Privacy Policy

What we collect

When you use the Site to request information, begin enrollment, or contact us, you may provide:

• Full name, email address, phone number, and mailing address
• Date of birth and Social Security Number (SSN), collected for identity verification purposes during enrollment intake
• Business information, including your Employer Identification Number (EIN)
• Payment information, processed through our secure payment provider (Stripe)
• Health questionnaire responses submitted during the enrollment process
• Messages submitted through contact forms, the AI assistant, or email

If you enroll dependents - such as a spouse or children - we collect the same categories of identifying information for each covered individual during enrollment intake, including full name, date of birth, Social Security Number, and their relationship to you. Dependent health questionnaire responses are subject to the same pass/fail handling described below.

When you visit the Site, we also collect certain information automatically through cookies and similar technologies: IP address, browser type, device type and operating system, pages visited, time on site, referring URLs, click behavior, and cookie identifiers.

A note on health questionnaire responses: Health questionnaire responses submitted during enrollment — for you and any dependents — are used solely to determine eligibility. We do not store individual question responses after the eligibility determination is complete. We record only the outcome — approved or not approved — for administrative purposes.

How we use your information

We use the information collected through the Site for the following purposes:

• To process enrollment intake and connect you with plan administration
• To communicate with you about your enrollment status and next steps
• We may use the information to improve our products and services.
• To send relevant information about the plan, renewals, and updates
• To suppress communications to individuals who did not qualify for enrollment, using only outcome data — not the content of their questionnaire responses
• To operate and improve the Site and the visitor experience
• To comply with legal, regulatory, and administrative obligations

We do not sell your personal information to third parties. We do not use your information for unrelated advertising or share it with advertisers.

How we share your information

We share information collected through the Site only as necessary to provide our services and comply with applicable law.

When you complete or begin enrollment through the Site, we share the information you submit with our plan administration partners as needed to process your application and establish your coverage. Those parties receive only the information necessary to perform their functions and are contractually required to protect it.

We use the following third-party platforms to operate the Site and our marketing and support functions: HubSpot (CRM, marketing automation, and customer support), Stripe (payment processing), Google Analytics (site analytics and traffic measurement), Meta/Facebook (marketing campaign measurement), and OpenAI (powers the AI assistant on the Site). These providers operate under their own privacy policies and data processing agreements.

We may also disclose information when required by law, regulation, legal process, or government request, or when we believe disclosure is necessary to protect the rights, safety, or property of Solo, our members, or others.

AI assistant

The Site includes an AI-powered assistant to help prospects and visitors with questions about the plan. This assistant is powered by OpenAI. Conversation data is processed by OpenAI under a Business Associate Agreement (BAA). We do not use AI conversation data to train AI models. Conversation data is used only to provide and improve the assistant experience.

If you share health-related information through the AI assistant, that information is handled in accordance with our BAA with OpenAI and is not used for any purpose beyond providing plan support.

How we use cookies

We use cookies and similar tracking technologies to operate the Site, understand how it is used, and support our marketing activities. The following types of cookies may be present on the Site:

• Essential cookies -- required for the Site to function, including session management and the enrollment process
• Analytics cookies -- used to understand traffic patterns and user behavior (Google Analytics, HubSpot)
• Marketing cookies -- used to measure the effectiveness of advertising campaigns (Meta/Facebook pixel, HubSpot)
• Payment processing cookies -- used by Stripe to support secure transactions
• Chat and support cookies -- used by our AI assistant and customer support tools

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect Site functionality, including the enrollment process.

Security

We take reasonable technical and organizational measures to protect the information collected through the Site against unauthorized access, disclosure, alteration, or destruction. All sensitive data transmitted through the Site is encrypted in transit using industry-standard protocols. Social Security Numbers and payment information are handled in accordance with applicable security requirements and processed only through secure, access-controlled systems.

Our SaaS and platform vendors maintain their own security controls, which we rely on as part of our overall security posture. No method of transmission or storage is completely secure. If you believe your information has been compromised, please contact us immediately at support@hbgnow.com

Data retention

We retain information collected through the Site for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve disputes. Health questionnaire responses are not retained after the eligibility determination is complete. Suppression records - indicating a non-qualifying outcome, without the content of responses - may be retained to prevent future misdirected communications. Analytics and behavioral data is retained in accordance with the data retention policies of our analytics providers.

Email communications

By providing your email address through the Site, you may receive communications related to your inquiry, enrollment, and relevant plan updates. All marketing emails include an unsubscribe option in accordance with the CAN-SPAM Act. You may opt out of marketing communications at any time by clicking the unsubscribe link in any email or by contacting us at support@hbgnow.com.

Transactional communications related to your active plan - such as enrollment confirmations and billing notices - may continue regardless of marketing preferences, as they are necessary to administer your coverage.

California residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how it is used, the right to request deletion of your personal information, and the right to opt out of the sale of personal information.

We do not sell personal information. To exercise your California privacy rights or submit a request, please contact us at support@hbgnow.com. We will respond to verified requests within the timeframes required by applicable law.

Children's privacy

The Site is intended for use by adults and is not directed at children under the age of 13. Dependent coverage for minors is administered through the enrolling plan member. We do not knowingly collect personal information directly from children under 13 as independent users of the Site. If you believe a child has independently provided us with personal information, please contact us at support@hbgnow.com and we will take steps to remove it.

Links to other websites

The Site may contain links to third-party websites, including vendor portals and partner sites. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the Effective Date at the top of this page. Continued use of the Site after changes are posted constitutes your acceptance of the updated policy.

Contact us

If you have questions about this Privacy Policy or how we handle information collected through the Site, please contact us:

Healthy Business Group / Solo Health Collective
Email: support@hbgnow.com
Phone: 646-328-6968
Website: hbgsolo.com