Privacy Policy

1. The Information We Collect

We collect information about you directly from you, automatically through your use of our website, and occasionally from third parties (such as if a family member applies for coverage on your behalf).

• Contact & Identity Information: Name, email address, phone number, physical address, and birthdate.
• Application Data: Social Security numbers, gender, tobacco usage, and information regarding health conditions or upcoming medical procedures needed to generate accurate quotes.
• Financial Information: Payment method and billing address (only collected if you submit a formal application requiring premium collection).
• Website Usage Data: IP address, browser type, pages viewed, and device type, collected via standard cookies to improve your browsing experience.

2. How We Use Your Information

We use your personal and health-related information to:

• Generate and display accurate health insurance quotes in your geographic area.
• Process your applications for health insurance and related products.
• Communicate with you regarding the status of your application or policy via email, phone, or text message.
• Provide customer support and respond to your inquiries.
• Maintain legal and regulatory compliance.

3. How We Share Your Information

We do not disclose your personal information to third parties, except in the following limited circumstances required to fulfill our services to you:

• Insurance Companies and Underwriters: If you submit an application, we disclose your information to your chosen insurance carrier to underwrite and process your policy.
• Licensed Agents and Partners: We may share information with associated licensed agents, or authorized Health Savings Account (HSA) administrators and trustees, strictly to process your requested quote, application, or HSA enrollment.
• Service Providers: We may use third-party vendors (such as IT hosting, payment processors, or CRM software) to help operate our business. They are contractually bound to strict confidentiality and cannot use your data for their own purposes.
• Legal Obligations: We may report information when required by law, such as to cooperate with law enforcement, regulators, or judicial proceedings.

4. SMS Text Messaging & A2P 10DLC Compliance

If you elect to receive communications from Health Option Group via text message, we will collect your mobile phone number and opt-in consent.

Strict Mobile Privacy Protection: We value your privacy and mandate strict adherence to A2P 10DLC carrier compliance regulations. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above data-sharing categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

You may opt out of text messaging at any time by replying "STOP" to any message you receive from us.

5. Security of Your Information

We maintain industry-standard physical, electronic, and procedural safeguards to protect your personal information. Any time you enter personal data on our website, it is encrypted using Secure Socket Layer (SSL) technology. While we follow generally accepted standards to protect your data, no method of transmission is 100% secure. You are responsible for protecting your account passwords and limiting access to your devices.

6. Your Rights and Choices

• Access and Correction: You may update your contact information by logging into your account, or by contacting our customer service team.
• Marketing Opt-Out: You may opt out of non-transactional marketing emails by clicking the "unsubscribe" link at the bottom of our emails. Please note you will still receive mandatory communications regarding your active quotes, applications, or policies.
• Cookies: You can set your browser to refuse cookies, though some features of our website may not function properly without them.

7. Notice Concerning Children

Our website and services are not intended to be used directly by children under 18 years of age. Parents or legal guardians may use our services on behalf of their minor dependents. We do not knowingly collect personal information directly from children.

8. Contact Us

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