Privacy Policy

Introduction

Health Benefit Services, LLC ("HBS," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide when you visit our website, request an insurance quote, contact us, or use our services.

Information We Collect

We may collect information such as:

• Your name
• Email address
• Phone number
• Insurance coverage interests
• Information provided when requesting a quote or consultation
• Information submitted through our contact forms
• Website usage and technical information

How We Use Your Information

We may use your information to:

• Respond to quote and consultation requests
• Connect you with a licensed HBS advisor
• Review available insurance options based on your request
• Communicate with you about your inquiry
• Provide customer support
• Improve our website and services
• Maintain website security and prevent misuse
• Meet applicable legal and regulatory requirements

Information Sharing

We may share information with insurance carriers and providers when necessary to respond to your request, service providers that help us operate our website and business, professional advisers where appropriate, and government authorities or other parties when required by law.

We do not sell your personal information simply because you request a quote or contact an advisor.

Insurance & Health Information

If you provide information about your health, insurance coverage, prescriptions, doctors, or other sensitive information, we will use it only as reasonably necessary to assist with your insurance inquiry, coverage evaluation, enrollment, servicing, or other requested services, subject to applicable laws and regulations.

Communications

If you provide your phone number or email address, HBS may contact you regarding your inquiry, insurance options, appointments, or requested services.

You may request that we stop certain communications by contacting us.

Cookies & Website Technologies

Our website may use cookies and similar technologies to keep the website functioning, understand website traffic, improve website performance, remember preferences, and measure marketing and website effectiveness.

Third-Party Websites

Our website may contain links to third-party websites, including insurance carriers and other service providers. HBS is not responsible for the privacy practices or content of third-party websites.

Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Your Privacy Rights

Depending on where you live and applicable law, you may have rights regarding your personal information, including requesting access, correction, or deletion of certain information.

To make a privacy-related request, please contact us using the information below.

Children's Privacy

Our website is not directed toward children under 13, and we do not knowingly collect personal information from children under 13.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated "Last Updated" date.

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