1. About This Policy
Apex Health Pros ("Apex Health Pros," "we," "us," or "our") is a licensed insurance advisory that helps individuals and families evaluate and enroll in health, life, and Medicare-related insurance products. This Privacy Policy describes how we collect, use, disclose, and safeguard information about consumers who visit our website (apexhealthpros.com and related pages), contact us, request a quote, book a consultation, or become a client.
By using our site or communicating with us, you agree to the practices described in this Policy. If you do not agree, please do not use the site or submit information to us.
2. Regulatory Scope
Our practices are designed to comply with the U.S. federal and state laws that apply to how we operate, including:
- The Gramm-Leach-Bliley Act (GLBA) and related insurance privacy regulations that govern financial and insurance information.
- The Health Insurance Portability and Accountability Act (HIPAA) to the extent we handle protected health information in connection with the products we broker.
- The Telephone Consumer Protection Act (TCPA) and FCC rules regarding phone calls, text messages, and prerecorded/autodialed communications.
- The CAN-SPAM Act for commercial email communications.
- State insurance privacy laws, including the NAIC Insurance Information and Privacy Protection Model Act as adopted by states in which we are licensed.
- State consumer privacy laws where applicable, including the California Consumer Privacy Act (CCPA/CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Connecticut Data Privacy Act (CTDPA), the Utah Consumer Privacy Act (UCPA), and other similar state laws as they take effect.
Apex Health Pros is headquartered in Georgia and primarily serves consumers across the United States. This site is not directed to individuals located outside the United States.
3. Information We Collect
We collect information you provide to us directly, information collected automatically, and information we receive from insurance carriers and other partners.
a. Information you give us
- Contact information — name, email address, phone number, mailing address.
- Demographic information — date of birth, gender, marital status, household composition, and ZIP code (used to determine coverage eligibility and quote pricing).
- Health-related information — general information you choose to share about your health, medications, or coverage needs so we can recommend suitable products.
- Financial information — income range and, when you enroll, payment or bank account details required by the carrier.
- Government identifiers — Social Security Number, Medicare Beneficiary Identifier, or immigration status when required by a carrier to underwrite or enroll a policy.
- Communications — the content of messages, forms, call recordings (where permitted by law and disclosed), and appointment notes.
- Account credentials — if you create a client login, your name, email, and a hashed password.
b. Information collected automatically
- Device and browser information (browser type, operating system, screen size).
- Log data (IP address, pages viewed, referring URL, timestamps).
- Cookies and similar technologies used to operate the site, remember preferences, and measure traffic. See Section 8.
c. Information from third parties
- Insurance carriers and enrollment platforms (application status, plan details, commissions data).
- Identity, eligibility, and underwriting service providers used by carriers.
- Referral partners who introduce you to us, with your consent.
4. How We Use Information
We use the information we collect to:
- Provide quotes, compare plans, and enroll you in insurance products you request.
- Communicate with you about your inquiries, applications, policies, renewals, and account.
- Schedule and confirm consultations, including sending calendar invitations and reminders.
- Verify your identity and comply with carrier, state, and federal requirements.
- Operate, maintain, secure, and improve our website and services.
- Detect, prevent, and respond to fraud, abuse, and security incidents.
- Comply with legal obligations, including record-keeping required by state departments of insurance.
We do not sell your personal information for money. We do not use your health information for targeted advertising.
6. Communications, Calls, and Text Messages (TCPA)
When you submit a form, book a consultation, or check a TCPA consent box on our site, you expressly authorize Apex Health Pros and our licensed agents to contact you at the phone number and email address you provide — including by phone call, prerecorded or artificial voice message, text (SMS/MMS), and email — using automatic telephone dialing systems or other technology, for purposes related to your inquiry and any insurance products we offer.
Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. You can opt out of marketing communications at any time by replying STOP to any text message, clicking unsubscribe in any marketing email, or emailing support@apexhealthpros.com. We may still contact you about active applications or policies as necessary to service your account.
7. How Long We Keep Information
We keep personal information for as long as reasonably necessary to provide our services, service your policies, respond to inquiries, comply with legal and regulatory record-keeping requirements imposed on licensed insurance producers (which in many states requires retention for several years after the end of the relationship), and enforce our agreements.
9. Security
We use administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of the information we hold. These include encryption of data in transit, restricted access controls, secure hosting, and vendor due diligence. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.
10. Your Privacy Rights
Depending on where you live, you may have some or all of the following rights:
- Access — request a copy of the personal information we hold about you.
- Correction — request that we correct inaccurate information.
- Deletion — request deletion of personal information, subject to legal and regulatory exceptions (for example, insurance record-keeping obligations).
- Portability — request a copy of certain information in a portable format.
- Opt-out of certain uses of personal information, including targeted advertising and any "sale" or "sharing" as defined by state law. We do not sell your personal information for money.
- Withdraw consent to future marketing communications at any time.
- Non-discrimination for exercising your privacy rights.
To exercise a right, email support@apexhealthpros.com or call 912-654-0065. We will verify your identity before acting on your request. You may designate an authorized agent to act on your behalf where the law permits; we may require the agent to provide proof of authority.
California residents: the categories of personal information described in Section 3 correspond to the CCPA/CPRA categories of identifiers, customer records, protected classifications, commercial information, internet or electronic activity, geolocation (general), professional or employment information (when provided), and inferences. You have the rights described above, including the right to limit the use of sensitive personal information.
11. Children
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
12. Changes to This Policy
We may update this Policy from time to time. When we do, we will revise the "Effective" date above and, where appropriate, provide additional notice (such as by email or a prominent notice on the site). Your continued use of the site after changes take effect constitutes acceptance of the updated Policy.
13. Contact Us
Questions, requests, or complaints about this Privacy Policy? Contact us at:
Apex Health Pros
401 N. Veterans Blvd.
Glennville, GA 30427
Phone: 912-654-0065
Email: support@apexhealthpros.com
This Privacy Policy is provided for informational purposes and does not create an attorney-client relationship or constitute legal advice.