🔒 PRIVACY POLICY

Effective Date: January 1, 2021

Last Updated: May 1, 2026

1. Who We Are

Health Benefits 360 LLC is a licensed health insurance agency committed to helping individuals, families, students, and businesses navigate the Affordable Care Act (ACA), Medicare, and group health plan options.

2. What Information We Collect

We may collect the following information when you use our website or services:

  • Personal Information: Name, phone number, email address, zip code, date of birth, household income

  • Application Details: Information related to your health coverage needs or eligibility for insurance plans

  • Website Usage: IP address, browser type, device data, and site usage behavior

  • SMS Communications Data: Mobile phone numbers and SMS opt-in status when provided through our forms or in the course of doing business with us

3. How We Use Your Information

We use your information to:

  • Respond to inquiries and service requests

  • Determine eligibility and present appropriate health insurance options

  • Submit health plan applications (with your consent)

  • Communicate updates and reminders (e.g., renewals, policy changes)

  • Send SMS text messages related to your insurance enrollment, account servicing, and inquiries

  • Improve website functionality and user experience

4. How We Share Your Information

We may share your information:

  • With health insurance carriers and government marketplaces to complete your application

  • With third-party service providers who help us run our business (e.g., secure form vendors, CRM tools)

  • As required by law or to comply with legal processes

We do not sell your personal information.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

5. SMS / Text Messaging Communications

By providing your mobile phone number to Health Benefits 360, you expressly consent to receive SMS text messages related to your insurance enrollment, account servicing, and inquiries.

  • Program description: We use SMS to send enrollment confirmations, renewal reminders, document requests, payment notifications, plan information, and responses to your inquiries about your insurance accounts.

  • Message frequency: Message frequency varies based on the nature of your account and ongoing inquiries.

  • Message and data rates: Standard message and data rates may apply depending on your carrier.

  • Opting out: You may opt out at any time by replying STOP to any text message. After opting out, you will receive a confirmation message and we will cease sending SMS messages to your number.

  • Revoking consent: You may revoke your SMS consent at any time by replying STOP, contacting us directly, or updating your communication preferences with our team.

6. Data Security

We take reasonable administrative and technical steps to protect your information. However, no method of transmission over the internet is 100% secure.

7. Your Rights

You may:

  • Request access to your personal data

  • Ask for corrections or deletions

  • Opt out of marketing communications at any time

  • Opt out of SMS communications at any time by replying STOP

8. Third-Party Links

Our website may include links to third-party websites. We are not responsible for the privacy practices or content of those sites.

9. Contact

If you have questions about this privacy policy or your data, please contact us at:

📧 info@healthbenefits360.com 📞 (973) 315-7897