Privacy Policy

1. Introduction

[COMPANY NAME] ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, including when you provide your phone number and consent to receive SMS messages and phone calls from us.

Business Address: [BUSINESS ADDRESS]
Contact Email: [CONTACT EMAIL]
Contact Phone: [PHONE NUMBER]

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Fill out forms on our website
• Request information about our services
• Opt-in to receive SMS messages or phone calls
• Subscribe to our newsletter
• Contact us directly

This information may include:

• Name
• Email address
• Phone number (including mobile phone number)
• Mailing address
• ZIP code
• Age or date of birth
• Insurance needs and preferences

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies installed on your device. We may also collect information about your browsing actions and patterns.

3. How We Use Your Information

We use the information we collect in the following ways:

• To provide, operate, and maintain our services
• To communicate with you, including sending you information about health insurance products
• To send you SMS text messages and make phone calls (if you have opted in)
• To respond to your inquiries and provide customer support
• To process your requests for quotes or information
• To improve our website and services
• To comply with legal obligations
• To detect, prevent, and address fraud or security issues

4. SMS and Phone Communication

Consent to Receive Communications

By providing your phone number and checking the SMS consent box on our forms, you expressly consent to receive promotional and informational text messages and phone calls from [COMPANY NAME] and our authorized partners at the phone number you provided. This consent is not a condition of purchase.

Message Frequency and Charges

Message frequency may vary depending on your interactions with us and the services you request. Message and data rates may apply. You are responsible for any charges from your mobile carrier.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by:

• Replying STOP to any text message you receive from us
• Sending an email to [CONTACT EMAIL] with your request to unsubscribe
• Calling us at [PHONE NUMBER]
• Sending a written request to [BUSINESS ADDRESS]

After you opt out, you will receive one final confirmation message. Please allow up to 10 business days for your opt-out request to be fully processed.

Help Information

For help or more information about SMS messages, reply HELP to any text message or contact us at [CONTACT EMAIL] or [PHONE NUMBER].

5. TCPA Compliance

We comply with the Telephone Consumer Protection Act (TCPA) and related regulations. We only send SMS messages and make phone calls to individuals who have provided express written consent to receive such communications. Your consent is documented and retained in accordance with TCPA requirements.

We respect your right to revoke consent at any time through the opt-out methods described above. We will honor all opt-out requests within 10 business days and recognize various forms of opt-out requests, including informal messages.

6. Information Sharing and Disclosure

We may share your information with:

• Insurance Agencies and Carriers: We may share your information with licensed insurance agencies and carriers to provide you with quotes and information about insurance products.
• Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as SMS delivery, CRM systems, and analytics.
• Business Transfers: In connection with any merger, sale of company assets, or acquisition.
• Legal Requirements: When required by law or to protect our rights, property, or safety.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

8. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of certain uses of your information, including SMS and phone communications
• Data Portability: Request a copy of your personal information in a portable format

To exercise these rights, please contact us at [CONTACT EMAIL] or [PHONE NUMBER].

9. State-Specific Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale or sharing of personal information.

Other State Privacy Laws

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Utah (UCPA) may have similar rights under their respective state privacy laws. Contact us to exercise your rights.

10. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

14. Contact Us

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