Privacy Policy

1. Introduction

Next Level Health Insurance Agency ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (nextlevelhealth.com), use our services, or otherwise interact with us. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

2. Information We Collect

Personal Information You Provide:

• Full name, email address, phone number, and mailing address
• Date of birth, Social Security Number (when required for insurance applications)
• Health-related information necessary to provide insurance quotes and enrollment
• Employment information, income details, and household size
• Payment and billing information
• Resume and employment history (for job applicants)

Information Collected Automatically:

• IP address, browser type, operating system, and device identifiers
• Pages visited, time spent on pages, and referral URLs
• Cookies, web beacons, and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our insurance brokerage services
• To process insurance applications, quotes, and enrollment requests
• To communicate with you regarding your inquiries, applications, and policy information
• To send you marketing communications, newsletters, and promotional offers (with your consent where required)
• To comply with applicable federal, state, and local laws and regulations
• To detect, prevent, and address fraud, security issues, and technical problems
• To enforce our Terms of Service and protect our legal rights
• To process job applications submitted through our Careers page
• For internal analytics, research, and business operations improvement

4. How We Share Your Information

We may share your personal information with:

• Insurance carriers and underwriters — to obtain quotes, process applications, and facilitate enrollment on your behalf
• Service providers — third-party vendors who assist with website hosting, data analytics, email delivery, payment processing, and customer support
• Legal and regulatory authorities — when required by law, subpoena, court order, or governmental regulation
• Business transfers — in connection with a merger, acquisition, reorganization, or sale of assets

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

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze site usage, and assist in our marketing efforts. You may control cookie preferences through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

6. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (SSL/TLS), secure server infrastructure, 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.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for the duration required by applicable state and federal regulations. When personal information is no longer needed, we will securely delete or anonymize it.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at support@nextlevelhealthmia.com or call 1-877-313-2796. We will respond to verifiable requests within 30 days.

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete, and the right to opt out of the sale or sharing of personal information. We do not sell personal information. To submit a request, contact us using the information provided below.

10. HIPAA Compliance

To the extent that we receive protected health information (PHI) in connection with insurance enrollment or claims, we handle such information in accordance with the Health Insurance Portability and Accountability Act (HIPAA) and applicable state privacy laws. We maintain appropriate safeguards to protect PHI and limit its use and disclosure to authorized purposes.

11. 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 a child under 18 has provided personal information, we will take steps to delete such information promptly.

12. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and enrollment platforms. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

13. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting to this page with a revised "Effective Date." Your continued use of our services after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

14. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: