Legal Policies

Copyright & Intellectual Property Notice

© 2025 Health Palm Beach Insurance Advisors, LLC. All rights reserved.

This website and its entire contents—including but not limited to text, graphics, images, logos, icons, downloads, software, and design—are the exclusive property of Health Palm Beach Insurance Advisors, LLC (“HPB Insurance Advisors,” “we,” “us,” or “our”), and are protected under United States and international copyright, trademark, and intellectual property laws.

No part of this website may be reproduced, distributed, modified, displayed, transmitted, or otherwise used for any commercial purpose without the express written consent of HPB Insurance Advisors.

“Health Palm Beach Insurance Advisors” and related logos are proprietary marks and may not be used without prior written authorization. Unauthorized use constitutes infringement and may result in civil and criminal penalties.

Privacy Policy

Effective Date: October 1, 2025
Last Updated: October 1, 2025

1. Introduction

Health Palm Beach Insurance Advisors, LLC (“HPB Insurance Advisors,” “we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes the types of information we collect, how we use it, and the rights and choices available to you.

By accessing or using our website, services, or submitting your information, you agree to the terms of this Privacy Policy and consent to the collection, use, and disclosure of information in accordance with this Policy.

2. Information We Collect

We may collect personal and non-personal information, including:

  • Name, date of birth, email address, phone number, and mailing address

  • Demographic information (such as ZIP code and age range)

  • Insurance-related details you voluntarily provide, such as coverage preferences, prescription information, or Medicare eligibility

  • Information obtained from insurance carrier partners and public databases, where permitted by law

  • Technical information (IP address, browser type, device data, referring pages, and usage analytics)

We do not knowingly collect information from individuals under 18 years of age.

3. How We Use Your Information

We use collected information to:

  • Provide insurance quotes, plan recommendations, and enrollment support

  • Communicate with you about your requests, policy options, or appointments

  • Maintain compliance with applicable state and federal regulations

  • Improve our website, marketing, and client experience

  • Send newsletters or event invitations (only if you consent or opt in)

Your personal information will never be sold. It is shared only as necessary with:

  • Licensed agents employed or contracted by HPB Insurance Advisors

  • Authorized third-party vendors that perform services on our behalf (e.g., CRM systems, quoting tools, or appointment scheduling)

  • Insurance carriers, when needed to obtain quotes or complete applications

  • Government or regulatory agencies, when legally required

4. Data Security

We maintain administrative, technical, and physical safeguards in compliance with HIPAA and GLBA standards to protect personal information against unauthorized access, alteration, disclosure, or destruction. Despite these measures, no system is 100% secure, and you acknowledge this risk when using our website.

5. Cookies & Analytics

Our website may use cookies and similar technologies to enhance functionality and analyze site traffic. Cookies may collect anonymous data but do not personally identify you. You may disable cookies through your browser settings, though some features of the website may not function properly as a result.

6. Your Rights & Choices

You have the right to:

  • Request access to, correction of, or deletion of your personal data

  • Withdraw consent for marketing communications at any time

  • Opt out of cookies or analytics tracking

Requests may be submitted by email to Privacy@HealthPalmBeach.com.

Marketing communications comply with the CAN-SPAM Act and Telephone Consumer Protection Act (TCPA). You may opt out of emails by using the “unsubscribe” link or stop text messages by replying “STOP.”

7. Third-Party Links

Our website may contain links to third-party websites (such as insurance carriers or partners). HPB Insurance Advisors is not responsible for the content or privacy practices of those external sites. We encourage you to review the privacy policies of any third-party website you visit.

8. Legal Basis & Compliance

HPB Insurance Advisors operates in compliance with all applicable laws and regulations, including but not limited to:

  • HIPAA – regarding protection of personal health information

  • GLBA (Gramm-Leach-Bliley Act) – regarding consumer financial information

  • CMS Medicare Marketing Guidelines – regarding communications with Medicare beneficiaries

  • CAN-SPAM Act and TCPA – regarding electronic and phone communications

  • Florida Information Protection Act (FIPA) – regarding data security and breach notification

9. Updates to This Policy

We reserve the right to amend or update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. Continued use of our website following changes constitutes your acceptance of the revised Policy.

10. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact:

Health Palm Beach Insurance Advisors, LLC
Palm Beach County, Florida
📧 Privacy@HealthPalmBeach.com
📞 (Add your business phone number)

✅ Disclaimer

Health Palm Beach Insurance Advisors, LLC is an independent insurance agency not affiliated with or endorsed by the U.S. government or the federal Medicare program. We represent multiple carriers and receive commissions directly from insurers; there is no additional cost to consumers for using our services.
Information on this site is for educational purposes only and should not be construed as legal, financial, or medical advice.