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Privacy Policy

Last Updated: September 4, 2026

Budd Health Advisors (“BHA,” “we,” “our,” or “us”) respects your privacy and is committed to handling personal information responsibly. This Privacy Policy explains what information we may collect through our website, forms, consultations, communications, and related services; how we may use and disclose that information; and the choices available to you.

By using this website or voluntarily providing information to Budd Health Advisors, you acknowledge the practices described in this Privacy Policy.

1. Information We May Collect

The information we collect depends on how you interact with Budd Health Advisors.

Information You Provide Directly

You may choose to provide information such as:

  • Name

  • Email address

  • Phone number

  • State of residence

  • Preferred contact information

  • Information submitted through website forms

  • Appointment or scheduling information

  • General information about your health insurance needs

  • Household or family coverage information

  • Employment or self-employment status

  • Business and employee information when discussing small-business coverage

  • Provider, prescription, budget, or coverage preferences

  • Other information you voluntarily provide during a consultation or communication with BHA

When evaluating insurance options, you may also choose to provide health-related or eligibility information that may be necessary to determine whether certain plans or carriers are appropriate to consider.

Please do not submit highly sensitive information such as Social Security numbers, financial account numbers, payment card information, or complete medical records through general website contact forms unless you are specifically instructed to provide that information through an appropriate secure process.

Information Collected Automatically

When you visit our website, certain information may be collected automatically through website technology, cookies, analytics tools, or similar services. This information may include:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Pages visited

  • Referring website

  • Approximate geographic location

  • Time spent on pages

  • Website interactions

  • General traffic and usage information

We use this information primarily to understand how visitors use the website, maintain site functionality, improve content, and measure the effectiveness of our marketing and educational materials.

2. How We Use Personal Information

Budd Health Advisors may use personal information to:

  • Respond to questions or requests

  • Schedule consultations

  • Communicate about health insurance options

  • Understand your coverage needs and preferences

  • Determine which available insurance options may be appropriate to review

  • Assist with insurance applications or enrollment when requested

  • Communicate with insurance carriers, administrators, or other parties involved in obtaining coverage

  • Provide ongoing client support

  • Send appointment confirmations, reminders, or follow-up communications

  • Improve our website, services, educational materials, and client experience

  • Maintain business and client records

  • Detect or prevent fraud, misuse, security threats, or unlawful activity

  • Comply with applicable legal, regulatory, licensing, or recordkeeping requirements

  • Enforce our website terms and protect our legal rights

We seek to collect and use personal information only for legitimate business purposes related to providing health insurance guidance, operating our business, maintaining our website, and communicating with clients and prospective clients.

3. Health-Related Information

Because Budd Health Advisors provides health insurance guidance, certain interactions may involve health-related information.

For example, when discussing medically underwritten private health insurance, eligibility for certain plans may depend on health history, prescriptions, treatment history, or other health-related factors.

We may use health-related information you voluntarily provide for purposes such as:

  • Understanding potential insurance eligibility

  • Identifying plans or carriers that may be appropriate to consider

  • Assisting with an insurance application

  • Answering questions about available coverage

  • Providing ongoing support related to coverage

Health-related information should only be collected, used, retained, or disclosed when reasonably necessary for the insurance services being requested.

Budd Health Advisors does not represent through this Privacy Policy that every type of information collected or processed through our services is subject to the Health Insurance Portability and Accountability Act (“HIPAA”). Different privacy laws and requirements may apply depending on the information involved, the service being provided, and the parties processing the information.

4. How We May Share Information

Budd Health Advisors does not sell personal information for monetary consideration.

We may disclose personal information when reasonably necessary to operate our business or provide requested services, including to:

Insurance Carriers and Related Organizations

If you ask us to help you evaluate, apply for, or enroll in insurance coverage, relevant information may be provided to insurance carriers, administrators, enrollment platforms, or other organizations involved in the application or coverage process.

Those organizations may have their own privacy policies and data-handling practices.

Service Providers

We may use third-party service providers that help operate our business and website. Depending on the services being used, these providers may include companies that assist with:

  • Website hosting and operation

  • Appointment scheduling

  • Customer relationship management

  • Email or text communications

  • Website forms

  • Analytics

  • Marketing measurement

  • Review display or reputation-management tools

  • Security

  • Data storage

  • Administrative support

These providers may process information on our behalf as necessary to provide their services.

Legal or Regulatory Requirements

We may disclose information when reasonably necessary to:

  • Comply with applicable law, regulation, court order, subpoena, or lawful government request

  • Meet insurance licensing, regulatory, or recordkeeping obligations

  • Protect the rights, safety, property, or security of Budd Health Advisors, our clients, or others

  • Investigate suspected fraud, abuse, security incidents, or unlawful activity

At Your Direction or With Your Consent

We may disclose information when you specifically ask us to do so or otherwise authorize the disclosure.

5. Cookies, Analytics, and Website Technology

Our website may use cookies and similar technologies to operate properly, remember preferences, understand visitor behavior, measure website performance, and improve the user experience.

Certain website, analytics, marketing, scheduling, or embedded services may place or access cookies or similar technologies when you interact with the site.

Depending on your browser, device, location, and applicable law, you may have options to limit or disable certain cookies. Disabling cookies may affect the functionality of some parts of the website.

Where required by applicable law, we will provide appropriate choices regarding cookies or similar tracking technologies.

6. Email, Phone, and Text Communications

If you provide your contact information, Budd Health Advisors may use it to respond to your inquiry, confirm or remind you about an appointment, follow up regarding requested insurance information, or provide client support.

If you affirmatively opt in to receive text messages, BHA may send communications related to your inquiry, appointment, insurance options, application, enrollment, or existing coverage.

You may request that we stop non-required communications at any time. For text messages, you may generally reply STOP to opt out of future text messages from that messaging number. You may also contact us directly using the information listed below.

Certain administrative, transactional, regulatory, or service-related communications may still be necessary when you are an active client or have an ongoing insurance application.

7. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

  • Providing requested services

  • Maintaining client and business records

  • Meeting insurance, licensing, contractual, tax, or regulatory requirements

  • Resolving disputes

  • Protecting legal rights

  • Preventing fraud or misuse

Retention periods may vary depending on the type of information and the reason it was collected.

When information is no longer reasonably necessary, we may delete, anonymize, or otherwise dispose of it in accordance with our business practices and applicable requirements.

8. Data Security

Budd Health Advisors takes reasonable administrative, technical, and organizational measures designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no method of transmitting information over the internet or storing information electronically can be guaranteed to be completely secure. For this reason, we cannot guarantee the absolute security of information transmitted through the website or other electronic communications.

Visitors should avoid submitting highly sensitive information through unsecured or general-purpose communication channels unless specifically instructed to do so.

9. Your Privacy Rights

Depending on where you live and which privacy laws apply, you may have certain rights regarding your personal information.

These rights may include the ability to:

  • Confirm whether we process your personal information

  • Request access to certain personal information

  • Request correction of inaccurate information

  • Request deletion of certain personal information

  • Request a portable copy of certain information

  • Opt out of certain uses of personal information, where applicable

  • Appeal certain decisions regarding a privacy request

  • Exercise applicable privacy rights without unlawful discrimination or retaliation

Not all rights apply in every situation, and certain information may be exempt from a request because of insurance, legal, regulatory, fraud-prevention, recordkeeping, or other requirements.

To submit a privacy request, contact us using the information in the Contact Us section below. We may need to verify your identity before completing certain requests.

If applicable law provides a right to appeal our response to a privacy request, you may submit an appeal using the same contact information.

10. Third-Party Websites and Insurance Platforms

Our website may link to insurance carriers, scheduling platforms, social media services, review platforms, educational resources, or other third-party websites.

Budd Health Advisors does not control the privacy practices of third-party websites or services. Information you submit directly to those organizations is governed by their own privacy policies and terms.

We encourage you to review the privacy practices of third-party services before providing sensitive personal information.

11. Children’s Privacy

The Budd Health Advisors website and services are intended for adults seeking information about health insurance coverage and are not directed toward children under 13.

We do not knowingly collect personal information directly from children under 13 through this website.

Information regarding dependent children may be provided by a parent, legal guardian, or other authorized adult when discussing family health insurance coverage.

If you believe a child has submitted personal information directly to us without appropriate authorization, please contact us so that we can review the situation and take appropriate action.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our website, business practices, services, technology, or applicable requirements.

When the policy is updated, the revised version will be posted on this page with a new Last Updated date.

We encourage visitors to review this Privacy Policy periodically.

13. Contact Us

If you have questions about this Privacy Policy, how Budd Health Advisors handles personal information, or a privacy-related request, please contact us:

Budd Health Advisors
Website: www.buddhealthins.com
Email: kyle@buddhealthins.com
Phone: 832-734-9301

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