Privacy Policy

Who We Are

MC Chicago Insurance is an independent insurance agency located at 3945 W Devon Avenue, Chicago, IL. Our website address is: https://mcchicagoinsurance.com. We are committed to protecting your privacy and handling your personal information with care and in compliance with applicable laws, including HIPAA (Health Insurance Portability and Accountability Act), GIPA (Genetic Information Privacy Act), and the Illinois Insurance Data Security Law.

Information We Collect

As an insurance agency, we collect various types of personal information to provide you with insurance quotes, policies, and services. This may include:

• Personal Identifiers: Name, address, phone number, email address, date of birth, Social Security Number, driver's license number.
• Financial Information: Credit history, payment information, bank account details for premium payments.
• Insurance-Related Information: Driving records, claims history, property details, vehicle information, business information.
• Health Information (HIPAA Protected): When applicable for health, life, or disability insurance, we may collect medical history, prescription information, and other protected health information (PHI).
• Genetic Information (GIPA Shield): In compliance with the Illinois Genetic Information Privacy Act (GIPA), we do not request or require genetic testing results. Any family medical history collected is used solely for authorized underwriting purposes permitted by the Illinois Insurance Code and is never shared for non-underwriting marketing purposes.
• Website Usage Data: IP address, browser type, pages visited, and cookies as described below.

HIPAA Compliance Notice

When we handle Protected Health Information (PHI) in connection with health insurance, Medicare supplements, or related products, we comply with the Health Insurance Portability and Accountability Act (HIPAA). Your PHI will only be used and disclosed as permitted by HIPAA regulations, including:

• To process your insurance applications and claims
• To coordinate with healthcare providers and insurance carriers
• As required by law or with your written authorization
• For treatment, payment, and healthcare operations

Consumer Health Data (Non-HIPAA): Information you provide during the quoting process (before a policy is issued) is treated with the same bank-level security as HIPAA-protected data. We do not sell, rent, or trade your pre-application health data to data brokers.

You have the right to request access to your PHI, request amendments, and receive an accounting of disclosures. Contact us at info@mcchicagoinsurance.com for HIPAA-related inquiries.

How We Use Your Information

We use the information we collect to:

• Provide insurance quotes from our carrier partners
• Process insurance applications and policy changes
• Assist with claims filing and advocacy
• Conduct policy reviews and coverage assessments
• Communicate with you about your policies and services
• Comply with legal and regulatory requirements
• Prevent fraud and verify your identity

Who We Share Your Data With

As an independent insurance agency working with 20+ carriers, we may share your information with:

• Insurance Carriers: To obtain quotes and bind coverage on your behalf.
• Third-Party Administrators: For claims processing and policy servicing.
• Credit Reporting Agencies: As permitted for insurance underwriting.
• Regulatory Bodies: As required by state and federal law.
• Service Providers: Who assist with our business operations under confidentiality agreements.

Cookies and Website Tracking

Our website uses cookies to enhance your browsing experience. These include:

• Essential Cookies: Required for website functionality.
• Analytics Cookies: Help us understand how visitors use our site.
• Preference Cookies: Remember your settings and choices.

You can control cookie preferences through your browser settings. Note that disabling cookies may affect website functionality.

Advertising and Analytics

We use various third-party services to help us understand how visitors interact with our website and to deliver relevant advertising.

Analytics Services

We use analytics tools, including Google Analytics, to collect information about website usage. These tools use cookies and similar technologies to gather data such as pages visited, time spent, and geographic location. Google Analytics data is processed in accordance with Google's Privacy Policy. You can opt out by installing the Google Analytics Opt-out Browser Add-on.

Advertising and Remarketing

We may use third-party advertising platforms, including Google Ads and social media advertising services (such as Facebook/Meta, LinkedIn), to display targeted advertisements based on your interests. These platforms may use cookies, pixel tags, and similar technologies to collect information about your browsing activity across websites.

Your Advertising Choices

You can manage your advertising preferences through the following options:

• Google Ads Settings: Visit Google Ads Settings to control personalized advertising.
• Digital Advertising Alliance: Opt out at optout.aboutads.info.
• Browser Settings: Configure your browser to block third-party cookies or enable "Do Not Track" signals.

Social Media Features & Embedded Content

Our website may include social media features (share buttons) and embedded content (videos, maps). Embedded content from other websites behaves in the same way as if you visited those websites directly. These third-party sites may collect data about you, use cookies, and monitor your interaction with the content.

Data Retention

We retain your personal information in accordance with legal requirements and business needs:

• Insurance Records: Retained for the duration of your policy plus the applicable statute of limitations (typically 7-10 years).
• Quote Information: Retained for 3 years for clients who did not purchase a policy.
• Health Information: Retained per HIPAA requirements (minimum 6 years).
• Website Data: Analytics data retained for 26 months.

Your Rights Over Your Data

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your data (subject to legal retention requirements).
• Opt out of marketing communications.

Illinois residents may have additional rights under state privacy laws. To exercise any of these rights, contact us using the information below.

Data Security (IL Act 103-0142)

In compliance with the Illinois Insurance Data Security Law, we implement appropriate technical and organizational measures to protect your personal information, including SSL encryption, secure access controls, and regular security assessments.

Contact Us

For questions about this privacy policy, to exercise your data rights, or to report a privacy concern, please contact us: