Overview
This Privacy Policy explains how Help for America (“Help for America,” “we,” “us,” “our”) collects, uses, shares, and protects information when you use our website, forms, chat, phone, SMS, email, and related services (collectively, the “Services”).
Help for America is a health insurance marketing and education platform that may connect consumers with licensed insurance agents, agencies, carriers, and other service providers.
By using the Services, you agree to the practices described in this Privacy Policy. If you do not agree, do not use the Services.
Related links
Scope
This Privacy Policy applies to information collected through:
- The Services and our websites and pages
- Communications you have with us, including calls, SMS, email, and chat
- Marketing and advertising interactions tied to the Services
Information We Collect
We collect information in three main ways: information you provide, information collected automatically, and information from third parties.
A. Information you provide
Depending on how you interact with the Services, we may collect:
- Contact information: name, phone number, email address, mailing address, city, state, ZIP code
- Demographic information: age, gender, household details, and other profile information you choose to share
- Insurance and health inquiry information: basic health status, tobacco use, current coverage, eligibility indicators, and preferences, as permitted by law
- Form and intake details: information you submit in quote forms, eligibility checks, surveys, or support requests
- Any other information you provide voluntarily
B. Communications data
If you communicate with us, we may collect:
- Call details, including call time, duration, routing information, and disposition notes
- SMS and email content and related metadata (such as send time and delivery status)
- Chat messages and form conversation history
- Call recordings or voicemails where permitted by law
- Transcripts of calls or messages and analysis generated for quality assurance, compliance, fraud prevention, and customer support
C. SMS consent and preference data
If you opt in to SMS, we may collect and store:
- Your mobile number
- Your opt in status and the date and time of opt in
- The method and source of opt in (such as a web form checkbox)
- Your opt out status and the date and time of opt out
- Message delivery events and related logs needed for compliance
D. Information collected automatically
When you visit or use the Services, we may automatically collect:
- Device and browser data: device type, operating system, browser type, language settings
- Network data: IP address and approximate location derived from IP
- Usage data: pages viewed, clicks, time on page, and navigation patterns
- Advertising and analytics data: events used to measure performance, conversions, and user experience
E. Information from third parties
We may receive information from vendors and partners that help operate the Services, such as:
- Analytics providers
- Advertising and measurement platforms
- Communication service providers (SMS and telephony)
- Licensed agents or agencies in our network when they provide outcome or status information related to your request
How We Use Information
We use information to operate the Services, respond to requests, connect you with providers, and maintain compliance.
A. Service delivery and matching
- Provide quote requests and connect you with licensed agents, agencies, and carriers
- Filter or route requests based on location, eligibility, and preferences
- Provide educational content and service updates related to your request
B. Communications
We may use information to contact you via email, SMS, phone calls, and voicemail for:
- Service and informational messages, including verification, reminders, follow ups, and status updates
- Marketing and promotional messages when you have provided the required consent or where permitted by law
- Security and compliance related messages, including fraud prevention and service integrity notices
C. Quality assurance, compliance, fraud prevention, and support
- Monitor and improve customer support and service quality
- Maintain records of consent and communication preferences
- Detect and prevent fraud, abuse, and security incidents
- Enforce our Terms and protect our rights and users
D. Analytics and improvement
- Understand how people use the Services
- Improve website performance and user experience
- Measure advertising, attribution, and conversions
E. Legal obligations
We may use information to comply with applicable laws, regulations, and lawful requests, and to resolve disputes.
SMS Opt In Details and Your Choices
A. SMS program and message types
If you opt in, Help for America may send SMS messages that include:
- Service and informational messages (request follow up, verification, reminders, scheduling, and updates)
- Marketing and promotional messages (offers, announcements, and information relevant to your request)
- Security and compliance messages (fraud prevention and account or intake related notices)
B. Message frequency and rates
Message frequency varies. Message and data rates may apply.
C. Opt out and help
You can opt out of SMS at any time by replying STOP to any message. After opting out, you may receive one additional message confirming your opt out. For help, reply HELP or contact hello@helpforamerica.org.
D. Calls and voicemail
If you provide consent, we and our network partners may contact you by phone or voicemail regarding your request and related services. Any consent language presented at the time you submit your phone number controls.
Mobile Information Sharing Statement
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
We may share mobile information with service providers that assist with delivering communications, operating our systems, providing customer support, preventing fraud, and maintaining compliance. Text messaging originator opt in data and consent information will not be shared with third parties for marketing.
Data Retention
We retain personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, including providing services, maintaining consent records, supporting compliance, preventing fraud, resolving disputes, enforcing agreements, and meeting legal obligations.
Retention periods may vary depending on the type of data, the nature of your request, and applicable legal requirements.
Data Security and Handling
We use reasonable administrative, technical, and organizational safeguards designed to protect information, including access controls, monitoring, and encryption in transit where appropriate. No system can be guaranteed to be 100 percent secure. You are responsible for using secure networks and protecting your device and account credentials.
Your Rights and Choices
Depending on your state of residence, you may have rights such as:
- Access: request the categories and specific pieces of personal information we maintain about you
- Correction: request correction of inaccurate personal information
- Deletion: request deletion of certain personal information, subject to legal exceptions
- Opt out: opt out of certain processing such as targeted advertising where applicable
- Portability: request a copy of certain information in a portable format
- Non discrimination: you will not be treated unfairly for exercising your rights
To exercise your rights, contact hello@helpforamerica.org. We may need to verify your identity before completing a request.
Communication choices
- Email: use unsubscribe links where provided
- SMS: reply STOP to opt out
- Calls: request placement on our internal do not call list by contacting support
Children’s Privacy
The Services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If we learn we collected information from a person under 18, we will take reasonable steps to delete it.
Updates to This Privacy Policy
We may update this Privacy Policy from time to time. The effective date at the top reflects the most recent version. Material changes may be posted on the Services.
Contact Us
Help for America
Email: hello@helpforamerica.org