Privacy & website terms

Updated September 20, 2026 · Notice version 2026-09-20-v11

Who operates this website

Haddad Insurance Group operates this independent agency website. It is not an insurance company or a Physicians Mutual-operated website. Contact 813-440-7922 or info@haddadinsurancegroup.com for questions, privacy requests, or help using this website.

What you can do here

The website provides agency contact information, general carrier information, and access to existing agency records. New insurance applications, application-draft saves, and payment-detail submissions are disabled. Physicians Mutual dental applications must use its paper application or its own electronic application process. Contact the agency for assistance with that process.

Do not send card or bank-account numbers, security codes, Social Security numbers, medical records, or passwords through ordinary email or text. This website does not provide fields for collecting new application or payment information.

Accounts and existing records

Account registration collects your name, email, and password. Passwords and recovery keys are stored as hashes. A necessary secure session cookie keeps you signed in. Registration does not verify ownership of an email address. Do not share an account. Existing requests are associated with the submitting account, not automatically with matching email addresses.

Previously saved drafts remain available to download or delete from your account. Historical request records may contain names, dates of birth, contact and household details, coverage selections, billing preferences, and acknowledgments previously submitted to the agency. Downloading a draft or receipt creates a file on your device; keep it private. These records are not proof of an application accepted by the carrier, payment, or active coverage.

Recipients and service providers

Haddad Insurance Group uses existing records to respond to requests and coordinate with the insurer. Information needed for processing may be shared with that insurer. Hosting and storage providers (OpenAI Sites and Cloudflare) process website data. Resend processes your email address and reset message if you request an email password reset. The optional existing-account sign-in uses ChatGPT authentication. The site does not include advertising trackers or a feature that sells application information.

Communications

Contacting the agency does not give permission for automated marketing calls, marketing texts, or unrelated marketing. You can ask the agency to stop optional follow-up. Password-reset emails are account-service messages. Historical receipts remain available in your account; they do not establish that an insurer received or accepted the underlying request.

Records, safeguards, and retention

The service uses HTTPS, access restrictions, and necessary security logs. Historical requests include submitted details, acknowledgment wording and version, any typed name or signature drawing, request reference, time received, and a content fingerprint. Rate limiting uses a hashed network-address value. No internet service can promise absolute security.

Saved drafts remain until deleted. Requests, acknowledgments, and account records have no automatic deletion schedule in this version. Contact the agency to request access, correction, or deletion, subject to applicable retention duties and identity verification. This notice does not promise immediate deletion of all records. Hosting backups follow the providers’ retention rules.

Previously submitted payment information

New billing details and card security codes cannot be submitted through this website. Previously received billing information was encrypted in the browser and stored separately from agency requests. The agency’s existing key is needed to open those records. Full card and bank numbers are excluded from drafts, receipts, email, and text messages.

Existing encrypted billing records remain accessible to the agency for up to seven days, subject to the existing expiry and inbox-cleanup process. Any previously received encrypted card security-code record expires within 24 hours and requires its existing local decryption key. The website no longer registers receiving keys or accepts new code submissions. Provider backups may retain encrypted records under their own retention rules. Existing billing acknowledgments remain linked to historical requests. These descriptions are not a certification of security or PCI compliance.

Website terms and electronic records

This site does not issue insurance, take payment, bind coverage, or replace the insurer’s application, policy, rider, or payment authorization. A requested effective date in an old agency record is not confirmed coverage. Neither creating an account nor contacting the agency submits a carrier application.

Existing electronic acknowledgments record the choices made at the time of submission; they do not authorize a new application through this website. You may request a paper copy of your agency records, update contact details, or withdraw consent for future electronic delivery by contacting the agency. Withdrawal does not undo an already signed record. Contact us if you need an accessible format or help using the website.