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Privacy Policy

Privacy Policy

Effective Date: June 4, 2024

Welcome to Cible Insurance. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.cibleinsurance.com (the "Site"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the Site.

1. Information We Collect

Personal Data

We may collect personally identifiable information that you voluntarily provide to us when you register on the Site, make a purchase, subscribe to our newsletter, or contact us. This information may include:

  • Name
  • Email Address
  • Phone Number
  • Mailing Address
  • Payment Information
  • Social Security Number (if required for certain services)
  • Date of Birth
  • Policy Number

Non-Personal Data

We may collect non-personal information such as:

  • Browser and Device Information
  • IP Address
  • Pages You Visit
  • Time and Date of Visit
  • Referring/Exit Pages

2. How We Use Your Information

We use the information we collect in the following ways:

  • To provide, operate, and maintain our Site and services
  • To improve, personalize, and expand our Site and services
  • To process your transactions and manage your insurance policies
  • To communicate with you, including responding to your inquiries
  • To send you marketing and promotional materials
  • To prevent fraudulent activities and enhance the security of our Site
  • To comply with legal obligations and resolve disputes

3. Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

  • With Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf.
  • For Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
  • With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
  • To Comply with Legal Obligations: We may disclose your information to comply with legal processes, to respond to claims, or to protect the rights, property, or safety of others.
  • With Your Consent: We may disclose your information for any other purpose with your consent.

4. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

5. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

  • Access: You can request access to the personal information we hold about you.
  • Correction: You can request that we correct any inaccuracies in your personal information.
  • Deletion: You can request that we delete your personal information under certain circumstances.
  • Opt-Out of Marketing Communications: You can opt-out of receiving marketing emails from us by following the unsubscribe link provided in those emails.

6. Children's Privacy

Our Site is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us.

How does receiving Social Security benefits relate to obtaining Medicare?

Prior to reaching 65:

Your automatic enrollment in Part A (Hospital Insurance) and Part B (Medical Insurance) of Social Security (or the Railroad Retirement Board) upon reaching 65 years old is contingent upon your application being submitted at least four months prior to your 65th birthday.
You will still have to make critical choices regarding your insurance, such as whether to add prescription coverage.
You will need to enroll in Medicare if you wish to receive coverage when you turn 65 but do not intend to take retirement benefits at that time.

Following your 65th birthday:

When the time comes for you to enroll in Medicare, you'll need to get in touch with Social Security. 

Depending on your work situation and if you have health coverage through your employer, you may want to wait to sign up for Medicare.

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