Effective Date: September 2025

Sistema IBC/Active Capital (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through this Privacy Policy. This policy outlines how we collect, use, and safeguard your personal information when you visit our website www.sistemaibc.com, interact with our services, or communicate with us.

By using our website or services, you consent to the data practices described in this policy. If you do not agree with any terms in this Privacy Policy, please do not access or use the site.

1. Information We Collect

We collect both Personally Identifiable Information (PII) and Aggregate Information.

Personally Identifiable Information: This includes data that identifies you as an individual, such as:

Full name

Email address

Phone number

Mailing address

Date of birth

Insurance or healthcare information

Other data voluntarily provided via forms, email, or consultation

We collect this information when you:

Request a quote or consultation

Submit a contact form

Schedule an appointment

Enroll in services

Communicate with us via email, phone, or other channels

Aggregate Information: We may automatically collect non-personal data such as:

IP address

Browser type

Referring/exit pages

Device type

Pages visited and time spent

Cookies (explained below)

This data is collected to understand how visitors use our website and improve our services.

2. How We Use Your Information

We use your information to:

Provide and manage insurance and enrollment services

Respond to inquiries and requests

Personalize your experience

Improve our website functionality

Comply with legal and regulatory requirements

Communicate with you about services or updates

Process transactions, if applicable

We may use anonymized aggregate data for analytical purposes.

3. Cookies

We may use cookies, small data files stored on your device, to:

Improve website performance

Understand usage patterns

Remember your preferences

You can adjust your browser settings to refuse cookies or alert you when they are being sent. Disabling cookies may impact your user experience.

4. Sharing Your Information

We do not sell, rent, or trade your PII to third parties. However, we may share your information with:

Licensed insurance carriers or partners to fulfill your enrollment or service requests

Trusted third-party service providers who support our business operations (e.g., IT, scheduling, or marketing)

Legal authorities, if required to comply with law, regulation, or valid legal process

Each third party is expected to uphold privacy practices aligned with ours, but we are not responsible for their actions.

5. Data Security

We take reasonable technical and organizational measures to protect your information, including:

Secure servers and data encryption

Restricted access to authorized personnel only

Use of reputable third-party platforms for forms and scheduling

However, no system can be 100% secure. We encourage you to take steps to protect your own information, such as using strong passwords and securing your devices.

6. Your Choices and Rights

You may:

Opt out of marketing emails at any time by clicking “unsubscribe” in our communications

Request access to, correction, or deletion of your personal data

Withdraw consent where processing is based on consent

To make any of these requests, please email us at [email protected]

7. Third-Party Links

Our website may contain links to third-party websites, such as carriers or service providers. We are not responsible for their privacy practices. Please review the privacy policies of any third-party sites you visit.

8. Children’s Privacy

Our website and services are intended for individuals aged 18 and older. We do not knowingly collect PII from children under 13. If you believe we have collected data from a minor, please contact us so we can delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of the site after changes are made indicates your acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

Sistema IBC/Active Capital
Email: [email protected]
Website: www.sistemaibc.com