Privacy & Communications Policy

1. Introduction

This Privacy & Communications Policy describes how Clarity Health Insurance ("we," "us," or "our") collects, uses, and protects your personal information when you use our website, https://clarityhealthguard.com (the "Site"), and engage with our SMS (text message) and voice call communication services. This policy is designed to ensure our compliance with applicable privacy laws and telecommunication regulations, including the Telephone Consumer Protection Act (TCPA) and the Cellular Telecommunications Industry Association (CTIA) Best Practices.

2. Information We Collect

To provide you with our services and maintain compliance, we may collect the following categories of information:

• Contact Information: Your name, email address, physical address, and telephone number when you voluntarily provide it through our forms or correspondence.
• SMS/Voice Communication Data: When you consent to receive communications, we collect metadata including your phone number, message content, delivery timestamps, message logs, call recordings for quality assurance, and your responses (such as STOP or HELP commands).
• Usage Data and Cookies: Information about how you interact with our Site, such as your IP address, browser type, pages visited, and the dates/times of access. This is collected via cookies and similar analytics technologies.

3. How We Use Your Information

Your information is used for specific, transparent purposes:

• To Provide Services & Respond to Inquiries: To create and manage your account, process your requests for quotes or information, and deliver essential communications about your policy or our services.
• To Operate and Improve Our Services: To analyze usage trends, monitor the effectiveness of our Site, and enhance user experience. Call recordings and message logs help us with training, quality assurance, and service improvement.
• To Fulfill Legal and Regulatory Obligations: To maintain records of your consent as required by the TCPA, manage opt-out requests promptly, and comply with 10DLC (10-Digit Long Code) campaign registry requirements.

4. Express Consent & Opt-Out Procedures

We are fully committed to compliant and consent-based communication practices. We will not send you marketing SMS messages or place automated calls without your prior express written consent.

By providing your mobile phone number and opting in through a web form or other documented method, you provide express written consent for Clarity Health Insurance to contact you via SMS or voice call for informational and marketing purposes. Message frequency varies. Message and data rates may apply.

• How to Opt-Out (Revoke Consent): You may revoke your consent and opt out of our SMS communications at any time by replying STOP to any message you receive from us. You will receive one final confirmation message, and then you will be unsubscribed from that specific campaign. To opt out of voice calls, you can inform our representative during a call or by contacting our support team directly.
• How to Get Help: For assistance with our SMS service, reply HELP to any message. For additional support, please email us at [email protected] or call us at 123-456-7890 during our support hours (Monday - Friday, 9:00 AM - 5:00 PM Pacific Time).

5. Data Retention & Legal Basis

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with our legal obligations.

• Consent Records: Records demonstrating express written consent are retained for a minimum of four years, as recommended by TCPA guidelines.
• Communication Logs: SMS message logs and related metadata are retained for up to 24 months to ensure service quality and handle disputes.
• Legal Basis: Our legal basis for processing your data is your express consent for communications and the contractual necessity of providing you with our insurance services.

6. Cookies & Tracking Technologies

We use cookies to enhance your experience on our Site. A cookie is a small text file stored on your device. We use the following types:

• Essential Cookies: Necessary for the Site to function properly, such as maintaining a user session. These are typically session cookies, deleted when you close your browser.
• Performance Cookies: Allow us to analyze site traffic and user behavior to improve our services. These cookies may persist for a longer duration.

You can manage or disable cookies through your web browser's settings. Please note that disabling essential cookies may impact the functionality of our Site.

7. Data Sharing and Third-Party Disclosure

Clarity Health Insurance does not sell, rent, or share your personal information with third parties for their independent marketing or promotional purposes.

We may share your information with trusted third-party service providers (subprocessors) who perform essential functions on our behalf, such as website hosting, data analytics, and telecommunication services (e.g., telephony platforms for SMS/voice delivery). These providers are contractually obligated to protect your data, use it only for the services we have engaged them for, and maintain confidentiality.

8. Your Rights & Choices

You have rights concerning your personal information:

• Access and Correction: You have the right to request access to the personal information we hold about you and to request that any inaccuracies be corrected.
• Unsubscribe/Deletion: You can unsubscribe from our communications at any time as described in Section 4. You may also request the deletion of your personal data, subject to our legal and contractual retention obligations.

To exercise these rights, please contact us at [email protected].

9. Data Security

We implement a variety of technical and organizational security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include data encryption, access controls, and secure data storage protocols. However, no electronic transmission or storage system is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

10. Children’s Privacy

Our services and website are not intended for or directed at 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 promptly.

11. Changes to This Policy

We may update this Privacy & Communications Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this policy periodically to stay informed about how we are protecting your information.