1. Who We Are
Chandler Health Advisory ("we," "us," or "our") is a licensed health insurance advisory service operated by Denzel Chandler. We can be reached at denzelchandlerhealth@gmail.com or by phone at (954) 439-0478.
This Privacy Policy explains how we collect, use, disclose, and safeguard information you provide when you visit our website or submit a quote request.
2. Information We Collect
When you submit a free quote request, we may collect:
- Personal identifiers: First name, last name, date of birth
- Contact information: Email address, phone number, zip code
- Coverage details: Your coverage segment (e.g., self-employed, family, small business) and any additional notes you choose to share
We do not collect payment information, Social Security numbers, or sensitive health records through this website.
3. How We Use Your Information
We use the information you provide to:
- Contact you to discuss health insurance options tailored to your situation
- Respond to your inquiry and follow up on your quote request
- Connect you with insurance carriers that may offer suitable plans
- Improve our services and website experience
We will never sell your personal information to third parties for marketing purposes unrelated to your insurance inquiry.
4. Text Message & Phone Communication Consent
By submitting the quote form on our website, you consent to being contacted by Chandler Health Advisory via phone call, email, or text message (SMS) regarding your health insurance inquiry.
Message and data rates may apply. Message frequency varies. You may opt out of text messages at any time by replying STOP to any message you receive from us. For help, reply HELP or contact us at denzelchandlerhealth@gmail.com.
5. Information Sharing & Disclosure
We may share your information in the following limited circumstances:
- Insurance carriers and marketplaces: To obtain quotes and coverage options on your behalf, with your knowledge and consent
- Service providers: Third-party tools that help us operate our website (e.g., hosting, database), under strict confidentiality obligations
- Legal requirements: When required by law, court order, or government authority
6. Data Retention
We retain your information for as long as necessary to fulfill your inquiry and comply with applicable legal obligations. If you would like your information removed from our records, please contact us at denzelchandlerhealth@gmail.com and we will process your request promptly.
7. Your Rights
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information
- Opt out of future communications at any time
To exercise any of these rights, contact us at denzelchandlerhealth@gmail.com.
8. HIPAA Notice & Health Information
Chandler Health Advisory is an independent licensed insurance advisor. In this capacity, we may be considered a Business Associate under the Health Insurance Portability and Accountability Act (HIPAA) when working with insurance carriers who are Covered Entities.
The information collected through our website's quote form — including your name, date of birth, and coverage needs — is used solely to assist you in obtaining health insurance. We do not collect, store, or transmit Protected Health Information (PHI) such as medical records, diagnoses, prescriptions, or claims data through this website.
Any health-related details you voluntarily share (e.g., ongoing medications or conditions mentioned in the notes field) are used exclusively to recommend appropriate coverage options. This information is treated with strict confidentiality and is not shared beyond what is necessary to fulfill your insurance inquiry.
Once you enroll in a health insurance plan, your ongoing health information is governed by the privacy practices of your insurance carrier, which are required under HIPAA to provide you with a Notice of Privacy Practices.
If you have questions about how your health information is handled, contact us at denzelchandlerhealth@gmail.com.
9. Security
We take reasonable administrative, technical, and physical safeguards to protect the information you provide. Your quote submissions are stored in a secured database accessible only to authorized personnel. However, no internet transmission is completely secure, and we cannot guarantee absolute security.
10. Third-Party Links
Our website may contain links to third-party websites (such as Calendly for scheduling). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated effective date. Continued use of our website after changes constitutes your acceptance of the updated policy.
12. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us:
- Email: denzelchandlerhealth@gmail.com
- Phone: (954) 439-0478
- Text: (954) 439-0478