Who we are
This policy applies to Harborlight Benefits and to this website. You can reach us at hello@harborlightbenefits.com, by phone at (727) 555-0241, or by mail at 2210 Central Avenue, Suite 4, St. Petersburg, FL 33712.
Information we collect
We only collect what we need to respond to you and provide our services.
- Contact details you give us, such as your name, email address, phone number and address.
- Details about the service you are requesting, entered in quote, booking or contact forms.
- Technical data such as browser type, device and pages visited, collected through cookies you allow.
- Records of our communications with you, including calls, emails and messages.
How we use your information
We use personal information to:
- Respond to enquiries and prepare quotes or appointments.
- Deliver, schedule and follow up on the services you request.
- Send service reminders and, where you have agreed, occasional offers.
- Improve our website and meet our legal and regulatory obligations.
Sharing
We do not sell your personal information. We share it only with trusted providers who help us run our business, such as scheduling, payment and email platforms, and only under agreements that require them to protect it. We may disclose information where the law requires it.
Retention and security
We keep information only as long as we need it for the purposes above or as required by law. We use administrative, technical and physical safeguards appropriate to the sensitivity of the data.
Your choices and rights
Depending on where you live, you may have the right to access, correct, delete or restrict the use of your personal information, and to opt out of marketing at any time. Contact us using the details above and we will respond within 30 days.
Health information and HIPAA
To compare plans we collect information that is sensitive: the medications you take, the providers you see, and sometimes health history for policies that are medically underwritten. We treat that information as protected health information and limit its use to preparing and servicing your coverage.
We disclose it only to the carriers you ask us to quote or apply to, to the enrolment platforms required to submit an application, and where the law requires. We do not sell it, and we do not share it with marketing partners or lead buyers.
- Medication lists and provider lists are used to compare formularies and networks, and for nothing else.
- Scope of appointment records for Medicare discussions are retained for the period CMS requires.
- Recorded calls, where a carrier or regulator requires recording, are stored under the same restrictions.
- You may ask us to delete your file at any time, subject to the retention periods regulators impose on us.
Medicare marketing and contact rules
Medicare-related contact is governed by federal marketing rules. We contact you about Medicare products only where you have given us permission to do so, and we record that permission. You can withdraw it at any time by telling us, and we will stop.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Changes to this policy
We may update this policy from time to time. The date at the top of this page shows when it last changed.
Required Medicare notices
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.