Privacy Policy

1. Introduction

Silver Path Health Solutions ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, interact with our services, or communicate with us via phone, email, or text message (SMS/MMS).

By using our website or providing your personal information, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please do not access our website or provide us with your personal information.

2. Information We Collect

2.1 Personal Information You Provide

We may collect personal information that you voluntarily provide to us when you fill out a form on our website, request a quote, contact us by phone or email, or otherwise interact with our services. This information may include:

• Full name (first and last name)
• Email address
• Phone number (including mobile phone number)
• Mailing address
• Date of birth
• Insurance-related information (e.g., current coverage, health conditions relevant to insurance eligibility)
• Any other information you choose to provide

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information about your device and browsing activity, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website or source
• Device identifiers

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide you with insurance quotes, plan comparisons, and personalized recommendations
• To communicate with you about your inquiry, application, or policy — including via phone, email, and text message (SMS/MMS)
• To send appointment reminders, plan updates, and service-related notifications
• To improve our website, services, and customer experience
• To comply with legal and regulatory requirements
• To protect against fraud, unauthorized transactions, and other liabilities

4. SMS / Text Messaging Data

This section specifically addresses how we handle information related to our SMS/text messaging communications.

4.1 Phone Number Usage

When you provide your mobile phone number and opt in to receive text messages from Silver Path Health Solutions, your phone number is used solely for the purpose of sending you the text messages you have consented to receive. These messages may include:

• Insurance plan quotes and information
• Appointment reminders and confirmations
• Follow-up communications related to your inquiry
• Service updates and important notifications about your coverage

4.2 No Sharing with Third Parties for Marketing

We do not sell, rent, lease, or share your phone number or personal information with third parties for their marketing purposes. Your phone number and the content of text messages are treated as confidential. We will not disclose your phone number to any third party except as necessary to deliver our services (e.g., our SMS service provider), as required by law, or with your explicit consent.

4.3 SMS Data Protection

We implement appropriate technical and organizational measures to protect your phone number and SMS-related data from unauthorized access, alteration, disclosure, or destruction. Our SMS service providers are contractually obligated to maintain the confidentiality and security of your information.

4.4 Opt-Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message, and no further text messages will be sent unless you re-subscribe. You may also contact us directly to request removal from our messaging list.

5. How We Share Your Information

We may share your personal information only in the following limited circumstances:

• Insurance Carriers: To obtain quotes and process applications on your behalf, we may share relevant information with the insurance carriers whose products you are interested in.
• Service Providers: We work with trusted third-party service providers (e.g., SMS platforms, email services, CRM systems) who assist us in operating our business. These providers are contractually required to protect your information and use it only for the purposes we specify.
• Legal Requirements: We may disclose your information if required to do so by law, regulation, legal process, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to third parties. We do not share your personal information with third parties for their own marketing purposes.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Specifically:

• Contact and inquiry data is retained for up to 3 years after your last interaction with us, unless a longer retention period is required by law.
• SMS opt-in records are retained for the duration of your subscription to our messaging service, plus an additional 5 years to comply with regulatory requirements.
• Insurance application data may be retained for up to 7 years in accordance with industry regulations.

7. Data Deletion

You have the right to request the deletion of your personal information. To submit a deletion request, please contact us using the information provided in Section 11 below. We will process your request within 30 days and confirm once your data has been deleted. Please note that certain information may need to be retained for legal or regulatory compliance purposes.

8. Data Security

We use commercially reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include encrypted data transmission (SSL/TLS), secure data storage, access controls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Cookies and Tracking Technologies

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

10. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information
• The right to opt out of certain data processing activities
• The right to withdraw consent at any time

To exercise any of these rights, please contact us using the information below.

11. Contact Us for Privacy Inquiries

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

• Company Name: Silver Path Health Solutions
• Email: [email protected]
• Phone: (561) 221-8858
• Mailing Address: Silver Path Health Solutions, United States

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

13. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information promptly.