Privacy | cypresscapitalins

This privacy statement is being provided by Cypress Capital to you, herein may be referred to as "Company", our current or prospective consumer client, to provide you information about our privacy practices, both during and after our direct business relationship with you. This statement applies to your personal information that we may from time to time collect, use and disclose in the course of (1) performing services on your behalf and (2) making available our websites. We take very seriously our privacy responsibilities to you, and we are committed to treating your personal information in a manner that is consistent with applicable law and this statement. Please read this statement carefully.

How Do We Collect Personal Information

From You: We collect personal information and other information that you voluntarily provide when you use our Services, interact with our affiliated Advisors, sign up for newsletters, or communicate with us in other ways.
From Your Devices: When you interact with us online, we automatically collect information from the devices you use to connect to our Services. For details, please see our “Cookies and Similar Technologies” section below.
From Third Parties and Public Sources: We collect personal information from publicly available sources, including social media sites and websites that enable social sharing. We also collect information from our service providers, third-party vendors, affiliates, and other businesses or individuals.
In Person: Information you provide to our Advisors when you meet them in person or virtually.

Information Collection

We collect personal information to perform insurance brokerage or other insurance or financial services. Typically, you provide this information directly through insurance applications or other communications. We also receive personal information from third parties, such as insurance carriers, industry service providers, your employer, or medical providers. Information may be developed over time through direct or indirect interactions, such as website usage tracked by cookies.

We collect the necessary amount and types of personal information to provide our services. This may include information required by insurance carriers or industry service providers, such as:

Personal Identification: Name, Social Security Number, driver’s license, or other government-issued identification.
Financial Information: Assets, income, occupation, employment status, dependent information, and other relevant financial details.
Claim History: Information on any past claims.
Agency Reports: Data from reporting agencies and state or federal government agencies, such as motor vehicle departments.
Medical Information: Information from health care providers and other third parties with whom you or we maintain a relationship.
Account and Payment Details: Account activity, premium payment history, credit card, bank account, or other payment information, typically processed through third-party systems like insurance carriers.
Web Usage Data: Device information, browser details, and web usage data collected through tracking tools such as cookies.

Cookies and Similar Technologies

For more detailed information on the cookies and similar technologies we use, please refer to our dedicated section below.

Data Security

We employ various security measures, including encryption, to protect your personal information. For more information on our data security practices, please visit our Data Security section.

User Rights

Depending on your jurisdiction, you may have the right to access, correct, or delete your personal information. For details on how to exercise these rights, please see our User Rights section.

How We May Use Your Personal Information

We may use the personal information you provide us through our online services for the following purposes:

Provide, Market, and Develop Our Products and Services:
- To deliver our services, maintain our websites and mobile applications, and better understand your interests.
- To offer products and services that may be of interest to you, enhancing your financial planning experience.
Process Transactions and Administer Your Account:
- To process your transactions and requests.
- To manage and maintain your accounts with us.
Employment Applications:
- To process your employment applications, including verifying your application details and conducting background and credit checks.
Communication:
- To respond to your inquiries.
- To send you updates and information about our products and services.
Product Development and Quality Assurance:
- To study, develop, and improve our products and services.
- To aggregate, anonymize, and/or de-identify personal information for product development and improvement activities.
Security and Fraud Prevention:
- To monitor, detect, and prevent fraud and illegal activities.
- To investigate suspected fraud, harassment, or other violations of laws or our policies.
- To enforce our Terms of Use and other agreements.
Identity Verification and Record Accuracy:
- To verify your identity for responding to your requests regarding your personal information.
- To ensure the accuracy of our records.
System Performance and Debugging:
- To secure our online services and network.
- To diagnose problems and ensure proper functionality of our online services.
- To improve the convenience and usability of our online services.
Legal Compliance:
- To comply with our legal and regulatory obligations.
- To defend ourselves in litigation and investigations.
- To prosecute litigation.
Internal Business Purposes:
- For data analysis, audits, and enhancing our services.
- To create profiles based on inferences drawn from your personal information to tailor our services to your preferences.
In Accordance with Consumer Privacy Notices:
- To use your information as indicated in the privacy notices of our back-office affiliated firms.
- To enforce our Terms of Use and other agreements.

User Rights and Data Protection

You have the right to access, correct, or delete your personal information. For more information on your rights and how to exercise them, please see the applicable sections.

How We Disclose Personal Information

We may disclose personal information in the following ways:

Service Providers: We may share personal information with vendors, contractors, business partners, and other third parties who provide services to us. This includes:
- Data storage firms
- Payment processing companies
- Technology suppliers and service providers
- Customer service organizations
- Risk solution providers
- Analysis firms
- Fraud prevention companies
- Advertisers and marketers
Collaborators and Advisors: We may share personal information with collaborators, such as our Advisors, with whom we jointly develop or promote our services.
Government, Regulatory, or Law Enforcement Agencies: We reserve the right to disclose your information to:
- Respond to valid requests from government and judicial authorities.
- Investigate potential fraud.
- Comply with regulatory or legal requirements.
- Protect the safety, rights, or property of ourselves and others.
- Exercise, establish, or defend our legal rights.
At Your Direction: We may disclose your personal information at your direction or with your explicit consent.
Aggregate Data: We may share your personal information in an aggregated or non-identifying form, ensuring it cannot reasonably be used to identify you.
In Connection with a Merger, Acquisition, or Business Transfer: If Cypress Capital sells all or part of its business, undergoes a sale or transfer of assets, or is involved in a reorganization, merger, or similar transaction (including bankruptcy), we may transfer or disclose your personal information to the involved parties.

Compliance and User Rights

We comply with applicable data protection laws, including GDPR and CCPA. You have rights regarding the disclosure of your personal information, such as the right to access, correct, or delete your data. For more information on your rights, please refer to the applicable sections.

Sharing of Information

We generally share your personal information to perform services on your behalf and to provide you with the insurance products and services you expect from us. Our information technology and other support service providers may also have access to your personal information to help us operate our business and deliver our services. We do not sell your personal information to third parties, except in connection with a merger, sale, or other transfer of organizational assets where personal information held by us is among the assets transferred.

We may share your personal information for the following reasons:

To Fulfill or Meet the Reason You Provided the Information:
- To obtain quotations for insurance or other financial services on your behalf.
- To facilitate the performance of related services by other industry service providers.
- To maintain or service your account or insurance.
- To save your information for new quotations or placements.
For Legal Reasons:
- To make required or advisable reports to insurance regulatory bodies, law enforcement, or other authorities.
- To respond to and comply with court orders, applicable laws, and other legal requirements.
- To defend ourselves against claims and to enforce our rights or protect our employees or property.
For Marketing Purposes:
- To offer you our products and services, including through targeted or similar advertising on the internet.
- For joint marketing purposes with third-party product or service providers.
For Our Affiliates' Everyday Business Purposes:
- To process or service transactions.
- To provide or receive shared organizational services.
For Affiliates' or Non-Affiliates' Marketing Purposes:
- To offer you their products and services.
For Other Purposes as Permitted by Law:
- As allowed under applicable laws and regulations.

Other Important Website Information

Links to Third-Party Sites

Our website contains links to third-party sites. If you click on one of those links, you will be taken to websites we do not control. This policy does not apply to the information practices of those sites. Please read the privacy policy of those other websites carefully. We are not responsible for the content or privacy practices of those third-party sites. Links to outside sites do not imply endorsement by us of the linked site or any material displayed on those sites.

Children’s Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this website, including your name, address, telephone number, email address, or any screen or user name you may use. If we learn we have collected personal information from a child under 18 without verification of parental consent, we will use commercially reasonable efforts to delete that information. If you believe we might have information from or about a child under 18, please contact us at the mailing address shown under "Your Right to Review Your Information."

Information Security Practices

We maintain technical and organizational security measures designed to protect your personal information against loss, misuse, unauthorized access, disclosure, or alteration. Despite these measures, the security of information cannot be guaranteed. If you believe your personal information maintained by us is no longer secure, please immediately notify us using the contact information set forth in this statement. In the event of a breach impacting your personal information, we will notify you as required by applicable law.

Updates to This Statement

We may change our privacy practices from time to time. The latest version of this statement will be posted on our website. If there are material changes that we wish to apply retroactively, we will notify you and obtain your consent as required by law. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Your Right to Review Your Information

You may have the right to review your personal information that we can reasonably locate and retrieve, and to request that we correct, amend, or delete any inaccurate information. To make such a request, or if you have any questions about this statement, please contact us in writing at:

Cypress Capital
738 E. Park Ave
Tallahassee, FL 32301

Please include your name, address, telephone number and email address whenever you contact us, including by email. This helps us handle your request correctly.

Advertising and Opt-Out Disclosures

When you use our Services, our third-party advertising partners, social media providers, and analytics providers may collect personal information about your online activity on our Services and on third-party websites. These providers may set web tracking tools, such as cookies and web beacons, to collect information regarding your online activity. Our advertising partners may use this information to deliver personalized advertisements to you when you visit third-party websites within their networks.

If you would like more information about this practice and to know your choices regarding it, please visit the following opt-out pages:

Please note that you may continue to receive generic ads that are not based on your preferences.

Information Security

We use commercially reasonable administrative, technical, personnel, and physical measures designed to safeguard your information against loss, theft, unauthorized use, disclosure, or modification. However, the confidentiality of information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the internet. While we strive to protect your personal information, we cannot guarantee that unauthorized third parties will not gain access to your information. Therefore, when submitting personal information to us, you do so at your own risk.

Cookies and Similar Technology

We and our partners use various tools to collect data when you visit our sites and apps, including cookies, pixels, local storage, and other similar technologies. These technologies may store data in your browser or on your device, or use network-related information to recognize your device (e.g., IP address).

How We Use These Technologies

Data Storage: When you first request a web page, data may be stored on your computer or device so the website or mobile application can access personal information when you make subsequent requests.
Usage Tracking: These technologies collect and store information about your usage of the Services, such as pages visited, content viewed, and search history.
Analytics and Measurement: We use these technologies to collect analytics and measure the use of our Services, helping us understand user interests, track trends, and measure ad effectiveness.

Data Collection and Personalization

We and our partners may collect personal information about your online activities over time and across different websites when you use the Services. This information helps us serve you better by:

Understanding your interests
Tracking trends
Measuring ad effectiveness
Saving your preferences
Storing information for regular retrieval

We allow specific, approved partners to collect data from your browser or device for advertising and measurement purposes using their own tools.

Managing Your Preferences

Your web browser can be set to control these technologies, such as:

Accepting or rejecting cookies
Notifying you each time a cookie is sent to your browser

If your browser is set to reject cookies, some website functionality may be lost. The Help section of your browser can provide instructions on how to manage these settings. To learn more about cookies, visit www.aboutcookies.org.

For more information about Google Analytics, review the site How Google uses data when you use our partners’ sites or apps. To opt out of Google Analytics, go to Google Analytics Opt-Out.

Do Not Track (DNT) Signals

Some browsers allow users to send a “Do Not Track” (DNT) preference to websites. Currently, we do not respond to DNT signals due to the lack of a common standard. However, we respond to global privacy preferences when required by law.

Your Marketing Preferences

We may periodically send you promotional materials or notifications related to our Services. If you no longer wish to receive these materials, you may opt out by:

Following the unsubscribe instructions included in promotional emails.
Following the prompt provided in text messages to unsubscribe.

We will comply with your request promptly. Please note that certain service notifications and other non-promotional emails, such as notifications of changes to our Services or policies, are mandatory and cannot be opted out of.

Suspicious Email

It is our policy not to email you or send you electronic communications to request non-public personal information or account information (such as a username or password). If you receive an unsolicited email or other electronic communication that appears to be from Cypress Capital or one of our affiliated servicing firms, please notify our office immediately by contacting: admin@mycycap.com or by calling 850-583-5377.

Social Media

You can find additional information about our products and services on our social media sites, such as Facebook and LinkedIn. Please note the following when using these platforms:

Public Visibility: Any information you share on social media is visible to all participants. Avoid posting sensitive personal information (e.g., account numbers, tax identification).
Policy Review: Carefully review the Terms of Use and Privacy Policy on these social media sites, as they may differ from our own policies.

Information Security

We employ commercially reasonable administrative, technical, personnel, and physical measures to safeguard your information against loss, theft, unauthorized use, disclosure, or modification. However, please be aware:

Internet Transmission Risks: The confidentiality of information transmitted over the Internet cannot be guaranteed. Exercise caution when transmitting personal information online.
Risk Acknowledgment: We cannot guarantee that unauthorized third parties will not gain access to your information. By submitting personal information to us, you acknowledge that you do so at your own risk.

Notice to Persons Accessing the Cypress Capital Site Outside the United States

If you access Cypress Capital's online services from outside the United States:

Data Transfer: Any information you provide will be transferred out of your jurisdiction and into the United States.
Consent to Transfer: By providing personally identifiable information to us, you explicitly consent to this transfer. If you do not want your information to leave your jurisdiction, please do not provide it to us.

Updating and Correcting Your Personal Information

Keeping your information accurate and up to date is very important. If your personal or account information is incomplete, inaccurate or not current, please contact our office at: admin@mycycap.com or 850-583-5377.

California Residents' Rights

California residents have certain rights with respect to their personal information, as described below. Detailed descriptions of our data collection, usage, and disclosure practices can be found in the “How Do We Collect Personal Information,” “Types of Personal Information We May Collect From You,” “How We May Use Your Personal Information,” and “How We Disclose Personal Information” sections of this Privacy Policy. This section provides specific information for California residents in connection with the California Consumer Privacy Act (“CCPA”). Under the CCPA, and for purposes of this section, “Personal Information” generally means information that identifies, relates to, or describes a particular California resident. More information can be found on the CCPA website: https://www.caprivacy.org/annotated-cpra-text-with-ccpa-changes/.

Your CCPA Rights

Right to Know: California residents have the right to request that we disclose what personal information we collect, use, disclose, and sell.
Right to Delete: California residents have the right to request the deletion of their personal information that we collect or maintain.
Right to Opt-Out: California residents have the right to opt-out of the sale of their personal information.
Right to Non-Discrimination: California residents have the right to not receive discriminatory treatment for exercising their CCPA privacy rights.

To exercise any of these rights, California residents can contact us using the information provided below.

Data Retention

We will retain your Personal Information as reasonably necessary and proportionate to achieve the purpose(s) for which the Personal Information was collected or processed as outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

The duration of our relationship with you.
Legal obligations to retain data.
The necessity to retain data for legitimate business interests.

Purposes of Data Use

We may use your Personal Information for the following purposes, including commercial purposes:

Business Operations: To operate, manage, and maintain our business.
Product and Service Provision: To provide our products and services.
Business Objectives: Including but not limited to:
- Developing, improving, repairing, and maintaining our products and services.
- Personalizing, advertising, and marketing our products and services.
- Conducting research, analytics, and data analysis.
- Maintaining our facilities and infrastructure.
- Quality and safety assurance measures.
- Conducting risk and security controls and monitoring.
- Detecting and preventing fraud.
- Performing identity verification.
- Performing accounting, audit, and other internal functions.
- Complying with the law, legal process, and internal policies.
- Maintaining records.
- Exercising and defending legal claims.

Depending on your interactions with us, we may not have used Personal Information collected about you for each (or any) of these purposes.

Sources of Personal Information

We collect Personal Information directly from California residents themselves, as well as from the following sources:

Social Media Platforms: If you have connected a social media account to our website or apps.
Referrals: Through referral programs.
Partners: Joint marketing, co-branding, co-promotional, or advertising partners.
Advisors: Through interactions with our Advisors.
Other Sources: Demographic and other information, including through devices you used to interact with us through our Services.

Rights and Choices Available to California Residents

If you are a California resident, you may have the following rights with respect to any information about you that constitutes “Personal Information” under California law:

Request to Know and Access Your Personal Information: You may access the information we maintain about you by contacting us through the methods provided below. We will provide you with a copy of your personal information unless exceptions apply under applicable law. Instances where we may decline your request include cases where we cannot verify your identity.
Request to Delete Your Personal Information: You can request the deletion of your personal information by submitting a request through the methods provided below. We may retain certain information as permitted by applicable law, and we will notify you if we cannot fulfill your request.
Request to Opt-Out of "Sale" and Certain Sharing Practices: You have the right to opt-out of the sale or sharing of your personal information. To exercise this right, please contact us at: admin@mycycap.com. We also honor alternative opt-out signals such as the GPC. We process opt-out preference signals promptly.
Request Correction of Inaccurate Personal Information: If you believe that we have inaccurate personal information about you, you have the right to request correction. We may need to verify your identity before processing your request.
Non-Discrimination: We will not discriminate against you if you choose to exercise your privacy rights listed above.
Limit the Use of Sensitive Personal Information: You have the right to limit the use of your sensitive personal information. We may decline your request if we are unable to verify your identity or if exceptions apply.

Authorized Agent

If you are an authorized agent acting on behalf of a California consumer, you must demonstrate that you have the authorization to act on their behalf. Please contact us at the contact information below with supporting verification information and proof of your own identity.

To Exercise Your Rights

In order to exercise your Right to Opt-Out of the Sale or Sharing of your Personal Information, please visit our "Do Not Sell or Share My Personal Information" page.

In order to exercise your Right to Limit the Use of Your Sensitive Personal Information, please complete this page here. Please note that the information in this page is necessary for us to correctly identify you and process your request.

Shine the Light Disclosure

We do not share personal information as defined by California Civil Code § 1798.83 (the “Shine the Light Law”) with third parties, other than our affiliates, for their direct marketing purposes absent your consent. If you are a California resident, you may request information about our compliance with the Shine the Light Law by sending an email to: admin@mycycap.com or by sending a letter to 738 E Park Ave, Tallahassee, FL 32301. Any such request must include “Request for California Privacy Information” in the subject line and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through the email address or mailing address referenced above.

Legal Disclaimer

Cypress Capital provides this website as a service. The materials contained on the website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter.

These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your adviser for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any specific loss, under any policy. Whether coverage exists or does not exist for any specific loss, under any policy, depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. Cypress Capital and its affiliates do not accept any responsibility for any loss which may arise from reliance on information contained on this website.

The information, products, software or service descriptions published on the Site or a linked website may include inaccuracies or typographical errors. The Company disclaims liability for such errors and does not warrant or represent that the content on the Site or a linked website is updated or complete. Cypress Capital has no obligation to update any content on the Site and may change or improve the Site at any time without notice.

Cypress Capital does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than Cypress Capital.

The Company makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption or errors.

In no event will Cypress Capital its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you’ve notified Cypress Capital about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use or Content of the Site or a linked website. This applies whether such claims are brought under any theory of law or equity.

This limitation on liability includes (but is not limited to) transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.