Privacy Policy | Portal Life and Health

Effective Date: January 1, 2026 Last Updated: August 14, 2026

        Summary: Portal Life and Health collects personal and health information solely to help you find insurance coverage. We do not sell your data to third parties. We retain consent records for at least 5 years as required by FCC/TCPA regulations.
    

1. Who We Are

Portal Life and Health Insurance is an independent, licensed insurance agency located at 806 Loop Ave STE D, Bainbridge, GA 39819. We are not affiliated with or endorsed by the federal Health Insurance Marketplace (Healthcare.gov), the Centers for Medicare & Medicaid Services (CMS), or any government agency.

2. Information We Collect

We may collect the following categories of personal information when you use our pre-qualification form or contact us:

Personal Identifiers: Name, date of birth, address, email address, phone number
Financial Information: Annual household income, household size
Health Information: Height, weight, pre-existing conditions, current medications, tobacco use, surgical history
Insurance Status: Current coverage type (Medicare, Medicaid, employer, ACA, etc.)
Technical Data: IP address, browser user agent, page URL, and consent timestamp collected at the time of form submission for TCPA compliance purposes

3. How We Use Your Information

To evaluate your eligibility for health insurance and life insurance products
To contact you about insurance options by phone, text, or email (with your consent)
To schedule consultations and process applications
To comply with federal and state insurance regulations
To maintain TCPA consent records as required by the FCC
To improve our services and communication

4. TCPA & Telephone Communications Consent

By checking the consent box on our form, you expressly authorize Portal Life and Health Insurance to contact you using automated or pre-recorded calls, SMS/text messages, and email at the phone number and email address you provide — even if your number is on a federal or state Do-Not-Call registry.

Your consent is not a condition of purchasing any product or service. You may revoke consent at any time by emailing aeportal82@gmail.com or calling (229) 205-2059.

Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages.

FCC Compliance: Per FCC regulations effective January 27, 2025, your consent is collected on a one-to-one basis, naming Portal Life and Health Insurance specifically as the party authorized to contact you. Your consent record — including timestamp, IP address, and consent language — is retained for a minimum of 5 years.

5. HIPAA & Health Information

The health information you provide is used exclusively to evaluate your eligibility for insurance coverage. It is shared only with licensed insurance professionals at Portal Life and Health. We do not sell, rent, or trade your personal health data. We implement appropriate administrative, technical, and physical safeguards to protect your information.

6. ACA / Marketplace Disclosure

Portal Life and Health is an independent insurance agency. Plans we offer may be Affordable Care Act (ACA)-compliant individual/family plans, short-term health plans, or supplemental insurance products. We do not enroll consumers through the federal or state Health Insurance Marketplace. For official Marketplace enrollment, visit Healthcare.gov.

7. Information Sharing

We do not sell your personal information. We may share your information with:

Licensed insurance carriers to obtain quotes on your behalf (with your consent)
Service providers who assist us in operating our platform (bound by confidentiality agreements)
Legal authorities when required by law, court order, or regulatory requirement

8. Data Retention

We retain your personal information for as long as necessary to provide services and comply with legal obligations. TCPA consent records are retained for a minimum of 5 years per FCC regulations. You may request deletion of your data at any time (subject to legal retention requirements) by contacting us.

9. Your Rights

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate data
Deletion: Request deletion of your data (subject to legal obligations)
Opt-Out: Revoke consent to be contacted at any time
California Residents (CCPA): You have the right to know, delete, and opt-out of the sale of personal information. We do not sell personal information.

10. Cookies & Tracking

Our website may use cookies and similar technologies to improve functionality. We do not use tracking for advertising purposes. You may disable cookies through your browser settings.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has submitted information through our site, contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be reflected by updating the "Last Updated" date above. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Us

For privacy-related questions, to exercise your rights, or to revoke consent:

Email: aeportal82@gmail.com
Phone: (229) 205-2059
Mail: Portal Life and Health Insurance, 806 Loop Ave STE D, Bainbridge, GA 39819
Website: portallifeandhealthinsurance.com