Legal & Privacy
Privacy Policy
1. Introduction
Health Palm Beach Insurance Advisors, LLC (“Health Palm Beach Insurance Advisors,” “HPB,” “we,” “us,” or “our”) respects your privacy and is committed to handling personal information responsibly.
This Privacy Policy explains the information we may collect, how we use and share it, and the choices available to you when you visit our website, contact us, schedule an appointment, request insurance information or use our services.
By using this website, you acknowledge the data practices described in this Privacy Policy. Where consent is required by law, we will request it separately.
2. Information We May Collect
Depending on how you interact with us, we may collect:
Your name, email address, telephone number and mailing address
Your date of birth, ZIP code, age range or other demographic information
Appointment details and communication preferences
Insurance-related information you voluntarily provide, including current coverage, coverage preferences, doctors, prescriptions, eligibility information and anticipated insurance needs
Information needed to request quotes, compare available insurance options or assist with an application or enrollment
Communications you send to us by email, telephone, text message, website form or another method
Information provided by insurance companies, service providers or other sources when permitted by law
Technical information such as IP address, browser type, device type, referring page, pages visited and interactions with our website
Please do not submit Social Security numbers, financial-account information, medical records or other highly sensitive information through a general website contact form unless specifically requested through an appropriate secure process.
We do not knowingly collect personal information directly from children under 18, and our website and services are not directed to children.
3. How We Use Information
We may use personal information to:
Respond to questions and requests
Schedule and manage appointments
Provide insurance information and educational guidance
Help compare insurance products and coverage options offered through the insurance companies we represent
Request quotes or assist with applications and enrollments when authorized
Communicate about appointments, applications, coverage, services or client-support matters
Provide ongoing service to clients
Send educational information, newsletters or event invitations when permitted or requested
Operate, maintain and improve our website, systems and client experience
Protect against fraud, unauthorized activity and security threats
Maintain business records and satisfy legal, regulatory, contractual and insurance-company requirements
Enforce our policies and protect our legal rights
We do not sell personal information or treat personal information as a commodity to be sold as a marketing lead.
4. How Information May Be Shared
We may disclose information when reasonably necessary to provide requested services or operate our business, including to:
Licensed insurance agents and authorized team members working with Health Palm Beach Insurance Advisors
Insurance companies, general agencies and quoting or enrollment platforms when needed to provide information, obtain quotes or process an authorized application
Service providers that support our operations, including customer relationship management, appointment scheduling, email, telephone, text messaging, website hosting, analytics, document management and information-security services
Professional advisers, auditors, consultants or legal representatives
Government agencies, regulators, law enforcement or other parties when disclosure is required or permitted by law
A successor organization in connection with a merger, acquisition, reorganization or transfer of business assets, subject to applicable legal requirements
Service providers are authorized to use information only as necessary to perform services for us or as otherwise permitted by law and their applicable agreements.
We may also disclose information at your direction or with your authorization.
5. Data Security and Retention
We maintain reasonable administrative, technical and organizational safeguards designed to protect personal information from unauthorized access, use, alteration or disclosure.
No website, electronic transmission or information-storage system can be guaranteed to be completely secure. You should therefore use care when submitting information electronically.
We retain personal information for as long as reasonably necessary to provide services, maintain business and insurance records, satisfy legal or regulatory obligations, resolve disputes, prevent fraud and enforce agreements.
Where specific privacy or security laws apply to our activities, we seek to handle information in accordance with those requirements.
6. Cookies, Analytics and Website Technology
Our website may use cookies, pixels and similar technologies to operate the site, remember preferences, understand website traffic and improve performance.
These technologies may collect information such as:
IP address
Browser and device type
Referring website
Pages visited
Approximate location derived from an IP address
Dates, times and duration of website interactions
Advertising or device identifiers, when applicable
Some information collected through these technologies may be considered personal information depending on the technology, context and applicable law.
You may adjust cookie settings through your browser or device. Disabling cookies may affect the operation of certain website features.
7. Your Choices and Requests
Subject to applicable law, verification requirements and required record-retention obligations, you may request:
Access to certain personal information we maintain about you
Correction of inaccurate information
Deletion of certain information
Withdrawal of consent where processing depends on consent
Removal from nonessential marketing communications
To make a privacy request, email [email protected] or call (561) 896-8992.
We may need to verify your identity before completing a request. We may also retain information when required for legal, regulatory, fraud-prevention, insurance, contractual or recordkeeping purposes.
You may unsubscribe from marketing emails using the unsubscribe link included in the message.
8. Third-Party Websites and Services
Our website may link to insurance companies, government resources, scheduling services, quoting tools, community partners or other third-party websites.
Health Palm Beach Insurance Advisors does not control the security, content or privacy practices of independently operated websites. Information submitted directly to a third party is governed by that third party’s privacy policy and terms.
A link to an external website does not necessarily constitute an endorsement of every product, service, statement or practice offered by that organization.
SMS Messaging Terms
9. SMS Consent
When you provide a mobile telephone number and affirmatively opt in, you agree to receive customer-care and conversational text messages from Health Palm Beach Insurance Advisors at the number provided.
Message frequency varies. Message and data rates may apply.
Reply STOP to opt out. Reply HELP for assistance. You may also contact us at [email protected] or (561) 896-8992.
Consent to receive text messages is not a condition of purchasing an insurance product or service.
10. Mobile Information and Opt-In Data
Mobile opt-in information and consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.
Information may be provided to service providers that support delivery and operation of our messaging program, such as telecommunications, customer-service and technology providers. Such providers may use the information only to perform services on our behalf or as otherwise permitted by law.
Text-message originator opt-in data and consent will not be shared with unaffiliated parties for their own marketing or promotional purposes.
Carriers are not liable for delayed or undelivered messages. Message delivery is subject to the availability and operation of participating wireless networks.
11. Opting Out of Text Messages
You may opt out at any time by replying STOP to a message.
After opting out, you may receive one final message confirming your request. You will no longer receive messages through that SMS program unless you later provide a new opt-in.
For assistance, reply HELP, call (561) 896-8992, or email [email protected].
Insurance and Medicare Disclosures
12. Independent Insurance Agency
Health Palm Beach Insurance Advisors, LLC is an independent insurance agency based in Palm Beach County, Florida. We assist consumers in Florida and other states where properly licensed.
Product availability, eligibility, insurance companies and services vary by location and individual circumstances.
Health Palm Beach Insurance Advisors may receive compensation from an insurance company when an enrollment or insurance transaction occurs. Consumers do not pay an additional fee to Health Palm Beach Insurance Advisors for using our insurance guidance unless a separate fee arrangement is expressly disclosed and agreed to in writing.
13. Medicare Disclosure
Health Palm Beach Insurance Advisors is not affiliated with or endorsed by Medicare, Medicaid, the Centers for Medicare & Medicaid Services or any other federal or state government agency.
We do not offer every Medicare plan available in every area. Currently, we represent 8 organizations offering TBD products in your area. Please contact Medicare.gov, call 1-800-MEDICARE, or contact your State Health Insurance Assistance Program for information about all available options.
Plan availability, premiums, benefits, provider networks, formularies, pharmacies and cost-sharing may vary by plan and service area. Enrollment is subject to eligibility, applicable enrollment periods and contract renewal.
14. Educational Information
Information presented on this website is provided for general educational and informational purposes. It should not be considered legal, tax, investment, financial or medical advice.
Insurance-product descriptions are general summaries and are not complete statements of coverage. Policy contracts, evidence-of-coverage documents and official insurance-company materials control the actual terms, limitations, exclusions and benefits.
Insurance and annuity products are subject to eligibility, suitability requirements, underwriting when applicable and insurance-company approval. Guarantees associated with an insurance or annuity product are backed by the claims-paying ability of the issuing insurance company.
You should consult an appropriately qualified attorney, tax professional, financial professional or healthcare provider regarding advice specific to your circumstances.
Website Terms and Intellectual Property
15. Permitted Website Use
This website is provided for lawful, personal and informational use.
You may not use the website to:
Violate applicable law
Attempt to gain unauthorized access to the website, systems or information
Introduce malicious software or interfere with website operation
Misrepresent your identity or submit false information
Copy or use protected content for unauthorized commercial purposes
Engage in conduct that infringes the rights of Health Palm Beach Insurance Advisors or another party
16. Copyright and Intellectual Property Notice
© 2026 Health Palm Beach Insurance Advisors, LLC. All rights reserved.
Unless otherwise indicated, original text, graphics, logos, branding and design elements on this website are owned by or licensed to Health Palm Beach Insurance Advisors, LLC and are protected by applicable copyright, trademark and intellectual-property laws.
Some photographs, fonts, software, icons and other materials may be owned by third parties and used under license or with permission.
No protected portion of this website may be reproduced, distributed, modified, displayed, transmitted or used for an unauthorized commercial purpose without prior written permission from the applicable rights holder.
“Health Palm Beach Insurance Advisors,” the Health Palm Beach name, associated logos and related branding may not be used in a manner that falsely suggests sponsorship, affiliation, approval or endorsement.
17. Website Availability and Accuracy
We work to keep website information accurate and current, but we do not guarantee that every page will always be complete, error-free or continuously available.
Insurance laws, Medicare rules, insurance-company offerings, costs, provider networks and product availability may change. Website content may be revised without notice.
Contact us or consult the applicable insurance company’s official materials before relying on website information to make an insurance decision.
18. Limitation of Liability
To the extent permitted by law, Health Palm Beach Insurance Advisors is not responsible for losses arising solely from reliance on general website information, interruption of website availability, unauthorized third-party conduct or independently operated third-party websites.
Nothing in this section limits rights or responsibilities that cannot legally be limited.
Policy Updates
19. Changes to These Policies
We may update these Legal and Privacy policies periodically to reflect changes in our services, technology, business practices or legal obligations.
Revisions will be posted on this page with an updated “Last Updated” date. Where required by law, we will provide additional notice or obtain consent before applying a material change.
Contact Information
20. Contact Us
Questions about these policies, our privacy practices or our communications may be directed to:
Health Palm Beach Insurance Advisors, LLC
Palm Beach County, Florida
Email: [email protected]
Phone: (561) 896-8992
Website: www.HealthPalmBeach.com
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