Privacy Policy

This Privacy Policy explains how Summit Health Advisors ("Summit Health," "we," "us") collects, uses, stores, and shares information when you visit https://summithealthad.com or interact with our advisors. It is written for consumers and is provided for transparency. It is not legal advice and should be reviewed by qualified counsel before publication.

1. Information we collect

We collect only information reasonably needed to help you evaluate and enroll in health coverage:

• Contact details you submit — name, email, phone, state, coverage interest, and any message you send through our forms.
• Information collected later, with your knowledge — if you decide to work with us, we may collect additional details (e.g. date of birth, household size, tobacco status, income used for subsidy analysis) directly or via a secure carrier enrollment portal.
• Technical information — approximate location, device, and browser data your browser sends when it loads pages; basic logs for security and diagnostics.
• Cookies and analytics — small text files that help pages function and, if analytics are enabled, help us understand aggregate site usage.

2. How we use information

• Respond to quote requests and inquiries.
• Help you compare, apply for, and maintain health insurance.
• Contact you about your request, renewals, or important notices.
• Operate, secure, and improve this website.
• Comply with legal and regulatory obligations.

3. When we share information

We do not sell your personal information. We share it only when needed:

• With insurance carriers you choose to apply with.
• With service providers who help us run this site or communicate with you (for example, email delivery or hosting), under contracts that limit their use of your data.
• When required by law, regulation, or valid legal process.

4. Storage and security

We store information in access-controlled systems and use industry-standard protections such as encryption in transit. No online transmission is 100% secure — please do not send sensitive medical or financial account details through public forms or email.

5. Your choices and rights

• You can request a copy of the information we have about you.
• You can request that we correct or delete your information, subject to legal and record-keeping requirements.
• You can opt out of marketing calls, texts, or emails at any time by replying STOP, clicking unsubscribe, or telling us during a call.
• Depending on your state, you may have additional rights (for example under the CCPA/CPRA in California) — contact us to exercise them.

6. Cookies and analytics

This site uses cookies necessary for site function. If analytics are enabled in the future, we will not send personally identifying information (such as name, email, phone, or date of birth) into analytics platforms.

7. Children

This site is not directed to children under 13, and we do not knowingly collect personal information from them.

8. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date above.

9. Contact us

Questions or requests about this policy? Email summithealthus@gmail.com or call (786) 669-9257.

OWNER VERIFICATION REQUIRED — please have this Privacy Policy reviewed by qualified legal counsel and update any specifics (regulatory disclosures, state-specific rights, analytics vendors used, retention periods) before treating it as final.