Privacy Policy

PRIVACY POLICY

Effective Date: November 26, 2025
Last Updated: November 26, 2025

This Privacy Policy describes how The Health Insurance Center LLC (“Company,” “we,” “our,” or “us”) collects, uses, stores, and protects personal information provided through our website located at https://healthinscenter.com/ (“Website”). By using this Website, you agree to the collection and use of information as described in this Privacy Policy.

We are committed to maintaining the privacy and security of your personal information. This policy applies to information collected from Website visitors, clients, prospective clients, form submissions, and any individual interacting with our Website or requesting our services.

This Privacy Policy does NOT apply to information protected under the Health Insurance Portability and Accountability Act (“HIPAA”) or the Gramm-Leach-Bliley Act (“GLBA”). When HIPAA or GLBA applies, your information will be governed by the applicable plan or financial institution’s Notice of Privacy Practices.

1. Information We Collect

We may collect the following categories of information when you interact with our Website or request insurance-related services:

A. Contact Information

• Name

• Phone number

• Email address

• Residential or business address

B. Personal Identifiers

• Date of birth

• Gender

• Marital status

• Preferred language

• Driver’s license or identification numbers

• Social Security number (only when necessary for insurance applications, never stored on our servers)

C. Health Information (Non-HIPAA Website Collection)

We may collect health-related information voluntarily submitted by you for the purpose of:

• Insurance quotes

• Enrollment assistance

• Plan recommendations

Examples include:

• Medications

• Medical conditions

• Physicians or providers you see

D. Financial Information

We do not collect or store payment information through this Website.

However, we may collect:

• Insurance premium details

• Payment preferences

• Billing-related information required to prepare insurance applications

Payment information is submitted directly to the carrier or secure enrollment platform, not to us.

E. Website Usage Data

We may use cookies and analytics tools to collect:

• IP address

• Browser type

• Device information

• Pages viewed

• Referring website

• Click behavior

• Session duration

This helps us improve Website performance and user experience.

F. Communications Data

We may collect:

• Emails

• Text messages

• Call logs

• Form submissions

• Appointment requests

• Opt-in consents

G. Sensitive Information

Some states consider the following “sensitive”:

• Social Security number

• Driver’s license number

• Financial information

• Health information

• Precise geolocation

• We only use this information to provide the services you request and never sell or rent this data.

2. How We Collect Information

We collect information in the following ways:

A. Information You Provide Directly

Via:

• Contact forms

• Quote request forms

• Appointment scheduling

• Email communications

• Text messages

• Phone calls

• Insurance applications

B. Automatically Collected Information

Through:

• Cookies

• Meta Pixel

• CRM analytics

• Web beacons

• Tracking scripts

• Site analytics tools

C. Third Parties

We may receive information from:

• Insurance carriers

• Lead vendors

• Licensed agents

• Marketing partners

• Referral partners

• CRM integrations

• Social media platforms

3. How We Use Personal Information

We use collected information to:

• Provide insurance quotes

• Recommend appropriate insurance plans

• Assist with enrollment

• Follow up on requests

• Contact you about products you expressed interest in

• Improve Website performance

• Verify identity

• Comply with regulatory obligations

• Respond to inquiries or claims

• Send service-related communications

• Conduct marketing or retargeting (if consented)

We never use your information for purposes not related to insurance or related services without your permission.

4. SMS, Email, and Phone Communication Consent

By submitting your information through our Website, you consent to receive:

• Phone calls

• Emails

• SMS/text messages

• Voicemails

• Automated scheduling notifications

You may opt out at any time by:

• Texting “STOP”

• Clicking “unsubscribe” in emails

• Emailing us at [email protected]

We comply with TCPA, CAN-SPAM, and all applicable communication laws.

5. How We Share Personal Information

We may share your information with the following types of parties only as necessary to provide requested services or comply with law:

A. Insurance Carriers

To obtain quotes, submit applications, or verify eligibility.

B. Licensed Agents or Advisors

To help facilitate your insurance enrollment, if referred.

C. Third-Party Service Providers

Including:

• CRM

• Email platforms

• Appointment systems

• Data storage providers

• Advertising networks

These providers must maintain confidentiality and cannot use your information for their own purposes.

D. Legal and Regulatory Entities

We may disclose information if required by:

• Courts

• Regulators

• CMS

• Law enforcement

• Subpoenas

• Legal processes

E. Marketing Partners

Only when you have provided consent.

F. Business Transfers

If ownership changes, your information may be transferred to the new entity.

6. Cookies and Tracking

We use cookies, pixel tags, analytics tools, and tracking technologies to:

• Analyze Website traffic

• Improve user experience

• Customize content and ads

• Measure marketing performance

You can adjust browser settings to block cookies, though some features may not function properly.

Our Website may recognize Global Privacy Control (GPC) signals if your browser supports them.

7. “Do Not Sell or Share My Personal Information”

While we do not sell personal information for money, some activities — such as advertising or lead generation — may be considered “sharing” under certain state laws (e.g., California).

You may request data access or deletion (see Section 12).

8. Data Storage & Security

We implement industry-standard safeguards to protect your Personal Information.
However:

• No website

• No server

• No electronic system

…can guarantee 100% security.

We work to prevent unauthorized access, loss, misuse, or alteration of information.

9. Children’s Privacy

This Website is not intended for individuals under 18.

We do not knowingly collect personal information from children.

If you believe a minor has submitted information, contact us immediately at [email protected].

10. Your Privacy Rights

Depending on your state, you may have rights including:

• Access your information

• Correct inaccurate information

• Delete certain information

• Opt out of data sharing

• Request data portability

• Restrict processing of sensitive information

To exercise these rights, contact us at:

[email protected]
(479) 484-0077

We may verify your identity before fulfilling requests.

11. Non-HIPAA Disclaimer

Some information we collect may be similar to health information, but:

Information submitted through our Website is not PHI as defined by HIPAA unless processed through a Covered Entity or Business Associate arrangement.

Insurance application data is often governed by:

• GLBA

• State insurance privacy laws

• Carrier-specific privacy notices

We will follow applicable law depending on the product type.

12. Data Retention

We retain personal information only as long as:

• Necessary to fulfill the purpose for which it was collected

• Required by law

• Reasonably needed for business purposes

When no longer needed, we securely delete or anonymize the data.

13. Third-Party Websites

We are not responsible for:

• Privacy practices

• Content

• Security

…of any website linked to or from our Website.

You access them at your own risk.

14. Changes to This Privacy Policy

We may update this Privacy Policy at any time.

Updates take effect immediately upon posting to this Website.

Your continued use of the Website constitutes acceptance of any changes.

15. Contact Information

For questions about this Privacy Policy or your privacy rights, contact us at:

The Health Insurance Center LLC
3219 South 70th St #3
Fort Smith, Arkansas 72903
Phone: (479) 484-0077
Email: [email protected]