Privacy Policy

1. Introduction

MedaSynq Technologies ("MedaSynq," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

We handle sensitive personal and health-related information in connection with life insurance policies. We take our responsibility to protect this information seriously and maintain HIPAA compliance for all protected health information (PHI).

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Identity Information: Name, date of birth, Social Security Number (last 4 digits or full), government-issued ID
• Contact Information: Email address, phone number, mailing address
• Financial Information: Payment card information, billing address (processed securely through Stripe)
• Account Information: Username, password, account preferences

2.2 Insurance-Related Information

To provide our services, we collect information about:

• Life insurance policies (carrier, policy number, face value, beneficiaries)
• Claim-related information (death certificates, beneficiary status, claim forms)
• Information about deceased individuals (for claim processing purposes)

2.3 Technical Information

We automatically collect certain technical information:

• IP address and device identifiers
• Browser type and version
• Operating system
• Usage data (pages visited, features used, time spent)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our Services
• Process your subscriptions and payments
• Communicate with insurance carriers on your behalf
• File and track insurance claims
• Send you service updates, notifications, and important information
• Respond to your inquiries and provide customer support
• Comply with legal obligations
• Detect, prevent, and address fraud or security issues
• Analyze usage patterns to improve our Services

4. How We Share Your Information

We may share your information with:

4.1 Insurance Carriers

With your authorization, we share information with insurance carriers as necessary to manage your policies and process claims. This is a core function of our service.

4.2 Service Providers

We use trusted third-party service providers who assist us in operating our Services:

• Stripe: Payment processing (PCI-DSS compliant)
• Amazon Web Services: Cloud hosting and data storage (HIPAA-eligible services)
• SendGrid: Email communications

4.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

We do NOT sell your personal information to third parties.

5. Data Security

We implement comprehensive security measures to protect your information:

• Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Role-based access controls limit who can view sensitive information
• Secure Infrastructure: We use AWS infrastructure with HIPAA-eligible services
• Regular Audits: We conduct regular security assessments and penetration testing
• Employee Training: Our team receives regular privacy and security training

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as:

• Your account remains active
• Necessary to provide our Services to you
• Required by law or regulation
• Needed to resolve disputes or enforce our agreements

For insurance-related records, we may retain information for extended periods as required for claim processing and regulatory compliance (typically 7-10 years after account closure).

7. Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Portability: Request a portable copy of your data
• Opt-Out: Opt out of marketing communications at any time
• Revoke Authorization: Revoke authorization for us to act on your behalf

To exercise these rights, please contact us at support@medasynq.com.

8. California Privacy Rights

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

• Right to know what personal information we collect and how it is used
• Right to delete your personal information
• Right to opt-out of the "sale" of personal information (we do not sell your data)
• Right to non-discrimination for exercising your privacy rights

9. Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience. You can control cookies through your browser settings. Essential cookies required for the Services to function cannot be disabled.

Types of cookies we use:

• Essential: Required for basic functionality (authentication, security)
• Functional: Remember your preferences and settings
• Analytics: Help us understand how you use our Services

10. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. International Users

Our Services are operated in the United States. If you access our Services from outside the U.S., your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our Services after changes constitutes acceptance of the updated policy.

13. Contact Us

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