get a copy of your health records.
    • Right to request amendments: You have the right to request corrections to your health information if you believe it is inaccurate or incomplete.
    • Right to request restrictions: You may ask us to restrict how we use or disclose your Protected Health Information, and we will comply if the request is for treatment you have paid for out-of-pocket.
    • Right to receive confidential communications: You have the right to request that we send communications to you by alternative means or at alternative locations.
    • Right to opt-out: You can opt-out of having your information shared for marketing purposes, in accordance with applicable laws.
    • Right to an accounting of disclosures: You have the right to receive a report on when and why your PHI was shared for certain purposes.
    • Breach notification: We will notify you if a breach of your unsecured Protected Health Information occurs.

5. How we protect your information
We maintain physical, electronic, and procedural safeguards to protect your personal information and comply with federal and state laws. Our security measures include:
    • Encryption: Using Transport Layer Security (TLS 1.2 or higher) to protect your electronic information.
    • Access controls: Limiting employee access to your data based on their job responsibilities.
    • Security protocols: Regular review of our policies, network monitoring, and security testing.
    • Staff training: Regular training for all staff on confidentiality and privacy requirements.

6. How to contact us
If you have any questions or concerns about this Privacy Policy or your privacy rights, please contact us:
Javier Consulting Services
    • Address: 458 Beauregard Ave NE Palm Bay, Fl
    • Phone: 321-429-1182
    • Email: info@javierconsulting.com
7. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on this page and, if the changes are material, we will provide notice to you as required by law.