Welcome to eTXHealthinsurance
. Your privacy
is very important to us, and we make every reasonable effort to safeguard any
information we collect.
Effective
Date: 11/18/2003
Our
Privacy Policy is designed to assist you - businesses, consumers and the general
public - in understanding how we collect and use the personal information you
provide to us, and to help you make informed decisions when using our web site
and all of our related services therein.
Contact
Information
If
you have any questions or general comments about this privacy policy, please
contact us at: info@eTXHealthinsurance.com
Surface
mailing address:
eTXHealthinsurance
10685-B Hazelhurst
Drive #8829
Houston, TX 77043
Toll
Free Phone: (866) 585-7664
Toll Free Fax: (866) 284-0082
What
Information Do We Collect?
We
only collect information that you voluntarily provide, in order to present you
with an instant health insurance quote, newsletter subscription, special reports,
or other information you request from us. When visiting our web site,
only you choose when to voluntarily provide us with personal information.
We do not collect personal information in any deceptive ways.
Personal
Information You Choose to Provide
Instant
Quote Information
When
you run an instant quote, you must provide us with information about yourself.
This information is needed in order to determine available plans and quotes
for your individual situation. We may contact you occasionally via email
to inform you about Health Savings Accounts.
Email
Information
We
find email is the best and easiest way to communicate with our customers, and
we want to make the process as easy as possible. If you choose to correspond
with us through email, we will not share your email address with any third party.
Application
Information
All
of your personal information on any application you submit with eTXHealthinsurance
will only be shared with the insurance company of the plan for which you are
applying.
How
Do We Use the Information You Provide to Us?
Generally,
we use personal information for purposes of managing and expanding our business
activities, providing customer service and making available other products and
services to our customers and prospective customers. Occasionally, we
may also use the information we collect to notify you about important changes
to our Web site, new services and special offers we think you will find valuable.
Choice/Opt-out
All
of our email correspondence will give you an option to Opt-out of future emailings
at the bottom of the email.
What
Are Cookies?
A
cookie is a very small text document, which often includes an anonymous unique
identifier. When you visit many Web site, that site's computer asks your computer
for permission to store this file in a part of your hard drive specifically
designated for cookies. Each Web site can send its own cookie to your
browser if your browser's preferences allow it, but (to protect your privacy)
your browser only permits a Web site to access the cookies it has already sent
to you, not the cookies sent to you by other sites. We DO NOT use any
Cookies on our Web site, and we would never try to store any files on your computer.
How
Do We Protect Your Information?
Secure
Information Transmissions
The
information you enter on our Web site is transmitted securely via Secure Sockets
Layer SSL, 128 bit encryption services. Pages utilizing this technology
will have URLs that start with HTTPS instead of HTTP. Please contact us
if you have any questions or concerns.
How
Can You Access and Correct Your Information?
You
may request access to all your personally identifiable information that we collect
online and maintain in our database by contacting us, see the above contact
information.
What
About Other Web Sites Linked to Our Web Site?
We
are not responsible for the practices employed by Web sites linked too or from
our Web site nor the information or content contained therein. Often links
to other Web sites are provided solely as pointers to information on topics
that may be useful to the users of our Web site. Please remember that
when you use a link to go from our Web site to another Web site, our Privacy
Policy is no longer in effect. Your browsing and interaction on any other
Web site, including Web sites which have a link on our Web site, is subject
to that Web site's own rules and policies. Please read over those rules
and policies before proceeding.
Your
Consent
By
using our Web site you consent to our collection and use of your personal information
as described in this Privacy Policy. If we change our privacy policies
and procedures, we will post those changes on our Web site to keep you aware
of what information we collect, how we use it and under what circumstances we
may disclose it. At any time you may request to view any and all changes
and updates, via surface mail.
Notification
of Changes
The
Privacy Policy is subject to periodic review and change. In order to view
the current Privacy Policy, simply check this section of the website.
If we materially change our privacy policy, we will post those changes to this
privacy statement and other places we deem appropriate so users are aware of
what information we collect, how it is used, and under what circumstances, if
any, we disclose it. In some cases where we post a notice, we may also
email users who have opted to receive communications from us, notifying them
of the changes in our privacy practices.
Refund
and Delivery Policy
Our No-Risk, 100% Satisfaction, Money-Back Guarantee
We are so confident that doing business with eTXHealthinsurance will save you time, money, and frustration, that we guarantee it. If you purchase a health insurance plan from eTXHealthinsurance and are not totally blown away by the service you receive from us before you apply, while your application is in the approval process, or up to 10 days after you receive your policy, you may cancel and receive a 100% refund.
In return for providing outstanding service and helping you continue to save money, we expect you to be a client for life, and to refer your friends our way as well!
Delivery
Method and Timing
Once
you have scheduled your health insurance consultation, we will contact you by
phone promptly at the scheduled appointment time, and take you through our seven
step Total Needs Analysis in order to determine:
- Which insurance companies
will offer the best value for your needs
- Which
plan deductibles, coinsurance options, and elective options you should consider
- Any
underwriting issues that may affect which company you wish to apply with
- What
your contribution plans are for your HSA, and which administrator would best
meet your needs
