R Law Insurance
The "Law" of Insurance

PRIVACY POLICY Effective Date: Jan 1, 2026 R Law Insurance 4960 Reedy Branch Rd. Ste A Winterville, NC 28590 Phone: 252-301-2012 Email: richardlaw@rlawinsurance.com R Law Insurance (“we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal and health-related information. This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit our website, contact us, or use our services related to health insurance. 1. Information We Collect We may collect the following categories of information: A. Personal Information (PII) •Full name •Address •Phone number •Email address •Date of birth •Social Security number •Driver’s license number •Insurance policy information •Payment information B. Protected Health Information (PHI) When assisting with health insurance coverage, we may collect health-related information necessary to quote, enroll, or service policies. C. Automatically Collected Website Information •IP address •Browser type •Device information •Website usage data via cookies and analytics tools ________________________________________ 2. How We Use Your Information We use information to: •Provide health insurance quotes and enrollment services •Communicate regarding policies and renewals •Respond to inquiries •Send requested SMS updates and reminders •Comply with federal and North Carolina laws •Prevent fraud and protect against unauthorized transactions We do not sell personal information to third parties. 3. Phone Calls and Communications By contacting R Law Insurance or providing your phone number: •You consent to receive phone calls related to insurance services. •Calls may be recorded for quality assurance and compliance purposes. •We do not use automated dialing systems for unsolicited marketing. You may request that we stop calling you at any time. 4. SMS/Text Messaging Policy (A2P 10DLC Compliant) By providing your mobile number and opting in, you agree to receive SMS messages from R Law Insurance related to: •Appointment reminders •Policy updates •Enrollment deadlines •Requested insurance information SMS Disclosure: •Message and data rates may apply. •Message frequency varies. •Text STOP to opt out. •Text HELP for assistance. •Consent is not a condition of purchase. We do not share SMS opt-in data or consent with third parties for marketing purposes. 5. Sharing of Information We may share information only with: •Insurance carriers for underwriting and enrollment •Licensed agents assisting in servicing policies •Government agencies when legally required •Service providers under strict confidentiality agreements We do not sell, rent, or trade your personal information. 6. Data Security We implement administrative, technical, and physical safeguards including: •Encrypted communications where appropriate •Secure document storage •Access controls limiting employee access •Regular system monitoring While no system is 100% secure, we take commercially reasonable steps to protect your data. 7. HIPAA Compliance As a health insurance agency handling Protected Health Information (PHI), R Law Insurance complies with the Health Insurance Portability and Accountability Act (HIPAA). Please see our HIPAA Notice of Privacy Practices below. 8. North Carolina–Specific Privacy Compliance In accordance with North Carolina identity theft and data breach laws (N.C. Gen. Stat. § 75-60 et seq.): •We implement reasonable security procedures to protect personal information. •In the event of a data breach involving unencrypted personal information, affected North Carolina residents will be notified without unreasonable delay. •Notification may also be provided to the North Carolina Attorney General when required by law. 9. Cookies and Website Tracking We may use cookies and analytics tools to improve website functionality. You may disable cookies through your browser settings. 10. Your Rights You have the right to: •Request access to your personal information •Request corrections •Withdraw consent for SMS communications •Request limitations on certain disclosures To exercise these rights, contact us at: richardlaw@rlawinsurance.com 252-301-2012 11. Changes to This Policy We reserve the right to update this Privacy Policy. Updates will be posted with a revised effective date. HIPAA NOTICE OF PRIVACY PRACTICES R Law Insurance Effective Date: January 1, 2026 THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN ACCESS THIS INFORMATION. Our Responsibilities R Law Insurance is required by law to: •Maintain the privacy of Protected Health Information (PHI) •Provide you with this Notice •Notify you in the event of a breach •Follow the duties and privacy practices described herein How We May Use and Disclose PHI We may use or disclose your PHI for: Treatment To assist with coordinating benefits or coverage questions. Payment To obtain premiums, process applications, and verify eligibility. Health Care Operations Administrative and operational purposes related to your insurance coverage. As Required by Law To comply with federal or North Carolina law. Your Rights Under HIPAA You have the right to: •Inspect and obtain copies of your PHI •Request corrections •Request confidential communication. •Request restrictions •Receive an accounting of disclosures •File a complaint without retaliation To file a complaint: U.S. Department of Health & Human Services Office for Civil Rights or contact R Law Insurance directly. WEBSITE PRIVACY SUMMARY (Short Version) R Law Insurance respects your privacy. We collect personal and health-related information only to provide insurance services. We do not sell your data. Information may be shared with insurance carriers as needed for enrollment and servicing. If you opt into SMS: •Message & data rates may apply •Text STOP to opt out •Text HELP for help We protect your information using reasonable security safeguards and comply with HIPAA and North Carolina privacy laws. Contact us at: 252-301-2012 richardlaw@rlawinsurance.com A2P 10DLC SMS REGISTRATION DISCLOSURE (For Carrier Compliance Page) SMS Program Name: R Law Insurance Client Updates Program Description: Clients who opt in will receive SMS messages regarding health insurance enrollment, appointment reminders, policy updates, and coverage deadlines. Opt-In Method: Customers opt in by: •Checking a consent box on our website form, or •Providing written or verbal consent during consultation. Opt-Out: Text STOP to cancel at any time. Help: Text HELP for assistance or call 252-301-2012. Message Frequency: Varies based on client interaction. Fees: Message and data rates may apply. Privacy: We do not sell or share SMS opt-in data for marketing purposes.