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Terms of Service & Privacy Policy
Welcome to Healthcare Advisors Insurance Group (“we,” “us,” or “our”). By accessing or using our website, submitting your information, or communicating with us by phone, email, or text message, you agree to the terms outlined in this Terms of Service & Privacy Policy.
If you do not agree to these terms, please discontinue use of the website and services.
TERMS OF SERVICE
2. Use of Our Website
You may use our website for lawful and informational purposes. You agree not to misuse or disrupt the site or engage in fraudulent activities. We may update these terms at any time.
3. Insurance Services
All quotes, recommendations, and comparisons are subject to carrier rules, underwriting, state regulations, and accurate information provided by you.
Submitting information does not guarantee approval or coverage.
4. Electronic Communications — Email, Texting & Phone Calls
By providing your email or phone number, you consent to communication from us for insurance-related purposes, including quotes, renewals, policy updates, and appointment reminders.
You may opt out at any time by:
Replying STOP to text messages
Using the unsubscribe link in emails
Calling or emailing us directly
We do not use auto-dialer telemarketing systems.
5. Third-Party Links
We are not responsible for the content or privacy practices of external websites linked from our site.
6. Disclaimer & Limitation of Liability
Information provided on this site is general in nature. We are not liable for decisions made based on content on this website or communication errors beyond our control.
PRIVACY POLICY
7. Information We Collect
We may collect personal and health-related information to provide insurance services, including:
Name, address, email, and phone number
Date of birth, household details
Health history, medications, providers, height/weight (for underwriting)
IP address, browser type, and site usage data
8. How We Use Your Information
We use information only for legitimate insurance purposes, such as:
Providing quotes and coverage recommendations
Submitting insurance applications
Communicating about policy status, renewals, and updates
Scheduling appointments
Regulatory and compliance reporting
9. We Do NOT Sell Your Personal Information
We never sell, rent, or trade your personal or health information.
Your email, phone number, or medical information is never sold to third parties.
We share data only with:
Insurance carriers for quoting or submitting applications
Enrollment platforms you authorize
Federal or state agencies when required by law
10. HIPAA NOTICE OF PRIVACY PRACTICES
(How We Protect Your Protected Health Information)
As part of providing insurance services, we may collect, use, and disclose Protected Health Information (PHI) as permitted under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
This includes information such as:
Health conditions
Treatment history
Medications
Prior insurance claims
Medical questionnaires required by carriers
How We May Use and Disclose PHI
We may use or share your PHI only for the following purposes:
Insurance operations: quoting, underwriting, eligibility checks, and submitting applications
Payment-related activities: verifying premiums, benefits, and carrier billing
Business operations: quality review, licensing, and compliance procedures
When required by law: such as audits, regulatory requests, or court orders
We Will NOT Use Your PHI For:
Marketing unrelated third-party products
Selling or renting your medical information
Any purpose not allowed under HIPAA without your explicit written authorization
Your HIPAA Rights
You have the right to:
Request restrictions on how we use your health information
Receive a copy of your PHI that we maintain
Request corrections to inaccurate health information
Receive a list (accounting) of disclosures of your PHI
Request confidential communication methods (e.g., only by email)
Withdraw any authorization you previously granted
Requests may be submitted to:
📞 1-800-899-3378
We will respond in accordance with HIPAA timing and requirements.
Our Duty to Protect Your PHI
We are legally required to:
Maintain the privacy and security of your Protected Health Information
Notify you in the event of a breach of unsecured PHI
Follow the duties and practices described in this policy
Provide updates if our privacy practices change
11. Data Security
We use industry-standard safeguards, including encryption, secure servers, and restricted access to protect your data. While no system is perfect, we take every reasonable measure to secure your information.
12. Your Rights
You may request copies, updates, removal, or corrections to your personal data at any time unless restricted by law.
13. Children’s Privacy
We do not knowingly collect information from children under age 13.
14. Updates to This Policy
We may revise this policy as needed. The effective date will always reflect the most recent version.
15. Contact Information
For privacy or HIPAA-related questions, please contact:
Healthcare Advisors Insurance Group
📞 1-800-899-3378