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Privacy Policy

Our Commitment To Privacy

Thank you for visiting www.pearsonravitz.com (the “Website”), which is owned and operated by Pearson Ravitz, LLC d/b/a Pearson Ravitz Insurance Agency (“PearsonRavitz”). PearsonRavitz provides insurance brokerage and consulting services with a focus on disability and life insurance. PearsonRavitz recognizes the importance of maintaining your privacy, and as a result, has established this Privacy Policy (“Privacy Policy”). Throughout this Privacy Policy, the terms “we,” “us,” and “our” refer to PearsonRavitz and the terms “you” and “your” refer to any visitor to or user of the Website or any user of the Secure Intake Form.

This Privacy Policy is intended to help you understand the types of information we may collect from you or that you may provide when you visit the Website, when you access the Portal (as defined herein), or when you submit the secure intake form that we send to you via email to begin your engagement with us (“Secure Intake Form”). This Privacy Policy and describes our practices for collecting, using, maintaining, protecting and disclosing such information. This Privacy Policy applies to information we collect on or through the Website, the Portal, via email, and/or through a Secure Intake Form, and does not govern information collected from you in any other manner.

Please carefully read this Privacy Policy before you start using the Website, before you access the Portal, and before you submit any Personally Identifiable Information or Protected Health Information to us through the Website, the Portal, the Secure Intake Form or via email. By accessing or browsing the Website, by submitting any Personally Identifiable Information or Protected Health Information to us, or by clicking to accept or agree to the Privacy Policy when this option is made available to you you agree to be legally bound, without limitation or qualification, to our Terms of Use, this Privacy Policy, and the collection and processing of your information according to this Privacy Policy. If you do not agree to all, or any, of the provisions in these Terms of Use or our Privacy Policy please immediately exit and make no further use of the Website, the Portal or the Secure Intake Form. You may choose not to provide certain information to us, but as a result, you may not be able to participate in certain activities or transactions provided on or through the Website or the Portal. This Privacy Policy does not change or alter the terms of any other contract, policy or agreement between you and PearsonRavitz.

Collection of Information

Through the Website, the Portal, email correspondence with you, or through the Secure Intake Form, we may collect “Personally Identifiable Information,” including, but not limited to, your contact information (i.e. name, e-mail address, postal address, telephone number), government-issued identification numbers (i.e. social security numbers or driver’s license numbers), as well as other information such as individually identifiable health information, including but not limited to your demographic data and medical history (“Protected Health Information”), other medical information, financial information, and employment information, subject to the terms of this Privacy Policy, so that we can: (i) provide you with a link to create username and password and access an online portal, which allows you to upload and manage documentation and forms used in connection with your application for certain insurance coverage (the “Portal”); (ii) contact you to respond to inquiries and messages you send to us related to the Website and/or related to purchasing products and services offered by or through us; (iii) review, consider, and/or process documentation or forms submitted to us via the Secure Intake Form or through the Portal; and (iv) communicate with you to provide you with relevant information about PearsonRavitz and the services it offers, including but not limited to, pricing, special promotions and discounts. In all of these cases, we will collect Personally Identifiable Information and Protected Health Information from you only if you voluntarily submit such information to us, and solely for the purposes of providing insurance consulting and brokerage services and other services that we may offer on or through the Website from time to time. However, we may collect non-personal information in order to operate, maintain, and improve the Website and our services.

Protected Health Information

We protect your Protected Health Information as required by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). We will not disclose Protected Health Information that you provide via the Website, the Portal, via email, or via the Secure Intake Form unless one or more of the following conditions are met:

  • We receive your prior written authorization. Answers to questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. We will not give or sell such information about you to any other company, individual, or group without your prior authorization;
  • We verify that the prospective recipient is you or your authorized representative
  • We are required by law to disclose the information; and
  • The disclosure is permitted under HIPAA.

The Website and the Secure Intake Form Are Not Intended For Use By Individuals Under 18

No one under the age of 18 may provide any personal information on or through the Website, through the Portal, through the Secure Intake Form, via email or otherwise. We do not knowingly collect personal information, including Personally Identifiable Information, from anyone under 18. If you are under 18, do not: (i) use or provide any information to us via email, through the Secure Intake Form, through the Portal, on the Website or, on or through any of the features available on the Website; (ii) use any interactive features on the Website; or (iii) provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from an individual under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about an individual under 18, please contact us by telephone: (610) 658 3251, or e-mail: info@pearsonravitz.com.

Security of Information

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of your information, including your Personally Identifiable Information and Protected Health Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the information we collect online, and we make good faith efforts to store your information in a secure operating environment.

You must also seek to protect against unauthorized access to any information that you use in connection with the Website or that you submit to us via email, the Portal, or the Secure Intake Form, and you should remember to close the browser when you step away from your computer and when you have completed your activities on the Website. If you choose to create an account on the Website or the Portal (an “Account”), you must treat your user name, password or any other piece of information related to your Account (“Account Information”) as confidential, and except as otherwise stated herein, you must not disclose Account Information to any other person or entity.

You agree to notify us within 48 hours of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your Account at the end of each session. You should refrain from accessing your Account from public or shared computers, and should only access your Account from a personal computer. You should use particular caution when logging into and viewing your Account, and when submitting Personally Identifiable Information or Protected Health Information through the Website, the Portal, a Secure Intake Form, or via email using public or shared computers so that others are not able to view or record your Account Information, your Personally Identifiable Information, Protected Health Information or otherwise.

In the event that we determine that there has been a security breach resulting in the unauthorized disclosure of Personally Identifiable Information to a third party, we will notify individuals whose Personally Identifiable Information has been so disclosed as required by law.

Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect the information you submit to us, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

Use and Sharing of Information

PearsonRavitz facilitates the sale of insurance products offered by third party insurance carriers, and if you request to purchase a policy offered by a third party insurance carrier, we will share the information you submit to us with the insurance carrier, solely in connection with providing the requested products and services.

Except as provided in this Privacy Policy, or as otherwise permitted or required under law, we reasonably attempt to ensure that we do not intentionally disclose any Personally Identifiable Information or Protected Health Information submitted by you through the Website to any third party without having first received your permission (through your opting in or otherwise agreeing to the disclosure of such information).

We will release information, which may include Personally Identifiable Information and/or Protected Health Information, as required by law to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We may also release specific information, which may include Personally Identifiable Information, in special cases, such as in certain instances if there is a physical or property threat to you or others. We may also transfer user information, including Personally Identifiable Information and Protected Health Information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. We may provide access to the Personally Identifiable Information and/or Protected Health Information you submit to us, and other information to certain contractors who are performing services for us in connection with our Website, the Secure Intake Form or in connection with the products or services that you have requested.

Additionally, we may use your Personally Identifiable Information to enforce or apply our Terms of Use and other agreements, including for billing and collection purposes and/or if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of PearsonRavitz, our customers or others.

On occasion, we may collect Personally Identifiable Information from you in connection with optional special offers or promotions. We will share such information with necessary third parties for the purpose of carrying out the special offer or promotion. Your participation in the special offer or promotion constitutes your consent to such disclosure and use of such Personally Identifiable Information.

We also reserve the right to use your Personally Identifiable Information to send you communications regarding changes to this Privacy Policy or the Terms of Use.

Electronic Communications and Opting in and Opting Out

When you communicate with us electronically, via e-mail or otherwise, you consent to our use of the information you have provided, and you further consent to receive electronic communications from us. If you would prefer not to receive such communications, you can opt out of/unsubscribe to our e-mail lists by clicking on the “opt out”/“unsubscribe” line at the bottom of the e-mail you receive from us. You should be aware, however, that (i) it is not always possible to completely remove or modify information in our databases and servers, although we will always make reasonable efforts to do so upon your request, and (ii) we are unable to have your information removed from the records of any third party who has been provided with your information in accordance with this Privacy Policy.

Cookies and Other Technologies

The Website may use “cookies” and/or other technologies or files (collectively, “cookies”) to identify how visitors make use of the Website. Through the use of cookies, we may automatically collect certain non-personally identifiable information when you visit the Website, including, but not limited to, the time and date of your visit, the pages that you access, and the number of times you return to the Website. This information is not used to identify you, but is used in the aggregate to help us improve and enhance the website experience for all of our visitors. If you would prefer not to have such cookies stored on your computer, you may modify your browser settings to reject most cookies, or manually remove cookies that have been placed on your computer. However, by so rejecting the cookies, you may be unable to fully access the offerings on the Website.

We may also collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. When authorized by us, third parties specializing in monitoring aggregate statistical use of the Website with whom we contract, may use cookies, our web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.

Additionally, we may use IP address information to count and track aggregate visits to the Website, to help diagnose problems with our server, and to administer the Website. We do not link IP addresses to anything personally identifiable, so while a particular user’s session can be tracked, the user remains completely anonymous.

Other Website and Links

The Website may include links to pages on third-party websites, such as our Facebook, Twitter, and LinkedIn pages, that we think will be of interest to you and are not operated by PearsonRavitz. These third-party websites have separate data collection and privacy practices independent from ours, and PearsonRavitz is not responsible for the policies or activities of such other websites. Please contact such third parties directly if you have questions about their privacy policies.

Reviewing, Correcting or Requesting that We Discontinue use of Your Personally Identifiable Information

If you would like to review the current details of your Personally Identifiable Information, or if you would like us to either change, or discontinue use of your Personally Identifiable Information, please contact us at: info@pearsonravitz.com

California Residents Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to info@pearsonravitz.com or write us at: 10 East Athens Avenue, Suite 208, Ardmore, Pa 19003

Changes to the Privacy Policy

We encourage you to review our Privacy Policy not just the first time you visit the Website, the Portal, or the Secure Intake Form, but periodically afterwards since we may modify our Privacy Policy from time to time. The date of the last update of the Privacy Policy will always be posted below:

This Privacy Policy was Last Revised on 11/13/2018.

If we make any substantive changes to our Privacy Policy in the future with regard to how we use Personally Identifiable Information, we will incorporate those changes here. Your continued use of the Website, the Portal, and/or the Secure Intake Form after the changes are posted constitutes your agreement to the changes, both with regard to information we have previously collected from you and with regard to information we collect from you in the future. If you do not agree to the changes, please discontinue use of the Website, the Portal, and the Secure Intake Form. Lastly, if PearsonRavitz is sold or merged with another company, your Personally Identifiable Information and any other Personally Identifiable Information submitted by you may be included as part of the sale. In this case, your Personally Identifiable Information and the Personally Identifiable Information submitted by you will be maintained in the same manner as described in the Privacy Policy unless you’re notified that the Privacy Policy has been changed.

PearsonRavitz’s Contact Information

If you have any questions or comments about this Privacy Policy, the practices of any of the Website, or your dealings with PearsonRavitz we encourage you to contact PearsonRavitz at:

PearsonRavitz, LLC
10 East Athens Avenue, Suite 208
Ardmore, Pa 19003
Telephone: (610) 658 3251
E-mail: info@pearsonravitz.com