Privacy Policy

MD Insurance Hub ("we," "us," "our," or the "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service, including our website and mobile applications.

1. Information We Collect

Personal Information

We collect the following information when you create an account and use our Service:

• Full name
• Email address
• City and state of residence
• Payment information (credit card, billing address)
• Phone number (optional)

Usage and Performance Data

We automatically collect information about your interactions with the Service:

• Exam progress and test scores
• Study streak and task completion
• Lead generation searches and results
• Video views and content engagement
• Pages visited and time spent
• Browser type and IP address
• Device information and operating system

Payment Information

Payment processing is handled by Stripe, a PCI-DSS compliant payment processor. We do not store full credit card numbers. Your payment information is encrypted and transmitted securely.

2. How We Use Your Information

We use the information we collect to:

• Provide and improve the Service
• Process payments and billing
• Send transactional emails (receipts, confirmations, trial reminders)
• Send marketing communications (with your consent)
• Personalize your experience
• Diagnose and fix technical issues
• Prevent fraud and abuse
• Comply with legal obligations
• Analyze usage patterns and improve features
• Generate insights about Maryland insurance agents

3. Who We Share Your Information With

Service Providers

We share information with third-party service providers who help us operate the Service:

• Stripe - Payment processing
• OpenAI - AI coaching and analysis features
• HeyGen - Video generation
• Email providers - Transactional and marketing emails
• Cloud hosting - Data storage and backup

Legal Requirements

We may disclose your information when required by law, such as in response to:

• Subpoenas or court orders
• Law enforcement requests
• Government investigations

Business Transfers

If MD Insurance Hub is acquired or merged with another company, your information may be transferred as part of that transaction. We will provide notice before such transfer.

4. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy. Specifically:

• Account data: Retained while your account is active
• Payment records: Retained for 7 years (tax and legal compliance)
• Usage analytics: Retained for 2 years
• Email communications: Retained for 3 years

When you delete your account, we will remove your personal information within 30 days, except where we are required to retain it by law.

5. Your Rights and Choices

Maryland Residents

As a Maryland resident, you have the right to:

• Access your personal information
• Correct inaccurate information
• Delete your account and associated data
• Opt-out of marketing communications

GDPR Rights (EU Users)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR), including:

• Right to access your data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to lodge a complaint with your supervisory authority

CCPA Rights (California Users)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to:

• Know what personal information is collected
• Know whether personal information is sold or disclosed
• Delete personal information collected from you
• Opt-out of the sale of personal information
• Non-discrimination for exercising your rights

Email Preferences

You can manage your email preferences in your account settings or click "unsubscribe" in any marketing email. We will continue to send transactional emails (receipts, confirmations, etc.) regardless of your preferences.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your login information
• Track user behavior for analytics
• Personalize your experience
• Prevent fraud
• Deliver targeted marketing

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when a cookie is being sent.

We use Google Analytics to understand how users interact with the Service. You can opt-out by installing the Google Analytics opt-out browser extension.

7. Security of Your Information

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data in transit
• Encrypted storage for sensitive data
• Regular security audits
• Access controls and authentication
• Employee confidentiality agreements

However, no security system is impenetrable. We cannot guarantee absolute security of your information.

8. How to Exercise Your Privacy Rights

To request access to your personal information, correct inaccuracies, or exercise any of your privacy rights, please contact us at:

We will respond to your request within 30 days. We may require additional information to verify your identity before processing your request.

9. Contact Us

If you have questions about this Privacy Policy or our privacy practices:

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a notice on our website. Your continued use of the Service following such notification constitutes your acceptance of the updated Privacy Policy.