Privacy Policy
This Privacy Policy describes how HealthFin Solutions LLC (“we,” “us,” or “our”), operated by HealthFin Solutions LLC, a licensed life insurance agent, collects, uses, protects, and discloses personal information you provide when you visit and use the website located at www.healthfinsolutions.com] (the “Website”).
We are committed to protecting your privacy and handling your personal information with care and in compliance with applicable laws and regulations.
1. Information We Collect
We collect various types of information from and about users of our Website, including information that may identify you personally.
A. Information You Provide Directly to Us: When you interact with our Website, for example, by filling out contact forms, requesting information, booking an appointment, or communicating with us, you may provide us with the following types of personal information:
Contact Information: Name, email address, mailing address, phone number.
Demographic Information: Date of birth, age, gender.
Preliminary Health Information: General health status, smoking habits, height, weight, medical conditions (only if you choose to provide it in initial inquiries to help us understand your potential needs). Note: More detailed health information will be collected during a formal application process directly with you, not through this website.
Preliminary Financial Information: Income range, general financial goals (only if you choose to provide it to help us understand your potential needs for life insurance).
Inquiry Details: Specific questions or comments you submit.
B. Information We Collect Automatically (through Cookies and Other Technologies): As you navigate through and interact with our Website, we may use automatic data collection technologies to gather certain information about your equipment, Browse actions, and patterns, including:
Usage Details: Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Device Information: Information about your computer and internet connection, including your IP address, operating system, browser type, and device identifiers.
Referral Information: The website you came from or the website you visit after leaving our site.
Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience, analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. Cookies: Small data files stored on your device that help us remember your preferences, track your activity, and improve site functionality. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. Google Analytics: We use Google Analytics to collect information about how users engage with our Website. This information is used to compile reports and help us improve the Website. Google Analytics collects information anonymously. It reports website trends without identifying individual visitors. You can opt-out of Google Analytics without affecting how you visit our site – for more information on opting out of Google Analytics, visit the Google Analytics Opt-out Browser Add-on page.
2. How We Use Your Information
We use the information we collect for various purposes, including:
To Respond to Your Inquiries: To respond to your questions, provide information you request, and fulfill the purpose for which you provided the information (e.g., to prepare for a free quote discussion).
To Provide Services: To schedule and conduct consultations, understand your insurance needs, assess your eligibility for various life insurance products, and prepare customized quotes.
To Communicate with You: To send you updates, service announcements, promotional materials (with your consent), and other communications relevant to your inquiries or potential insurance needs.
For Marketing and Advertising (with Consent): To inform you about products, services, and offers that may be of interest to you. We will obtain your explicit consent for marketing communications where required by law (e.g., TCPA for phone calls/SMS).
To Improve Our Website and Services: To analyze Website usage and performance, diagnose technical problems, and optimize the Website’s functionality and user experience.
To Comply with Legal Obligations: To comply with applicable laws, regulations, legal processes, and governmental requests, including those related to insurance licensing and privacy.
For Security and Fraud Prevention: To protect the security and integrity of our Website and services, and to prevent fraudulent or unauthorized activities.
For Internal Business Purposes: For data analysis, audits, developing new products/services, and operating and expanding our business.
3. How We Share Your Information
We understand the sensitive nature of the information you share with us. We share your personal information only in the following limited circumstances:
With Insurance Carriers: To facilitate the free quote process and, with your consent during the application process, to submit applications and secure life insurance coverage, we will share your information with the relevant licensed life insurance carriers whose products we offer.
With Service Providers: We may share your information with trusted third-party service providers who perform functions on our behalf, such as website hosting, data analysis, email delivery, CRM software, scheduling tools, and marketing assistance. These service providers are contractually obligated to keep your information confidential and use it only for the purposes for which we disclose it to them.
Legal Requirements and Business Transfers: We may disclose your information if required to do so by law, court order, or governmental regulation, or if we believe in good faith that such action is necessary to (a) comply with a legal obligation, (b) protect and defend our rights or property, (c) act in urgent circumstances to protect the personal safety of users of the Website or the public, or (d) protect against legal liability. In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction.
With Your Consent: We may share your information with other third parties when you provide explicit consent to do so.
We do NOT sell your personal information to third parties.
4. Data Security
We implement reasonable technical, administrative, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:
Encryption: Using SSL/TLS encryption for data transmitted between your browser and our Website.
Access Controls: Limiting access to your personal information to only those employees, agents, and service providers who have a legitimate business need for it.
Secure Systems: Employing secure systems and procedures to store and process your data.
While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.
5. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The retention period will vary depending on the type of information and the purpose for which it was collected, as well as any applicable legal or regulatory requirements (e.g., insurance industry record-keeping rules).
6. Your Privacy Rights
Depending on your jurisdiction and applicable laws (e.g., CCPA/CPRA for California residents), you may have certain rights regarding your personal information, including:
Right to Know: The right to request what personal information we collect, use, disclose, and sell.
Right to Delete: The right to request the deletion of your personal information, subject to certain exceptions.
Right to Correct/Rectify: The right to request the correction of inaccurate personal information.
Right to Opt-Out of Sale/Sharing: The right to opt-out of the “sale” or “sharing” of your personal information (as defined by relevant privacy laws). Note: We do not sell your personal information.
Right to Limit Use and Disclosure of Sensitive Personal Information: The right to limit the use and disclosure of sensitive personal information.
Right to Non-Discrimination: The right not to receive discriminatory treatment for exercising your privacy rights.
To exercise these rights, please contact us using the “Contact Information” section below. We will verify your request according to applicable law.
7. Specific State Privacy Rights (Examples)
For California Residents (CCPA/CPRA): You have the rights listed above. We will respond to verifiable consumer requests within 45 days. We do not sell your personal information.
For Individuals Subject to HIPAA (Health Insurance Portability and Accountability Act): As a licensed agent involved in health insurance, we adhere to HIPAA’s privacy and security rules regarding protected health information (PHI) where applicable. Your more detailed health information collected during a formal application will be treated as PHI.
For Individuals Subject to GLBA (Gramm-Leach-Bliley Act): As a financial institution (by definition, including insurance agents), we comply with GLBA’s requirements for protecting non-public personal information (NPI). This includes providing a clear privacy notice and safeguarding your NPI.
8. Children’s Privacy
Our Website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [Your Email Address].
9. Links to Third-Party Websites
Our Website may contain links to third-party websites that are not operated or controlled by us. This Privacy Policy does not apply to the practices of those third parties. We encourage you to review the privacy policies of any third-party websites you visit. We are not responsible for the privacy practices or content of such third-party sites.
10. Changes to Our Privacy Policy
We may update our Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page with a new “Last Updated” date. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website homepage or by email to your primary email address specified in your account (if you have one). Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.
11. Contact Information
If you have any questions about these Terms or the Website, please contact me at:
HealthFin Solutions LLC 732 S 6th St #5302, Las Vegas, NV 89101.
Phone Number: +1 725 910 2700
Email: [email protected]