Privacy Policy

1. Introduction

Personal Health Quote LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or contact us for insurance services. Please read this policy carefully.

2. Information We Collect

We may collect the following types of personal information:

• Name and contact information (email address, phone number, mailing address)
• Insurance-related information (coverage needs, current plans, health information)
• Communications you send to us through our contact form or by phone
• Technical data (IP address, browser type, pages visited, time of visit)

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide insurance quotes
• Connect you with licensed insurance carriers and advisors
• Send you transactional communications related to your request
• Send SMS and text message communications if you have opted in
• Improve our website and customer experience
• Comply with legal and regulatory obligations

4. Text Messaging and SMS Communications

If you provide your phone number and consent to receive text messages, PERSONAL HEALTH QUOTE LLC may send you SMS communications including insurance information, quotes, and follow-up messages related to your inquiry. Message and data rates may apply. Message frequency varies. You may reply STOP at any time to opt out of text messages, or reply HELP for assistance.

We do not sell, rent, or lease your Personal Information to any third parties for their marketing purposes. This commitment extends to all data, including text messaging originator opt-in data and consent, which will not be sold or shared for any marketing reasons.

5. Information Sharing and Disclosure

We may share your information with:

• Licensed insurance carriers and agents — to obtain quotes and facilitate your coverage application, where you have requested we do so.
• Service providers — third-party vendors who assist with our operations (email delivery, database hosting, analytics), bound by confidentiality agreements.
• Legal requirements — when required by law, court order, or government authority.

We do not sell, rent, or share your personal information with unaffiliated third parties for their own marketing purposes.

6. Data Security

We implement industry-standard security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure.

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve your browsing experience, analyze site traffic, and understand where our visitors are coming from. You may disable cookies in your browser settings; however, some features of the site may not function properly.

8. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time

To exercise these rights, contact us at drema@personalhealthquotellc.online.

9. Children's Privacy

Our website is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page with an updated effective date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us: