Harkins Health Insurance Solutions, Inc.

Effective Date: March 27, 2025

This Privacy Policy explains how Harkins Health Insurance Solutions, Inc. (“we”, “us”, or “our”) collects, uses, discloses, and protects your personal information when you visit and interact with our website (harkinshealth.com) and related services. By accessing or using our website, you agree to the practices described in this Privacy Policy.

Information We Collect

• Personal Information:
  We may collect personal information such as your name, email address, postal address, phone number, and any other information you voluntarily provide when you interact with our website, register for an account, fill out a form, or communicate with us.
• Automatically Collected Information:
  When you visit our website, our systems may automatically collect certain technical data (e.g., IP address, browser type, device information, and usage data) via cookies and similar technologies. For further details on our use of cookies, please refer to our Cookie Policy.

How We Use Your Information

We use your personal information to:

• Provide, operate, and maintain our website and services.
• Improve, personalize, and expand our website and user experience.
• Respond to your comments, questions, and requests.
• Process transactions and send you related information.
• Send periodic communications, including newsletters, service updates, and promotional materials (subject to your consent).

Business Phone Text Message Compliance

In compliance with current regulations regarding business phone text messages:

• Consent: If you provide us with your mobile phone number, you may be opted-in to receive text messages regarding updates, alerts, or promotional offers related to our services. We will obtain your explicit consent before sending any business text messages.
• Content and Frequency: Any text messages you receive will be limited to informational, transactional, or promotional content in compliance with applicable law.
• Opt-Out: You have the right to opt-out of receiving text messages at any time by following the instructions provided in the text message or by contacting us at [email protected].
• Compliance Assurance: We implement appropriate measures and review our procedures regularly to ensure adherence to all applicable business phone text message regulations.

Disclosure of Your Information

• Third-Party Service Providers:
  We may share your information with trusted third-party vendors who assist us in operating our website, conducting our business, or servicing you. These third parties are obligated to protect your data and use it only for the purposes for which we disclose it to them.
• Legal Requirements:
  We may disclose your information if required to do so by law or in response to a subpoena, court order, or other legal process.

Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your personal information against accidental, unlawful, or unauthorized destruction, loss, alteration, access, or disclosure. However, no method of transmission over the Internet or electronic storage is completely secure.

International Data Transfers

Your information, including personal data, may be transferred to—and maintained on—servers located outside your state, province, or country where data protection laws may differ from those in your jurisdiction. By using our services, you consent to the transfer of your information to countries that may have data protection laws different from those of your country.

Your Rights and Choices

Depending on your location, you may have rights regarding your personal information, including:

• Access and Correction: You may request access to and correction of your personal data.
• Opt-Out: You can opt-out of receiving marketing communications, including text messages, at any time.
• Deletion: You may request deletion of your personal data, subject to applicable legal obligations.

To exercise these rights or if you have any concerns about our use of your personal data, please contact us as described in Section 9 below.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set forth in this Privacy Policy or as required by law. When your personal information is no longer needed, we will take reasonable steps to securely delete or anonymize it.

Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our website after any modifications indicates your acceptance of the updated Privacy Policy.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the following methods:

• Mail:
  Harkins Health Insurance Solutions, Inc.
  4183 Franklin Rd, STE B1 PMB 221
  Murfreesboro, TN 37128
• Email:
  [email protected]