Introduction
Reliable Health Partners, LLC ("Reliable Health Partners," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, submit information through our forms, communicate with us, or otherwise interact with our services.
By using our website or interacting with Reliable Health Partners, you acknowledge that you have read this Privacy Policy. If you do not agree with our privacy practices, please do not use the website or provide personal information through it.
Information We Collect
Personal Information You Provide
Depending on how you interact with us, we may collect personal information such as:
- Name
- Telephone and mobile phone numbers
- Email address
- Mailing and billing addresses
- Information submitted through contact, quote, enrollment, or other forms
- Information about your insurance or healthcare-related inquiries
- Account information, including usernames and passwords, where applicable
- Payment information, where applicable
- Government-issued identifiers, such as Social Security numbers, when legally required or when necessary for a service you request
- Other information you voluntarily provide to us
We collect only the information reasonably necessary for the purposes described in this Privacy Policy or for purposes disclosed to you at the time the information is collected.
Information Collected Automatically
When you visit our website, we may automatically collect certain technical and usage information, including:
- IP address
- Browser type and version
- Operating system
- Device information
- General location information
- Pages visited
- Referring and exit pages
- Date and time of visits
- Website usage patterns
- Cookie and similar technology information
Information From Other Sources
We may receive information from other sources, including public databases, service providers, marketing or advertising platforms, social media platforms, and other third parties, where permitted by law and appropriate to the services we provide.
How We Use Your Personal Information
We may use personal information for purposes including:
- Responding to inquiries and requests
- Providing information about insurance plans, products, services, and healthcare-related information
- Facilitating insurance plan inquiries, applications, and enrollment activities
- Creating and managing accounts, where applicable
- Communicating with you about your requests, services, appointments, or other interactions with us
- Sending administrative, transactional, and other communications for which you have provided appropriate consent
- Sending marketing communications where permitted by applicable law and where appropriate consent has been obtained
- Verifying information and preventing fraud
- Maintaining the security and integrity of our website and systems
- Performing analytics and improving our website, services, and user experience
- Complying with applicable laws, regulations, legal processes, and contractual obligations
- Protecting the rights, property, and safety of Reliable Health Partners, our users, and others
Telephone and SMS/Text Messaging Communications
If you provide your mobile telephone number and separately consent to receive text messages from Reliable Health Partners, we may use your mobile number to send text messages relating to the messaging program for which you provided consent.
Message frequency varies depending on your interactions with Reliable Health Partners and the messaging program.
Message and data rates may apply.
You can opt out of SMS messages at any time by replying STOP to a message. For assistance, reply HELP or contact us using the information provided in our Terms and Conditions.
SMS consent is optional and is not required to submit a website form or obtain services from Reliable Health Partners.
Mobile Information and Messaging Consent
No mobile information, including mobile telephone numbers, SMS/text messaging opt-in data, messaging consent records, or messaging preferences, will be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties for marketing or promotional purposes.
This restriction does not prevent Reliable Health Partners from using service providers as necessary to operate our messaging program or provide services to you, provided those providers process information on our behalf and are subject to appropriate contractual or legal obligations.
SMS consent is specific to Reliable Health Partners and the messaging program for which you provided consent. Your consent will not be treated as consent to receive messages from unrelated third parties.
When We Share Personal Information
We may disclose personal information in the following circumstances:
Service Providers
We may share personal information with vendors and service providers that perform services on our behalf, such as website hosting, technology, communications, analytics, security, payment processing, customer support, and other business operations.
These providers may access personal information only as reasonably necessary to perform services for us and are subject to appropriate contractual or legal obligations.
CMS and Related Entities
Where applicable and permitted by law, we may disclose information to the Centers for Medicare & Medicaid Services (CMS), government agencies, health plans, carriers, and other entities involved in processing or facilitating insurance applications, eligibility, enrollment, coverage, or related services.
Legal and Regulatory Requirements
We may disclose information when required by law, regulation, court order, subpoena, governmental request, or other legal process, or when disclosure is necessary to protect our rights, property, security, or the safety of individuals.
Business Transfers
If Reliable Health Partners is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, personal information may be transferred as part of that transaction, subject to applicable law.
Mobile Information and SMS Consent
Notwithstanding the general categories of sharing described above, mobile telephone numbers and text-messaging opt-in data and consent will not be shared, sold, rented, or disclosed to third parties or affiliates for their own marketing or promotional purposes.
How We Protect Personal Information
We use reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.
However, no method of transmission or electronic storage is completely secure. Therefore, we cannot guarantee that personal information will always remain completely secure.
Data Retention
We retain personal information for as long as reasonably necessary to provide services, fulfill the purposes described in this Privacy Policy, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and protect our legitimate business interests.
Specific retention periods may vary depending on the type of information and the purpose for which it was collected.
Where a specific legal or regulatory retention requirement applies, we will retain the applicable information for the period required by law.
When personal information is no longer required, we may securely delete, destroy, or anonymize it, subject to applicable legal and regulatory requirements.
Your Privacy Choices and Rights
Depending on your location and applicable law, you may have rights regarding your personal information, including rights to:
- Request access to personal information we maintain about you
- Request correction of inaccurate information
- Request deletion of personal information, subject to applicable legal exceptions
- Opt out of certain marketing communications
- Request information about how personal information is collected, used, or disclosed
To exercise applicable rights, contact us using the information provided in the Contact Us section below.
Email Communications
You may opt out of marketing emails by using the unsubscribe mechanism included in the applicable email.
SMS Communications
You may opt out of SMS communications at any time by replying STOP to the applicable message.
For assistance with SMS communications, reply HELP or contact us using the information below.
Opting out of marketing communications does not necessarily prevent us from sending administrative, transactional, service-related, or other communications that are necessary or permitted under applicable law.
California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by applicable California privacy laws.
Depending on the circumstances and applicable exemptions, these rights may include the right to request information about the personal information we collect, use, and disclose; request deletion or correction; and exercise applicable rights concerning certain uses or disclosures of personal information.
To submit a privacy request, contact us using the information below.
We will verify requests as required by applicable law before fulfilling them.
Children's Privacy
Our website is not directed to children under 18. We do not knowingly collect or solicit personal information from individuals under 18 through the website.
If we learn that we have collected personal information from an individual under 18 in circumstances where collection is not permitted, we will take reasonable steps to delete the information, subject to applicable legal requirements.
Do-Not-Track Signals
Our website does not currently respond to browser-based Do-Not-Track signals because there is not a universally accepted standard governing how such signals should be interpreted.
Third-Party Websites and Services
Our website may contain links to websites or services operated by third parties. We are not responsible for the privacy practices, content, security, or policies of third-party websites.
We encourage you to review the privacy policies of third-party websites before providing personal information.
Third-Party Websites and Services
We may update this Privacy Policy periodically to reflect changes in our business, website, services, legal requirements, or privacy practices.
When we make changes, we will update the Last Updated date at the top of this Privacy Policy. Changes become effective when posted unless otherwise stated.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Reliable Health Partners, LLC 2400 Louisiana Blvd NE, Building 3 Albuquerque, New Mexico 87110 United States
Email: communications@reliablehealthpartners.com Phone: 888-864-1880
Website and Health Insurance Disclaimer
Reliable Health Partners operates this website independently and is not the Health Insurance Marketplace.
Information provided through this website is for general informational purposes and may not constitute an offer, recommendation, or guarantee of coverage.
For comprehensive information about Marketplace plans and federal Marketplace services, visit HealthCare.gov.