This Privacy Policy explains how Coverage with Brandon ("we," "us," or "our"), operated by Brandon Rapose, a licensed independent health insurance advisor based in Tampa Bay, Florida, collects, uses, shares, and protects your information when you visit our website, submit a form, request our free guide, or schedule a consultation (collectively, the "Services").
By using our Services or providing your information to us, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our Services or submit your information.
1. Information We Collect
We collect information you provide directly to us, as well as certain information automatically when you use our Services. This may include:
- Identification & contact details — such as your name, email address, phone number, and ZIP code or state of residence.
- Insurance inquiry information — such as your employment or coverage status, household size, general coverage needs, and the type of plan you are interested in.
- Lead source & campaign data — such as the ad, link, or page that referred you, including information from social media advertisements (for example, Meta/Facebook and Instagram campaigns).
- Device & usage information — such as your IP address, browser type, device type, pages viewed, and general analytics data collected through cookies and similar technologies.
- Communication preferences — such as your consent to be contacted by phone, email, or text message, and your preferred contact times.
Important — We are not a HIPAA covered entity. Coverage with Brandon is not a HIPAA covered entity, and our forms and Services are not intended to receive protected health information (PHI). Please do not submit medical records, diagnoses, or other PHI through our forms or Services.
2. How We Use Your Information
We use the information we collect to:
- Contact you by phone, email, or text message to schedule and conduct your free health insurance consultation.
- Connect you with a licensed advisor and provide personalized plan options and quotes.
- Respond to your questions and deliver materials you request, such as our free guide.
- Route and follow up on your inquiry, and send occasional helpful information about coverage.
- Operate, maintain, and improve our website and Services.
- Comply with applicable laws and calling/texting regulations (including the TCPA), and to detect, prevent, and address fraud or misuse.
3. How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
- Licensed insurance advisors — including licensed advisors in your state who can help with your specific coverage needs.
- Service providers — vendors who help us operate our Services (such as scheduling, hosting, CRM, email/text messaging, and analytics providers) under confidentiality obligations.
- Insurance carriers — when needed to obtain quotes or process an application you have requested.
- Legal and safety reasons — when required by law, subpoena, or legal process, or to protect the rights, property, or safety of you, us, or others.
- Business transfers — in connection with a merger, acquisition, or sale of assets, where your information may be transferred as part of that transaction.
4. SMS / Text Messaging & Calling Consent
By submitting your phone number and opting in, you consent to receive calls and text messages from Coverage with Brandon and its licensed advisors regarding your insurance inquiry, including through automated technology where applicable. Consent is not a condition of purchase. Message and data rates may apply, and message frequency may vary.
You can opt out of text messages at any time by replying STOP, and reply HELP for assistance. You may opt out of calls or emails by telling us during a call, replying to an email, or using any unsubscribe link provided.
5. Your Privacy Rights
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you.
- Request that we correct inaccurate information.
- Request that we delete your information (subject to legal exceptions).
- Request a copy of your information in a portable format.
- Opt out of marketing communications, calls, or text messages.
To exercise any of these rights, contact us using the details in the "Contact Us" section below. We will respond as required by applicable law.
6. Cookies & Tracking Technologies
We and our analytics and advertising partners use cookies and similar technologies to understand how visitors use our site, measure ad performance, and improve our Services. You can manage cookies through your browser settings. Disabling cookies may affect how parts of our site function.
7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
8. Data Retention
We retain your information only as long as necessary to fulfill the purposes described in this Policy, to comply with our legal obligations, resolve disputes, and prevent fraud, after which we delete or de-identify it.
9. Children's Privacy
Our Services are not directed to children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with information, please contact us so we can delete it.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date above. Your continued use of our Services after any changes indicates your acceptance of the updated Policy.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
Coverage with Brandon
Brandon Rapose · Licensed Health Insurance Advisor
Tampa Bay, Florida
Phone: 484-274-4257