Privacy Policy

Nuera Health Insurance ("Nuera," "we," "our," or "us") is committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us by our clients, prospective clients, website visitors, policyholders, and business partners.

This Privacy Policy describes how we collect, use, store, share, and protect information obtained through:

  • Our website, landing pages, and online applications;

  • Telephone calls, text messages, emails, and other communications;

  • Insurance quote requests and enrollment applications;

  • Customer service and support interactions;

  • Advertising, marketing, and lead generation activities;

  • Automated systems, artificial intelligence technologies, chatbots, and virtual assistants;

  • Third-party marketing, referral, and lead generation partners.

By accessing our website, submitting information, requesting insurance information, communicating with our representatives, or otherwise using our services, you acknowledge and agree to the practices described in this Privacy Policy.

Information We Collect

Depending on your interaction with Nuera, we may collect the following categories of information.

Personal Identification Information

  • Full name

  • Mailing address

  • Email address

  • Telephone number

  • Date of birth

  • Gender

  • ZIP code

  • State of residence

Insurance and Eligibility Information

  • Current insurance status

  • Household size

  • Estimated household income

  • Coverage needs and preferences

  • Insurance eligibility information

  • Enrollment information

  • Information required to determine qualification for health insurance programs

Health-Related Information

When necessary to assist with insurance enrollment, we may collect information relating to:

  • Prescription medications

  • Physician relationships

  • Healthcare utilization

  • Insurance history

  • Coverage requirements

  • Eligibility for insurance products

Communications Information

  • Recorded telephone calls

  • SMS and text message communications

  • Email correspondence

  • Customer service interactions

  • AI chatbot conversations

  • Appointment scheduling records

  • Support requests

Device and Website Information

When you visit our website, we may automatically collect:

  • IP address

  • Browser type

  • Device information

  • Operating system

  • Pages visited

  • Website activity

  • Time spent on site

  • Form interactions

  • Referral source information

  • Advertising campaign data

We may utilize cookies, pixels, analytics technologies, web beacons, and similar tools to improve website functionality, marketing performance, and user experience.

How We Use Your Information

Nuera may use personal information to:

  • Provide insurance quotes and plan comparisons;

  • Assist with enrollment and policy servicing;

  • Determine eligibility for insurance programs;

  • Communicate regarding requested products and services;

  • Schedule appointments with licensed insurance agents;

  • Provide customer service and support;

  • Verify identity and prevent fraud;

  • Improve our products, services, and website;

  • Send appointment reminders and service notifications;

  • Conduct internal reporting and quality assurance;

  • Comply with legal and regulatory obligations;

  • Maintain business records;

  • Protect our rights, property, and operations.

Call Recording and Artificial Intelligence Disclosure

Telephone calls with Nuera may be monitored or recorded for:

  • Quality assurance

  • Compliance monitoring

  • Training

  • Fraud prevention

  • Customer service purposes

Nuera may utilize artificial intelligence technologies, virtual assistants, automated messaging systems, chatbot services, and similar technologies to assist with:

  • Customer inquiries

  • Appointment scheduling

  • Lead qualification

  • Policy servicing

  • Customer support

Information provided during these interactions may be recorded, reviewed, stored, and used for customer service, compliance, quality assurance, security, operational improvement, and fraud prevention purposes.

SMS Communications and TCPA Consent

By providing your telephone number through our website, advertisements, forms, surveys, landing pages, or other communication channels, you expressly consent to receive communications from Nuera Health Insurance and its representatives.

Such communications may include:

  • Telephone calls

  • Artificial intelligence-assisted calls

  • Automated telephone dialing systems

  • Prerecorded voice messages

  • SMS and MMS text messages

  • Appointment reminders

  • Insurance-related communications

  • Marketing communications

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

For assistance, reply HELP or contact customer support.

Consent is not a condition of purchase and may be revoked at any time.

Health Information and Privacy Protection

Nuera maintains administrative, technical, and physical safeguards designed to protect personal and health-related information in accordance with applicable federal and state privacy and security requirements.

Access to personal information is limited to authorized personnel, contractors, carriers, and service providers who require such information to perform legitimate business functions

Insurance Carrier and Partner Disclosure

To provide insurance quotes, enrollment assistance, policy servicing, and related services, Nuera may share information with:

  • Insurance carriers

  • General agencies

  • Field marketing organizations

  • Enrollment platforms

  • Licensed insurance professionals

  • Customer support providers

  • Compliance vendors

These organizations may maintain their own privacy policies governing their use and retention of information.

Nuera is an independent insurance agency and is not a government agency, the Health Insurance Marketplace®, Medicare, Medicaid, or any federal or state governmental entity.

Insurance products are offered through licensed insurance agents. Availability, pricing, and eligibility may vary by carrier, state, and individual circumstances

Lead Sources and Marketing Partners

Nuera may receive consumer inquiries through:

  • Direct website submissions

  • Social media advertising

  • Search engine advertising

  • Affiliate marketing programs

  • Lead generation companies

  • Referral partners

  • Co-registration programs

  • Consumer quote request platforms

Information submitted through these channels may be provided to Nuera for purposes of contacting consumers, providing insurance information, determining eligibility, and assisting with enrollment.

Third-Party Technology Providers

Nuera utilizes third-party vendors and service providers to operate and improve business operations.

Such providers may include:

  • Customer Relationship Management (CRM) platforms

  • Dialing and call center systems

  • SMS messaging providers

  • Email providers

  • Website hosting providers

  • Analytics providers

  • Advertising platforms

  • Artificial intelligence platforms

  • Lead routing systems

Examples may include:

  • GoHighLevel

  • Convoso

  • Twilio

  • Google Analytics

  • Google Ads

  • Meta Business Tools

  • VAPI

  • Boberdoo

These providers may process information on our behalf and are expected to maintain reasonable safeguards to protect personal information.

Cookies, Analytics, and Tracking Technologies

Nuera and its partners may use cookies, pixels, web beacons, scripts, tags, and related technologies to:

  • Improve website performance

  • Measure advertising effectiveness

  • Analyze website traffic

  • Detect fraud

  • Improve customer experience

  • Retarget advertisements

Users may disable cookies through browser settings; however, certain website functionality may be affected.

Targeted Advertising and Remarketing

Nuera may utilize advertising technologies provided by:

  • Google

  • Meta (Facebook and Instagram)

  • YouTube

  • TikTok

  • LinkedIn

  • Other advertising networks

These technologies may be used to:

  • Measure advertising performance

  • Display advertisements to prior website visitors

  • Build custom audiences

  • Create lookalike audiences

  • Deliver personalized advertising

Consumers may manage advertising preferences through applicable advertising platforms

Sale or Sharing of Personal Information

Nuera does not sell personal information in exchange for monetary compensation.

However, certain disclosures to advertising, analytics, marketing, insurance carrier, and technology partners may constitute "sharing" or "targeted advertising" under certain state privacy laws.

Consumers may exercise applicable privacy rights as permitted by law

Consumer Rights and State Privacy Laws

Depending on your state of residence, you may have rights including:

  • The right to know what information is collected;

  • The right to access personal information;

  • The right to request correction of inaccurate information;

  • The right to request deletion of certain personal information;

  • The right to opt out of targeted advertising;

  • The right to limit certain uses of sensitive personal information;

  • The right not to be discriminated against for exercising privacy rights.

Nuera will respond to verified requests in accordance with applicable law.

Information Security

Nuera maintains reasonable administrative, technical, and physical safeguards designed to protect personal information against:

  • Unauthorized access

  • Disclosure

  • Alteration

  • Misuse

  • Destruction

  • Loss

Security measures may include:

  • Encrypted transmission

  • Secure cloud infrastructure

  • Access controls

  • User authentication

  • Monitoring systems

  • Employee training

While we strive to protect personal information, no method of transmission or storage can be guaranteed to be completely secure

Data Retention

Nuera retains information only as long as necessary to:

  • Provide services;

  • Meet legal obligations;

  • Comply with insurance industry requirements;

  • Resolve disputes;

  • Prevent fraud;

  • Enforce agreements.

Retention periods may vary depending upon applicable legal and business requirements.

Children's Privacy

Nuera's services are intended solely for individuals eighteen (18) years of age or older.

We do not knowingly collect information from children under eighteen years of age. If we become aware that such information has been collected, we will take reasonable steps to delete it

Contact Information

Questions regarding this Privacy Policy or privacy-related requests may be directed to:

Nuera Health Insurance

Privacy Compliance Department

Website: www.nuerahealthinsurance.com

Email: [email protected]

Phone: (708) 712-5070

Changes to this Privacy Policy

Nuera reserves the right to update or modify this Privacy Policy at any time.

Any changes will be posted on our website with an updated revision date.

Continued use of our website, services, communications, or products following publication of updates constitutes acceptance of the revised Privacy Policy.

Copyright 2026. Nuera Health Insurance . All Rights Reserved.