INSURANCE SOL DEL CARIBE' S
PRIVACY POLICY
Comprehensive Legal Policies
Privacy Policy + Terms & Conditions + HIPAA Notice of Privacy Practices
Last Updated: October 24, 2023
I. PRIVACY POLICY (Complete Version)
This Privacy Policy explains in full detail how SOL DEL CARIBE LLC (“Sol del Caribe”, “we”, “our”, “us”) collects, processes, stores, protects, shares, and uses your personal information. This policy applies when you interact with our website, landing pages, Meta Ads (Facebook or Instagram lead forms), SMS, WhatsApp communications, AI voice agents, phone calls, email communications, or any other services we provide.
By submitting your information or using our services, you agree to the data practices described in this Privacy Policy.
Sol del Caribe Insurance is committed to complying with state and federal laws governing the insurance industry, consumer privacy, telemarketing practices, electronic communications, and—where applicable—HIPAA requirements. Our goal is to ensure your information is secure, confidential, and used only for legitimate business purposes relating to insurance services we provide.
1. DEFINITIONS
To ensure clarity and legal precision, the following terms are defined:
1.1 “Company”
Refers to SOL DEL CARIBE LLC, registered in the State of Florida.
1.2 “You” / “User” / “Client”
Any individual or entity who:
Visits our website
Submits a form through Facebook, Instagram, Google, or any lead platform
Contacts us by phone, WhatsApp, SMS, or email
Interacts with our AI agent
Requests insurance quotes or information
Uses any of our services
1.3 “Personal Information”
Any data identifying or relating to an individual, including but not limited to:
Full name
Email
Phone number
Address
Date of birth
Household size
Estimated income
Insurance preferences
General health indicators used to determine insurance eligibility
Communication records (SMS, WhatsApp, phone calls, AI agent transcripts)
This does not include protected medical records under HIPAA unless voluntarily provided during an insurance inquiry.
1.4 “Lead Information”
Data submitted through:
Facebook Lead Ads
Instagram Lead Forms
Website forms
Landing pages
Call-back request forms
WhatsApp opt-ins
1.5 “Service Providers”
Any vendor, tool, or platform used to deliver our services, including:
Twilio / WhatsApp API
Meta Ads (Facebook, Instagram)
Google Sheets or CRM tools
AI communication tools (voice or chat)
Email automation platforms
Data storage providers
These providers follow industry-standard compliance rules.
1.6 “Usage Data”
Technical data collected automatically, such as:
IP address
Browser data
Device type
Time spent on pages
Click behavior
Advertising interaction history
1.7 “Sensitive Information”
Information relating to:
Health usage
Insurance needs
Prescription preferences
Employer or income details
Immigration status (if relevant for eligibility)
Note: We do not request medical diagnosis, medical treatment history, or protected medical records.
1.8 “States of Operation”
This Privacy Policy applies to clients residing in:
Florida, Texas, Ohio, North Carolina, South Carolina, Illinois, and Virginia.
2. WHAT INFORMATION WE COLLECT
We collect information in the following ways:
2.1 Information You Provide Directly
When you interact with Sol del Caribe Insurance, you may voluntarily submit:
Personal Identifiers
Full legal name
Phone number
Email address
Address or ZIP code
Date of birth (to determine insurance eligibility)
Insurance Screening Information
Required to determine eligibility for:
Marketplace Health Plans
Family plans
Dental, vision, supplemental products
Medicare (if applicable)
This may include:
Estimated annual income
Household size
Employment type
Whether you currently have insurance
Whether you are seeking lower-cost options
Preferred coverage or price range
We only collect what is necessary, never more.
2.2 Information Automatically Collected
When you visit our website or interact with a form or ad, we automatically collect:
IP address
Device type
Browser
Cookies
Pages viewed
Clicks, scrolls, time spent
Source of traffic (e.g., Facebook ad)
This data helps us improve our service and verify the legitimacy of leads.
2.3 Information from Third-Party Lead Providers
When you fill out a lead form through:
Facebook Ads
Instagram Ads
Google Ads
Partner affiliates
We automatically receive:
Full name
Email
Phone number
The specific ad or campaign you interacted with
Your stated insurance interest
The timestamp of your submission
Any custom answers you filled out
You must accept the Privacy Policy or Meta’s terms before submitting your information.
Therefore, your consent is logged and verifiable.
2.4 Communications Data
We store and process:
WhatsApp messages
SMS messages
Phone call recordings (where legally allowed)
AI agent transcripts
Appointment details
Follow-up conversations
All communication is used exclusively for:
Quoting
Customer service
Compliance
Quality assurance
Training and improvement of our AI systems
3. HOW WE USE YOUR INFORMATION
Sol del Caribe Insurance uses your information ONLY for the following purposes:
3.1 To Provide Insurance Services
Generate quotes
Verify eligibility
Enroll you in a health plan
Assist with renewals
Answer questions
3.2 To Contact You
You consent to being contacted through:
Phone calls (live and automated)
WhatsApp messages
SMS messages
Email
AI phone agents
Reminders and renewal notifications
This includes marketing of our own insurance products only.
3.3 Internal Marketing (Not Third-Party)
We may reach out with:
New available plans
Lower-cost options
Subsidy eligibility updates
Special enrollment periods
Renewal deadlines
We never sell or share your data with outside marketers.
3.4 Legal and Compliance
To comply with federal and state insurance laws, including:
Document retention
Identity verification
Fraud prevention
Marketplace regulations
4. CONSENT AND OPT-IN
When you submit your information, you consent to:
Being contacted by Sol del Caribe
Receiving calls, SMS, WhatsApp messages, and emails
AI-assisted communication
Use of your information for quoting and marketing our own products
Storage of your data in secure systems
You may opt out at any time by replying:
“STOP”, “UNSUBSCRIBE”, or “REMOVE”.
5. DATA SHARING – WHEN AND WHY WE SHARE YOUR INFORMATION
Sol del Caribe Insurance does NOT sell, rent, or trade your personal information to third parties.
We only share your data under the following lawful and necessary circumstances:
5.1 Sharing With Licensed Insurance Partners
We may share limited personal information with:
• ACA Marketplace partners
• Licensed insurance carriers
• Licensed agents collaborating on an enrollment
• Government-related eligibility systems (e.g., HealthCare.gov)
Information is only shared when required to:
• Generate an insurance quote
• Validate your eligibility
• Enroll you in a health plan
• Assist with renewals or policy changes
We share ONLY the data needed to perform the service.
5.2 Sharing With Service Providers
We use trusted vendors to operate our business, such as:
• Twilio (phone, SMS, WhatsApp)
• Vapi / AI voice services
• Google Sheets / CRM systems
• Meta (Facebook/Instagram advertising tools)
• Email marketing platforms
• Cloud hosting platforms
• Analytics tools
These providers are contractually obligated to:
• Protect your data
• Prevent unauthorized access
• Use your information ONLY for the services we request
5.3 Legal Requirements and Compliance
We may disclose your information if required to:
• Comply with a subpoena or court order
• Respond to governmental investigations
• Meet state or federal insurance regulations
• Protect against suspected fraud or illegal activity
We never volunteer your data unless legally forced.
5.4 Business Transfers
If Sol del Caribe Insurance is ever involved in:
• A merger
• Business acquisition
• Sale of assets
Your data may be transferred securely to the new entity ONLY under equal or stronger privacy protections.
6. DATA STORAGE AND SECURITY MEASURES
We implement strict, industry-standard protections to keep client information secure.
Your data may be stored in:
• Google Workspace (protected access)
• Secure encrypted databases
• Encrypted CRM systems
• Encrypted server storage
• Password-protected internal devices
We enforce:
6.1 Encryption
All sensitive data stored or transmitted is encrypted using industry-standard protocols.
6.2 Access Controls
Only authorized team members who require access to perform insurance services may view your data.
All staff undergo:
• Privacy training
• Insurance compliance training
• HIPAA-adjacent confidentiality guidelines
6.3 Monitoring and Audit Logs
We maintain internal logs to detect:
• Unauthorized access
• Suspicious activity
• Data alterations
• Security breaches
6.4 Secure Communications
We use secure platforms for:
• Phone calls
• WhatsApp
• SMS
• Email
• AI agent interactions
Client communications are handled responsibly and stored securely.
6.5 No Third-Party Marketing
Your personal information is NEVER shared with third parties for their own marketing or advertising.
This is a core promise of Sol del Caribe Insurance.
7. DATA RETENTION POLICY
We retain your information only for the minimum legal time required and for legitimate business purposes, including:
• Federal recordkeeping requirements
• Insurance audit obligations
• Verification of eligibility
• Protection against fraud
• Ongoing customer service
Retention Timeframes
• General lead information: up to 7 years
• Communications data (WhatsApp/SMS/calls): 1–3 years
• Enrollment records: as required by federal law (typically 7 years)
• Marketplace documents: as required by CMS/ACA regulations
Once data is no longer needed, it is:
• Permanently deleted, or
• Securely anonymized
8. YOUR RIGHTS UNDER THIS PRIVACY POLICY
As a client residing in Florida, Texas, Ohio, North Carolina, South Carolina, Illinois, or Virginia, you have legal rights to your data.
You may request:
8.1 Access
A copy of the personal information we have about you.
8.2 Correction
Fix inaccurate or incomplete information.
8.3 Deletion
Request deletion of your data, unless we are legally required to retain it.
8.4 Restriction
Limit how your data is used for communications or marketing.
8.5 Data Export
Request an electronic copy of your information.
8.6 Marketing Opt-Out
You may opt out of marketing messages at any time by replying:
“STOP”, “UNSUBSCRIBE”, or “REMOVE”.
8.7 Revoking Consent
You may withdraw previously-given consent for:
• SMS
• WhatsApp
• AI agent calls
• Email marketing
We must honor your request promptly.
9. STATE-SPECIFIC COMPLIANCE
We comply with the consumer privacy guidelines and insurance regulations of:
• Florida
• Texas
• Ohio
• North Carolina
• South Carolina
• Illinois
• Virginia
Each state imposes additional responsibilities regarding:
• Data protection
• Record retention
• Consent requirements
• Contact limitations
• Insurance communications
Sol del Caribe Insurance adheres fully to these requirements.
10. YOUR COMMUNICATION CONSENT (MANDATORY SECTION FOR META LEADS)
When you submit your information through Facebook or Instagram, you explicitly agree to:
✔ Being contacted by Sol del Caribe
✔ Receiving insurance-related communications
✔ Use of your information for quoting
✔ Storage of your data in secure systems
✔ AI-assisted communication
✔ Marketing of Sol del Caribe’s own insurance services
This consent is required to proceed with insurance eligibility.
11. OPT-OUT INSTRUCTIONS
To immediately stop communications, you may use any of these commands:
• STOP
• UNSUBSCRIBE
• REMOVE ME
• OPT OUT
This will terminate:
• SMS
• WhatsApp messages
• AI calls
• Marketing emails
(You may still receive legally required notices if you already enrolled in a plan.)
12. COOKIES, TRACKING TECHNOLOGIES & ANALYTICS
Sol del Caribe Insurance uses cookies and similar tracking technologies to improve site functionality, enhance user experience, analyze performance, and ensure the security of our systems.
These technologies may include:
12.1 Cookies
Small data files stored on your device that allow us to:
• Identify your device
• Maintain session information
• Save your preferences
• Improve speed and performance
• Prevent fraudulent traffic
You may disable cookies in your browser settings, but doing so may impact website performance.
12.2 Pixel Tags & Web Beacons
Used in:
• Emails (to confirm open rates)
• Websites (to measure engagement)
• Advertising platforms (to optimize campaigns)
This helps us determine:
• Which ads users interacted with
• Which pages are most useful
• How to improve user experience
12.3 Third-Party Tracking
Platforms like Facebook, Instagram, Google, and TikTok use their own tracking technologies to:
• Attribute conversions
• Measure ad performance
• Prevent duplicate or false leads
• Optimize audience targeting
Sol del Caribe does not control these third-party technologies and is not responsible for their independent privacy policies.
12.4 Analytics Tools
We may use analytics platforms such as:
• Google Analytics
• Meta Business Tools
• CRM analytics
• WhatsApp/Twilio analytics
• Funnel performance dashboards
These tools help us evaluate:
• Lead quality
• Ad effectiveness
• Call performance
• Website usage patterns
All tracking is used exclusively to improve our own services.
13. INTERNATIONAL TRANSFER OF DATA
We operate in the United States; however, certain service providers may process data in other countries.
If your information is transferred outside the U.S., we ensure:
• Secure transmission
• Encrypted storage
• Contractual protections
• Compliance with U.S. privacy expectations
Your data is always safeguarded with industry-standard protections, regardless of location.
14. CHILDREN’S PRIVACY
Sol del Caribe Insurance does not knowingly collect data from minors under 13 years old.
If a child’s information is mistakenly collected:
• We delete it immediately upon detection
• We take steps to block future submissions
Parents or guardians may request deletion or review of information by contacting us directly.
15. LINKS TO EXTERNAL WEBSITES
Our website and messages may contain links to third-party sites, including:
• Insurance carriers
• Government agencies (HealthCare.gov)
• Educational resources
• Partner tools
We do not control the content, security practices, or privacy policies of these external sites.
Users should review the privacy policies of any third-party websites they visit.
16. LEGAL DISCLAIMERS
16.1 No Guarantee of Insurance Approval
Submitting your information does not guarantee:
• Enrollment
• Eligibility
• Subsidy amounts
• Coverage start dates
• Pricing
Eligibility is determined by federal Marketplace rules and insurance carrier guidelines.
16.2 Informational Purposes Only
Any content provided through:
• Our website
• WhatsApp messages
• SMS
• Phone calls
• AI agents
• Emails
…is intended solely for informational and insurance-related purposes.
We do not provide:
• Legal advice
• Tax advice
• Medical advice
Any decisions should be confirmed with licensed professionals.
16.3 Accuracy of Information Provided
Insurance quotes and eligibility determinations depend entirely on your accuracy when submitting data.
If you provide incorrect information (such as income, household size, citizenship/residency status), your eligibility may be affected.
You assume responsibility for:
• The information you provide
• Any consequences resulting from inaccuracies
16.4 System Interruptions
We are not liable for:
• Downtime in Meta Ads
• WhatsApp/Twilio outages
• CRM failures
• Phone carrier issues
• Internet interruptions
• Technical failures in external systems
These events are outside our control.
17. LIMITATION OF LIABILITY
To the fullest extent permitted by law:
• Sol del Caribe Insurance
• Its owners
• Its employees
• Its contractors
• Its AI/voice agents
• Its service providers
…are not liable for:
• Indirect damages
• Incidental damages
• Special damages
• Lost income
• Data loss
• System failures
• Errors caused by external platforms
Our maximum liability is limited to the amount you paid us (if any) for insurance-related assistance.
Since we generally do not charge for enrollment services, liability is effectively zero, unless otherwise required by law.
18. SECURITY BREACH PROCEDURES
In the unlikely event of a data breach:
1. We will immediately investigate.
2. We will notify affected users as required by state law.
3. We will implement additional safeguards.
4. We will cooperate with authorities if necessary.
We follow federal and state breach-notification protocols.
19. CUSTOMER RIGHTS & REQUESTS
As a user of Sol del Caribe Insurance, you have the following rights regarding your personal data.
These rights apply to residents of:
Florida, Texas, Ohio, North Carolina, South Carolina, Illinois y Virginia.
19.1 Right to Access
You may request a copy of all personal information we have stored about you.
We will provide:
• The categories of data collected
• Specific pieces of information
• How it was obtained
• Purposes of processing
• Any parties with whom it was shared
19.2 Right to Correction
If any personal information is incorrect or outdated, you may request:
• Correction
• Updating
• Completion
We must update the information promptly.
19.3 Right to Deletion
You may request deletion of your data unless:
• It is required for legal compliance
• It is needed for insurance purposes
• We must retain it under federal health/ACA guidelines
• It is associated with an active or pending insurance policy
If deletion cannot be performed for legal reasons, we will inform you in writing.
19.4 Right to Restrict Processing
You may request that:
• We stop contacting you
• We stop using your data for marketing
• We restrict use to service-only functions
This does not affect communications required for an active policy.
19.5 Right to Opt-Out of Marketing
At any time, you may opt out by replying:
• STOP
• UNSUBSCRIBE
• REMOVE ME
• OPT OUT
We will immediately remove you from marketing communications.
19.6 Right to Data Portability
You may request your information in:
• PDF
• CSV
• JSON
• Other compatible formats
This is commonly used when transferring between agencies.
19.7 Right to Withdraw Consent
You may revoke consent for:
• Calls
• SMS
• WhatsApp messages
• AI voice calls
• Email marketing
Consent withdrawal is effective immediately.
20. CONTACT PREFERENCES
You may designate your preferred method of communication:
• Phone calls
• WhatsApp messages
• SMS
• Email only
• No marketing messages
• Service-only messages
We honor all preferences provided.
21. JURISDICTION AND GOVERNING LAW
This agreement is governed by the laws of:
• Florida (primary jurisdiction)
• AND the state in which the client resides
(Texas, Ohio, North Carolina, South Carolina, Illinois, or Virginia)
Any disputes must be handled:
• In the appropriate state court
• Or through arbitration if both parties agree
We aim to resolve issues informally whenever possible.
TERMS & CONDITIONS (Complete Version)
This section outlines the terms governing your use of:
• Our website
• Our communication channels
• Our services
• Our AI systems
• Our advertising touchpoints
By submitting your information or communicating with us, you accept these terms.
22. ACCEPTANCE OF TERMS
By interacting with Sol del Caribe Insurance, you confirm that:
• You are providing accurate information
• You are at least 18 years old
• You consent to be contacted
• You accept this Privacy Policy and Terms
• You understand we provide insurance assistance ONLY
• You agree to lawful use of our services
Your acceptance is logged through:
• Digital form submissions
• Facebook/Instagram lead forms
• SMS replies
• WhatsApp opt-ins
• Calls with our agents or AI voice systems
23. USE OF SERVICES
You agree to use Sol del Caribe’s services solely for lawful insurance-related purposes, including:
• Quote requests
• Eligibility verification
• Enrollment assistance
• Customer support
• Plan renewals
• Information requests
You may NOT use our services for:
• Fraud
• False lead submissions
• Harassment
• Scraping content
• Reverse engineering AI systems
• Misleading information
• Unauthorized marketing
Violations may result in termination of service.
24. ACCURACY OF INFORMATION PROVIDED
You are responsible for ensuring that the information you provide is accurate.
This includes:
• Income estimates
• Household size
• Residency status
• Contact information
• Eligibility information
Providing false or incomplete information may result in:
• Eligibility errors
• Incorrect quotes
• Policy denial
• Government penalties (in the case of ACA fraud)
25. CONSENT TO BE CONTACTED
By submitting your information through ANY Sol del Caribe Insurance channel, you consent to receive:
• Phone calls
• SMS messages
• WhatsApp messages
• Emails
• AI automated calls
• Renewals, alerts, reminders
• Required regulatory communications
Consent applies even if your number is registered on:
• National Do Not Call Registry
• State do-not-call lists
Insurance-related communications are legally permitted unless you opt out.
26. AI AGENT DISCLOSURE
Sol del Caribe Insurance uses AI voice systems ONLY for:
• Greeting new leads
• Asking pre-qualification questions
• Collecting basic information
• Setting appointments
• Verifying preferences
The AI does NOT:
• Make eligibility decisions
• Submit insurance applications
• Store sensitive medical records
• Provide legal, tax, or medical advice
All final actions are handled by licensed or authorized personnel.
27. USER RESPONSIBILITIES
You agree NOT to:
• Abuse our communication systems
• Submit fraudulent lead information
• Use false names, false numbers, or burner phones
• Attempt to disrupt our systems
• Upload malicious content
• Harass agents or AI systems
• Misrepresent your identity or eligibility
Failure to comply may result in:
• Denial of service
• Reporting to carriers
• Investigation for potential fraud
28. SERVICE LIMITATIONS
Sol del Caribe is NOT responsible for:
• Third-party outages (Meta, WhatsApp, Twilio, Google, etc.)
• Delays caused by Marketplace systems
• Carrier network interruptions
• Ad delivery fluctuations
• Phone carrier blocks
• Technical errors outside our control
We strive to provide consistency but cannot guarantee system uptime.
29. HIPAA NOTICE OF PRIVACY PRACTICES
(Applicable to health-related information collected strictly for insurance eligibility, not medical treatment)
Sol del Caribe Insurance may collect limited health-related information strictly for purposes allowed by the Affordable Care Act (ACA) and insurance eligibility screening.
We are not a healthcare provider, but we voluntarily follow HIPAA-aligned privacy practices to protect sensitive consumer information.
30. WHAT TYPE OF HEALTH INFORMATION WE COLLECT
We do NOT collect:
❌ Medical diagnoses
❌ Medical histories
❌ Treatment notes
❌ Lab results
❌ Provider records
We ONLY collect non-medical eligibility questions, such as:
✔ Whether you use prescriptions (yes/no)
✔ Whether you currently have insurance
✔ Whether you need a doctor preference
✔ Whether you qualify for subsidies
✔ Disabilities relevant to Marketplace eligibility
✔ Household medical usage (general, not medical charts)
✔ Preferred benefits (dental, vision, etc.)
This information is not considered PHI unless combined with identifiable medical data.
However, we protect it as if it were PHI.
31. HOW WE MAY USE HEALTH-RELATED INFORMATION
We use limited health information ONLY for:
✔ Determining ACA/Marketplace eligibility
• Household income
• Household size
• State of residence
• Immigration status (if applicable)
• General health usage categories
✔ Generating insurance quotes
✔ Helping you enroll in a health plan
✔ Matching you with a compatible insurance carrier
✔ Renewing or updating your current plan
✔ Providing customer service and reminders
✔ Documenting required information for federal regulations
We do NOT use your health information for:
❌ Selling to third parties
❌ Advertising unrelated services
❌ Sharing with medical providers
❌ Creating marketing profiles
32. DISCLOSURE OF HEALTH INFORMATION
We may share limited and necessary health-related information ONLY with:
32.1 Health Insurance Marketplace (Healthcare.gov)
When required to determine eligibility.
32.2 Licensed Insurance Carriers
Only to complete quotes or enrollments.
32.3 Licensed Agents or Agencies
Only if working directly with your case.
32.4 Legal Authorities
Only if required by law, subpoena, fraud investigation, or regulatory audit.
32.5 The Client (You)
You may request your own information at any time.
33. WHEN WE DO NOT DISCLOSE HEALTH INFORMATION
We will NOT disclose health-related information to:
❌ Friends or family without written consent
❌ Employers
❌ Marketers
❌ Third-party advertisers
❌ Medical institutions
❌ Social media platforms
❌ Data brokers or lead sellers
We NEVER sell or misuse health-related information.
34. HIPAA-ALIGNED SECURITY SAFEGUARDS
Even though we are not a hospital or clinic, we uphold HIPAA-level protections.
✔ Administrative Safeguards
• Employee privacy training
• Access-level restrictions
• Confidentiality agreements
• Fraud-prevention protocols
✔ Physical Safeguards
• Secure digital storage
• No printed PHI unless necessary
• Password-locked access
✔ Technical Safeguards
• Encryption in transit and at rest
• Secure communications platforms
• Internal audit logs
• Role-based access controls
• Two-factor authentication for administrators
All systems containing personal or health-related data comply with strict security measures.
35. YOUR RIGHTS UNDER HIPAA-STYLE PROTECTIONS
You have the right to request:
35.1 Inspection and Copies
You may obtain a copy of any non-medical health information we collected.
35.2 Amendment
If information is incorrect, incomplete, or outdated, you may request correction.
35.3 Restrictions
You may limit the ways in which we use your eligibility-related information.
35.4 Confidential Communications
You may request communication through a specific method or channel.
35.5 Disclosure Log
You may request a list of authorized disclosures made by Sol del Caribe.
35.6 Complaints Without Retaliation
You may submit a complaint internally; we will not retaliate or deny services.
36. HOW TO FILE A PRIVACY OR HIPAA COMPLAINT
You may file a complaint if you believe your information was mishandled:
Sol del Caribe Insurance – Privacy Office
📧 Email: info@insurancesoldelcaribe.com
📞 Phone: (305) 221-7100
🌐 Website: www.insurancesoldelcaribe.com
If necessary, you may file externally with:
U.S. Department of Health and Human Services (HHS) (for HIPAA issues).
We will address and investigate complaints promptly.
37. BREACH NOTIFICATION POLICY
If a security breach ever occurs that may compromise your personal or health-related information:
1. We will immediately investigate.
2. We will notify affected clients as required by state law.
3. We will document details with regulatory bodies if required.
4. We will take corrective actions to prevent recurrence.
Sol del Caribe follows all breach notification rules required by the states we operate in.
38. NO MEDICAL ADVICE DISCLAIMER
Sol del Caribe Insurance does NOT provide:
• Medical advice
• Diagnosis
• Treatment recommendations
• Professional medical care
Any reference to health is strictly for insurance eligibility purposes.
39. CONSUMER RESPONSIBILITY
You agree to provide truthful information during the quote and enrollment process.
Submitting fraudulent data may result in:
• Incorrect eligibility
• Plan cancellation
• Marketplace penalties
• Legal consequences
We reserve the right to refuse service in cases of fraud.
40. MODIFICATIONS TO THIS NOTICE
Sol del Caribe may update this Privacy Policy, Terms & Conditions, or HIPAA Notice.
We will notify customers through:
• Email
• Website updates
• In-system notifications
The "Last Updated" date will always reflect the latest revision.
41. EFFECTIVE DATE
This comprehensive Privacy Policy, Terms & Conditions, and HIPAA Notice of Privacy Practices is effective as of:
October 24, 2023
It replaces and supersedes any previous version, written or implied.
By continuing to use Sol del Caribe Insurance’s services after this date, you acknowledge and accept these policies.
42. ENTIRE AGREEMENT CLAUSE
This document constitutes the entire agreement between:
Sol del Caribe LLC
and
You (the client/user)
regarding:
• Privacy practices
• Data protection
• Insurance communications
• Use of services
• AI and digital tools
• HIPAA-aligned health information practices
No verbal statements, external emails, or other materials override or modify these terms unless explicitly issued in writing by Sol del Caribe.
43. SEVERABILITY CLAUSE
If any section of this document is found to be:
• Invalid
• Unenforceable
• Outdated due to legal changes
• Conflicting with state or federal law
…then only that section will be removed or modified.
All remaining sections will continue in full legal effect.
44. NON-DISCRIMINATION POLICY
Sol del Caribe Insurance does not discriminate on the basis of:
• Age
• Gender
• Race
• Sexual orientation
• Religion
• Disability
• Nationality
• Immigration status (as allowed by ACA laws)
• Economic background
• Health conditions
• Marital status
All customers are treated with respect, dignity, and confidentiality.
45. ACKNOWLEDGMENT OF RECEIPT
By submitting your information through:
• Facebook Lead Ads
• Instagram Ads
• Our website
• Landing pages
• WhatsApp
• SMS
• Email
• Phone call
• AI voice agent
• Referral forms
…you acknowledge that:
1. You have reviewed or had the opportunity to review this Privacy Policy.
2. You agree to the Terms & Conditions.
3. You consent to our data practices and communications.
4. You authorize Sol del Caribe to contact you through phone, SMS, WhatsApp, and email.
5. You understand that our communications may involve AI-assisted tools.
6. You accept the HIPAA-style protections and disclosures provided.
7. You agree to the lawful use of your information for insurance purposes.
This acknowledgment is automatically logged and timestamped through digital submission records.
46. ELECTRONIC SIGNATURE CONSENT
By interacting with Sol del Caribe Insurance through any digital channel, you provide your electronic signature, which has the same legal validity as a handwritten signature.
Your consent applies to:
• Communications
• Data processing
• Eligibility verification
• Enrollment assistance
• Document delivery
• Notices and disclosures
This complies with:
• The U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN)
• The Uniform Electronic Transactions Act (UETA)
• Florida and applicable state laws
47. HOW TO CONTACT US
For questions, concerns, or requests regarding this policy, you may contact us at:
Sol del Caribe Insurance
📧 Email: info@insurancesoldelcaribe.com
📞 Phone: (305) 221-7100
🌐 Website: www.insurancesoldelcaribe.com
📍 Address: 14707 SW 42 Street, Miami, FL 33185
We respond to all privacy-related inquiries promptly.
48. FINAL STATEMENT
Sol del Caribe Insurance is committed to:
• Protecting your data
• Ensuring transparency
• Providing ethical insurance services
• Following strict privacy and security standards
• Using your information responsibly
• Honoring your communication preferences
• Maintaining compliance with state and federal laws
Thank you for trusting Sol del Caribe Insurance with your information.
We take your privacy seriously.