Privacy Policy
Effective Date: December 30, 2025
Pearl Insurance Services (“we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information when you interact with us, including through our website, phone calls, email, SMS/text messaging, and other communications related to health, Medicare, and life insurance services.
By using our services or communicating with us, you consent to the practices described in this Privacy Policy.
This policy is intended to comply with applicable federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA), the Telephone Consumer Protection Act (TCPA), and applicable state insurance and privacy regulations.
1. Information We Collect
We collect information you provide directly to us and information collected automatically when you interact with our services.
Information You Provide
This may include:
Contact Information: Name, phone number, email address, mailing address
Demographic Information: Age, date of birth, gender
Health Information: Information related to your health, medical history, or insurance needs, as necessary to provide insurance quotes or enrollment services (handled in accordance with HIPAA, where applicable)
Financial Information: Information necessary to process insurance applications or premium payments
Identification Information: Social Security number or other identifiers, when required for insurance enrollment or verification
Automatically Collected Information
When you visit our website or communicate with us, we may automatically collect:
Website Usage Data: IP address, browser type, device information, pages viewed, and time spent on our website
Communication Records: Records of calls, emails, or SMS/text messages, including consent records and communication history
Information from Third Parties
We may receive information from third parties such as lead providers, marketing partners, or insurance carriers, provided they have obtained appropriate consent to share such information.
2. How We Use Your Information
We use your information to:
Provide insurance quotes, applications, enrollments, and customer support
Communicate with you regarding your insurance options, coverage, appointments, renewals, or account-related matters
Send marketing or informational messages, where permitted by law and with your consent
Comply with legal, regulatory, and contractual obligations
Improve our services, website functionality, and customer experience
Protect against fraud, unauthorized access, or misuse of our systems
3. SMS / Text Messaging Communications
By providing your phone number and opting in, you consent to receive SMS/text messages from Pearl Insurance Services. These messages may include:
Updates regarding insurance quotes, applications, or enrollment
Appointment reminders or renewal notifications
Informational or marketing messages related to our services
Consent and Opt-Out
Opt-In: You will only receive SMS messages if you provide prior express consent, such as by checking a consent box, submitting a form, or replying “YES.”
Opt-Out: You may opt out at any time by replying STOP to any message or by contacting us at (832) 344-3953 or adam@pearlinsured.com.
Message and data rates may apply. We do not send SMS messages without prior express consent, in accordance with the TCPA.
4. How We Share Your Information
We may share your information only as necessary and as permitted by law, including:
Insurance Carriers: To process applications, enrollments, or service requests
Service Providers: With trusted third parties (such as CRM platforms, SMS providers, or payment processors) who support our operations and are required to protect your information
Legal Requirements: When required to comply with laws, regulations, subpoenas, or government requests
Business Transfers: In connection with a merger, sale, or transfer of business assets
With Your Consent: When you authorize us to do so
We do not sell your personal information to third parties for their own marketing purposes.
5. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information, including:
Encryption of sensitive data when appropriate
Access controls and employee training
HIPAA-compliant procedures for protected health information
No system can be guaranteed to be 100% secure. If you believe your information has been accessed without authorization, please contact us immediately.
6. Your Rights and Choices
Depending on applicable laws, you may have the right to:
Request access to or correction of your personal information
Opt out of marketing communications, including SMS messages
Exercise rights related to protected health information under HIPAA
Exercise state-specific privacy rights (such as under the CCPA, where applicable)
To make a request, contact us at (832) 344-3953 or adam@pearlinsured.com.
7. Data Retention
We retain personal information only as long as necessary to provide services, meet legal requirements, and maintain compliance records, including:
Retention of SMS consent records for TCPA compliance
Retention of health information in accordance with HIPAA requirements
When information is no longer required, we securely delete or anonymize it.
8. Third-Party Links
Our website or communications may include links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies before submitting information.
9. Children’s Privacy
Our services are not intended for individuals under 18. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on our website with a revised effective date.
11. Contact Information
Pearl Insurance Services
6701 Rialto Blvd, Unit 1101
Austin, TX 78735
Phone: (832) 344-3953
Email: adam@pearlinsured.com
For SMS opt-out, reply STOP to any message.