Privacy Policy Last Updated: 01/22/25

At iHealth One Insurance, we protect and respect your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you access our website, use our services, or interact with us in any other way. We encourage you to read this Privacy Policy carefully to understand our views and practices regarding your personal data and how we will treat it.

By using our services, you agree to this Privacy Policy’s collection and use of information.

Information We Collect 

We collect information from you in the following ways:

a) Personal Information When you apply for or use our insurance products, we may collect the following personal information:

• Name
• Contact details (email address, phone number, mailing address)
• Date of birth
• Gender
• Social Security number (or similar identification numbers)
• Employment details (if applicable)
• Health history and medical information (if relevant for certain insurance plans)
• Payment information (such as credit card numbers and billing addresses)

b) Technical Data When you visit our website or use our online services, we may collect technical information automatically through cookies and other tracking technologies, including:

• IP address
• Browser type and version
• Pages visited
• Device type and operating system
• Time and date of visit

c) Third-Party Information We may collect information from third-party sources, such as credit bureaus, government entities, and other organizations that provide data relevant to your application or claim.

Compliance with the Telephone Consumer Protection Act (TCPA) We comply with the Telephone Consumer Protection Act (TCPA) in our communications with you. By providing your contact information, including your telephone number, you consent to receive calls and text messages from us or our service providers regarding your insurance policies, claims, and other services. These communications may be sent using automated technology. You may opt out of receiving promotional calls or messages at any time by contacting us or following the opt-out instructions provided in the communication.

How We Use Your Information

We use your personal information for the following purposes:

• To provide you with insurance products and services, including processing applications, claims, and payments
• To communicate with you about your policy, claims status, or any other necessary information
• To improve our services, including customer support and website functionality
• To comply with legal, regulatory, and contractual obligations
• To detect and prevent fraud, identity theft, and other unlawful activities
• To send marketing communications and promotions, if you have opted in to receive them
• To perform any other activities related to the provision of insurance services

Sharing Your Information 

We do not sell your personal information to third parties. However, we may share your information in the following situations:

• With third-party service providers: We may share your information with third-party companies that perform services on our behalf, such as payment processors, claims administrators, or IT service providers. These providers are obligated to handle your information securely and only for the purposes specified by us.
• With our affiliates and partners: We may share your information with other companies within the iHealth One Insurance family for the purposes outlined in this Privacy Policy.
• For legal reasons: We may disclose your information to comply with legal obligations, respond to legal processes (such as subpoenas or court orders), protect our rights or property, or prevent fraud or illegal activities.
• In business transfers: Your information may be transferred to the new owner as part of a merger, acquisition, or sale of assets.

Data Security We take the security of your personal information seriously. We implement industry-standard physical, electronic, and procedural safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. Despite our best efforts, no data transmission or storage system can be guaranteed 100% secure. Therefore, we cannot guarantee the absolute security of your information.

Your Rights and Choices 

You have the following rights regarding your personal information:

• Access: You have the right to request access to the personal information we hold about you.
• Correction: You have the right to request correction of any inaccurate or incomplete information.
• Deletion: You may request the deletion of your personal information, subject to certain legal and contractual exceptions.
• Opt-Out: You can opt out of receiving marketing communications from us at any time by following the unsubscribe instructions in the communication or contacting us directly.
• Data Portability: You may request a copy of your data in a structured, commonly used, and machine-readable format.

To exercise any of these rights, please contact us using the details provided below.

Cookies and Tracking

Technologies We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files placed on your device that help us analyze website usage, remember preferences, and personalize your experience. You can manage your cookie preferences through your browser settings, but please note that disabling certain cookies may affect the functionality of our website.

Retention of Data

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, as required by law, or for business purposes (e.g., to comply with regulatory requirements or resolve disputes). Once the data is no longer needed, it will be securely deleted.

Children’s Privacy 

Our services are not intended for individuals under 13; we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information from our records.

International Transfers

If you are located outside of the United States, please be aware that your personal information may be transferred to, stored, and processed in the United States or other countries that may not have the same data protection laws as your country of residence. By using our services, you consent to the transfer of your personal information to these locations.

Changes to This Privacy Policy 

We may update this Privacy Policy from time to time. Any changes to this Privacy Policy will be posted on this page, and the “Last Updated” date at the top will be revised accordingly. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Contact Us 

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

iHealth One Insurance Customer Support Team Phone: (954) 300-8971 Cell Email: info@ihealthinsuranceone.com

By using iHealth One Insurance’s website and services, you acknowledge that you have read and understood this Privacy Policy.