Privacy Policy

1. Introduction#

Stellar Life & Health Insurance respects your privacy. This Privacy Policy explains how information is collected, used, disclosed, retained, and protected when you:

• visit this website;
• contact us;
• submit a form through this website;
• request an insurance quote;
• request information about insurance products; or
• become, or seek to become, a customer.

Certain insurance, financial, or health information may also be subject to additional federal or Texas privacy laws and notices. Where those laws apply, we will handle information in accordance with them, and any legally required notices will govern as described in this policy.

2. Information We May Collect#

A. Information you provide directly

When you contact us or request a quote or consultation, you may provide information such as:

• first and last name;
• email address;
• telephone number;
• mailing address and ZIP code;
• date of birth, if required for an insurance quote;
• household information;
• information about your insurance needs;
• information about your current insurance coverage;
• information submitted through our contact or quote-request forms; and
• the contents of your communications with us.

Please do not send sensitive information such as Social Security numbers, medical records, detailed medical diagnoses, financial account information, or other highly sensitive information through a general contact or inquiry form. We will request any such information only through an appropriately secured process when it is genuinely needed.

B. Insurance and application information

If you request insurance services, we may need additional information required to obtain quotes, determine eligibility, submit insurance applications, service policies, or communicate with insurance carriers on your behalf. This information is used only for these insurance-related purposes.

C. Information collected automatically

Like most websites, certain information may be collected automatically when you visit, such as:

• IP address;
• device type;
• browser and operating system;
• referring URL;
• pages visited;
• approximate location based on IP address;
• date and time of visits; and
• interactions with the website, including through cookies and similar technologies.

See the Cookies and Analytics section below for more detail.

3. Health Information#

Because this is a health insurance website, insurance transactions may sometimes involve health-related information. Any health information we collect, use, or disclose will be handled in accordance with applicable federal and Texas law.

This Privacy Policy is not a HIPAA Notice of Privacy Practices. If Stellar Life & Health Insurance is required to provide you with a separate Notice of Privacy Practices under HIPAA or another applicable health privacy law, that notice will govern the use and disclosure of protected health information covered by that notice.

4. How We Use Information#

We may use the information we collect to:

• respond to your inquiries;
• provide insurance information;
• obtain and present insurance quotes;
• evaluate insurance options you have requested;
• assist with applications and enrollment;
• communicate with insurance carriers on your behalf;
• service customer accounts or policies;
• provide customer support;
• communicate about products or services you have requested;
• operate and improve the website;
• protect against fraud or misuse;
• maintain cybersecurity;
• satisfy legal, regulatory, licensing, compliance, and recordkeeping obligations; and
• enforce agreements and protect legal rights.

5. How Information May Be Shared#

We may disclose information when reasonably necessary to categories of recipients such as:

• insurance carriers;
• health plans;
• insurance marketplaces or enrollment platforms;
• licensed insurance agents;
• service providers, such as hosting providers, IT and cybersecurity providers, CRM providers, and email and communications providers;
• professional advisers;
• regulatory or governmental authorities;
• law enforcement, where legally required; and
• parties involved in a business transaction, such as a merger or acquisition.

We do not disclose your information merely because a third party requests it.

Stellar Health Insurance does not sell personal information for monetary consideration unless otherwise disclosed in this Privacy Policy. If our practices constitute a "sale," "targeted advertising," or another activity subject to an opt-out right under applicable privacy law, eligible consumers may exercise the applicable opt-out rights described below.

6. Insurance and Financial Privacy#

Certain nonpublic personal information obtained in connection with insurance products or services may be subject to federal and Texas insurance privacy laws. Where required by law, we will provide additional privacy notices describing how that information is collected, used, and shared. This website Privacy Policy does not replace any legally required insurance or financial privacy notice.

7. Texas Privacy Rights#

To the extent the Texas Data Privacy and Security Act applies to Stellar Life & Health Insurance and to the particular information involved, Texas consumers may have rights including:

• confirming whether personal data is being processed;
• accessing personal data;
• correcting inaccuracies in personal data;
• deleting certain personal data;
• obtaining a portable copy of certain personal data;
• opting out of qualifying targeted advertising;
• opting out of qualifying sales of personal data; and
• opting out of qualifying profiling in furtherance of decisions that produce legal or similarly significant effects.

Certain information or entities may be exempt from these rights where another state or federal regulatory framework applies.

To submit a privacy request, contact us at [PRIVACY EMAIL][PRIVACY REQUEST FORM URL]. We may need to verify your identity before fulfilling certain requests.

If we deny your privacy request, you may appeal our decision by contacting us at [PRIVACY EMAIL] and including "Privacy Appeal" in the subject line.

Stellar Life & Health Insurance will not unlawfully discriminate against consumers for exercising applicable privacy rights.

8. Cookies and Analytics#

Cookies are small text files stored on your device by your browser. Websites use them to remember preferences, keep features working, and understand how pages are used.

Cookies and similar technologies generally fall into these categories:

• Essential cookies — needed for the website to function, such as security and session features. These cannot reasonably be switched off.
• Functionality cookies — remember choices you make, such as language preferences, to provide a more personal experience.
• Analytics cookies — help us understand how visitors use the website so we can improve it.
• Advertising/targeting cookies — used to deliver or measure advertising. If these are ever used, this section will be updated to identify them.

We do not currently deploy advertising or behavioral tracking technologies on pages or forms where sensitive information may be entered. If analytics or advertising tools are installed in the future, this Privacy Policy will be updated accordingly, and any required cookie preferences or opt-out controls will be provided.

9. Do Not Track and Global Privacy Controls#

Some browsers offer "Do Not Track" signals, and some browsers or extensions support legally recognized universal opt-out signals such as Global Privacy Control (GPC). This website does not currently respond to these signals in a specific way. If we implement support for a legally recognized universal opt-out mechanism, we will update this section to explain how those signals are honored.

10. Data Security#

We use reasonable administrative, technical, and physical safeguards designed to protect the information we hold. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

11. Data Retention#

We retain personal information only for as long as reasonably necessary to provide services, maintain insurance records, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and enforce agreements. Different categories of information may be retained for different periods depending on these needs and obligations.

12. Communications#

When you supply information through a form or by contacting us, we use it to respond to your inquiry and to communicate with you about the insurance products or services you requested.

If we ever send marketing emails, those messages will include a clear way to unsubscribe, and you may opt out at any time. Opting out of marketing communications does not affect transactional or service-related messages about your insurance inquiries or policies.

13. Children's Privacy#

This website is not intended for children under 13 to independently submit personal information, and we do not knowingly collect personal information directly from children under 13.

Health insurance applications may involve information about dependents or children. Any such information is provided by an adult parent or guardian as part of an insurance inquiry or application, not submitted directly by a child. If you believe a child has provided personal information through this website, please contact us so we can delete it.

14. Third-Party Websites#

This website may contain links to insurance carriers, government marketplaces, healthcare providers, or other external websites. Those websites are operated by other organizations, and any information you provide to them is governed by those organizations' own privacy policies. We encourage you to review the privacy policies of any third-party website you visit.

15. Changes to This Privacy Policy#

We may update this Privacy Policy periodically. When we make substantive changes, we will update the "Effective date" shown at the top of this page. Where required by law, we may provide additional notice of material changes.

16. Contact Information#

If you have privacy questions or would like to make a privacy request, contact us: