M³ Technology Privacy Policy

1. Introduction

M³ Technology prioritizes your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you interact with our websites, mobile applications, and services (collectively, “Services”). By using our Services, you consent to the practices described in this policy.

2. Information We Collect

Information You Provide

We collect personal information that you voluntarily provide when you:

• Request quotes or enroll in voluntary benefits programs
• Contact us for customer support or subscribe to communications
• Participate in surveys, promotions, or events

Examples of information collected include:

• Name, address, email address, telephone number
• Date of birth, Social Security number, government-issued identification
• Financial and payment information
• Employment details and insurance-related data

Information Collected Automatically

We may use cookies, web beacons, pixel tags, and related technologies to collect:

• IP addresses, browser type, operating system
• Website usage information, including page views and interactions
• Geolocation data when enabled by your device

Information from Third Parties

We may supplement our records with information from:

• Employers, unions, brokers, or agents
• Insurance carriers and financial institutions
• Publicly available sources

How We Use Your Information

We use personal information to:

• Provide, administer, and improve insurance products and services
• Process applications, transactions, and claims
• Communicate policy updates, offers, and service information
• Enhance website functionality, security, and user experience
• Meet legal, regulatory, and compliance requirements

We retain personal information only for as long as necessary to fulfill these purposes or to meet legal obligations.

Information Sharing and Disclosure

M³ Technology limits the sharing of personal information to what is necessary to provide our Services, issue policies, manage customer support, or meet regulatory requirements. Information may be shared in the following circumstances:

With Service Providers

We may share information with vendors that assist with operations such as IT services, communications, and payment processing. These partners are required to maintain confidentiality and may use information only to perform contracted services.

With Business Partners

We may share information with insurance carriers, brokers, plan administrators, or agents when needed to process applications, quotes, claims, or service requests.

For Legal Compliance

We may disclose information to governmental authorities or law enforcement when required by law or to protect against fraud or unauthorized transactions.

During Business Transfers

If M³ Technology undergoes a merger, acquisition, reorganization, or asset transfer, personal data may be transferred to the successor entity, which will remain bound by the commitments in this Privacy Policy.

3. We Do Not Sell Your Data

M³ Technology does not sell personal information to any third parties.

4. Health Information

M³ Technology is not classified as a covered entity under HIPAA. However, we maintain internal HIPAA compliance policies and follow them when handling any health-related information provided to us in connection with voluntary benefits enrollment and administration. All such information is safeguarded in accordance with HIPAA standards, applicable state privacy laws, and established industry practices.

5. Communication Consent and Compliance (TCPA and CAN-SPAM)

TCPA Consent

By providing your telephone number, including mobile numbers, you consent to receiving communications from M³ Technology such as:

• Live calls
• Text messages (SMS or MMS)
• Automated or prerecorded calls
• Notifications related to quotes, benefits, service updates, or account information

Your consent is not required to purchase any product or service. You may opt out at any time by replying “STOP” to a text message, calling our office, or emailing your request. Standard message and data rates may apply.

CAN-SPAM Compliance

Marketing emails sent by M³ Technology include:

• Accurate header and subject line information
• Identification when the email is promotional
• A valid physical mailing address
• A working unsubscribe link

You may opt out of marketing emails at any time, and your request will be honored promptly.

6. Your Privacy Choices

You may:

• Opt out of marketing communications
• Adjust browser or device settings to manage cookies
• Request access to, correction of, or deletion of your personal data when permitted by applicable law

Residents of states with specific privacy laws such as California, Virginia, Colorado, Connecticut, or Utah may have additional rights under state law. Requests may require verification.

7. Data Security

M³ Technology uses administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. Although we maintain strong security measures, no system can guarantee absolute protection.

8. Children’s Privacy

Our Services are not intended for individuals under 13 years of age. M³ Technology does not knowingly collect information from minors.

9. California Privacy Rights (CCPA and CPRA)

California residents may request to access or delete their personal information, subject to verification. Requests may be submitted using the contact information below.

10. Changes to This Privacy Policy

M³ Technology may update this Privacy Policy periodically. Updates will be posted with a revised effective date. Continued use of the Services following changes indicates acceptance of the updated policy.

Contact Us

For questions, concerns, or to exercise your privacy rights, please contact: