Privacy Policy

This Privacy Policy describes how Health Trust Financial, Inc. ("we," "our," or "us") collects, uses, and protects your personal information when you interact with our website, https://healthtrustfinancial.com (the "Site"), and through other communication channels including SMS.

If you have any questions, please contact us at:

1. Information We Collect

Automatically:

• IP address
• Location (approximate)
• Browser activity (clicked links, content viewed)

Provided by You:

• First and last name
• Date of birth
• Email address
• Phone number
• ZIP code and state
• Household size
• Type of coverage you are seeking
• Any information entered into web forms, including each step of our multi-step quote request

2. How We Use Your Information

We use your information to:

• Contact you via email, phone, or SMS
• Provide requested quotes or insurance information
• Connect you with a licensed advisor
• Send marketing and promotional messages, only if consent is provided
• Improve the performance and usability of our Site

3. SMS Communications and Consent (A2P 10DLC Compliance)

You will only receive SMS messages from Health Trust Financial if you voluntarily opt in through a form or checkbox that clearly indicates you agree to receive such communications. Consent is not a condition of purchase. Submitting your phone number without checking the consent box does not enroll you in SMS messaging.

If you do opt in, messages may include service updates, insurance information, or promotional content. Message and data rates may apply.

Opt-Out Method: Reply STOP to any SMS message at any time.
Help: Reply HELP, or contact us at (888) 912-5351.

4. Sharing of Personal Information

We may share your data with:

• Internal team members to fulfill your requests
• Licensed insurance agents and marketing agencies for communication and service purposes
• Insurance carriers as necessary to obtain quotes or process an application
• Third parties for advertising and analytics, only as necessary

We do not sell your personal information, and we do not share it with third-party lead buyers. Data is only shared to the extent required to serve you effectively.

We use advertising and analytics technologies that may share information about your activity on this Site with third parties for cross-context behavioral advertising. You can opt out at any time using the "Your Privacy Choices" link in the footer of every page.

5. Data Retention

We retain your data only as long as needed for the purposes for which it was collected, or as required by law.

6. Your Privacy Rights

Depending on where you live, you may have specific rights regarding your personal information. Health Trust Financial extends the following rights to all users of this Site, regardless of state.

You have the right to:

• Know what personal information we collect, use, and disclose about you
• Access a copy of the personal information we hold about you
• Correct inaccurate personal information
• Request deletion of your personal information, subject to legal and regulatory retention requirements
• Opt out of the sale or sharing of your personal information, and of targeted advertising
• Opt out of profiling that produces legal or similarly significant effects
• Not be discriminated against for exercising any of these rights

How to exercise your rights. Contact us at sales@healthtrustfinancial.com or (888) 912-5351, or use the "Your Privacy Choices" link in the footer. We will verify your identity before acting on a request, which may require confirming information we already hold. You may use an authorized agent, and we may ask that agent for proof of authorization.

Timing and appeals. We will respond within 45 days, and may extend once where reasonably necessary, with notice to you. If we decline a request, you may appeal by replying to our response, and we will inform you of the outcome in writing.

Residents of the EU or UK may also file a complaint with a data protection authority.

7. Cookies

Our Site uses cookies to improve user experience. Types include:

• Analytical cookies for tracking usage data
• Targeting cookies for advertising and personalization
• Third-party cookies from platforms such as Google Analytics or Meta

You may disable cookies in your browser settings.

8. Children's Privacy

Our services are not directed to individuals under the age of 16. We do not knowingly collect data from children.

9. Security

We implement strong encryption and secure servers to protect your data. However, no method of transmission over the internet is 100% secure.

10. Updates

This Privacy Policy may be updated at any time. Updates will be posted on this page with the revised Effective Date. We recommend reviewing this page periodically.

Contact