Consumer Health Data Privacy Notice

Protecting Your Most Sensitive Information

When you share health-related information with us, you deserve to know exactly how it’s protected. This notice explains how we handle consumer health data with care, confidentiality, and transparency — because your trust means everything.

Effective Date: 1/1/2025

This Consumer Health Data Privacy Notice explains how Cardinal Family Insurance collects, uses, stores, and protects health-related information that you voluntarily share when inquiring about or applying for insurance services. This notice complies with applicable consumer health data laws and is intended to help you make informed decisions.

1. What Is Consumer Health Data?

Consumer Health Data includes any personal information that identifies your physical or mental health condition, treatment history, or other health-related inquiries you share with us during the insurance consultation or application process.

Examples may include:

  • Medical conditions or diagnoses

  • Prescription information

  • Doctor visits or health history

  • Height, weight, tobacco use, or lifestyle disclosures

  • Family medical history (if requested by carriers)

2. How We Collect Health Information

We may collect health information:

  • Through online forms or applications submitted via our website

  • During phone, video, or in-person consultations with Melissa or affiliated agents

  • When you authorize access to health data as part of an insurance application process

3. Why We Collect It

We collect health-related information only when necessary to:

  • Match you with appropriate insurance products

  • Fulfill application requirements for underwriting

  • Provide quotes or evaluate eligibility for certain policies

  • Submit applications to our partnered A+ rated carriers

 

We do not collect health data for marketing purposes.

4. How Your Data Is Used

Your information is only used for its intended insurance-related purpose and may be shared securely with:

  • Licensed insurance carriers and underwriters

  • Third-party service providers (such as application platforms or secure document processors)

  • State or federal regulators if legally required

 

We do not sell or rent your health data.

5. Your Rights

You have the right to:

  • Know what health data has been collected

  • Request access, correction, or deletion of your health-related information (where permitted by law)

  • Withdraw your consent at any time (note: this may affect application status)

6. Data Security

We implement industry-standard technical, administrative, and physical safeguards to protect your health data from unauthorized access, use, or disclosure.

7. Retention

Your health data is retained only as long as necessary to complete the application process, fulfill legal or compliance obligations, or maintain accurate records of your policy interactions.

8. Updates to This Notice

We may update this notice to reflect changes in law or business practices. Updated notices will be posted on this page with a revised effective date.

9. Contact Information

To request access to your health data or ask questions about how it’s handled, contact:

Cardinal Family Insurance
Melissa Peterson, Owner & Field Underwriter
6381 Audubon Drive
Pensacola, FL 32504
(850) 601-0612
melissapeterson@cardinal-family-insurance.com