Privacy Policy

Last updated: May 28, 2026

Hand Insurance Agency ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, contact us, or use our insurance services.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

We may collect the following types of information:

• Personal identification information: name, date of birth, Social Security Number (for enrollment purposes only), address, email address, and phone number
• Health information: only as required to complete insurance applications and enrollment on your behalf
• Financial information: household income, as required for ACA marketplace eligibility determinations
• Communication data: records of emails, text messages, and phone calls between you and our agency
• Website usage data: IP address, browser type, pages visited, and time spent on our site (collected automatically via cookies)

2. How We Use Your Information

We use the information we collect to:

• Determine your eligibility for health, life, Medicare, and other insurance plans
• Complete insurance applications and enrollment on your behalf
• Communicate with you about your coverage, renewals, and plan changes
• Send important updates about your policy, open enrollment periods, and relevant plan options
• Respond to your questions and provide ongoing customer support
• Comply with legal and regulatory obligations
• Improve our website and services

3. Text Message (SMS) Communications

• Consent: You consent to receive SMS messages when you submit your information through our website, sign our authorization form, or reply to confirm your enrollment details.
• Message frequency: Message frequency varies. You may receive messages related to your enrollment, coverage updates, open enrollment reminders, and follow-ups from your agent.
• Message and data rates: Standard message and data rates may apply depending on your mobile carrier and plan.
• Opt-out: You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive one confirmation message and no further SMS messages from us.
• Help: Reply HELP to any message for assistance, or contact us directly at [email protected].
• No sharing: We do not sell or share your phone number with third parties for their marketing purposes.

4. Email Communications

We may send you emails related to your insurance coverage, enrollment status, open enrollment periods, and educational content about your plan benefits. You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email or by contacting us directly. Transactional emails related to your active coverage may not be unsubscribed from while your policy is active.

5. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Insurance carriers: We share your information with insurance companies and the federal Health Insurance Marketplace (healthcare.gov) solely to process your application and enrollment.
• Service providers: We use third-party platforms (including CRM and communication tools) to manage client relationships and communications. These providers are contractually required to protect your data.
• Legal compliance: We may disclose information when required by law, court order, or government regulation.
• Business transfers: In the event of a sale or transfer of our business, your information may be transferred to the new owner subject to this Privacy Policy.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the best of our ability.

7. Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time
• Withdraw consent for SMS communications by replying STOP

To exercise any of these rights, contact us at [email protected] or (248) 710-2073.

8. Cookies and Website Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser preferences. Disabling cookies may affect some functionality of our website.

9. Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and enrollment platforms. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on our website with an updated effective date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

• Jason Hand — Hand Insurance Agency
• Email: [email protected]
• Phone: (248) 710-2073
• License Number: 20336572
• Website: handinsuranceinc.com