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Privacy Policy

I’m serious about your privacy.

I take your right to privacy seriously and want you to feel comfortable using my web site. This Privacy Policy deals with personally identifiable information that may be collected by me on my site.

If you have any questions about this policy, please contact me through my website, www.richardesmith.com

In order to provide our full range of services, we may collect the following types of information:

Information We Collect and How We Use It:

  • Information you provide

When you engage us to provide insurance services, we will ask you for personal information (such as your name and email address). If you decide to request an insurance quote through Richard E Smith, we will also request certain personal information (such as your birth date and account information), which we maintain in encrypted form on secure servers. 

  • Cookies

When you visit our website, we send one or more cookies (a small file containing a string of characters) to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

  • Customer Communications

When you send an email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests, and improve our services.

  •  Other

This Privacy Policy applies to how we handle your information on our website. We do not exercise control over the websites that are displayed in other browser windows opened by links from within our various services. These other sites may place their own cookies or other files on your computer, collect data, or solicit personal information from you.

Richard E Smith only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

  • Providing our insurance services to users
  • Auditing, research, and analysis in order to maintain, protect, and improve our services
  • Ensuring the technical functioning of our network
  • Developing new services

Choices for Personal Information

When you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.

If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, you may “opt-out”—or say no to—having your information shared by calling 239.963.4712 or contacting me through my contact page. I will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices unless I have obtained your prior consent.

If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.

Information Sharing

Richard E Smith only shares personal information with other companies or individuals in the following limited circumstances::

  • I have your consent. I require opt-in consent for the sharing of any sensitive personal information.
  • I have a Good Faith Belief that access, use, preservation, or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property, or safety of Richard E Smith, its users, or the public as required or permitted by law.

If Richard E Smith becomes involved in a merger, acquisition, or any form of sale of some or all of assets, I will provide notice before personal information is transferred and becomes subject to a different privacy policy.

I may share with third parties certain pieces of non-personal information, such as the number of users who searched for a particular term, for example. Such information does not identify you.

Information Security

I take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data. These include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where I store personal data.

I restrict access to personal information to my employees, contractors, and agents who need to know that information in order to operate, develop, or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.

Data Integrity

I process personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. I review my data collection, storage, and processing practices to ensure that I only collect, store, and process the personal information needed to provide or improve my services. I take reasonable steps to ensure that the personal information I process is accurate, complete, and current, but I depend on my users to update or correct their personal information whenever necessary.

Changes to My Privacy Policy

If I make changes to my Privacy Policy, I will post them to this section of this website. If you have any questions about this Policy, please feel free to contact me through my website’s contact page.

The next step is easy, call 239-596-8449

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This website provides information for the reader to choose to request more information about life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance including how to request a quote. By requesting a quote, you agree to our Privacy Policy and our Terms & Conditions. If you submit your personal information, you are making a consumer inquiry for life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance through me as a licensed insurance producer as more fully described below. By proceeding, you give your consent and expectation to be contacted by Richard E Smith and/or associates. Any health or personal information shared is protected by applicable privacy laws and regulations, including HIPAA.

Invitations on richardesmith.com for application for insurance are made through Richard E Smith an independent agent/producer. Richard E Smith is a licensed insurance producer in Florida (License# W568154).

Commercial use by others is prohibited by law. No portion of richardesmith.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization from the owner.

Insurance policies described, quoted, shown, and illustrated throughout this website are not an offer for the sale of any particular insurance policy or product, only an invitation for application for insurance coverage and may not be relied upon. There are many variables in different insurance coverages and companies, including various insurance company standards and offerings, underwriting requirements and may not be available in all states.

We do not sell your personal information to anyone! You will not receive unsolicited, intrusive calls or emails from other agents and companies across the country. If you do provide your telephone number, Richard E Smith and/or his associates may call or text message/SMS you at the phone number(s) above, including your wireless number if provided. Normal charges may apply. This call may be generated using an automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. Your consent to us calling is not required to get a quote or make a purchase and may be revoked at any time. You may simply call us at 239-596-8449.