1. About This Policy
This Privacy Policy applies to the My Policy Access mobile application (iOS and Android) and the web portal available at mypolicyaccess.com (collectively, the "Service"). By using the Service, you agree to the practices described in this policy.
My Policy Access is an independent private platform. It does not represent, and does not claim endorsement by, any government agency, insurance carrier, or government-sponsored program.
2. Information We Collect
Information you provide directly
- Full name and email address (account registration and login)
- Phone number (for account verification and advisor contact)
- Mailing address, city, state, and ZIP code (for benefits eligibility)
- Date of birth and household size (where applicable for eligibility checks)
- Documents you upload through the secure document vault
Information collected automatically
- Device type, operating system, and app version
- IP address and approximate location (city/region level)
- Pages and features accessed within the app
- Push notification token (for sending account updates)
Information we do not collect
- We do not collect payment card numbers or banking credentials
- We do not collect precise GPS location
- We do not collect Social Security Numbers through the app
3. How We Use Your Information
We use the information collected to:
- Create and manage your secure account
- Display your policy information, documents, and coverage details
- Connect you with your assigned licensed insurance advisor
- Send important account notifications, renewal reminders, and updates
- Track your application status and respond to your inquiries
- Improve the security and functionality of the Service
- Comply with applicable laws and regulations
We do not sell your personal information to third parties for marketing purposes.
4. Information Sharing
Your personal information may be shared only in the following limited circumstances:
- Your assigned licensed advisor: Your advisor may access your profile information to assist you with your coverage or application.
- Service providers: We use third-party services (cloud hosting, push notifications, CRM platforms) that process data on our behalf under strict confidentiality agreements.
- Legal compliance: We may disclose information when required by law or to protect the rights, property, or safety of users or the public.
We do not share your personal information with insurance carriers, marketers, or data brokers without your explicit consent.
5. Data Security
We implement industry-standard security measures to protect your personal information:
- All data is encrypted in transit using TLS/HTTPS
- Authentication uses JSON Web Tokens (JWT) with expiration
- Access to production data is restricted to authorized personnel only
- Regular security reviews of our infrastructure
While we take reasonable precautions, no system is completely secure. We encourage you to use a strong, unique password and to log out when using shared devices.
6. Data Retention
We retain your account data for as long as your account is active or as needed to provide the Service. If you request account deletion, we will remove your personal information within 30 days, except where retention is required by law.
7. Your Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal data we hold about you
- Correction: Ask us to correct inaccurate or incomplete data
- Deletion: Request deletion of your account and personal data
- Portability: Request your data in a portable format
- Opt-out: Unsubscribe from non-essential communications at any time
To exercise any of these rights, please contact us at support@mypolicyaccess.com.
8. Push Notifications
With your permission, we may send push notifications to your device regarding important account updates, renewal reminders, and messages from your advisor. You can disable push notifications at any time through your device settings.
9. Children's Privacy
My Policy Access is intended for users 18 years of age and older. We do not knowingly collect personal information from anyone under 18. If we become aware that a child under 18 has provided us with personal information, we will delete it promptly.
10. Third-Party Links and Services
The Service may display links to external websites or integrate with third-party services (such as insurance carrier portals or benefit websites). We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before providing your information.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of material changes by posting the revised policy in the app and updating the "Last Updated" date above. Continued use of the Service after any changes indicates your acceptance of the updated policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
- Email: support@mypolicyaccess.com
- App: Use the in-app message feature to contact your advisor or support team