Privacy Policy
IMPORTANT NOTICE:
ptc.guru is not connected with or endorsed by the U.S. government, CMS, or any federal program.
1. Information We Collect
ptc.guru collects information provided by insurance agents and their clients through our Permission to Contact (PTC) forms. This includes:
- Client personal information (name, contact details, date of birth)
- Agent information (name, NPN, contact details)
- IP addresses and timestamps for form submissions
- E-signatures and consent confirmations
2. How We Use Information
We use the collected information solely for the following purposes:
- Creating and storing PTC forms as requested by agents
- Generating PDF documents for record-keeping
- Providing audit trails for compliance purposes
- Processing payments for our services
- Improving our service and addressing technical issues
3. Cookies and Tracking
We use essential cookies for session security and anonymous analytics. No advertising cookies are used. These cookies help us understand how visitors interact with our website, allowing us to improve our service and user experience.
4. Data Retention
We retain PTC forms and associated data for 10 years from the date of submission to comply with industry regulations and to provide agents with access to historical records. After this period, data is securely deleted.
5. Data Security
We implement robust security measures to protect your data, including:
- Encryption of data in transit and at rest
- Secure, redundant storage systems
- Regular security audits and updates
- Document hashing to verify integrity
- Access controls and authentication
6. Information Sharing
We do not sell, trade, or otherwise transfer client information to third parties. Information is only shared with:
- The agent who created the PTC form
- Service providers necessary for our operations (e.g., cloud storage, payment processing)
- Legal authorities when required by law
7. Your Rights
Depending on your jurisdiction, you may have rights regarding your personal information, including:
- Access to your personal information
- Correction of inaccurate information
- Deletion of your information (subject to our retention requirements)
- Objection to certain processing activities
- Data portability
8. GDPR and CCPA Compliance
For users protected by the General Data Protection Regulation (GDPR) or the California Consumer Privacy Act (CCPA), we provide additional rights and protections. You may request access to, correction of, or deletion of your personal information, subject to legal retention requirements. To exercise these rights, please contact us at privacy@ptc.guru.
California residents have the right to opt out of the sale of their personal information, though we do not sell personal information as defined by the CCPA.
9. Changes to This Policy
We may update this privacy policy periodically. We will notify users of significant changes via email or through our service. Continued use of ptc.guru after changes constitutes acceptance of the new policy.
10. Contact Us
If you have questions about this privacy policy or our data practices, please contact us at privacy@ptc.guru.
Last updated: May 8, 2025