Privacy Policy & Legal

1. Who we are

ClearCall Health ("ClearCall Health," "we," "us," or "our") is an independent health insurance brokerage operated by [Company Legal Name], located in [city, state]. This Privacy Policy explains how we collect, use, share, and protect information when you visit clearcallhealth.com (the "Site") or schedule a call with us (together, the "Services"). By using the Services, you agree to this Privacy Policy and to the Terms of Use set out below.

2. Privacy at a glance

• We collect only what we need to call you at the time you choose: your name, your phone number, and your scheduling selection.
• We do not sell, rent, or trade your personal information to anyone, ever.
• We do not add you to marketing lists or share your number with lead buyers or "matching" services.
• We use your number to place the single call you scheduled and to send the confirmation and reminder for that call.
• You can opt out of messages at any time, and you can ask us to delete your information.

This summary is provided for convenience. The full sections below control if there is any conflict.

3. Information we collect

Information you give us

When you schedule a call, our scheduling provider collects your name, phone number, and the date and time you select. You may also choose to share an email address or notes about what you want to discuss.

Information collected automatically

Like most websites, we and our analytics providers may automatically collect limited technical information such as your IP address, browser type, device type, referring page, and pages viewed. This information is used in aggregate to keep the Site secure and to understand how it is used.

Information we do not collect

We do not ask for or store sensitive personal information through the Site, such as Social Security numbers, financial account numbers, or detailed medical records. Any information needed to apply for a specific plan is collected separately, only with your consent, at the point of enrollment.

4. How we use your information

• To place the single phone call you scheduled, at the time you chose.
• To send you a confirmation and a reminder for that appointment.
• To answer your questions and, only if you ask, to help you compare or enroll in a plan.
• To operate, secure, and improve the Site.
• To comply with legal obligations and to enforce our terms.

We do not use your information for unrelated marketing, and we do not build advertising profiles from it.

5. Text messaging (SMS) terms

When you schedule a call and provide your mobile number, you agree that we may send you text messages related to that appointment, such as a confirmation and a reminder. This is transactional messaging tied to a request you made.

• Consent: Providing your number and scheduling a call is your express consent to receive appointment related text messages from ClearCall Health. Consent to receive texts is not a condition of purchasing any product or service.
• Message frequency: Message frequency is limited and tied to your appointment. You should not expect recurring marketing texts.
• Opt out: You can opt out at any time by replying STOP to any message. After you reply STOP, we will not send you further messages except to confirm your opt out.
• Help: Reply HELP for help, or contact us using the details in the "How to contact us" section.
• Rates: Message and data rates may apply, depending on your mobile carrier and plan.
• Carriers: Mobile carriers are not liable for delayed or undelivered messages.

We do not share mobile information with third parties or affiliates for their own marketing purposes. Text messaging originator opt in data and consent are not shared with any third party except the messaging providers that help us deliver the messages you requested.

6. How we share information

We share information only in the limited ways described here:

• Service providers. We use trusted vendors to operate the Services, such as our scheduling provider, our messaging provider, and our website host. These vendors process information only on our instructions and only to provide their service to us.
• Insurance carriers, with your direction. If, and only if, you decide to apply for a plan, we share the information needed to process that application with the relevant carrier, with your consent.
• Legal and safety. We may disclose information if required by law, subpoena, or legal process, or to protect the rights, property, or safety of ClearCall Health, our clients, or others.
• Business transfer. If our business is involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to this Privacy Policy.

7. We do not sell your data

We do not sell, rent, lease, or trade your personal information, and we do not share it with lead buyers, lead aggregators, partner networks, or "matching" services. We do not "sell" or "share" personal information as those terms are defined under the California Consumer Privacy Act, as amended by the California Privacy Rights Act.

8. How long we keep it

We keep personal information only as long as needed for the purpose it was collected, such as completing your scheduled call and meeting recordkeeping or legal requirements that apply to licensed insurance professionals. When information is no longer needed, we take reasonable steps to delete or de identify it.

9. Your privacy rights

Depending on where you live, you may have rights regarding your personal information, including the right to:

• Know what personal information we have collected and how we use it.
• Request a copy of your personal information.
• Request correction of inaccurate personal information.
• Request deletion of your personal information.
• Opt out of the sale or sharing of personal information. As stated above, we do not sell or share your information.
• Not be discriminated against for exercising any of these rights.

To exercise any of these rights, contact us using the details in the "How to contact us" section. We will verify your request and respond within the time required by applicable law. You may use an authorized agent to submit a request on your behalf, subject to verification.

10. Cookies and analytics

The Site may use cookies and similar technologies, and privacy friendly analytics, to keep the Site working, remember preferences, and measure traffic in aggregate. You can control cookies through your browser settings. Blocking some cookies may affect how the Site functions. We do not use cookies to sell your information.

11. Data security

We use reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, or alteration. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. You are responsible for keeping any information you share with us confidential on your end.

12. Children's privacy

The Services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will delete it.

13. Insurance and licensing disclosures

ClearCall Health is an independent insurance brokerage. We are not a government agency and are not affiliated with, endorsed by, or connected to any federal or state government program, Medicare, Medicaid, the federal Health Insurance Marketplace, or healthcare.gov. Any reference to such programs is for informational purposes only.

Insurance products are offered through licensed agents. National Producer Number: [NPN]. We are licensed to transact insurance in the states where we are appointed and authorized; plan availability, carriers, pricing, and benefits vary by state, eligibility, and carrier underwriting, and are subject to change at any time. Submitting a request does not create coverage. No coverage is in force until an application is approved and issued by a carrier and any required premium is paid. Carrier names and logos shown on the Site are the property of their respective owners and are used to indicate the carriers whose plans we may compare; their display does not imply endorsement by those carriers.

14. No professional advice

Information provided on the Site and during a call is general in nature and is intended to help you understand your options. It is not, and should not be relied on as, legal, tax, financial, or medical advice. You should consult a qualified professional about your specific situation before making decisions. Coverage decisions are yours alone.

15. Terms of use and disclaimers

By using the Site you agree to use it only for lawful purposes and not to interfere with its operation, attempt to gain unauthorized access, or use it to harvest information about others. All content on the Site, including text, graphics, logos, and layout, is owned by or licensed to ClearCall Health and is protected by applicable intellectual property laws. You may not copy, reproduce, or republish it without our written permission.

THE SITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT, AND ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, ERROR FREE, OR SECURE. We do not warrant the accuracy or completeness of any information on the Site, including plan or carrier information, which may change without notice.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ClearCall Health AND ITS OWNERS, AGENTS, EMPLOYEES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THE SERVICES WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

17. Indemnification

You agree to indemnify and hold harmless ClearCall Health and its owners, agents, employees, and service providers from and against any claims, damages, losses, liabilities, and expenses, including reasonable attorneys' fees, arising out of or related to your misuse of the Site, your violation of these terms, or your violation of any rights of a third party.

18. Governing law and disputes

This Privacy Policy and your use of the Services are governed by the laws of the State of [state], without regard to its conflict of laws rules. You agree that any dispute arising out of or relating to the Services will be resolved exclusively in the state or federal courts located in [county, state], and you consent to personal jurisdiction there. Any claim must be brought within one year after it arises, to the extent permitted by law.

19. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Significant changes will be posted prominently on the Site. Your continued use of the Services after a change takes effect means you accept the updated policy.

20. How to contact us

If you have questions about this Privacy Policy or want to exercise a privacy right, contact us:

• Email: [privacy@clearcallhealth.com]
• Phone: [phone number]
• Mail: [Company Legal Name], [mailing address]