Privacy Policy

Introduction

Healius Insurance Advisors (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you engage with our services, including using Application-to-Person (A2P) messaging via Twilio’s 10DLC technology for business communication and how we ensure that your information, or your consent to use your information, is never sold, shared, or transferred without your explicit permission.

Who We Are

We provide comprehensive insurance advisory services to individuals, families, and businesses. Whether it’s safeguarding yourself, protecting your loved ones, or securing peace of mind, we are here to help you navigate the complex landscape of health insurance.

Information We Collect

We may collect and process the following personal information when you interact with our website or services:

• Identifiers: Name, email address, phone number, and other contact details.
• Message Content: SMS/MMS messages sent or received as part of our services.
• Cookies: We use cookies to save your name, email, and website when you leave comments, lasting for one year.
• Website Interaction: Information about your interactions with our embedded content (videos, articles) and linked third-party sites.
• Business Information: If you are a business client, we may collect business name, tax ID, and campaign use cases for A2P 10DLC compliance.

How We Use Your Information

We use your information to:

1. Provide personalized insurance advice and customer support.
2. Assist with the application or claims process
3. Register and verify your business for A2P 10DLC compliance.
4. Send marketing, transactional, or regulatory messages with your consent.
5. Improve our website’s functionality and user experience through cookies and analytics. 

Protection of your information

• Encryption of sensitive data.
• Access controls limiting who can view your information.
• regular monitoring of our systems for security vulnerabilities. 

No sharing of personal information

We do not sell, trade, transfer, or otherwise share your personal information or your consent to use your personal information. Specifically:

• Your personal information will not be sold or transferred to third parties for marketing or other purposes without your explicit consent.
• Your consent itself is not transferable or subject to sale. We will not transfer your consent to another party or entity without your express permission.

Your information and consent will only be shared in the following circumstances:

• When legally required (e.g., by law or court order).
• With trusted service providers who assist us in operating our business, and only if they agree to keep your information confidential.

Consent and Opt-In for Messaging

For compliance with A2P 10DLC and U.S. telecom regulations, we obtain your explicit consent before sending any marketing or promotional messages. Consent may be collected through web forms, text replies, or other documented mechanisms that allow us to verify your approval.

• Opt-In Records: We retain records of your consent for regulatory compliance and dispute resolution.
• Transactional Messages: These messages do not require explicit consent but must be directly related to your ongoing relationship with us.

Embedded Content from Other Websites

Articles on our site may include embedded content, such as videos or articles, from other websites. These third-party sites may collect data, use cookies, or embed tracking tools that monitor your interaction.

Data Security

We implement industry-standard security measures, including encryption and restricted access, to protect your data against unauthorized access and disclosure. Sensitive data is encrypted both in transit and at rest.

A2P Compliance and User Rights

You may opt out at any time by replying “STOP” to any SMS message, or by contacting us directly. We promptly honor all opt-out requests in accordance with industry standards and regulations.

We retain messaging records, consent logs, and related data for a minimum period required by U.S. telecom regulations to demonstrate compliance and manage potential disputes.

How Long We Retain Your Data

If you leave comments, the comment and metadata are stored indefinitely. For users who register on our site, personal data in profiles is retained until you delete it. Website administrators can also see and edit this information.

Your Rights Over Your Data

You have the right to:

• Request an export of your personal data.
• Request deletion of your data, excluding information retained for legal or security reasons.
• Withdraw consent for specific uses of your information.
• Opt out of receiving messages at any time by following the opt-out instructions provided.

Updates to This Policy

We may modify this Privacy Policy to reflect changes in our practices or regulations. Any updates will be posted on this page. Significant changes will be communicated through email or SMS notifications where applicable.