Privacy Policy

Apex Insurance Navigators, LLC (“Apex,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us through our website and online interactions. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, submit forms, or otherwise interact with us online.

This Policy applies to our online presence. Separate notices may apply to information collected in connection with insurance applications, policies, or customer relationships under applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and Florida insurance privacy regulations.

1. Information We Collect

We may collect the following categories of information:

Information You Provide Directly

- Contact information (name, email address, phone number, mailing address)

- Information submitted through contact forms, consultation requests, or inquiry forms

- Details about your insurance needs or interests (for example, Medicare, extended care, or legacy planning questions)

- Any other information you choose to provide

Information Collected Automatically

- IP address, browser type, device information, operating system

- Pages visited, time spent on pages, referring/exit pages

- Approximate location information derived from IP address

- Cookies, pixel tags, and similar tracking technologies

Information from Other Sources

In limited cases, we may receive information from insurance carriers, service providers, or publicly available sources in connection with servicing inquiries or business operations. We do not knowingly collect sensitive personal information through the website beyond what you voluntarily provide in connection with an insurance-related inquiry.

2. How We Use Your Information

We use the information we collect to:

- Respond to your inquiries and schedule consultations

- Provide information about our services (Medicare guidance, extended care planning, legacy planning, and related solutions)

- Improve our website, content, and user experience

- Communicate with you about appointments, follow-ups, or educational resources (with your consent where required)

- Comply with legal, regulatory, and contractual obligations

- Protect the security and integrity of our website and business

- Analyze website usage and performance

3. How We Share Your Information

We do not sell your personal information.

We may share information in the following circumstances:

- Service Providers – With trusted vendors who assist us with website hosting, analytics, email communications, form processing, or IT support, under agreements that require them to protect the information

- Insurance Carriers and Business Partners – When necessary to respond to your request for information or quotes, or to facilitate an application or policy

- Legal and Regulatory Requirements – When required by law, regulation, subpoena, court order, or to protect our rights, safety, or property, or that of others

- Business Transfers – In connection with a merger, acquisition, reorganization, or sale of assets, subject to appropriate confidentiality protections

- Affiliate Agents – With independent agents or marketing organizations in our Affiliate Agent Network only as needed to support legitimate business operations and with appropriate safeguards

We require third parties who receive personal information to maintain appropriate confidentiality and security measures.

4. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

- Remember your preferences

- Understand how visitors use the site

- Improve site performance and content

You can control cookies through your browser settings. Disabling cookies may affect certain website functionality. We may use standard analytics tools (such as Google Analytics or similar services) that collect aggregated or anonymized usage data.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or destruction. While we strive to protect your information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

6. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Policy, to meet legal or regulatory requirements, to resolve disputes, or to enforce our agreements. Retention periods vary depending on the type of information and the context in which it was collected.

7. Your Rights and Choices

Depending on applicable law, you may have the right to:

- Request access to the personal information we hold about you

- Request correction of inaccurate information

- Request deletion of certain information (subject to legal and regulatory retention requirements)

- Opt out of certain marketing communications

To exercise these rights or ask questions about your information, please contact us using the information below. We will respond in accordance with applicable law. Note that certain insurance-related records may be subject to specific retention and disclosure rules under federal and state insurance privacy laws. You may also unsubscribe from marketing emails by following the instructions in those messages.

8. Children’s Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete it promptly.

9. Third-Party Links

Our website may contain links to third-party websites (including insurance carrier sites or educational resources). We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Health and Sensitive Information

If you provide health-related or other sensitive information in connection with an insurance inquiry or application, that information will be handled in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act and, where applicable, HIPAA. Additional notices regarding the use and protection of nonpublic personal information may be provided at the time of application or when a customer relationship is established.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Effective Date” at the top of this page indicates when the Policy was last revised. Material changes will be posted on this page. We encourage you to review this Policy periodically.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to contact us regarding your personal information, please reach out through the methods listed on our Contact Us page or write to:

Apex Insurance Navigators, LLC

5600 Mariner St., Suite 220

Tampa, FL 33609

[email protected]

(727) 353-0267