Privacy Notice /  HIPAA Compliance Statement
Effective Date: January 1, 2026

At W.C. Lock Insurance, we are committed to protecting your privacy and safeguarding your
personal and health information. This Privacy Notice explains how we collect, use, disclose, and
protect your information, including information protected under the Health Insurance Portability
and Accountability Act of 1996 (HIPAA).

Information We Collect

We may collect personal and sensitive information that you voluntarily provide through our
website or during the course of providing insurance services, including but not limited to:

 

• Name, address, phone number, and email address

• Date of birth and identifying information 

• Health and medical information relevant to insurance coverage

• Insurance policy, application, and enrollment information

• Information submitted through contact forms, appointment scheduling, or email

 

We may also collect limited non-personal technical information such as IP address, browser type,
and pages visited for website analytics and performance improvement.

How We Use Your Information
Your information may be used to:

 

•  Provide insurance quotes, enrollment, servicing, and customer support

• Communicate with you regarding coverage options, updates, or requested services

• Process applications and coordinate with insurance carriers

• Comply with federal and state laws, including HIPAA and insurance regulations 

• Improve our website, services, and customer experience

 

HIPAA Compliance & Protected Health Information (PHI)

When we collect or receive Protected Health Information (PHI), we comply with applicable
HIPAA privacy and security requirements. PHI is used or disclosed only as permitted or
required by law, including for purposes of insurance underwriting, enrollment, billing, and
coordination of benefits. We implement appropriate administrative, physical, and technical safeguards to protect PHI from unauthorized access, use, or disclosure.

Disclosure of Information

We do not sell your personal information. We may share your information only as necessary:

• With insurance carriers, third-party administrators, or service providers to deliver

          requested services

• As permitted or required by HIPAA and other applicable laws

• To comply with legal obligations, court orders, or regulatory requests

 

All third parties are required to maintain the confidentiality and security of your information.
 

Cookies and Website Tracking

Our website may use cookies or similar technologies to enhance functionality and analyze
website traffic. You may disable cookies through your browser settings; however, some features
of the website may not function properly.

Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

• Access your personal or health information

• Request corrections to inaccurate information

• Request restrictions on certain uses or disclosures

• Request confidential communications

Requests may be subject to legal limitations and verification requirements.
 

External Websites

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

Updates to This Notice
We may update this Privacy Notice periodically. Any changes will be posted on this page with a
revised effective date.

Contact Information
If you have questions about this Privacy Notice, HIPAA practices, or your privacy rights, please
contact:

W.C. Lock Consulting LLC
(443) 687-6724
wclockins@gmail.com