Effective Date & Scope

This Privacy Policy explains how Health and Legacy Organization ("HALO", "we", "us", or "our") collects, uses, stores, and shares information when you use our website at healthandlegacy.org, our newsroom publication HALO News (The Health and Legacy Observer), and any related services (together, the "Services").

By accessing or using our Services, you agree to the collection and use of information in accordance with this policy. This policy is effective as of the date first published above and applies to all visitors, members, and users.

1. Information We Collect

We collect information you provide directly to us, information collected automatically, and information from third parties, including:

• Information You Provide: Name, email address, phone number, mailing address, insurance-related preferences, and other details you submit through contact forms, subscription signups, quote requests, registrations, or account creation.
• Usage Data: Information about how you interact with our website, including pages visited, articles read, time spent, referring pages, browser type, and device information.
• Device & Log Data: IP address, browser type, operating system, and standard server logs collected automatically when you visit our site.
• Cookies: We and our service providers use cookies and similar technologies to remember preferences, measure traffic, and personalize your experience.

2. How We Use Your Information

We use the information we collect to provide, maintain, and improve our Services, including to:

• Deliver news content, newsletters, and alerts you request.
• Respond to inquiries, comments, and support requests.
• Connect you with verified, licensed insurance and healthcare professionals who can assist with your needs.
• Process transactions, subscriptions, and payments.
• Send service-related notifications, appointment reminders, and necessary communications.
• Analyze usage trends and improve our content and website performance.
• Comply with legal obligations and protect our legal rights.

3. How We Share Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

• Service Providers: With trusted vendors who help us operate our website, process payments, deliver messages, and provide hosting, analytics, and marketing support.
• Licensed Professionals: With verified insurance and healthcare professionals when you request to be connected to them through our directory or quote services.
• Legal Compliance: When required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of HALO, our users, or the public.
• Business Transfers: In connection with a merger, sale, or transfer of all or part of our business or assets.

4. Cookies & Advertising

Our website uses cookies to enhance your experience and to support advertising that funds our independent journalism. We or our advertising partners may use cookies and similar technologies to serve ads that are relevant to your interests and to measure the performance of advertising campaigns. You can control cookies through your browser settings, and you can opt out of personalized advertising through the settings provided by advertising platforms such as Google.

5. Data Security & Retention

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security. We retain your information only as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

6. Your Rights & Choices

Depending on your jurisdiction, you may have the right to access, correct, update, or delete the personal information we hold about you, and to opt out of certain communications or data processing. To exercise any of these rights, please contact us using the information below. You may unsubscribe from marketing messages at any time by following the instructions included in those messages or by contacting us directly.

7. Third-Party Links

Our Services may contain links to third-party websites, including insurance carriers, government agencies such as the Centers for Medicare and Medicaid Services (CMS), and other resources. We are not responsible for the privacy practices or content of those third-party sites, and we encourage you to review their privacy policies.

8. Terms of Use

By using our Services, you agree to use them only for lawful purposes and in accordance with our Terms of Service. The content published by HALO News is provided for general informational purposes only and is not intended as personalized medical, financial, legal, or insurance advice. Always consult a qualified, licensed professional for advice tailored to your individual circumstances. Mention of any product, carrier, or service does not constitute an endorsement.

9. Children's Privacy

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us, and we will take steps to delete that information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us at:

• Email: support@healthandlegacy.org
• Phone: 1-888-663-7177
• Address: South Carolina, USA