Privacy Policy for Hewlett Life and Health Insurance LLC

Effective Date: September 10, 2025

1. Introduction

Hewlett Life and Health Insurance LLC (“we,” “us,” or “our”) is committed to protecting your privacy and the confidentiality of your personal and health information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our services or communicate with us, including through our SMS/text messaging program.

As an insurance brokerage, we gather your information to help you find, apply for, and manage life and health insurance policies from various insurance carriers.

2. HIPAA Notice of Privacy Practices

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

We are required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) to maintain the privacy of your Protected Health Information (PHI) and to provide you with notice of our legal duties and privacy practices.

  • How We May Use and Disclose Your PHI: We use and disclose your PHI for the primary purposes of Payment and Health Care Operations. This includes using your information to obtain insurance quotes from carriers, assist in the underwriting and application process, and help manage your policy.
  • Uses and Disclosures Requiring Your Authorization: Any use or disclosure of your PHI not described in this notice, including for most marketing purposes, will be made only with your express written authorization, which you may revoke at any time.
  • Your Rights Regarding Your PHI: You have the right to inspect, copy, amend, and receive an accounting of disclosures of your PHI. To exercise these rights, please contact us using the information in Section 10.

3. Information We Collect

We collect information necessary to provide you with accurate insurance quotes and services.

  • Information You Provide: When you request a quote, you may provide us with Personally Identifiable Information (PII) and Protected Health Information (PHI), such as your name, date of birth, address, phone number, email, and health history. This information is collected through forms on our website or other means of communication.
  • Website Technologies: Our website uses cookies or other web-tracking technologies for analytics or advertising purposes.

4. How We Use and Share Your Information

Your information is used solely to provide the insurance brokerage services you request.

  • Insurance Carriers: We share your information with multiple insurance carriers to obtain quotes, submit applications on your behalf, and service your policy.
  • Service Providers (Business Associates): We may share your information with third-party service providers who perform essential functions on our behalf. These providers are contractually obligated under a Business Associate Agreement to protect your information. Our service providers include:
  • Customer Relationship Management (CRM) platforms
  • Communication tools (e.g., Dialpad)
  • Data automation services (e.g., Zapier)
  • Legal Obligations: We may disclose your information if required to do so by law, subpoena, or other legal processes.

We will not sell your personal information or PHI to third parties.

5. A2P / SMS Text Messaging Policy

By providing express written consent, you agree to receive informational text messages from Hewlett Life and Health Insurance LLC.

  • Program Description: Our SMS program is used for general communication with our clients, focusing on providing updates on policy status and reminders for important deadlines like open enrollment.
  • Consent: You must provide express written consent, for example by checking a consent box on our forms, to be enrolled in our SMS program.
  • How to Opt-Out: You may opt-out of our SMS communications at any time by replying STOP to any message you receive. You will receive a one-time confirmation text that you have been unsubscribed.
  • How to Get Help: For assistance with the SMS program, reply HELP to any message or contact us at 435-315-3606.
  • Message Frequency: Message frequency will vary based on your policy and relevant deadlines.
  • Rates: Message and data rates may apply.
  • Privacy: Your mobile number and consent will not be sold or shared with third parties for their own marketing purposes.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect the security and confidentiality of your information against unauthorized access, use, or loss.

7. State-Specific Privacy Rights

Because we serve clients in various states, you may have additional privacy rights under your state’s laws, such as the California Consumer Privacy Act (CCPA). These rights may include the right to know what personal information is collected about you, the right to delete your personal information, and the right to opt-out of the sale of your information. To exercise any rights available to you under your state’s laws, please contact us.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Privacy Policy

We reserve the right to amend this Privacy Policy at any time. The revised policy will be posted on our website with an updated “Effective Date.”

10. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or wish to exercise your rights, please contact us:

Hewlett Life and Health Insurance LLC

Address: 123 S Main, Heber City, UT 84032

Email: support@hewletthealth.com

Phone: (435) 315-3606