Privacy

This privacy statement is being provided by CyCap Insurance, LLC to you, herein may be referred to as "Company", our current or prospective consumer client, to provide you information about our privacy practices, both during and after our direct business relationship with you. This statement applies to your personal information that we may from time to time collect, use and disclose in the course of (1) performing insurance services on your behalf and (2) making available our websites. We take very seriously our privacy responsibilities to you, and we are committed to treating your personal information in a manner that is consistent with applicable law and this statement. Please read this statement carefully.

How Do We Collect Personal Information

From you. We may collect personal information and other information that you voluntarily provide when taking certain actions, such as when you use our Services, interact with our affiliated Advisors, sign up for newsletters, or otherwise communicate with us.
From devices you use when you interact with us online. This includes information collected through our Services and automatically from devices you use to connect to our Services. For more information about this, please see our “Cookies and similar technologies” section below.
From third parties and publicly available sources. This includes personal information we collect from other public sources including, but not limited to, websites that enable social sharing, social media sites, and from our Service Providers, Third Parties, vendors and suppliers, our affiliates, or other individuals and businesses.
From you in person. This includes information you may give one of our Advisors if you meet with them in person or virtually.

Information Collection

We are generally unable to perform insurance brokerage or other insurance or financial industry services on your behalf without collecting, using or disclosing your personal information. Typically, you will provide this required information to us directly within insurance applications or in connection with other communications. Other times, we may receive this and other personal information from third parties, including insurance carriers and other industry service providers, and other third parties with which you maintain a relationship (for example, your employer or financial service or medical or health providers). We may also develop this information over time based on your direct or indirect interactions with us, such as through the use of “cookies” on our websites.

We generally collect the amount and types of personal information that are required for us to perform services on your behalf. This includes information that may be required by an insurance carrier or an industry service provider in the course of providing you with insurance coverage or related services. If you use our websites, we may collect information about your device, browser and other information regarding your web usage using tracking tools described in this policy. This and other information may include:

your name, Social Security Number, driver’s license or other government-issued identification;
assets and income, occupation and employment status, dependent information and other relevant financial information;
information relating to any of your past claims;
information from reporting agencies and state and federal government agencies, such as state motor vehicle departments;
information from other sources, such as medical or health care providers and other third parties with which you or we maintain a relationship;
your account activity and premium payment history;
credit card, bank account or other account information as may be required to facilitate your payment of insurance premium or similar amounts, which payment generally is made through systems maintained by third parties, such as insurance carriers; and
passive tracking information from our website or the Internet, including information obtained through the use of internet “cookies.”

How We May Use Your Personal Information

We may use information you provide us through our online services to:

Provide, market, and develop our products and services. We collect information to provide our services, maintain our websites and mobile applications, and better understand the interests of our clients and investors who use our services and products.
Process transactions and administer your account. We may use your information to process your transactions and requests, and offer our products and services that may be of interest to you, such as for your financial planning.
To process your employment application. We may use your information to process employment applications, including verifying statements made on your application (e.g., credit and employment history), performing background and credit checks.
Communicate with you. We may use your information to respond to your inquiries and send you communications regarding our products and services.
Develop new products and services and quality assurance. We may use personal information to study, develop, and improve our products and services. We may also aggregate, anonymize, and/or de-identify personal information we collect and use it for any purpose, including product development and improvement activities.
Security and fraud prevention. We may use personal information to monitor, detect, and prevent fraud and improper or illegal activity. It may also be used to investigate any suspected fraud, harassment, or other violations of any law, rule, or regulation, the terms, rules or policies of our online services, or the rights of third parties, or to investigate any suspected conduct which we deem improper. We may also use it to enforce our Terms of Use and any other agreements between you and our firm.
Verify your identity and verify our records. We may use personal information to verify your identity for the purposes of responding to a request regarding your personal information that you make. This information may also be used to verify our own records for accuracy.
Debugging and Performance of Systems. We may use your personal information to secure our online services including our network and websites and to debug our online services. We may also use it to diagnose problems and ensure that our online services function properly, make our online services easier and more convenient to use, and otherwise administer our online services.
Comply with law. We may use personal information to comply with our legal and regulatory obligations, to defend ourselves in litigation and investigations, and to prosecute litigation.
Internal business purposes. We may use personal information for our internal business purposes, such as data analysis, audits, and enhancing our Services. We may also use inferences drawn from personal information to create a profile reflecting your preferences so we can tailor our Services to you.
In accordance with our financial services Consumer Privacy Notice and to Enforce Our Terms of Use and Any Other Agreements. We may use your information in the ways indicated in the Privacy notices of our back office affiliated firms and to enforce our Terms of Use and any other agreements.

How We Disclose Personal Information

We may disclose personal information in the following ways:

Service Providers. We may provide personal information to vendors, contractors, business and service partners, or other third parties who provide services to us including data storage firms, payment companies, technology suppliers, technology services, customer service, risk solution providers, analysis firms, fraud prevention companies, advertisers, marketers, and others.
Collaborators and Advisors. We may disclose personal information with collaborators with whom we jointly develop or promote our services, such as our Advisors.
Government, regulatory, or law enforcement agencies. We reserve the right to disclose your information to respond to valid information requests from government authorities and judicial requests, to investigate potential fraud, or where otherwise required by law. We may disclose your personal information where we believe the disclosure is necessary or appropriate to comply with regulatory or legal requirements or to protect the safety, rights, or property of ourselves and others and to exercise, establish, or defend our legal rights.
At your direction. We may disclose your personal information at your direction or with your consent.
Aggregate Data. We may disclose your personal information in an aggregated or non-identifying form or otherwise in a form that cannot reasonably be used to identify you.
In connection with a merger, acquisition, or business transfer. If Cypress Capital sells all or part of its business or makes a sale or transfer of its assets or is otherwise involved in a reorganization, merger, or transfer of all or a material part of its business (including in connection with a bankruptcy or similar proceedings), We may transfer or disclose your information to the party or parties involved in the transaction as part of that transaction.

Sharing of Information

We generally share your personal information to perform services on your behalf and provide you with the insurance products and services you expect from us. Information technology and other support service providers with which we maintain an arrangement may also have access to your personal information to allow us to operate our business and to provide you with our services. We do not sell your personal information to third parties, other than in connection with a merger, sale, or other transfer of organizational assets where personal information held by us about our clients is among the assets transferred.

We may from time to time share your personal information for the following reasons:

to fulfill or meet the reason you provided the information and for our everyday business purposes, such as to obtain quotations for insurance or other insurance or financial industry services on your behalf; to obtain insurance (or similar products) on your behalf or to facilitate the performance of related services by other industry service providers; to maintain or service your account or insurance. We may also save your information to facilitate new quotations or placements.
for legal reasons, such as to make required or advisable reports to insurance regulatory, law enforcement or other similarly situated authorities; to respond to and comply with court orders, applicable law and other legal requirements; and to defend ourselves against claims and to enforce our rights or protect our employees or property.
for our marketing purposes so that we may offer you our products and services, including through the use of targeted or similar advertising on the internet.
for joint marketing purposes so that we and any third-party product or service provider may together offer you products and services.
for our affiliates’ everyday business purposes, such as to process or service transactions or to provide or receive shared organizational services.
for our affiliates’ or non-affiliates’ marketing purposes so that they may offer you their products and services.
for other purposes as may be permitted by law.

To Limit Our Sharing of Information

To limit our sharing of your personal information with affiliates or non-affiliates for marketing purposes (and for any other purpose which applicable law provides you a right to require us to limit our sharing of your personal information), you may at any time submit a request to us by:

Calling us at 850-583-5377.
Emailing us at info@cypress.capital

Other Important Website Information

Our website contains links to third party sites. If you click on one of those links, you will be taken to websites we do not control. This policy does not apply to the information practices of those sites. You should read the privacy policy of those other websites carefully. We are not responsible for those third-party sites. Links to outside sites do not constitute or imply endorsement by us of the linked site or any material displayed on those sites.

Our website is not intended for children under 18 years of age. No one under age 18 may provide any information through our website, and we do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this website or otherwise provide any information about yourself to us, including your name, address, telephone number, email address, or any screen or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will use commercially reasonable efforts to delete that information. If you believe we might have any information from or about a child under 18, please contact us at the mailing address shown beneath the heading “Your Right to Review Your Information”.

Information Security Practices

We maintain technical and organizational security measures reasonably designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. Despite this, the security of information cannot be guaranteed. If you have reason to believe that your personal information maintained by us is no longer secure, please immediately notify us utilizing contact information set forth in this statement. In the event of a breach impacting your personal information, we intend to provide you with notification to the extent required by applicable law.

Updates to Statement

We may, from time to time, change our privacy practices. The latest version of this statement will be posted on our website at the page it has historically appeared. There may be material changes to this statement that we wish to apply retroactively. If so, we will notify you and obtain your consent to the extent required by law. Your continued use of our website following the posting of changes constitutes your acceptance of such changes with respect to your use of our website.

Your Right to Review Your Information

You may have the right to review your personal information that we could reasonably locate and retrieve, and to request that we correct, amend or delete any inaccurate information. To make a related request, or to ask any question concerning this statement, you can write us at:

Cypress Capital
738 E. Park Ave
Tallahassee, FL 32301

Please include your name, address, telephone number and email address whenever you contact us, including by email. This helps us handle your request correctly.

Advertising and Opt-Out Disclosures

When you use our Services, our third-party advertising partners, social media providers and analytics providers may collect personal information about your online activity on our Services and on third party websites.

These providers may set web tracking tools (e.g., cookies and web beacons, as discussed further below) to collect information regarding your online activity. In addition, our advertising partners may use this information to deliver advertisements to you when you visit third party websites within their networks. If you would like more information about this practice and to know your choices with respect to it, please either visit the Digital Advertising Alliance’s opt-out page (currently available at http://www.aboutads.info/choices/) or the Network Advertising Initiative’s opt-out page (currently available at http://www.networkadvertising.org/choices/). Please note that you may continue to receive generic ads that are not based on your preferences.

Information Security

We use commercially reasonable administrative, technical, personnel, and physical measures designed to safeguard information in its possession against loss, theft, unauthorized use, disclosure, or modification. However, the confidentiality of information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the internet. We cannot guarantee that unauthorized third parties will not gain access to your information; therefore, when submitting personal information to us, you do so at your own risk.

Cookies and Similar Technology

We and our partners use various tools to collect data when you visit our sites and apps, including cookies, pixels, local Storage, and other similar technologies. Some of these technologies store data in the browser or on your device. Other technologies may use network-related or other information to recognize your device (e.g., IP address). Our Services use these technologies, for example, when you first request a web page and data is then stored on your computer or other device so the website or mobile application can access personal information when you make subsequent requests for pages from that Service. These technologies may also be used to collect and store information about your usage of the Services, such as pages you have visited, other content you viewed, and search history. Additionally, we may use these technologies to collect analytics and measure the use of our Services.

We and our partners may also use these technologies to gather personal information about how you view and use our Services and content, and to connect your activity with other data we store about you. We and our partners may collect your personally identifiable information about your online activities over time and across different websites when you use the Services. The use of these technologies helps us serve you better by understanding what you are interested in, tracking trends, measuring the effectiveness of ads, saving your preferences, and storing information you may want to retrieve on a regular basis. We also allow specific, approved partners to collect data from your browser or device for advertising and measurement purposes using their own similar tools.

Your web browser can be set to allow you to control these technologies, such as whether you will accept cookies, reject cookies, or to notify you each time a cookie is sent to your browser. If your browser is set to reject cookies, websites that are cookie-enabled will not recognize you when you return to the website, and some website functionality may be lost. The Help section of your browser may tell you how to prevent your browser from accepting these technologies such as cookies. To find out more about cookies, visit www.aboutcookies.org. Depending on the make and model of your phone, you may be able to use device settings to opt out of the use of certain device IDs for targeted advertising. For more information about Google Analytics, please review the site “How Google uses data when you use our partners’ sites or apps,” located at www.google.com/policies/privacy/partners/. To opt out of Google Analytics specifically, please go to https://tools.google.com/dlpage/gaoptout.

Some browsers permit the user to send a “Do Not Track” (“DNT”) preference to websites that the user visits indicating that the user does not wish to be tracked over time and across websites. Because there is not yet a common understanding of how to interpret DNT, we do not currently respond to the DNT signal on our websites. We do, however, respond to global privacy preferences when required by law.

Your Marketing Preferences

We may periodically send promotional materials or notifications related to our Services. If you no longer wish to receive promotional marketing materials from us, you may opt out of receiving such materials. You may unsubscribe from receiving marketing or other commercial emails from us by following the instructions included in the email. You may unsubscribe from text messages you previously consented to by following the prompt provided on our messages. We will work to comply with your request promptly.

There are certain service notifications and other non-promotional emails that you may not opt-out of, such as notifications of changes to our Services or policies.

Suspicious Email

It is our policy not to email you or send you electronic communications to request non-public personal information or account information (such as a username or password). If you receive an unsolicited email or other electronic communication that appears to be from Cypress Capital or one of our affiliated servicing firms, please notify our office immediately by contacting: admin@mycycap.com or by calling 850-583-5377.

Social Media

You may also find additional information on our products and services through our social media sites such as Facebook, LinkedIn, or Twitter. Please keep in mind that any information you share is visible to all participants on these social media sites and you should never post any sensitive personal information (such as account number or tax identification). Please carefully review the Terms of Use and Privacy Policy on these social media sites as they may be different than our own policies.

Information Security

Notice to Persons Accessing the Cypress Capital Site Outside the United States

If you access the Cypress Capital online services outside the United States, any information you provide to us through the Cypress Capital online services will be transferred out of that jurisdiction and into the United States. If you do not want your personally identifiable information to leave that jurisdiction, do not provide the information to us. By providing personally identifiable information to us, you explicitly consent to the transfer of your information to the United States.

Updating and Correcting Your Personal Information

Keeping your information accurate and up to date is very important. If your personal or account information is incomplete, inaccurate or not current, please contact our office at: admin@mycycap.com or 850-583-5377.

California Consumer Privacy Act Notice

California residents have certain rights with respect to their personal information, as described below. We have provided detailed descriptions above in the “How Do We Collect Personal Information,” “Types of Personal Information We May Collect From You” “How We May Use Your Personal Information,” and “How We Disclose Personal Information” sections of this Privacy Policy. This section provides information for California residents in connection with the California Consumer Privacy Act (“CCPA”). Under the CCPA, and for purposes of this Section, “Personal Information” generally means information that identifies, relates to, or describes a particular California resident. More information can be found on the CCPA website: https://www.caprivacy.org/annotated-cpra-text-with-ccpa-changes/.

Data Retention

We will retain your Personal Information from or about you as reasonably necessary and proportionate to achieve the purpose(s) for which the Personal Information was collected or processed as outlined in this Privacy Notice, unless a longer retention period is required or permitted by law.

Purposes

We may use this Personal Information for the following purposes, including commercial purposes:

to operate, manage, and maintain our business;
to provide our products and services;
to accomplish our business purposes and objectives, including:
- developing, improving, repairing, and maintaining our products and services;
- personalizing, advertising, and marketing our products and services;
- conducting research, analytics, and data analysis;
- maintaining our facilities and infrastructure;
- quality and safety assurance measures;
- conducting risk and security controls and monitoring;
- detecting and preventing fraud;
- performing identity verification;
- performing accounting, audit, and other internal functions;
- complying with the law, legal process, and internal policies;
- maintaining records; and
- exercising and defending legal claims.

Depending on your interactions with us, we may not have used Personal Information collected about that resident for each (or any) of these purposes.

Sources of Personal Information

We collect this Personal Information directly from California residents themselves, as well as from social media platforms (e.g., if the individual has connected a social media account to our website or apps); referrals; joint marketing, co-branding, co-promotional, or advertising partners; Advisors; and sources of demographic and other information, including through devices you used to interact with us through our Services.

Rights and Choices Available to California Residents

If you are a California resident, you may have the following rights with respect to any information about you that constitutes “Personal Information” under California law:

Request to Know and Access Your Personal Information: You may access the information we maintain about you using the methods provided below. If we grant your request, we will provide you with a copy of the personal information we maintain about you in the ordinary course of business. This may include what personal information we collect, use, or disclose about you. We may not fulfill some or all of your request to access as permitted by applicable law. Please note that, in some instances, we may decline to honor your request or only honor your request in part, where, for example, we are unable to verify your identity or an exception to this right applies.
Request to Delete Your Personal Information: You may request that we delete your personal information. Depending on the scope of your request, we may refrain from granting your request, as permitted by applicable law. For example, as permitted by applicable law, we may retain your information in our business records. You may submit a deletion request using the methods provided below. Please note that, in some instances, we may decline to honor your request or only honor your request in part, where, for example, we are unable to verify your identity or an exception to this right applies.
Request to Opt-Out of "Sale" and Certain Sharing Practices: You have a right to opt-out of the sale or share of your personal information, as defined by California law. In order for you or your authorized agent to exercise this right, please contact us at: admin@mycycap.com. We also honor alternative opt-out signals, such as the GPC. We process opt-out preference signals in a frictionless manner.
Request Correction of Inaccurate Personal Information: You have a right to request the correction of inaccurate personal information that we may have on file about you. Please note that, in some instances, we may decline to honor your request or only honor your request in part, where, for example, we are unable to verify your identity or an exception to this right applies.
Non-Discrimination: We will not discriminate against you, in terms of price or services that we offer, if you submit one of the requests listed above.
Limit the Use of Sensitive Personal Information. You have a right to limit the use of your sensitive personal information. Please note that, in some instances, we may decline to honor your request or only honor your request in part, where, for example, we are unable to verify your identity or an exception to this right applies.

Authorized Agent

California consumers may use an authorized agent on their behalf to exercise a privacy right discussed above. If you are an authorized agent acting on behalf of a California consumer to communicate with us or to exercise a privacy right discussed above, you must be able to demonstrate that you have the requisite authorization to act on behalf of the resident and have sufficient access to their laptop, desktop, or mobile device to exercise these rights digitally. If you are an authorized agent trying to exercise rights on behalf of a Cypress Capital consumer, please contact us at the contact information below with supporting verification information, proof that you have access to the consumer’s interface, and proof of your own identity.

To Exercise Your Rights

In order to exercise your Right to Opt-Out of the Sale or Sharing of your Personal Information, please visit our "Do Not Sell or Share My Personal Information" page.

In order to exercise your Right to Limit the Use of Your Sensitive Personal Information, please complete this page here. Please note that the information in this page is necessary for us to correctly identify you and process your request.

Shine the Light Disclosure

We do not share personal information as defined by California Civil Code § 1798.83 (the “Shine the Light Law”) with third parties, other than our affiliates, for their direct marketing purposes absent your consent. If you are a California resident, you may request information about our compliance with the Shine the Light Law by sending an email to: admin@mycycap.com or by sending a letter to 738 E Park Ave, Tallahassee, FL 32301. Any such request must include “Request for California Privacy Information” in the subject line and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through the email address or mailing address referenced above.

Legal Disclaimer

CYCAP Insurance, LLC DBA Cypress Capital provides this website as a service. The materials contained on the website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter.

These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your adviser for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any specific loss, under any policy. Whether coverage exists or does not exist for any specific loss, under any policy, depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. CYCAP Insurance, LLC DBA Cypress Capital and its affiliates do not accept any responsibility for any loss which may arise from reliance on information contained on this website.

The information, products, software or service descriptions published on the Site or a linked website may include inaccuracies or typographical errors. The Company disclaims liability for such errors and does not warrant or represent that the content on the Site or a linked website is updated or complete. CYCAP Insurance, LLC has no obligation to update any content on the Site and may change or improve the Site at any time without notice.

CYCAP Insurance, LLC does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than CYCAP Insurance, LLC.

The Company makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption or errors.

In no event will CYCAP Insurance, LLC, its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you’ve notified CYCAP Insurance, LLC about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use or Content of the Site or a linked website. This applies whether such claims are brought under any theory of law or equity.

This limitation on liability includes (but is not limited to) transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of CYCAP Insurance, LLC.

Cypress Capital INSURANCE

(850) 583-5377

info@cypress.capital

738 E. Park Ave
Tallahassee, FL 32301