Privacy Policy

Last updated:

Introduction

Vital Insurance Group, LLC ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (vitalagents.com) or interact with our services.

By using our website or submitting your information to us, you consent to the practices described in this policy.

Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Demographic Information: Date of birth, gender, household size, and ZIP code.
• Financial Information: Estimated annual household income (used solely for subsidy eligibility estimates).
• Health Information: General health conditions you disclose during the quoting process (e.g., pre-existing conditions), qualifying life events, and coverage preferences.
• Technical Information: IP address, browser type, device information, pages visited, and cookies.

How We Collect Your Information

We collect information when you:

• Fill out a quote form on our website
• Call our office or speak with an agent
• Send us an email or contact form submission
• Navigate our website (via cookies and analytics)

How We Use Your Information

We use the information we collect to:

• Provide health insurance quotes and plan comparisons
• Connect you with a licensed agent to discuss your coverage options
• Determine potential subsidy eligibility for ACA Marketplace plans
• Process insurance applications on your behalf
• Communicate with you about your coverage, enrollment status, or policy changes
• Improve our website and services
• Comply with legal and regulatory requirements

Information Sharing and Disclosure

We do not sell your personal information to third-party lead buyers, telemarketers, or data brokers.

We may share your information with:

• Insurance Carriers: To process your application and facilitate enrollment in a health insurance plan.
• Government Marketplaces: When submitting applications through the Health Insurance Marketplace (Healthcare.gov) or HealthSherpa.
• Service Providers: Third-party vendors that help us operate our website and business (e.g., CRM systems, phone systems), subject to confidentiality agreements.
• Legal Requirements: When required by law, subpoena, or other legal process.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve your experience, analyze usage patterns, and deliver relevant content. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our site.

Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of the sale of your personal information (we don't sell it, but you can confirm this)
• Opt out of marketing communications at any time

To exercise any of these rights, please contact us at info@vitalagents.com or call 888-939-8482.

TCPA Consent

By submitting your phone number through our website and checking the consent box, you provide prior express written consent under the Telephone Consumer Protection Act (TCPA) to receive marketing communications from Vital Insurance Group, LLC via phone, email, or SMS/text message. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. This consent is not a condition of purchase.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

Vital Insurance Group, LLC
Email: info@vitalagents.com
Phone: 888-939-8482