Privacy Policy

Effective Date: December 19, 2025
Last Updated: December 19, 2025

1. Introduction

Advocate MN (“Advocate MN,” “we,” “our,” or “us”) is committed to protecting the privacy, confidentiality, and security of our clients’ personal information. As a Minnesota-based insurance agency, we comply with applicable federal and state privacy laws, including Minnesota insurance regulations, the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), and, where applicable, the General Data Protection Regulation (GDPR).

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information obtained through our insurance services and website.

2. Information We Collect

We may collect the following categories of information as permitted by law:

a. Personal Information

• Name, mailing address, email address, phone number

• Date of birth

• Government-issued identification numbers (where legally permitted)

b. Insurance Information

• Policy and coverage details

• Claims information and history

• Beneficiary and dependent information

• Underwriting and eligibility data

c. Financial Information

• Payment and billing information

• Banking or account details

• Credit-related information (where permitted by law)

d. Health Information

• Medical or health-related information required for underwriting, policy issuance, or claims administration

• Such information is collected and handled in compliance with HIPAA and applicable state laws

e. Website and Technical Information

• IP address, browser type, device information

• Website usage data collected through cookies or similar technologies

3. How We Use Your Information

We use personal information for legitimate business and legal purposes, including to:

• Provide, administer, and service insurance policies

• Evaluate applications, underwriting, and eligibility

• Process claims and payments

• Communicate with clients regarding policies, services, and support

• Meet legal, regulatory, and contractual obligations

• Detect, prevent, and investigate fraud or unauthorized activity

4. Information Sharing and Disclosure

Advocate MN does not sell personal information.

We may disclose personal information as permitted or required by law, including to:

• Insurance carriers, reinsurers, and underwriters

• Claims administrators, adjusters, and investigators

• Third-party service providers performing functions on our behalf (subject to confidentiality and data protection obligations)

• Regulatory agencies, state insurance departments, or law enforcement authorities when required by law

5. Minnesota Insurance Privacy Compliance

Advocate MN complies with Minnesota insurance privacy laws, including requirements related to:

• Confidential treatment of nonpublic personal information

• Proper notice of privacy practices

• Limitations on disclosure except as permitted by law

Where Minnesota law provides greater privacy protections than federal law, we follow the stricter standard.

6. GLBA (Gramm-Leach-Bliley Act) Notice

In accordance with the GLBA, we maintain safeguards to protect nonpublic personal information. We restrict access to personal information to authorized individuals and entities that need the information to provide insurance services.

7. HIPAA Compliance

When Advocate MN handles protected health information (“PHI”), we comply with HIPAA privacy and security requirements. PHI is used and disclosed only as permitted by law and is protected through administrative, technical, and physical safeguards.

8. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. While we strive to protect your information, no security system is completely foolproof.

9. Data Retention

We retain personal information only as long as necessary to fulfill business purposes, comply with legal and regulatory requirements, and resolve disputes.

10. Cookies and Website Tracking

Our website may use cookies or similar technologies to enhance functionality and analyze traffic. You may control cookie preferences through your browser settings.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

12. Contact Information

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

Advocate MN
1806 Irving Ave N
Minneapolis, MN 55411
Phone: 612-888-6392
Email: advocate@advocatemn.com

GLBA Privacy Notice Summary

Advocate MN respects your privacy and is committed to protecting your nonpublic personal information.

What We Collect:
We collect personal, financial, and insurance-related information necessary to provide insurance products and services.

How We Use Information:
Your information is used to service policies, process claims, communicate with you, and meet legal and regulatory requirements.

How We Share Information:
We do not sell your information. We may share it only with insurance carriers, service providers, or regulators as permitted by law.

How We Protect Information:
We maintain administrative, technical, and physical safeguards to protect your information in accordance with the Gramm-Leach-Bliley Act (GLBA).

Questions?
Advocate MN
📍 1806 Irving Ave N, Minneapolis, MN 55411
📞 612-888-6392
✉️ advocate@advocatemn.com

HIPAA Notice of Privacy Practices

Effective Date: December 19, 2025

This Notice describes how medical information about you may be used and disclosed and how you can access this information.

Our Responsibilities

Advocate MN is required by law to:

• Maintain the privacy and security of your protected health information (PHI)

• Provide you with this Notice of our legal duties and privacy practices

• Follow the terms of this Notice

How We May Use and Disclose PHI

We may use or disclose PHI to:

• Underwrite insurance policies

• Process claims and benefits

• Coordinate with insurance carriers and service providers

• Comply with legal and regulatory obligations

Your Rights

You have the right to:

• Access and obtain a copy of your PHI

• Request corrections to your PHI

• Request restrictions on certain uses or disclosures

• Receive confidential communications

• File a complaint if you believe your privacy rights have been violated

Complaints

You may file a complaint with Advocate MN or the U.S. Department of Health and Human Services without fear of retaliation.

Contact Information

Advocate MN
1806 Irving Ave N
Minneapolis, MN 55411
Phone: 612-888-6392
Email: advocate@advocatemn.com

 

1. Terms of Service

Terms of Service

Effective Date: December 19, 2025
Last Updated: December 19, 2025

1. Acceptance of Terms

By accessing or using the Advocate MN website, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Services Disclaimer

Advocate MN provides insurance-related information and services. Information on this website is for general informational purposes only and does not constitute legal, medical, or financial advice.

Coverage availability, terms, and conditions are subject to carrier underwriting guidelines and applicable laws.

3. User Responsibilities

You agree to:

• Provide accurate and truthful information

• Use the website for lawful purposes only

• Not attempt to gain unauthorized access to systems or data

4. Intellectual Property

All website content, including text, logos, and graphics, is the property of Advocate MN and may not be copied or distributed without prior written consent.

5. Limitation of Liability

Advocate MN is not liable for damages arising from the use or inability to use this website, including errors, interruptions, or inaccuracies.

6. Third-Party Links

This website may contain links to third-party sites. Advocate MN is not responsible for their content or privacy practices.

7. Governing Law

These Terms are governed by the laws of the State of Minnesota.

8. Contact Information

Advocate MN
1806 Irving Ave N
Minneapolis, MN 55411
Phone: 612-888-6392
Email: advocate@advocatemn.com

3. Cookie Banner + Cookie Policy

Cookie Banner

We use cookies
Advocate MN uses cookies to improve website functionality and analyze traffic. By continuing to use this site, you agree to our use of cookies.

Cookie Policy

What Are Cookies?

Cookies are small text files stored on your device that help websites function properly and improve user experience.

Cookies We Use

• Essential Cookies: Required for website functionality

• Analytics Cookies: Help us understand website usage

• Preference Cookies: Remember user settings

Managing Cookies

You may control or disable cookies through your browser settings. Disabling cookies may affect website performance.

Contact

Advocate MN
advocate@advocatemn.com