Privacy Policy

Who We Are

This Privacy Policy explains how Real Health Coverage ("Real Health Coverage," "we," "our," "us"), a division of Tampa USHA, collects, uses, shares, and safeguards personal information when you interact with our health insurance consultation services, websites, social media advertisements, and lead generation forms (the "Services"). We primarily serve individuals and families across the United States seeking private health insurance coverage.

Information We Collect

We collect information that you voluntarily submit through our website quote request forms, Meta (Facebook/Instagram) lead forms, and related marketing channels. This may include the following categories of information:

• Identification & Contact: first and last name, email address, and phone number.
• Quote Request Details: ZIP code, state or general location, date of birth or age, who needs coverage (such as yourself, your family, or your business), and other quote request details you voluntarily provide.
• Lead & Campaign Data: the source of your inquiry, such as which advertisement or form you submitted, timestamps, and engagement data.
• Telecom & Messaging: phone numbers provided or verified, consent status for calls and text messages, and STOP/HELP opt-out logs when applicable.
• Usage & Device: IP address, device and browser information, cookies, pages viewed, timestamps, and session diagnostics, where permitted and subject to consent where required.

Some information may be pre-filled by Meta from your social media profile when you submit a lead form. You have the opportunity to review and edit this information before submitting.

We do not intentionally collect medical diagnoses, treatment information, prescriptions, or other Protected Health Information (PHI) through our online forms. If additional information is needed, a licensed insurance advisor will discuss it with you during your consultation.

How We Use Your Information

We process your information to:

• Contact you by phone, email, or text message to schedule and conduct your free health insurance consultation.
• Connect you with a licensed health insurance advisor in your state.
• Provide personalized insurance plan options, quotes, and coverage comparisons.
• Manage lead routing, appointment scheduling, and follow-up communications.
• Operate compliant calling and texting tools, including TCPA guardrails and opt-out handling.
• Improve our Services, advertisements, and user experience through analytics.
• Detect and prevent fraud, abuse, and unauthorized access.
• Comply with legal and regulatory requirements.
• (With appropriate consent) send marketing communications. You may unsubscribe at any time.

Legal bases (GDPR if applicable): performance of a contract, legitimate interests (service delivery, security, analytics), legal compliance, and consent (where required).

Cookies & Similar Technologies

We use cookies, pixels, local storage, and similar tracking technologies to operate the website, improve user experience, analyze website traffic, measure advertising performance, and support fraud prevention. Non-essential tracking technologies, including Meta Pixel, are intended to load only after you consent through our cookie and tracking consent banner.

Meta Pixel helps us understand how visitors interact with our website after viewing or clicking our advertisements and helps measure advertising performance and analytics. If you decline tracking consent, we do not intentionally load Meta Pixel, analytics cookies, or other non-essential tracking technologies through our website. You can also control cookies through your browser settings; disabling some cookies may affect functionality. "Do Not Track" signals are not acted on at this time.

Your consent to tracking and third-party access. No non-essential tracking technologies, including the Meta Pixel, operate before you provide consent through our cookie and tracking consent banner. When you click "Accept," you knowingly and voluntarily consent to the operation of these technologies and expressly authorize us and our third-party partners — including Meta Platforms, Inc. — to collect, receive, and process information about your interactions with this website as those interactions occur, including page visits, clicks, form activity, device and browser information, and similar data. This authorization means that no such collection constitutes an unauthorized interception, reading, or recording of your communications. You may decline this consent by clicking "Decline," and you may withdraw your consent at any time by clearing this website's cookies and site data in your browser, after which the banner will appear again on your next visit.

Information Sharing

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

• Licensed Insurance Advisors: We share your contact and inquiry information with licensed health insurance advisors in your state to conduct your consultation and present plan options.
• Service Providers & Processors: trusted third-party services such as Vercel for website hosting, CRM software, telecom, analytics, and support tools under confidentiality and data-processing obligations.
• Telecom & Messaging Partners: to deliver calls, text messages, and verify phone numbers.
• Compliance & Legal: if required by law, regulation, subpoena, or to protect rights and safety.
• Business Transfers: in mergers, acquisitions, financing, or sale of assets, subject to successor obligations.
• Your Direction: integrations you connect or recipients you designate.

We do not sell users' personal information. Some advertising or analytics activity, such as Meta Pixel after consent, may be considered "sharing" for cross-context behavioral advertising under certain U.S. state privacy laws. We address non-essential tracking through our cookie and tracking consent banner and applicable privacy choices.

Data Retention

We keep personal information only as long as necessary for the purposes described above, including legal, tax, accounting, audit, dispute-resolution, fraud-prevention, and compliance requirements. We may retain aggregated or de-identified data indefinitely.

Security

We implement administrative, technical, and physical safeguards appropriate to the nature of the data, such as encryption in transit, access controls, least-privilege permissions, and audits. No method is 100% secure, and we cannot guarantee absolute security.

Your Rights & Choices

Depending on your jurisdiction, you may have rights to:

• Request access to or know the categories and specific pieces of personal information we hold.
• Request correction of inaccuracies in your personal information.
• Request deletion of certain data, subject to legal exceptions.
• Port your data to another service.
• Opt out of marketing communications, calls, or text messages.
• Limit use of sensitive data where applicable by law.
• Appeal a refusal in some states.

To exercise your rights, contact us using the information below. We may verify your identity and request additional details. Authorized agents may submit requests per applicable law.

International Transfers

If you access the Services from outside the United States, your data may be processed in the U.S. and other countries. Where required, we use appropriate transfer mechanisms, such as Standard Contractual Clauses.

Children's Privacy

The Services are not intended for individuals under 18. We do not knowingly collect data from children. If you believe a minor has provided data, contact us and we will delete it where required.

Changes to This Policy

We may update this Policy to reflect operational, legal, or regulatory changes. Material changes will be notified via the Services or by email, with the "Last Updated" date revised.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us at: