This Privacy Policy describes how Kelsey National Corporation (“we,” “us,” or “our”) collects, uses, shares, and protects the personal information you provide through our website www.dentalinsurance.com and in connection with our insurance brokerage services. It also describes your rights and choices regarding your personal information.
By using our website or services, you agree to the collection and use of information as described in this Privacy Policy. This policy applies to residents of the United States only.
Kelsey National Corporation operates as a licensed insurance broker. In this capacity, we collect and retain certain personal information to facilitate insurance transactions, fulfill our legal and regulatory obligations, and administer policies on your behalf. The collection of this information is necessary to provide you with insurance brokerage services and is governed not only by this Privacy Policy but also by applicable state and federal insurance regulations, including the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance codes.
When you use our website or apply for insurance through us, we may collect:
When you visit our website, we automatically collect certain technical information including:
We use IP address data for security monitoring, fraud prevention, analytics, and to route users to appropriate state-specific insurance plan content and pricing.
We may receive information about you from insurance carriers, data providers, and marketing partners to help us provide services and improve our offerings.
We use the information we collect for the following purposes:
We do not sell your personal information to third parties. We may share your personal information in the following circumstances:
As a fundamental and necessary part of our brokerage services, we share your personal information with insurance carriers and underwriters for the purpose of obtaining quotes, binding coverage, administering your policy, and processing claims. This sharing is required to provide you with the services you have requested. Insurance carriers who receive your information are bound by their own privacy policies and applicable insurance regulations.
We may share your information with third-party companies that provide services to support our business, such as payment processing, customer service, data analytics, and technology services. These companies are authorized to use your personal information only as necessary to provide services to us and are contractually required to protect your information.
We may share your information with advertising partners, analytics providers, and data platforms to support our marketing efforts, including audience targeting and campaign measurement. These partners are contractually required to use your information only for the purposes we specify.
We may disclose your personal information as required by law, regulation, or legal process, including to comply with a subpoena or similar legal process, or when we believe in good faith that disclosure is necessary to protect our rights, your safety or the safety of others, investigate fraud, or respond to a government request.
If Kelsey National Corporation is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
We may share your information with other third parties with your prior consent.
We use cookies, web beacons (also known as pixel tags or single-pixel GIFs), and similar tracking technologies to enhance your experience on our website, keep track of your preferences, compile aggregated usage statistics, and support our marketing efforts. Cookies are small data files stored on your device. You may configure your browser to refuse cookies, though some features of our site may not function properly as a result.
We use server-side tracking technologies, including EdgeTag, to collect data about your interactions with our website. Server-side tracking processes data on our servers before passing relevant information to our analytics partners. This data is used to measure the effectiveness of our marketing campaigns and to improve our services.
We use Microsoft Clarity to capture how you use and interact with our website. We use this information to determine the popularity of products/services and online activity; and for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses data, visit the Microsoft Privacy Statement at https://privacy.microsoft.com/privacystatement.
We use third-party analytics tools to gather information about how visitors use our website, such as which pages are accessed and which links are clicked. This information is used in aggregate form to understand and optimize how our site is used.
We and our third-party partners use cookies, pixel tags, and similar technologies to track your activity on our site for marketing purposes. This may include collecting information about the pages you visit, the content you interact with, and actions you take, in order to deliver more relevant advertising and measure campaign performance. Some of these technologies may track your activity across other websites or online services.
To improve our services and provide more relevant experiences, we may supplement the information you provide with additional data obtained from third-party sources such as data providers, public records, and marketing platforms. This may include demographic, behavioral, or interest-based information.
We use this combined data for purposes including:
This data is processed in accordance with this Privacy Policy and applicable law. We do not use enriched data to make automated decisions that produce legal or similarly significant effects on individuals without human review. You may opt out of data enrichment as described in Section 9.3.
The security of your personal information is important to us. We maintain a written information security program designed to protect your personal information from unauthorized access, use, or disclosure. Our safeguards include:
No method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including our obligations as a licensed insurance broker. Certain information may be retained for longer periods as required by state insurance regulations, the Gramm-Leach-Bliley Act, other legal obligations, or for the resolution of disputes and enforcement of agreements. We maintain a data retention schedule that aligns with applicable regulatory requirements. When personal information is no longer needed, we take steps to securely destroy or de-identify it.
Enriched data and analytical models derived from your information are retained for as long as they remain relevant to the purposes described in this policy, or as required by law.
You may choose to stop receiving our newsletter or marketing emails at any time by following the unsubscribe instructions included in those emails or by contacting us at customersupport@dentalinsurance.com.
You may request access to or correction of your personal information by contacting us at customersupport@dentalinsurance.com.
You may opt out of interest-based advertising by visiting www.aboutads.info/choices or by contacting us at customersupport@dentalinsurance.com with the subject line "Privacy Opt-Out." To request that we stop enriching your personal information with data from third-party sources, contact us at the same email address.
Under the Gramm-Leach-Bliley Act, you have the right to opt out of certain sharing of your personal information with non-affiliated third parties.
In the course of providing insurance brokerage services, we may collect certain categories of sensitive personal information including dates of birth, and financial and payment information, and, if required by the insurance company to which you apply, Social Security numbers. We also collect coverage-related information such as whether you currently have dental coverage, prior coverage history, the names and dates of birth of dependents to be covered, and your location for the purpose of determining plan availability. This information is collected solely for the purpose of facilitating insurance transactions and administering your coverage, and is protected in accordance with applicable federal and state laws including the Gramm-Leach-Bliley Act and applicable state insurance regulations.
Our website includes links to other websites whose privacy practices may differ from those of Kelsey National Corporation. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at customersupport@dentalinsurance.com and we will take steps to delete the information.
Depending on the state in which you reside, you may have additional privacy rights under applicable state law. As we sell insurance products nationally, we are subject to the privacy requirements of multiple states, including state insurance privacy regulations. We are committed to honoring applicable state privacy rights. If you have questions about your state-specific rights, please contact us at customersupport@dentalinsurance.com. Depending on your jurisdiction, these rights may include the ability to access, correct, or delete your personal information, or to object to certain processing activities. To exercise any such rights, please contact us at customersupport@dentalinsurance.com or call 800-296-3800.
We may update this Privacy Policy from time to time to reflect changes to our information practices, new technologies we deploy, or changes in applicable law. If we make any material changes, we will notify you by email (sent to the email address associated with your account) or by means of a prominent notice on our website prior to the change becoming effective. The date at the top of this policy indicates when it was last updated. We encourage you to review this page periodically for the latest information on our privacy practices.
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
DentalInsurance.com
Kelsey National Corporation
3030 S Bundy Dr, Los Angeles, CA 90066
Phone: 800-296-3800
Email: customersupport@dentalinsurance.com
Hours: 6am – 5pm Pacific Time, Monday – Friday
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
