Privacy Policy

Last Updated: September 9, 2025

Welcome to thehealthinsuranceagency.com (the “Site”), operated by Encompass Insurance Agency LLC ( “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our Site and any online content, tools, or services that link to this Privacy Policy (collectively, the “Services”).

By accessing the Services, you agree to this Privacy Policy and our Terms of Use. If you do not agree, please discontinue use of the Services.

Why We Collect Data

We connect people with licensed insurance professionals and resources. Collecting certain information helps us match you with relevant options, personalize experiences, and keep the Services secure.

Information You Provide to Us

We collect information you voluntarily provide, such as when you complete a quote request, use our tools, contact support, respond to a survey, or (if enabled) create an account.

Types of Personal Data we may collect include:

Category	Examples
Contact & Demographics	Name, ZIP code, email, phone number, date of birth.
Insurance & Eligibility	Preferred coverage type, current plan details, household size, basic health‑related eligibility data you choose to share (e.g., tobacco use status), and other information used to help identify plan options. We do not collect medical records.
Financial & Employment (optional)	Income range, employment status, student status, home ownership/rental status—where relevant to eligibility or quotes.
Feedback & Support	Content of messages you send us, including attachments you choose to upload.
Surveys & Research	Responses that help us improve our Services and marketing.

By submitting Personal Data, you represent that it is accurate and that you have the authority to provide it. You understand your data may be processed in the United States and shared as described below.

SMS Messaging

By providing your mobile phone number and choosing to opt in, you agree to receive SMS (text) messages from The Health Insurance Agency. These messages may include service updates, appointment reminders, promotional offers, or other information related to our services.

• Consent and TCPA Compliance:
  By opting in, you expressly consent to receive automated text messages from The Health Insurance Agency at the mobile number you provide. This consent is not a condition of purchasing any products or services. We comply with the Telephone Consumer Protection Act (TCPA) and related regulations, and we will only send SMS communications to users who have provided valid consent.
• Message Frequency and Costs:
  Message frequency may vary based on your interactions with us. Standard message and data rates may apply depending on your mobile carrier. The Health Insurance Agency is not responsible for any charges that may be incurred as a result of receiving text messages.
• Opting Out:
  You may opt out of SMS messages at any time by replying “STOP” to a message you receive from us, or by contacting us directly at [insert your email or phone number]. After you opt out, you may receive one final message confirming your request, and no further messages will be sent unless you choose to opt in again.
• Privacy and Data Use:
  Information we collect through SMS communications, including your phone number and any responses, will be used in accordance with this Privacy Policy. We take appropriate measures to secure this information and will not share or sell your SMS data to third parties for their marketing purposes.
• Support:
  If you need help regarding our SMS program, you can reply “HELP” to any message or contact us at privacy@thehealthinsuranceagency.com .

Information Collected Automatically

When you use the Services, we and our service providers may automatically collect certain information from your browser or device, such as:

• Log and Usage Data: IP address, browser type, device type, pages viewed, referring/exit pages, date/time stamps, and interaction data (e.g., clicks, scrolls, time on page).
  
  
• Device & Network Data: Operating system, app version, unique identifiers, mobile network, and similar technical information.
  
  
• Approximate Location: Derived from your IP address or device settings to show locally available options. We do not collect precise GPS location unless you allow it.
  
  

Cookies, Analytics, and Similar Technologies

We use cookies, pixel tags, and similar technologies to operate the Services, remember preferences, analyze usage, and personalize content and advertising.

• Cookies: Small files stored on your device. You can usually set your browser to refuse or delete cookies; some features may not work without them.
  
  
• Analytics: We use analytics tools (e.g., Google Analytics) to understand how the Services are used. Learn how Google uses data at https://www.google.com/policies/privacy/partners/. To opt out, you can install the Google Analytics opt‑out browser add‑on: https://tools.google.com/dlpage/gaoptout/.
  
  
• Advertising Partners: We may work with ad networks and social platforms that use cookies or similar tech to measure campaigns and show ads based on your interests. See “Your Choices” below for opt‑out resources.
  
  

We do not sell or share your cookies except as described here.

Aggregated/De‑Identified Data

We may create aggregated or de‑identified information (which does not identify you) for research, reporting, marketing insights (e.g., insurance trends), and to improve the Services. We may share such information with partners for lawful purposes.

How We Use Your Information

We may use Personal Data and other information to:

• Provide, maintain, and personalize the Services;
  
  
• Present coverage information and connect you with licensed agents, carriers, or partner agencies;
  
  
• Process requests, send confirmations, and provide customer support;
  
  
• Protect against, investigate, and deter fraudulent, unauthorized, or illegal activity;
  
  
• Analyze usage and improve functionality, content, and user experience;
  
  
• Conduct surveys and research;
  
  
• Send transactional messages and, where permitted, marketing communications about Services or partner offerings (you can opt out at any time);
  
  
• Build audience segments and measure campaign performance;
  
  
• Comply with legal obligations and enforce our terms.
  
  

Marketing Communications

We and selected partners may contact you by email, phone, text message, or postal mail about Services and related offerings. Each marketing email includes an unsubscribe link. You can also email privacy@thehealthinsuranceagency.com to update preferences. You may still receive transactional or service messages even if you opt out of marketing.

We may work with third‑party advertising companies and social media platforms that collect information through cookies and similar technologies to deliver interest‑based ads and perform measurement and analytics. To learn more or opt out of interest‑based advertising, visit:

• Network Advertising Initiative: https://www.networkadvertising.org/choices/
  
  
• Digital Advertising Alliance: https://www.aboutads.info/choices/
  
  
• Your Online Choices (EU/UK): https://www.youronlinechoices.com/
  
  
• Google Ads Settings: https://adssettings.google.com/
  
  

How We Share Information

We may share Personal Data as follows:

• Insurance Partners & Licensed Agents: If you request quotes or information, we share relevant details so partners can contact you about your options.
  
  
• Service Providers: With vendors that help us operate the Services (e.g., hosting, analytics, security, communications, customer support, and marketing). They are permitted to use the data only to provide services to us.
  
  
• Affiliates: With our affiliated entities for purposes consistent with this Privacy Policy.
  
  
• Business Transfers: In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or part of our business or assets.
  
  
• Legal & Compliance: If required by law or to protect rights, safety, and security; to respond to lawful requests (e.g., subpoenas, court orders); or to enforce our terms.
  
  

We do not sell Personal Data as the term “sell” is defined under certain state privacy laws. We may “share” Personal Data for cross‑context behavioral advertising as described above (see “Your Choices” for opt‑out mechanisms where applicable).

Your Choices & Controls

• Opt‑Out of Marketing: Use the unsubscribe link in emails or contact privacy@thehealthinsuranceagency.com.
  
  
• Text Messages: You can opt out by replying STOP to a message.
  
  
• Cookies & Ads: Adjust browser settings or use the opt‑out links listed in the Marketing section.
  
  
• Access, Update, or Delete: See “California Privacy Rights” and “State‑Specific Rights” (below), or contact us using the details at the end of this Policy.
  
  

If account functionality is available, you may review and update certain information in your account settings. To deactivate an account, contact privacy@thehealthinsuranceagency.com.

Exclusions

This Policy does not apply to information you make public (e.g., in forums or reviews) or to unsolicited information you send us. Public posts may be visible to others and can be used or disclosed by anyone.

Children’s Privacy

The Services are not directed to children under 13, and we do not knowingly collect Personal Data from children under 13. If you believe a child under 13 provided Personal Data to us, contact us and we will delete it.

Links to Other Sites & Social Media

The Services may contain links to third‑party websites, apps, or services. Their privacy practices are governed by their own policies, not this one. If you interact with social media features, your interactions are governed by the respective platform’s terms and policies.

Security

We use reasonable administrative, technical, and physical safeguards designed to protect Personal Data. No method of transmission or storage is 100% secure; we cannot guarantee absolute security. If we learn of a breach, we may notify you as required by law. To receive written (non‑electronic) notice of a security incident, contact privacy@thehealthinsuranceagency.com.

If you suspect identity theft, visit the FTC’s guidance at https://www.identitytheft.gov/.

International Users

The Services are intended for U.S. consumers and are hosted in the United States. By using the Services, you understand your information may be transferred to and processed in the U.S., where laws may differ from those in your jurisdiction.

Do Not Track

Your browser may send “Do Not Track” signals. We currently do not respond to DNT. We will update this Policy if our practices change.

Changes to This Policy

We may update this Privacy Policy from time to time. The “Last Updated” date reflects the latest revision. Material changes will be posted on the Site; your continued use of the Services after changes means you accept the updated Policy.

Your California Privacy Rights (CCPA/CPRA)

This section applies to California residents and describes rights under the California Consumer Privacy Act (CCPA) as amended by the CPRA.

Personal Information We Collect

In the last 12 months, we may have collected the following categories of Personal Information:

Category (CCPA/CPRA)	Examples	Collected
A. Identifiers	Name, alias, postal address, email, phone number, IP address, online identifiers; if necessary for verification: last four of SSN or other IDs.	Yes
B. Customer Records	Contact information; insurance policy information you provide; limited financial info (e.g., income range) relevant to quotes. We do not store full bank or card numbers.	Yes
C. Protected Classifications	Only if you choose to provide (e.g., veteran status) when relevant to eligibility or plan options.	Yes (optional)
D. Commercial Information	Records of Services requested, quotes considered, interactions with our Site.	Yes
E. Biometric Information	Fingerprints, faceprints, etc.	No
F. Internet/Network Activity	Browsing history, interactions with our Site, device information, cookies, analytics data.	Yes
G. Geolocation Data	Approximate location (e.g., city/ZIP from IP).	Yes
H. Sensory Data	Call recordings with notice/consent (if applicable).	Possible
I. Professional/Employment	Employment status only if you choose to provide it for eligibility.	Possible
J. Education Information	Student status only if you choose to provide it.	Possible
K. Inferences	Audience segments or preferences derived from other data.	Possible

Sources: You; your devices; our affiliates; service providers; advertising and analytics partners; publicly available sources; data brokers (where permitted by law).

Purposes: To operate the Services; provide quotes and connect you with partners; communicate with you; prevent fraud; perform analytics; improve and personalize the Services; comply with law.

Disclosures for Business Purposes: We disclose Personal Information to service providers, affiliates, advertising/analytics partners, insurance partners, and government authorities (when legally required). We do not “sell” Personal Information for money. We may “share” Personal Information for cross‑context behavioral advertising; you can opt out where applicable (see below).

California Rights

California residents have the right to:

• Know/Access: Request details about categories and specific pieces of Personal Information we collected.
  
  
• Correct: Request that we correct inaccurate Personal Information.
  
  
• Delete: Request deletion of Personal Information, subject to legal exceptions.
  
  
• Opt‑Out of Sharing/Sale: Opt out of “sharing” for cross‑context behavioral advertising and any “sale” as defined by law (we do not sell Personal Information for money).
  
  
• Limit Use of Sensitive Personal Information: If we collect “sensitive” data (e.g., SSN last four), you may request we limit its use to what is necessary to provide the Services.
  
  
• Non‑Discrimination: We will not discriminate against you for exercising your rights.
  
  

Submitting Requests

To exercise your rights, contact us at privacy@thehealthinsuranceagency.com or 844-325-0800. To opt out of sharing/targeted advertising cookies, use the cookie controls on our Site and/or the opt‑out links listed above. You may submit requests up to twice per 12‑month period. We will verify your request by matching information provided with our records and may request additional information as needed. Authorized agents may submit requests with proof of authorization.

We generally respond within 45 days; if we need more time (up to 90 days), we will inform you of the reason and extension period in writing.

State‑Specific Notices

Residents of certain states (e.g., CO, CT, VA, UT) may have similar rights to access, correct, delete, and opt out of targeted advertising or certain profiling. To exercise these rights, contact privacy@thehealthinsuranceagency.com.

Contact Us

If you have questions or wish to exercise your privacy rights, please contact us:

ASP Media Group LLC

Email: privacy@thehealthinsuranceagency.com
Phone: 844-325-0800
Address: 2206 W Atlantic Ave
Delray Beach, FL 33445

If you prefer not to receive marketing emails, you may also unsubscribe using the link in our emails or email privacy@thehealthinsuranceagency.com with the subject line “Unsubscribe.”

Note: This Privacy Policy is provided for general informational purposes and does not constitute legal advice. Consider consulting counsel to tailor this Policy to your specific practices and regulatory obligations.