HELIM Insurance Privacy Policy

Last Updated: 03/21/2025

HELIM Insurance ("we," "our," or "us") is committed to protecting your privacy and complying with all applicable federal and state insurance regulations, including but not limited to HIPAA where applicable, the Gramm-Leach-Bliley Act (GLBA), CMS guidelines for Medicare communications and marketing, ACA Marketplace privacy requirements, and CTIA/Twilio A2P 10DLC messaging compliance standards.

This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with us through our website, www.heliminsurance.com, by phone, email, text message, or in person.

1. Information We Collect

We may collect the following categories of information:

Personal Information

  • Name

  • Date of birth

  • Phone number

  • Email address

  • Mailing address

  • Last four digits of SSN (only when required for insurance applications)

  • Demographic information required for ACA, Medicare, or life insurance quotes

Health Information (HIPAA-Protected)

  • Medical history relevant to insurance applications

  • Prescription drug information

  • Provider/doctor information

  • Current or past health conditions

Financial Information (GLBA-Protected)

  • Income details for ACA eligibility

  • Banking information only when required for policy payments (never stored by HELIM Insurance)

Website & Technical Data

  • IP address

  • Device and browser information

  • Cookies for site functionality

2. How We Use Your Information

We use your information to:

  • Provide life, health, Medicare, and ACA insurance quotes

  • Determine eligibility for insurance coverage and subsidies

  • Submit applications to insurance carriers and healthcare.gov

  • Maintain your customer file for ongoing policy service

  • Contact you regarding policy updates, renewals, or required documentation

  • Send appointment reminders and requested information

  • Send SMS communication (consent-based) for customer service, reminders, or informational updates

We do not sell your information.

3. A2P 10DLC Compliance (SMS Text Messaging Privacy)

To comply with CTIA, mobile carriers, and Twilio’s A2P regulations:

Consent

End-users must provide explicit consent before receiving SMS messages. Consent may be provided by:

  • Submitting a request or quote form on www.heliminsurance.com

  • Calling or texting our business number

  • Scheduling an appointment

  • Checking the consent box on any of our digital forms

  • Opting in through our CRM or lead capture tools

Message Types Sent

Messages may include:

  • Appointment reminders

  • Application status updates

  • Document requests

  • Policy renewal notifications

  • ACA Open Enrollment reminders

  • Medicare Annual Enrollment Period reminders

  • Requested insurance information

Opt-Out Language

Every automated message includes:

  • “Reply STOP to unsubscribe.”

  • “Reply HELP for help.”

No Unauthorized Content

We do not send:

  • Loan offers

  • Age-restricted content

  • SHAFT content (sex, hate, alcohol, firearms, tobacco)

4. How We Share Information

We share your information only when necessary and only with:

  • Licensed insurance carriers

  • Healthcare.gov (for ACA applications)

  • CMS (for Medicare enrollments)

  • Third-party service providers that help us manage communication, quoting tools, CRM systems, or scheduling systems

All partners operate under confidentiality and regulatory compliance agreements.

We never sell or rent your personal information.

5. Data Protection & Security

We follow all required protection standards, including:

  • HIPAA safeguards for health information

  • GLBA data security standards for financial information

  • CMS Medicare communications/marketing guidelines

  • Encryption of data in transit

  • Secure storage of customer files

Only authorized personnel may access your information.

6. Your Rights

You have the right to:

  • Request a copy of your information

  • Correct or update your information

  • Withdraw consent for SMS messaging

  • Request deletion of data when allowed by law

  • File a complaint about misuse of your information

7. SMS Opt-In and Opt-Out (Required A2P Disclosure)

Opt-In Methods:

  • Web forms on www.heliminsurance.com

  • Texting START or YES to our business number

  • Signing up during a call or appointment

  • Requesting information through ads, lead forms, or live chat

Opt-Out Instructions:

  • Reply STOP to unsubscribe from SMS

  • Reply HELP for assistance

Opt-out requests are processed immediately.

8. Cookies & Tracking

We use cookies only for functionality, analytics, and improving user experience. You may disable cookies anytime in your browser settings.

9. Updates to This Policy

We may update this Privacy Policy to stay compliant with insurance, CMS, ACA, HIPAA, GLBA, and A2P regulations.

10. Contact Us

HELIM Insurance
Email: customer.service@heliminsurance.com
Phone: 743-210-9455
Website: www.heliminsurance.com

If you'd like, I can also create:

  • A Terms of Service

  • A CMS-compliant Medicare disclaimer

  • A HIPAA Notice of Privacy Practices

  • A full A2P Messaging Compliance Page