Privacy Policy

Introduction

Healthy Hope ("Company," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website insurancemadesimple.ai (the "Site") or use our health insurance enrollment services (the "Services").

Please read this Privacy Policy carefully. By accessing or using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please do not access or use our Site or Services.

Information We Collect

Personal Information You Provide

When you apply for health insurance or request a quote, we collect information you voluntarily provide, including:

Contact Information: Full name, email address, phone number(s), mailing address
Demographic Information: Date of birth, gender, marital status
Identity Information: Social Security Number or Tax Identification Number
Financial Information: Annual household income, employment status, employer information
Household Information: Family size, dependents, spouse information
Health Information: Current insurance status, tobacco use, pre-existing conditions
Geographic Information: ZIP code, county of residence

Automatically Collected Information

When you visit our Site, we automatically collect:

Device Information: IP address, browser type, operating system, device identifiers
Usage Information: Pages viewed, time spent, clicks, referring website
Location Information: General geographic location based on IP address
Cookies and Tracking: Cookies, web beacons, pixels, and similar technologies

Information from Third Parties

We may receive information from third parties, including insurance carriers, Healthcare.gov, data verification services, and marketing partners, to verify your identity, eligibility, and provide our Services.

Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number and submitting your information through our Site, you expressly consent to receive:

Phone calls (including pre-recorded and artificial voice messages)
Text messages (SMS/MMS)
Calls and texts using automatic telephone dialing systems (auto-dialers)

These communications will be from Healthy Hope, our licensed insurance agents, insurance carriers, and our marketing partners regarding:

Health insurance quotes and plan information
Application status and enrollment assistance
Important coverage and deadline reminders
Marketing and promotional offers for insurance products

Important Disclosures:

Consent is not required to purchase goods or services from us.
Message and data rates may apply. Message frequency varies.
Carriers are not liable for delayed or undelivered messages.
You may receive calls/texts even if your number is on a Do Not Call list.
You can revoke consent at any time (see "Opt-Out" section below).

How We Use Your Information

We use collected information to:

Process your health insurance application and determine eligibility
Calculate subsidy eligibility and provide accurate quotes
Connect you with licensed insurance agents in your area
Communicate with you about your application and coverage options
Send plan quotes, enrollment reminders, and policy information
Provide customer support and respond to inquiries
Send marketing communications (with your consent)
Improve our Site, Services, and user experience
Comply with legal obligations and prevent fraud
Enforce our Terms of Service and protect our rights

How We Share Your Information

We may share your personal information with:

Insurance Carriers: To provide plan quotes, process applications, and enroll you in coverage
Licensed Insurance Agents: To assist with your enrollment and provide personalized guidance
Healthcare.gov / CMS: To verify eligibility and process ACA marketplace enrollments
Service Providers: Third parties who perform services on our behalf (hosting, email, analytics, payment processing, identity verification)
Marketing Partners: With your consent, to provide you with relevant offers and services
Legal Requirements: When required by law, court order, or government request
Business Transfers: In connection with a merger, acquisition, or sale of assets

We do NOT sell your personal information to third parties for their direct marketing purposes without your explicit consent.

California Privacy Rights (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):

Right to Know: Request disclosure of the categories and specific pieces of personal information we collect
Right to Delete: Request deletion of your personal information (subject to certain exceptions)
Right to Correct: Request correction of inaccurate personal information
Right to Opt-Out: Opt-out of the "sale" or "sharing" of personal information
Right to Limit: Limit use and disclosure of sensitive personal information
Right to Non-Discrimination: Not be discriminated against for exercising your rights

To exercise your California rights, email us at privacy@insurancemadesimple.ai or call 1-877-421-8620.

Your Opt-Out Rights

Phone Calls and Text Messages

You may revoke your TCPA consent and opt-out of calls and text messages at any time by:

Replying "STOP" to any text message
Calling us at 1-877-421-8620 and requesting to be removed
Emailing optout@insurancemadesimple.ai
Submitting a request through our website

Email Communications

You can opt-out of marketing emails by clicking the "Unsubscribe" link in any email or contacting us. Note: You may still receive transactional emails related to your application or coverage.

Do Not Call Registry

By providing your phone number and consent, you authorize us to contact you even if your number is on the National Do Not Call Registry or any state Do Not Call list.

Data Security

We implement industry-standard security measures to protect your personal information:

256-bit SSL/TLS encryption for data in transit
Encrypted database storage for sensitive data
Regular security assessments and penetration testing
Access controls and multi-factor authentication
Employee security training and background checks
PCI-DSS compliance for payment processing

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. For insurance-related records, we typically retain data for at least 7 years after your last interaction or policy termination, as required by insurance regulations.

Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to:

Remember your preferences and settings
Authenticate users and prevent fraud
Analyze Site traffic and usage patterns
Deliver targeted advertisements
Measure marketing campaign effectiveness

You can control cookies through your browser settings. However, disabling cookies may affect Site functionality.

Third-Party Analytics and Advertising

We use third-party services for analytics and advertising, including:

Google Analytics and Google Ads
Facebook/Meta Pixel
Microsoft Advertising

These services may collect information about your online activities. You can opt-out of interest-based advertising at optout.aboutads.info.

Children's Privacy

Our Site and Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. For significant changes, we may also notify you via email. Your continued use of our Site or Services after changes constitutes acceptance of the revised policy.

Contact Us

If you have questions about this Privacy Policy, your personal information, or wish to exercise your rights, please contact us:

Healthy Hope

Privacy Inquiries: privacy@insurancemadesimple.ai

Phone: 1-877-421-8620

Opt-Out Requests: optout@insurancemadesimple.ai