Wellnest Insurance

Privacy Policy

This Privacy Policy describes how Healthcare Brokers of America LLC ("we," "us," or "our") collects, uses, and shares information about you when you visit our website, contact us, or use our services, including SMS text messaging.

1. Information We Collect

We may collect the following types of information:

• Contact information — name, email address, phone number, mailing address
• Account information — username, password, and profile details
• Transaction information — purchase history, billing details, and payment method (we do not store full card numbers)
• Communications — messages you send us via email, contact forms, or SMS text messaging
• Usage data — pages visited, time on site, referring URLs, browser type, and IP address
• Device information — device type, operating system, and unique device identifiers

2. How We Use Your Information

We use your information to:

• Provide, operate, and improve our services
• Process transactions and send related confirmations and notices
• Respond to your inquiries and provide customer support
• Send appointment reminders, order updates, and service notifications
• Send promotional communications (with your consent, where required by law)
• Comply with legal obligations and enforce our Terms of Service
• Detect, prevent, and address fraud or security issues

3. SMS / Text Message Communications

By providing your phone number and opting in, you consent to receive text messages from Healthcare Brokers of America LLC. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help.

We may send SMS messages for purposes including appointment reminders, insurance plan updates, account alerts, and promotional offers. You can opt out at any time by replying STOP to any message we send you. For assistance, reply HELP or contact us directly.

We do not sell, share, or rent your phone number or SMS opt-in data to third parties for their own marketing purposes.

4. Sharing Your Information

We do not sell your personal information. We may share it with:

• Service providers — vendors who help us operate our business (payment processors, SMS/email platforms, hosting providers) under strict confidentiality obligations
• Business partners — only with your explicit prior consent
• Legal authorities — when required by applicable law, court order, or to protect our rights and the safety of others
• Business transfers — in connection with a merger, acquisition, or sale of assets, with appropriate notice to you

5. Cookies & Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience, analyze site traffic, and deliver relevant content. You can control cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of our website.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with applicable legal obligations, resolve disputes, and enforce our agreements. When data is no longer needed, we securely delete or anonymize it.

7. Your Rights & Choices

Depending on your location, you may have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete information we hold about you
• Request deletion of your personal data
• Object to or restrict certain processing activities
• Withdraw consent at any time, including opting out of SMS by replying STOP
• Lodge a complaint with a relevant supervisory or regulatory authority

To exercise any of these rights, please contact us using the information provided in Section 11 below.

8. Security

We implement reasonable technical and organizational measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to use strong, unique passwords and notify us immediately of any suspected unauthorized access.

9. Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately and we will take prompt steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the revised policy on our website with an updated effective date. Your continued use of our services after any changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us: