Privacy Policy

1. Introduction

Gulf Coast Coverage ("we," "our," or "us") operates the website gulfcoastcoverage.com (the "Site"). We are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains what information we collect, how we use it, who we share it with, and your rights with respect to that information.

By using this Site and submitting information through our forms, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use this Site.

2. Information We Collect

We collect information that you voluntarily provide to us when you complete a form on our Site. The types of personal information we may collect include:

• Contact information: first name, last name, phone number, email address
• Location information: zip code, state
• Household information: household size, date of birth or age range
• Insurance information: type of coverage you are interested in (health insurance, life insurance, or both), current coverage status
• Financial information: estimated annual household income (used only for subsidy estimation)
• Calculator inputs: household size and income entered into our subsidy calculator tool
• Technical information: the URL of the page where you submitted a form, UTM parameters from marketing links, your IP address, browser type, and device type (collected automatically when you visit the Site)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To connect you with a licensed insurance advisor who can answer your questions and present plan options available in your area
• To contact you by phone, text message, or email in response to your inquiry — including calls and texts from licensed advisors regarding health insurance and life insurance options
• To provide you with information about health insurance plans, pricing, and subsidy eligibility
• To improve our Site, tools, and content
• To comply with legal obligations

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects.

4. How We Share Your Information

We take your privacy seriously and do not sell your personal information to third-party data brokers or marketing lists. Your information may be shared in the following limited circumstances:

• Licensed insurance advisors: When you submit a form, your information is shared with licensed insurance advisors associated with Gulf Coast Coverage who will contact you to provide plan comparisons and guidance. These advisors are bound by applicable licensing requirements and professional standards.
• Insurance carriers: If you choose to enroll in a plan, your information will be shared with the relevant carrier as required to complete enrollment. We will not share your information with carriers for marketing purposes without your knowledge.
• Service providers: We use third-party service providers (such as website hosting, form processing, and analytics providers) who may have access to your information in order to provide services on our behalf. These providers are contractually required to use your information only for those services.
• Legal compliance: We may disclose your information if required by law, court order, or government request, or to protect the safety, rights, or property of Gulf Coast Coverage or others.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you if your information becomes subject to a materially different privacy policy.

5. TCPA Consent and Communications

By submitting a form on our Site, you expressly consent to be contacted by Gulf Coast Coverage and its associated licensed advisors at the phone number you provide, including by:

• Telephone calls (including calls made using an automatic telephone dialing system or an artificial or prerecorded voice)
• Text/SMS messages
• Email

This consent covers contact regarding health insurance plans, life insurance, and related insurance products. Standard message and data rates may apply to text messages. You may opt out of text messages at any time by replying STOP to any text you receive from us. You may opt out of email communications by using the unsubscribe link in any email or by contacting us directly.

Your consent to receive automated calls and texts is not a condition of purchasing any insurance product. You may still speak with a licensed advisor by calling us directly.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to improve your browsing experience and understand how our Site is used. We may use:

• Session cookies: Temporary cookies that expire when you close your browser
• Analytics cookies: Used to collect information about how visitors use our Site (pages visited, time spent, referral sources)
• Marketing attribution: UTM parameters in URLs to track which marketing channels referred you to our Site

Most browsers allow you to control cookies through their settings. Disabling cookies may affect the functionality of some features of our Site.

7. Data Security

We implement reasonable technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. If you request that we delete your information and are not a current or recent client, we will honor that request within a reasonable timeframe, subject to legal obligations.

9. Children's Privacy

Our Site is not directed to children under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

10. 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 (subject to legal retention requirements)
• Opt out of the sale of your personal information (we do not sell personal information)
• Opt out of certain communications

To exercise any of these rights, please contact us using the information in Section 12 below.

11. Third-Party Websites

Our Site may contain links to third-party websites, including links to insurance carrier websites. These sites have their own privacy policies, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Gulf Coast Coverage
Website: gulfcoastcoverage.com
Contact form: gulfcoastcoverage.com/contact

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of the Site after changes are posted constitutes your acceptance of the updated policy.