Privacy Policy

Effective August 28, 2026 · Version 2026-08-28.v4-shm · Draft — requires review by licensed counsel before launch.

The short version

We collect only what we need to advise you on health coverage.
We never sell your personal information, and we don't share it with other marketers.
We never ask for medical history on this website.
You can opt out of any communication, or ask us to delete your data, at any time.

What we collect

What you give us: name, email, phone, date of birth (health plans are priced by age), ZIP code and state, household size, coverage situation, timeline, budget range, network preferences, optional doctor/hospital names, and optional wellness interests you choose to share.
Consent records: the exact consent wording version, timestamp, and source page for every submission — kept so we can prove we only contact people who asked us to.
Basic technical data: the page you arrived from and standard web logs.
ZIP-code location lookup: to show you the right city and state, your ZIP code may be sent to a third-party location-lookup service. Only the ZIP code is sent — never your name, email, phone number, or anything else about you — and the service returns only a city and state. It is not used for advertising and your information is not sold to it.
Unfinished coverage checks: if you begin the coverage check and leave without submitting it, we record how far you got and the coverage answers you had given by that point — ZIP code and state, coverage situation, timeline, household size, budget range, network preference, and any plan features you selected. We do this to understand where the form loses people and to improve it. We do not record your name, email address, or phone number unless you complete and submit the form, so an unfinished check cannot be used to contact you. You can ask us to delete these records using the contact details below.
Advertising measurement: if you arrive from one of our ads, Google's conversion tag records that your coverage check was completed so we can measure our campaigns. This is aggregate campaign measurement — it is not used to build a profile of you, and we do not run third-party ad-network trackers beyond it.

What we deliberately do NOT collect on this site

Medical records, diagnoses, prescriptions, or claims history
Social Security numbers or financial account numbers
Any information about children

If a private plan requires medical underwriting, that happens later, directly with the insurance carrier through its own secure application — with your knowledge, at your choice.

How we use your information

To prepare your coverage-fit summary and advise you
To contact you in the ways you consented to
To obtain quotes from carriers you ask us to check
To meet insurance-regulatory record-keeping obligations

Who we share it with

Insurance carriers — only when you ask us to pursue a quote or application
Licensed advisor partners in the SmartHealthMatch network — only when the advisor matched to you is the one licensed in your state, and only to serve your request
Service providers that run our website, forms, CRM, and scheduling — under confidentiality obligations, and only to operate this service
No one else. We do not sell, rent, or trade your information.

Your choices and rights

Opt out any time: reply STOP to texts, use the unsubscribe link in emails, or tell us on a call. We keep a suppression list so you stay opted out.
Access, correction, deletion: email and we will honor your request within 30 days, except records we are legally required to retain (such as consent and policy records), which are kept only as long as the law requires and then deleted.
Residents of California and other states with privacy laws have additional rights, including the right to know and the right to delete; the contact above handles those requests too.

Security & retention

Form submissions are transmitted over HTTPS and stored in access-controlled systems. Lead records that never become client relationships are deleted after 24 months. Consent records are retained for the period required by applicable law.