Introduction
At Drs Choices Insurance Services, Inc. (“Company,” “we,” “us,” or “our”), we are committed to protecting the privacy and security of medical professionals who use our website and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at drschoices.net (the “Website”) and request insurance quotes or services.
We specialize in providing disability insurance, life insurance, and health insurance solutions exclusively for doctors, dentists, and medical professionals. This Privacy Policy outlines our practices regarding the collection and use of your personal and professional information during the quote request process and throughout our service relationship.
By using our Website, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Website.
Information We Collect
Information You Provide to Us
We collect information that you voluntarily provide when you:
- Request an insurance quote through our online form
- Register for an account on our Website
- Contact us via email, phone, or contact forms
- Apply for insurance policies through our platform
- Communicate with our insurance agents regarding your insurance needs
This information may include:
- Full name
- Email address (navid@drschoices.net for inquiries)
- Phone number
- Mailing address
- Date of birth
- Medical specialty or profession
- Residency or employment information
- Current health status (for underwriting purposes)
- Income information
- Other information relevant to providing accurate insurance quotes
Information We Collect Automatically
When you visit our Website, we automatically collect certain information about your device and browsing activity, including:
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Data: Pages visited, time spent on pages, links clicked, referring website
- Location Data: General geographic location based on IP address
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and analyze website traffic
Information from Third Parties
We may receive information about you from:
- Insurance carriers we partner with during the quote and application process
- Business partners who assist us in providing services
- Public databases to verify professional credentials
- Credit bureaus when necessary for underwriting purposes
How We Use Your Information
We use the information we collect for the following purposes:
Primary Business Functions
- Provide insurance quotes from multiple carriers based on your specific needs
- Process applications for disability, life, and health insurance policies
- Communicate with you about your quotes, applications, and policy options
- Connect you with licensed insurance agents in all 50 states
- Facilitate underwriting by sharing necessary information with insurance carriers
- Maintain and service your account throughout the policy lifecycle
Website Operations and Improvements
- Operate and maintain our Website and online quote request system
- Improve user experience by analyzing how visitors use our Website
- Provide customer support and respond to your inquiries
- Ensure Website security and prevent fraudulent activity
- Comply with legal obligations and industry regulations
Marketing and Communications
- Send promotional emails about our services, new insurance products, and special discounts (you may opt out at any time)
- Provide personalized recommendations based on your professional profile
- Share educational content about disability insurance and financial planning for medical professionals
We will never sell your personal information to third parties for their marketing purposes.
Cookies and Tracking Technologies
Types of Cookies We Use
- Essential Cookies: Required for Website functionality and cannot be disabled
- Performance Cookies: Help us understand how visitors interact with our Website
- Functionality Cookies: Remember your preferences and settings
- Advertising Cookies: Used to deliver relevant advertisements (managed by third parties)
Managing Cookies
You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our Website. To learn more about cookies and how to manage them, visit www.allaboutcookies.org.
Third-Party Tracking
Third-party advertising networks and analytics providers may use cookies and similar technologies to collect information about your browsing activity across different websites. We do not control these third-party technologies. To opt out of interest-based advertising, visit:
- Network Advertising Initiative (NAI): www.networkadvertising.org/choices
- Digital Advertising Alliance (DAA): www.aboutads.info/choices
How We Share Your Information
With Insurance Carriers
We share your information with insurance carriers to:
- Obtain accurate quotes for disability, life, and health insurance
- Process your insurance applications
- Complete the underwriting process
- Issue and service your insurance policies
With Service Providers
We may share your information with trusted third-party service providers who assist us in:
- Website hosting and maintenance
- Payment processing
- Customer relationship management (CRM)
- Email communications
- Data analytics and security
These service providers are contractually obligated to protect your information and may only use it to perform services on our behalf.
With Your Consent
We may share your information with other parties when you provide explicit consent, such as:
- Referring you to financial advisors or other professionals
- Sharing testimonials or reviews (with your permission)
- Participating in co-marketing opportunities
For Legal Reasons
We may disclose your information when required by law or to:
- Comply with legal processes, court orders, or government requests
- Protect our rights, property, or safety, or that of our users or the public
- Enforce our Terms of Service or other agreements
- Investigate potential fraud or security issues
Data Security
We implement industry-standard security measures to protect your personal information, including:
- SSL/TLS encryption for data transmission (our Website is SSL Verified)
- Secure servers with restricted access
- Regular security audits and updates
- Employee training on data privacy and security practices
- Contractual safeguards with third-party service providers
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.
Your Privacy Rights
General Rights
You have the right to:
- Access the personal information we hold about you
- Correct inaccurate or incomplete information
- Delete your information (subject to legal and contractual obligations)
- Opt out of marketing communications at any time
- Request information about how we use and share your data
To exercise these rights, contact us at navid@drschoices.net.
California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the “Shine the Light” law (Civil Code Section 1798.83), including:
- The right to know what personal information we collect, use, disclose, and sell
- The right to request deletion of your personal information
- The right to opt out of the sale of personal information (we do not sell personal information)
- The right to non-discrimination for exercising your privacy rights
To submit a request under California law, contact us at navid@drschoices.net or call our office. We will respond within 45 days.
Other State Privacy Rights
Residents of other states may have additional privacy rights under applicable state laws. Please contact us to learn more about your rights.
Children’s Privacy
Our Website and services are intended for medical professionals and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at navid@drschoices.net, and we will delete such information from our systems.
Data Retention
We retain your personal information for as long as necessary to:
- Provide you with our services
- Maintain your account
- Comply with legal, regulatory, and contractual obligations
- Resolve disputes and enforce our agreements
When your information is no longer needed, we will securely delete or anonymize it.
Third-Party Websites
Our Website may contain links to third-party websites, including insurance carrier websites and partner organizations. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
United States Operations
Our Website is operated from the United States and is intended for users located in the United States. We are licensed to provide insurance services in all 50 states. If you access our Website from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:
- Update the “Last Updated” date at the top of this page
- Post a prominent notice on our Website homepage
- Send an email notification to the address associated with your account (if applicable)
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our Website after changes are posted constitutes your acceptance of the updated Privacy Policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Drs Choices Insurance Services, Inc.
Email: navid@drschoices.net
Website: drschoices.net
We are committed to addressing your privacy concerns and will respond to your inquiries promptly.
