Privacy Policy

Last updated: August 1, 2025

1. Who we are

Summit Advisory Partners (“we,” “us,” “our”) is an independent health insurance advisory and brokerage firm. We help individuals, families, and businesses compare and enroll in health coverage.
Contact: info@summitadvisorypartners.com
Licensing: We are licensed in many U.S. states. A current list of states is available on request and may be posted on our site.

2. Scope

This policy explains how we collect, use, disclose, and protect information when you visit https://www.summitadvisorypartners.com/, use our forms or chat, download resources, communicate with us by phone, text, or email, or enroll through us.

3. Information we collect

You provide:

• Identity and contact data: first and last name, date of birth, email, phone, and full mailing address.

• Coverage preferences: doctors, medications, preferred networks, household members, and desired start dates.

• Application and billing data: date of birth, first and last name, full address, and banking information (routing and account number) solely to set up health insurance premium payments with your explicit approval. We do not request other artifacts unless a carrier or marketplace specifically requires them for eligibility.

Collected automatically: IP address, device and browser type, pages viewed, timestamps, and similar analytics through cookies or pixels.

From third parties: insurance carriers, marketplaces, enrollment platforms, identity or eligibility verification vendors, and referral partners to the extent needed to quote and enroll at your request.

4. Children’s privacy

Our site is intended for adults. Parents or legal guardians may provide information to obtain coverage for a minor. We do not knowingly collect personal information from children under 13.

5. How we use information

We use information to:

• Provide quotes, compare plans, and process applications you request

• Verify eligibility with marketplaces and private carriers

• Service your policy for its lifetime, including claims guidance, billing, renewals, and changes

• Communicate by email, phone, and text regarding your request or policy

• Operate, secure, and improve our site and services

• Comply with legal obligations and enforce agreements

• Initiate or facilitate premium payments you authorize, including securely transmitting your banking information to the applicable carrier or payment processor

Lawful bases for EU or UK visitors: consent, contract performance, legitimate interests, and legal obligations where applicable.

6. SMS, calls, and email

By submitting a form or contacting us, you consent to receive communications related to quotes, enrollment, and service. Consent is not a condition of purchase.

• Text opt out: reply STOP to end texts, HELP for help. Message and data rates may apply.

• Email opt out: use the unsubscribe link or contact us.

• Call preference: If you prefer email only, tell us, and we will honor that.

7. Disclosure of information

We share information only as needed to serve you or comply with law:

• Service providers that host our site, manage communications, verify identity, or process forms

• Insurance carriers, marketplaces, and enrollment platforms to obtain quotes and submit applications with your authorization

• Payment processors and carriers for the limited purpose of setting up and servicing premium payments you authorize. We do not sell or license your banking information

• Legal and compliance when required by law or to protect rights and security

We do not sell your personal information.

8. HIPAA alignment

We are generally not a HIPAA-covered entity. When we support a carrier or other covered entity, we act under contractual privacy and security obligations similar to HIPAA. We apply administrative, technical, and physical safeguards to protect sensitive data. Please avoid sending full SSNs or medical records by email.

9. Cookies and analytics

We use cookies and pixels for essential site functions, performance measurement, and advertising attribution. You can manage cookies through your browser settings. Our site may not respond to Do Not Track signals.

10. Data retention

We retain information only as long as needed to provide services, meet legal or audit requirements, and maintain accurate records. We do not store full bank account numbers on public website systems. Where ongoing payment authorization is required, full banking details are stored only by our contracted payment processor or by the insurance carrier. We may retain limited non-sensitive records, such as the last four digits of an account number, transaction dates, and amounts, for reconciliation, servicing, and compliance.

11. Security

We use reasonable safeguards, including encryption in transit, access controls, and least-privilege practices. Banking information is encrypted in transit and shared only with authorized carriers or PCI-compliant payment processors. No method of transmission or storage is completely secure.

12. Your privacy rights

Depending on your location, you may have the right to access, correct, delete, or limit use of your information and to opt out of certain disclosures or targeted advertising.

• California, Colorado, Connecticut, Utah, Virginia: submit a request to [privacy email]. We will verify and respond as required by law.

• EU or UK: You may have additional rights. Contact us or your supervisory authority.

We will not discriminate against you for exercising your rights.

13. Third-party links

Our site may link to third-party websites or tools. Their privacy practices apply when you use those services.

14. International transfers

If you are outside the United States, your information may be processed in the United States, where laws may differ. We protect your information consistent with this policy.

15. Changes to this policy

We may update this policy. Material changes will be posted here with a new “Last updated” date.

16. Contact us

Questions or requests: info@summitadvisorypartners.com