This Privacy Policy explains how Coastal Benefits Insurance Group ("we," "us," or "our") collects, uses, discloses, and protects your information when you visit our website or interact with our services. It applies to prospective and current clients, site visitors, and individuals who contact us about health, dental, vision, Medicare, or related insurance solutions.

Effective date: January 1, 2026

By using our website or sharing information with us, you agree to the practices described here. For site usage terms, please see our Terms of Use.

We collect only the information needed to provide quotes, advice, and customer service:

Information you provide: name, email, phone, address, company details, employee census for group quotes, and preferences you submit via our forms or by phone/email.

Usage data: pages visited, device/browser type, and general analytics to improve our site. Data is typically aggregated or pseudonymized.

Insurance details: plan interests, demographics relevant to eligibility and pricing, and, where applicable, limited health-related information necessary to provide guidance. We avoid collecting unnecessary sensitive information.

Protected Health Information (PHI): When acting on your behalf with carriers or discussing plan options, we handle any PHI with heightened safeguards and share it only as needed to deliver requested services.

We use your information to:

• Provide quotes, compare plans, and recommend coverage options.
• Respond to requests, schedule consultations, and deliver customer support.
• Send important service messages (e.g., enrollment reminders, plan updates).
• Operate, secure, and improve our website and services.

Legal bases: We rely on your request/consent to provide quotes or guidance, our legitimate interest in running a secure and effective business, and, when required, contractual or legal obligations.

We share information only as needed to deliver our services or comply with the law:

• Carriers and partners: To obtain quotes, enroll you in coverage, or service your policy.
• Service providers: Secure vendors supporting IT, email, analytics, and document processing under confidentiality obligations.
• Legal requirements: When necessary to protect rights, comply with regulations, or respond to lawful requests.

We do not sell your personal information.

We maintain administrative, technical, and physical safeguards to protect information against unauthorized access, loss, or misuse. Access is limited to personnel and partners who need it to perform their role.

We retain information only as long as necessary for quoting, service, legal, tax, and regulatory requirements. When no longer needed, we delete or de-identify data according to our retention practices.

Depending on your location, you may have rights to access, correct, delete, or receive a copy of your personal information, and to object to or restrict certain processing. You can also withdraw consent where we rely on it.

To exercise rights, please contact us using the details below. We will verify your request and respond within the time required by applicable law. California residents may have additional rights regarding access, deletion, and limiting certain sharing.

Our services are not directed to children under 13, and we do not knowingly collect personal information from them. If we learn that a child under 13 has provided information, we will delete it promptly.

We may update this Privacy Policy to reflect changes in laws, technology, or our services. We will post the updated date at the top of this page and, when appropriate, notify you through our website or by email.