Privacy Policy

1. Introduction

This Privacy Policy applies to all information collected by Clarity Health Insurance through our website, mobile messaging programs, and other related services. It describes our commitment to protecting your personal data and outlines your rights regarding the information we handle. This policy is designed to comply with all applicable regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA Messaging Best Practices.

2. Information We Collect

We collect information to provide and improve our services. We do not and will not sell your personal information to any third parties. The types of information we collect include:

• Contact Details:

  When you inquire about our services or sign up for communications, we may collect your name, phone number, and email address.

• SMS and Voice Communication Data:

  For the purposes of service delivery and legal compliance, we log messaging and call data. This includes your phone number, the content of messages sent between you and us, delivery receipts, timestamps, and call recordings for quality assurance and training. Consent to monitoring or recording is obtained at the start of any call subject to this practice.

• Usage Data and Cookies:

  We automatically collect information about how you interact with our website. This includes your IP address, browser type, device information, and pages visited. We use cookies and similar technologies to facilitate this. Please see our section on Cookies & Tracking Technologies for more details.

3. How We Use Your Information

Your information is used solely for the following purposes:

• To provide, operate, and maintain our services.
• To respond to your questions, comments, and requests for support.
• To send you transactional communications, policy updates, and information about your plan, including via SMS and phone calls, for which you have provided express consent.
• To improve our website, services, and marketing efforts through internal analysis.
• To comply with legal obligations, including those stipulated by the TCPA and carrier requirements for Application-to-Person (A2P) 10-Digit Long Code (10DLC) messaging.

4. Express Consent & Opt-Out Procedures

We are committed to communicating with you in a manner that respects your choices and is fully compliant with telecommunication regulations.

• Express Written Consent: We will not send you SMS marketing messages or place non-emergency calls using an autodialer without first obtaining your prior express written consent. Your consent is not a condition of purchasing any property, goods, or services.
• Opt-Out of SMS Messages: You can revoke your consent and opt-out of our SMS communications at any time. To stop receiving messages, reply STOP to any message you receive from us. You will receive one final confirmation message to confirm your opt-out. After this, you will no longer receive SMS messages from that number.
• Help and Support: If you need assistance, reply HELP to any message you receive from us. You can also contact our support team directly by emailing [email protected] or calling us at 123-456-7890 during standard business hours.

5. Data Retention & Legal Basis

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or to comply with legal and regulatory requirements.

• Contact and Account Information: Retained for the duration of your relationship with us and for a reasonable period thereafter as required by law.
• SMS and Voice Communication Logs: Message content, metadata, and call logs are retained for a minimum of 24 months to comply with telecommunication carrier and TCPA standards, and may be retained longer if required for legal or auditing purposes.
• Legal Basis for Processing: Our legal basis for collecting and using the information described above is your express consent and the necessity of processing this data to fulfill our contractual obligations to you.

6. Cookies & Tracking Technologies

We use cookies to enhance your experience on our website. Cookies are small data files stored on your device. We use the following types:

• Essential Cookies: These are necessary for the website to function and cannot be switched off. They are typically set in response to actions made by you, such as setting your privacy preferences or filling in forms.
• Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

You can set your browser to block or alert you about these cookies, but some parts of the site may not work as a result. We do not use marketing or targeting cookies.

7. Third-Party Service Providers

We may share your information with trusted third-party service providers (subprocessors) who perform services on our behalf. These include:

• Cloud hosting and data storage providers.
• Website analytics services.
• Telephony and SMS delivery platforms.

These providers are contractually obligated to protect your data and are prohibited from using your personal information for any purpose other than to provide the services we have requested. We do not sell, rent, or share your personal information with third parties for their own marketing purposes.

8. Your Rights & Choices

You have certain rights regarding your personal information. These include:

• Access: The right to request a copy of the personal information we hold about you.
• Correction: The right to request that we correct any inaccurate or incomplete information.
• Deletion: The right to request the deletion of your personal information, subject to our legal and contractual retention obligations.
• Unsubscribe: The right to unsubscribe from our communications at any time by replying STOP to any SMS message or by contacting us directly.
• Assistance: For any assistance or to exercise your rights, reply HELP to an SMS message or contact us at [email protected] or 123-456-7890.

9. Data Security

We implement a variety of technical and organizational security measures to protect the safety of your personal information. We use encryption, access controls, and secure data storage solutions to prevent unauthorized access, use, or disclosure. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure.

10. Children’s Privacy

Our services are not directed to or intended for use by individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such information, we will take steps to delete it as soon as possible.

11. 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 and updating the "Effective Date" at the top. We encourage you to review this policy periodically for any changes. Your continued use of our services after any modification constitutes your acceptance of the new terms.

For questions about this policy, please contact us at: