Cookie Policy

1. Introduction

Stellar Health Insurance may use cookies and similar technologies to operate this website, remember your preferences, understand how the website is used, and, where applicable, support analytics or advertising. This policy explains what these technologies are and which ones this website actually uses today.

Cookies are small pieces of information stored on or accessed from your device when you visit a website. Similar technologies can include local storage, pixels, tags, software development kits (SDKs), tracking scripts, and other browser technologies. Listing a technology here does not mean this website uses it; see the Current Cookie Inventory for what is actually in use.

2. Types of Cookies

A. Strictly Necessary

These are required for essential website functions such as security, form operation, session functionality, fraud prevention, load balancing, and storing your privacy preferences. They cannot be turned off through our preference center because the website may not work properly without them.

B. Functional

Functional technologies remember preferences or enable optional features, such as language or interface settings and optional embedded tools. This website does not currently use functional cookies.

C. Analytics

Analytics technologies can help a business understand visitor numbers, pages viewed, approximate traffic sources, website performance, navigation patterns, and device and browser information. This website does not currently use any analytics service.

D. Advertising / Targeting

This website does not currently use advertising, retargeting, or social media tracking technologies.

3. Current Cookie Inventory

Based on a review of this website, the following technologies are currently in use:

Our hosting and security providers may also use strictly necessary technologies to deliver the website securely. Duration varies; see provider documentation.

4. Managing Your Preferences

When you first visit, a banner lets you choose "Accept All," "Reject Non-Essential," or "Manage Preferences." You can change or withdraw your choices at any time using the "Cookie Preferences" link in the footer, or with the button below, without clearing your browser cookies.

Your choice is saved on your device in a necessary local storage entry named "stellar_cookie_preferences," which contains only your category choices and the date they were saved. If optional technologies are added in the future, they will remain off until you allow them.

5. Texas Privacy Rights

Texas consumers may have rights under the Texas Data Privacy and Security Act, where applicable, including the right to opt out of qualifying targeted advertising, the sale of personal data, and profiling in furtherance of decisions that produce legal or similarly significant effects. Not every cookie constitutes a "sale" of personal data. This website does not currently use targeted advertising technologies. For a full explanation of your rights and how to exercise them, see our Privacy Policy.

6. Universal Opt-Out Signals

This website does not currently use technologies that would be affected by browser-based universal opt-out signals such as Global Privacy Control. If that changes, we will update this policy to describe how such signals are handled.

7. Health and Insurance Information

Because we work in health insurance, we take extra care with sensitive information. We do not place advertising, retargeting, behavioral profiling, or social media tracking technologies on our consultation form or other pages that may reveal health or insurance information. We do not send form contents, medical information, insurance application details, or sensitive identifiers to analytics or advertising providers, and we do not place such information in website addresses or page titles.

8. Data Collected Through These Technologies

Depending on the technologies in use, information automatically received may include:

• IP address;
• browser type;
• device type;
• operating system;
• pages viewed;
• referring website;
• approximate geographic area derived from IP address;
• timestamps; and
• website interactions.

This website does not collect your exact geographic location.

9. Browser Controls

Most web browsers let you view, block, or delete cookies and site data through their settings. Disabling some cookies or storage may affect how the website works.

10. Third-Party Services

Third-party providers process information according to their own privacy policies. This website loads fonts from Google Fonts; see the Google Privacy Policy. Our footer links to our Facebook page; Facebook only receives information if you choose to follow that link, under the Meta Privacy Policy. No Facebook tracking is installed on this website.

11. Updates to This Cookie Policy

We may update this Cookie Policy when technologies, service providers, website functionality, or privacy laws change. We will update the "Last Updated" date whenever we make material changes.

12. Questions About Cookies and Privacy