Privacy Policy

Effective Date: December 18, 2025

Introduction

The FERS Pro (Burmeister Insurance) ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our insurance advisory services.

Contact Information:
The FERS Pro (Burmeister Insurance)
33 Center Street
Homer City, PA 15748

Information We Collect

Personal Information

We may collect the following types of personal information:

• Identity Information: Name, date of birth, Social Security number, driver's license number
• Contact Information: Mailing address, email address, telephone number
• Financial Information: Income, assets, investment history, tax information, bank account details
• Health Information: Medical history, health conditions, prescription information (when relevant to insurance products)
• Employment Information: Employer name, occupation, work history, federal employment details
• Beneficiary Information: Names and contact details of designated beneficiaries
• Policy Information: Insurance policy details, coverage amounts, claims history

Information Collected Automatically

When you visit our website or use our digital services, we may automatically collect:

• Browser type and version
• IP address
• Device information
• Usage data and analytics
• Cookies and similar tracking technologies

How We Use Your Information

We use your personal information for the following purposes:

• Insurance Services: To provide insurance advisory services, evaluate coverage options, and process applications
• Policy Management: To manage your insurance policies, process claims, and handle renewals
• Communication: To contact you regarding your policies, services, and important updates
• Compliance: To comply with legal and regulatory requirements, including anti-money laundering and fraud prevention
• Business Operations: To improve our services, conduct research, and maintain our business records
• Marketing: To inform you about products and services that may interest you (with your consent where required)

How We Share Your Information

We may share your information with:

Service Providers and Business Partners

• Insurance carriers and underwriters
• Third-party administrators
• Technology service providers
• Professional advisors (attorneys, accountants, auditors)
• Marketing and analytics providers

Legal and Regulatory Requirements

We may disclose your information when required by law, including:

• Compliance with court orders, subpoenas, or legal processes
• Cooperation with law enforcement and regulatory agencies
• Protection of our legal rights and prevention of fraud
• Emergency situations involving health or safety

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.

Your Rights and Choices

Access and Correction

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You have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Receive a copy of your information in a portable format

Opt-Out Rights

You may opt out of:

• Marketing communications (while still receiving important policy-related notices)
• Certain information sharing with third parties for marketing purposes
• Non-essential cookies through your browser settings

Do Not Call Registry

If you are registered on the National Do Not Call Registry, we will not contact you for marketing purposes unless you have provided express consent or we have an established business relationship with you.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information, including:

• Secure encrypted connections for data transmission
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on privacy and security practices
• Secure storage and disposal of physical records

However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce our agreements
• Meet insurance industry record-keeping requirements

Generally, we retain client information for a minimum of seven years after the termination of our relationship, or as required by applicable law.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information we collect, use, and disclose
• Right to request deletion of your personal information
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

Health Information Privacy

For health-related insurance products, we comply with the Health Insurance Portability and Accountability Act (HIPAA) and its implementing regulations. Protected Health Information (PHI) is subject to additional safeguards and use restrictions as required by HIPAA.

Financial Privacy

We comply with the Gramm-Leach-Bliley Act (GLBA) and Regulation P, which require financial institutions to protect the confidentiality of customer financial information. We provide annual privacy notices as required by law.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information.

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

We encourage you to review their privacy policies before providing any personal information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website with a new effective date
• Sending notice via email or mail (for significant changes)
• Providing notice through our services

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

How to Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

The FERS Pro (Burmeister Insurance)
33 Center Street
Homer City, PA 15748

To exercise your privacy rights or file a complaint, please submit a written request to the address above. We will respond to your request within a reasonable timeframe as required by applicable law.

Complaints

If you believe we have not complied with this Privacy Policy or applicable privacy laws, you may file a complaint with:

• Our office at the address above
• Your state insurance department
• Federal Trade Commission (FTC): www.ftc.gov/complaint
• Department of Health and Human Services (for HIPAA matters): www.hhs.gov/hipaa/filing-a-complaint

© 2025 The FERS Pro (Burmeister Insurance). All rights reserved.

• Last Updated: December 18, 2025

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