Privacy Policy

We collect and store information you voluntarily provide through contact forms, consultation requests, electronic documents, or other interactions on our website. This may include your name, email address, phone number, and any details you choose to share regarding your insurance needs or business inquiries. We also automatically collect non‑personal information such as IP address, device type, browser details, and general site‑usage analytics. This information helps us improve website performance and user experience.

 

How We Use Your Information

We use the information we collect to:

• Respond to inquiries and provide requested services

• Schedule consultations and discovery meetings

• Deliver personalized insurance guidance

• Send service‑related updates, reminders, and educational content

• Improve website functionality and user experience

• Comply with applicable laws and regulations

 

We do not sell, trade, or share your personal information with third parties for marketing purposes.

 

Protected Health Information (PHI)

We do not store Protected Health Information (PHI) on our website or Wix platform. Any PHI you provide (such as medications, doctors, or health details) is collected and stored securely through HIPAA‑compliant tools, including:

• Microsoft Forms (for intake and updates)

• Microsoft OneDrive/SharePoint (for secure storage)

• Adobe Sign (for electronic signatures such as Scope of Appointment forms)

These platforms maintain industry‑standard security practices and provide encrypted, compliant storage for sensitive information.

 

Data Storage

Our website is hosted on the Wix.com platform. Wix stores non‑PHI data on secure servers behind a firewall and maintains industry‑standard security practices. Any PHI submitted through HIPAA‑compliant forms is not stored on Wix and is instead stored securely within Microsoft’s HIPAA‑compliant environment.

 

Electronic Signatures

We use Adobe Sign for electronic signatures on documents such as Scope of Appointment forms. Adobe Sign provides legally binding signatures, time‑stamped certificates, and secure storage compliant with CMS and carrier requirements.

 

Communication & Email Consent

We may contact you regarding your inquiry, to schedule meetings, provide updates, or share helpful information such as insurance changes, senior living tips, holiday messages, or reminders.

 

You may choose your communication preferences at any time. If you wish to opt out of non‑essential emails, you may contact us at:

mzingale@healthandwealthmanagement.net

 

Opt‑Out & Data Requests

You may request access, correction, or deletion of the personal information we store about you. However, certain documents cannot be deleted due to federal insurance regulations.

Under CMS and carrier requirements, documents such as Scope of Appointment forms, enrollment records, plan comparisons, and other compliance‑related materials must be retained for up to ten (10) years. These records are required for audit purposes and cannot be removed from our system until the legally mandated retention period has passed. All other non‑regulated personal information may be deleted upon request.

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To submit an access, correction, or deletion request, contact:

mzingale@healthandwealthmanagement.net

 

Policy Updates

We may update this privacy policy from time to time. Changes will take effect immediately upon posting. We encourage you to review this page periodically to stay informed about how your information is handled.