More Health Quotes | Privacy Policy

Effective Date: 01/01/2025

1. Introduction The Coverage Advisor ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and disclose personal information when you interact with our call center, marketing agency, or other services as a for-profit business. By using our services, you consent to the practices described in this policy.

2. Information We Collect We collect the following types of personal information:

Contact Information: Name, phone number, email address, mailing address.
Demographic Information: Age, location, and other relevant details.
Insurance Interests: Preferences and inquiries related to health insurance products.
Call and Interaction Data: Conversations, chat transcripts, emails, and other communication records.
Website and Digital Engagement Data: IP addresses, cookies, and user behavior on our digital platforms.

3. How We Use Your Information We use the collected information to:

Provide and improve our marketing and call center services.
Tailor advertisements, offers, and services to enhance user experience.
Ensure compliance with regulatory and legal obligations.
Conduct analytics to improve service quality and performance.
Connect users with licensed agents and brokers for insurance solutions.

4. Information Sharing & Selling

We do not sell personal information to third parties except in the following circumstances:

Licensed Agents & Brokers: We may sell or share information with licensed insurance agents or brokers to provide consumers with relevant insurance options.
Service Providers: We may share information with vendors who support our business operations, including social media platforms (e.g., Facebook, Instagram, LinkedIn), telemarketing and CRM tools (e.g., Ringy, VanillaSoft), and data analytics providers.
Legal Compliance: We may disclose personal information if required by law or to protect our legal rights. We do not sell personal information to third parties except in the following circumstances:
Licensed Agents & Brokers: We may sell or share information with licensed insurance agents or brokers to provide consumers with relevant insurance options.
Service Providers: We may share information with vendors who support our business operations (e.g., data analytics, call handling, or marketing partners).
Legal Compliance: We may disclose personal information if required by law or to protect our legal rights.

5. Compliance With Laws We adhere to all applicable privacy and data protection laws, including but not limited to:

Telephone Consumer Protection Act (TCPA) – Governs telemarketing calls and SMS marketing.
Health Insurance Portability and Accountability Act (HIPAA) – Protects sensitive health information where applicable.
California Consumer Privacy Act (CCPA) – Provides rights to California residents regarding their personal data.
Children’s Online Privacy Protection Act (COPPA) – Ensures that we do not collect data from individuals under 13 years of age.
Gramm-Leach-Bliley Act (GLBA) – Protects consumer financial data related to insurance services.
Federal Trade Commission (FTC) marketing regulations – Governs fair marketing practices.
Do Not Call Registry (DNC) Compliance – Ensures marketing calls follow opt-out preferences.

All parties must be 18 years of age or older to use our services. We do not knowingly collect or process data from individuals under 18.

6. HIPAA Compliance The Coverage Advisor is committed to ensuring the privacy and security of any health-related data we may collect. In compliance with the Health Insurance Portability and Accountability Act (HIPAA), we implement the following safeguards:

Health Information Collected: We may collect insurance-related health information such as pre-existing conditions, policy preferences, and provider selections when necessary to facilitate services.
Protection of Health Data: All health-related information is stored securely and only accessible to authorized personnel who require it to perform their duties.
Sharing of Health Information: We only share health-related data with licensed insurance agents and brokers who require it to provide insurance options. Any such sharing is conducted in compliance with HIPAA regulations.
User Rights Under HIPAA: You have the right to:
- Request access to your health-related data.
- Request corrections to inaccurate information.
- Request deletion of your health-related data where applicable.
- Restrict certain uses or disclosures of your information.

To exercise your HIPAA rights or for any questions related to your health information privacy, contact us at MoreHealthQuotes@gmail.com.

6. Data Security We implement security measures to protect personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to secure data, no system is completely secure, and we cannot guarantee absolute security.

7. Your Rights & Choices

Depending on your jurisdiction, you may have rights to:

Access, correct, or delete your personal data.
Opt-out of certain data-sharing practices.
Withdraw consent for data processing where applicable. You may withdraw consent by contacting us at MoreHealthQuotes@gmail.com. We honor data deletion requests and do not retain personal information longer than necessary. To exercise these rights, contact us at MoreHealthQuotes@gmail.com. Depending on your jurisdiction, you may have rights to:
Access, correct, or delete your personal data.
Opt-out of certain data-sharing practices.
Withdraw consent for data processing where applicable.

To exercise these rights, contact us at MoreHealthQuotes@gmail.com..

8. Changes to This Privacy Policy We reserve the right to update this policy as needed. Any changes will be posted on our website with an updated effective date.

9. Company Information

Company Name: The Coverage Advisor
Website: thecoverageadvisor.com
Business Model: Call Center, Marketing Agency, For-Profit Business
Industry: Health Insurance Marketing
Business Operations: Lead generation, agent recruitment, customer acquisition
Primary Focus: Connecting consumers with licensed insurance agents
Key Compliance Areas: TCPA, HIPAA, CCPA, FTC, DNC, GLBA

10. Contact Information For questions or concerns regarding this Privacy Policy, contact us at: The Coverage Advisor
Miami, Florida
MoreHealthQuotes@gmail.com