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Terms of Service

Last Updated: 6/10/2024

Our business utilizes SMS.  By contacting us, you are consenting to receive phone calls.  However, for SMS messages, we need your verbal authorization or you can text us SUBSCRIBE to receive notifications and alerts from us. 

You can cancel the SMS service at any time by texting STOP, calling us at 303-990-5051 or emailing us at expressinsurancemarket@gmail.com .  If you want to receive SMS service again, please text/call/email to let us know.

For help, text HELP. 

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent triggered based on transaction and message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

SMS consent is respected and not shared with third parties or affiliates for marketing purposes. 

If you have any questions regarding privacy, please read our Privacy Policy.

Privacy Policy

We are committed to protecting your privacy and the confidentiality of your personal information. This Privacy Policy explains how we collect, use, and disclose your personal information in connection with our health insurance brokerage services.

1. Collection of Personal Information
We may collect the following types of personal information:
 Contact information, such as your name, address, phone number, and email address
 Demographic information, such as your age, gender, and marital status
 Health information, such as your medical history, health conditions, and medications
 Insurance information, such as your current coverage and policy details
 Financial information, such as your income and payment information
We collect this information in order to provide you with health insurance brokerage services, to communicate with you, and to personalize your experience. We may collect this information from you directly, from your healthcare providers, from insurance carriers, and from other sources as necessary.

2. Use of Personal Information
We use your personal information for the following purposes:
 To provide health insurance brokerage services to you
 To communicate with you about your insurance needs and options
 To personalize your experience and improve our services
 To comply with legal and regulatory requirements
 To protect the rights, property, or safety of our company, our customers, or others

We do not sell, rent, or otherwise disclose your personal information to third parties except as described in this Privacy Policy.

3. Disclosure of Personal Information
We may disclose your personal information to third parties in the following circumstances:
 To insurance carriers and underwriters in order to obtain quotes and coverage
 To healthcare providers in order to facilitate care coordination and management
 To third-party service providers who perform services on our behalf, such as data processing, marketing, and customer service
 To comply with legal and regulatory requirements
 In connection with a merger, acquisition, or other business transaction involving our company

We require these third parties to protect your personal information in accordance with this Privacy Policy and applicable laws and regulations.

4. Security of Personal Information
We take reasonable steps to protect your personal information from unauthorized access, use, and disclosure. We use physical, technical, and administrative safeguards to protect your personal information, and we require our third-party service providers to do the same.

5. Retention of Personal Information
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected and to comply with our legal obligations. We may also retain and use your personal information as necessary to resolve disputes, enforce our agreements, and protect our rights and interests.

6. Your Rights and Choices
You have the right to access, correct, or delete your personal information. You may also have the right to object to certain processing activities or to request that we restrict our use of your personal information. To exercise these rights or to make a complaint, please contact us.

7. Changes to this Privacy Policy
We may update this Privacy Policy from time to time.