Privacy Policy
Hudson Health Advisors LLC

January 2nd 2025

At Hudson Health Advisors we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you interact with us, whether through our website, social media, phone calls, in-person consultations, or other services we provide as a Medicare insurance agency. Our goal is to help you make informed decisions about your Medicare coverage while keeping your personal information secure.

1. Information We Collect
We collect information to assist you in exploring, selecting, and enrolling in Medicare insurance plans. The types of information we may collect include:

- **Personal Information:** Name, address, phone number, email address, date of birth, Social Security number, Medicare number, and other identifiers you provide.
- **Health Information:** Medical history, current health conditions, prescription drug needs, or other health-related details necessary to recommend suitable Medicare plans.
- **Financial Information:** Payment details (e.g., credit card or bank account information) if you choose to pay premiums or fees through us.
- **Usage Information:** Data about how you interact with our website, such as IP address, browser type, pages visited, and time spent, collected via cookies or similar technologies.

We collect this information when you:
- Contact us for a consultation or quote.
- Submit an application for a Medicare plan.
- Visit our website or engage with our online tools.
- Provide information voluntarily through forms, surveys, or conversations with our licensed agents.

2. How We Use Your Information
We use your information to provide you with the best possible service and to fulfill our role as a Medicare insurance agency. Specifically, we may use it to:
- Assess your Medicare needs and recommend appropriate plans (e.g., Medicare Advantage, Medicare Supplement, or Part D prescription drug plans).
- Process applications and enroll you in a Medicare plan.
- Communicate with you about your coverage options, enrollment status, or updates to your plan.
- Respond to your inquiries and provide customer support.
- Process payments for premiums or services, if applicable.
- Improve our services, website, and marketing efforts through aggregated, non-identifiable data analysis.
- Comply with legal obligations, such as reporting to regulatory authorities or verifying eligibility.

3. How We Share Your Information
We do not sell, trade, or rent your personal information to third parties for marketing purposes. We may share your information only in the following circumstances:
- **With Insurance Carriers:** To process your application or enrollment in a Medicare plan offered by a carrier we represent.
- **With Service Providers:** With trusted partners who assist us in operations (e.g., payment processors, IT support, or customer service vendors), bound by confidentiality agreements.
- **For Legal Compliance:** When required by law, such as responding to a subpoena, court order, or government request, or to protect our rights, safety, or property.
- **With Your Consent:** If you authorize us to share your information with a specific party (e.g., a family member or caregiver).

Any health information shared is protected under the Health Insurance Portability and Accountability Act (HIPAA) where applicable, and we ensure compliance with all relevant privacy laws.

4. How We Protect Your Information
We take the security of your information seriously and implement reasonable physical, electronic, and administrative safeguards to protect it from unauthorized access, loss, misuse, or alteration. These measures include:
- Encryption of sensitive data during transmission and storage.
- Restricted access to your information, limited to employees and agents who need it to perform their duties.
- Regular reviews of our security practices to address emerging risks.

Despite these efforts, no system is completely immune to breaches. If a data breach occurs that may affect your personal information, we will notify you as required by law.

5. Your Choices and Rights
You have control over your information and certain rights under applicable laws:
- **Access and Correction:** You may request to see or update the personal information we hold about you by contacting us.
- **Opt-Out:** You can opt out of marketing communications by following the unsubscribe instructions in our emails or contacting us directly. Note that transactional communications (e.g., enrollment updates) will continue as needed.
- **Cookies:** You can adjust your browser settings to refuse cookies, though this may limit some website functionality.

To exercise these rights, please contact us using the details in Section 8 below.

6. Third-Party Links and Services
Our website or communications may include links to third-party sites (e.g., Medicare.gov or insurance carrier portals). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.

7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. If we make significant changes, we will notify you by posting the updated policy on our website with a new effective date or, if required, by direct communication. Please review this policy periodically.

8. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your information, please reach out to us:
- **Phone:** (208) 954-3791
- **Email:** hudsonhealthadvisors@gmail.com

We’re here to assist you and ensure your privacy is respected.

9. Additional Notices
- **Not Affiliated with Government:** Hudson Health Advisors LLC is a private entity and is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
- **Solicitation:** This website and our services are intended for the solicitation of insurance, and a licensed agent may contact you.

Thank you for trusting Hudson Health Advisors LLC with your Medicare needs. We’re committed to protecting your privacy every step of the way.