Privacy Policy

Who We Are

3P Insurance Services, LLC is a life insurance brokerage based in New York and licensed in multiple states including California. We comply with applicable state insurance privacy regulations, including New York and any other state in which we are licensed. We also adhere to the privacy requirements of the federal Gramm-Leach-Bliley Act (“GLBA”) of 1999, which mandates that financial institutions protect consumer nonpublic personal information (“NPI”) through privacy notices, opt-out rights, and strict data security safeguards.

Information We Collect

• We collect personal information if you ask us to contact you, if a referral was made on your behalf, or if you subscribe to our blog. That information may include your name, phone number, email, mailing address. While doing business, we may also collect health records, medical history, financial data, and other personal information necessary to allow us to properly and promptly source and find a requested insurance coverage.
• We may collect information from carriers, medical information bureaus, or other relevant and applicable third parties during the insurance underwriting process. To the extent we receive health-related information in connection with the underwriting process, we treat it as confidential and handle it in accordance with applicable law. Clients authorize the release of medical records to the carrier as part of the application process for underwriting purposes only.
• We do not knowingly collect information from minors.
• All applications are posted on carriers’ portals, submitted through their third‑party platforms, and guided by the laws of jurisdictions relevant to those carriers.
• We do not collect application data directly on our site.
• We do not knowingly collect information from minors.

How We Use Information

• To respond to your requests and provide brokerage services.

• To support underwriting and servicing of policies.

• Information received by phone or email is used only to answer underwriters’ questions or address underwriting concerns.
  – We may also share your information with business partners (e.g., financial advisors, mortgage brokers, or other professional service provider) upon your request and only for the specifically requested purpose.
  – We do not share your information with business partners for marketing, solicitation, or any other purpose without your consent.
  – We do not sell or rent your information.
  – When information is shared with us by a referring partner on your behalf, we use it solely to assist you with your insurance needs and treat it with the same level of care as information you provide to us directly.

• We treat your information, whether received directly from you or by referral, with care and with respect for your privacy.

• We may use or disclose information as required by law, court order, or regulatory authority.

• We do not share your nonpublic personal information with non-affiliated third parties for purposes other than those described in this policy, so no opt-out election is necessary.

• We may only share your information with relevant third parties (e.g., underwriters) who are essential to obtaining coverage.

Data Retention

If you become a client, we retain your personal information for the duration of our relationship and for as long as necessary to support any ongoing insurance needs, fulfill legal and regulatory obligations, or assist with future inquiries. If you contact us but do not become a client, we may retain basic contact information for a reasonable period, consistent with applicable state record retention requirements. You may request deletion of your information at any time. We will honor such requests to the extent not prohibited by legal, regulatory, or contractual obligations.

Anything we discuss regarding insurance coverage, including quotes, health history, financial situation, or other sensitive material, will be treated with care and confidentiality.

Website Analytics
Our website may use Google Analytics, a web analytics service provided by Google LLC, to help us understand how visitors use our site. Google Analytics collects data such as pages visited, time on site, and general geographic location based on IP address. It does not collect any NPI, your name, email, or any information that identifies you personally.

Google Analytics uses cookies (small text files stored on your device) to collect this data. IP addresses are automatically anonymized by Google—the full IP address is never stored.

This data is shared with Google and may be used by Google in connection with its own services and advertising network. For details on how Google uses this data, visit google.com/policies/privacy/partners.

To opt out of Google Analytics tracking, you can install the Google Analytics Opt-out Browser Add-on at tools.google.com/dlpage/gaoptout.

Security

We use password‑protected systems and email encryption to safeguard information. Access is limited to authorized personnel.

We maintain a written information security program in accordance with the FTC Safeguards Rule.

As a small business, we qualify for the limited exemption under the New York DFS Cybersecurity Regulation (23 NYCRR 500) and are not subject to its full requirements.

Third-Party Links
Our website may periodically contain links to third-party sites, (e.g., application platforms). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies directly before using such sites.

Blog Subscriptions

If you choose to subscribe to our blog, we will collect your email address for the purpose of sending you the blog. Every communication will include an unsubscribe option.

Updates

We may update this policy from time to time. The effective date will always be posted at the top of the page.

Contact Us

If you have questions or privacy requests, you can reach us at:

3P Insurance Services

120 Bennett Ave. #3G, NY, NY 10033
914-443-9709
Email: [Your privacy email address]

California Privacy Notice
Effective Date: [Insert Date]

This notice supplements our Privacy Policy above and applies only to California residents, in compliance with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

We collect the categories of personal information described in our Privacy Policy above, including contact information, health and financial information collected during the underwriting process, and web analytics data. We do not sell or share your personal information as those terms are defined under the CCPA/CPRA, except that our use of Google Analytics may constitute “sharing” under CPRA for purposes of cross-context behavioral advertising. California residents may opt out of this by using the Google Analytics Opt-out Browser Add-on described in our Privacy Policy.

Your Rights as a California Resident

You have the right to:

• Know what personal information we collect, how we use it, and with whom we share it.
• Access, correct, or delete your personal information.
• Limit our use of sensitive personal information to what is necessary for underwriting and servicing purposes.
• Be free from discrimination for exercising any of your privacy rights.

Submitting Requests
To exercise any of these rights, contact us directly. You may also submit a request through an authorized agent with written authorization.

3P Insurance Services

120 Bennett Ave. #3G, NY, NY 10033
914-443-9709

Email: [Your privacy email address]

Updates
We may update this policy from time to time. The effective date will always be posted at the top of the page.