Privacy Policy and Terms of Service

---

We may collect the following types of information:

• Personal Information: Name, address, email address, phone number, date of birth, and insurance-related information.
• Health Information: Information related to insurance applications, claims, and coverage.
• Technical Information: IP address, browser type, operating system, and usage data when visiting our website.
• Communications: Records of your communications with us, including email, phone calls, or text messages.

We use your information to:

• Provide insurance quotes, coverage, and services.
• Process applications, claims, and payments.
• Respond to inquiries and provide customer support.
• Send important service or policy-related communications.
• Improve our website, products, and services.
• Comply with legal and regulatory obligations.
• 
  

We may share your information only as necessary to:

• Provide requested insurance products and services.
• Comply with legal, regulatory, or contractual obligations.
• Work with trusted service providers assisting in business operations (e.g., IT support, payment processing).

We do not sell your personal information to third parties.

Carolina Health Insurance may communicate with you via text messaging. Please note:

• No Mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
• All categories of information exclude text messaging originator opt-in data and consent; this information will notbe shared with any third parties.
• You can opt out of receiving text messages at any time by replying STOP.
• Message and data rates may apply.

You may:

Access, update, or correct your personal information by contacting us via phone or email.

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the Internet or electronic storage is completely secure.

We retain your information as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13.

You agree to use our website and services only for lawful purposes and in compliance with applicable laws.

Use of our website or communications with us does not create insurance coverage until confirmed in writing. Insurance policies are subject to approval, underwriting, and the terms of the issuing carrier.

By providing your mobile number and opting in, you agree to receive text messages from Carolina Health Insurance.

• Message Types: Conversational/Customer care messages, appointment reminders, and service-related communications.
• Message Frequency: Varies based on your interactions with us.
• Charges: Message and data rates may apply depending on your mobile plan.
• Opt-Out: You may opt out at any time by replying STOP.
• Help: For help, reply HELP.

All content on this site, including text, graphics, logos, and designs, is the property of Carolina Health Insurance and may not be used without prior written consent.

Our services and website are provided “as is” without warranties of any kind, express or implied. We do not guarantee that the website will be uninterrupted, error-free, or secure.

To the fullest extent permitted by law, Carolina Health Insurance shall not be liable for any indirect, incidental, or consequential damages arising out of your use of our services.

This Privacy Policy and Terms of Service are governed by and construed in accordance with the laws of the State of South Carolina, without regard to conflict of law principles.

We may update this combined Privacy Policy & Terms of Service from time to time. Any changes will be posted on this page with an updated effective date.

If you have any questions, please contact us at:

Carolina Health Insurance
1518 Leesburg Rd., Columbia, SC 29209
Brian@covercarolina.com
(803) 973-4618

SMS Terms & Conditions

1. SMS Consent Communication:

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

1. Types of SMS Communications:

If you have consented to receive text messages from Carolina Health Insurance, you may receive messages related to the following:

• Appointment confirmations
• scheduling, follow-up message
• billing inquiries
• Etc

Example: "Hi from Carolina Health Insurance. It's time to set up your 2027 health insurance review! Do you prefer a quick phone call or an in-office visit? You can also grab a time directly on my calendar here: https://calendly.com/ingrambenefits/general-insurance-phone-call-30-min"

1. Message Frequency:
   Message frequency may vary depending on the type of communication. For example, you may receive up to 10 SMS messages per week related to your account.
2. Potential Fees for SMS Messaging: 

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

1. Opt-In Method:

You may opt in to receive SMS messages from Carolina Health Insurance, in the following ways:

• We ask them verbally during a conversation.

"By providing your phone number verbally, you agree to receive SMS messages from Carolina Health Insurance. related to conversational - Appointment confirmations, scheduling, follow-up messages, billing inquiries, etc. You may reply STOP to opt out at any time. Reply to HELP to (803) 973-4618 for assistance. Messages and data rates may apply. Message frequency will vary. Learn more on our privacy policy page and Terms & Conditions. 

1. Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

1.  Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at brian@covercarolina.com

• Additional Options:
• If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

1. Standard Messaging Disclosures:

• Message and data rates may apply.
• You can opt out at any time by texting "STOP."
• For assistance, text "HELP" or visit our privacy policy and Terms and Conditions page.
• Message frequency may vary