Privacy Policy

At Skylands Health Benefits, we respect your privacy and are committed to protecting the personal information you provide when visiting our website or communicating with us.

Skylands Health Benefits provides independent insurance guidance and educational support to help individuals understand and compare available health insurance and Medicare-related options.

​

1. Information We Collect

We may collect personal information that you voluntarily provide, including:

• Name, mailing address, email address, and telephone number

• Date of birth and information relevant to insurance eligibility

• Current insurance coverage and enrollment information

• Information regarding healthcare providers, prescriptions, and insurance needs

• Information submitted through website forms, consultation requests, emails, telephone calls, or text messages

• Communication preferences, including consent to receive SMS messages

• Website usage information collected through cookies, analytics tools, and similar technologies

We collect information as reasonably necessary to respond to inquiries, provide insurance guidance, assist with coverage decisions, and support the services you request.

Important: Please do not submit Social Security numbers, banking information, detailed medical records, or other highly sensitive information through general website contact forms, ordinary email, or text messages. When sensitive information is necessary, we will provide instructions for an appropriate secure method of communication.

2. How We Use Your Information

Skylands Health Benefits may use your information to:

• Respond to questions and requests for assistance

• Schedule consultations and appointments

• Provide education and guidance regarding health insurance, Medicare, life insurance, and supplemental coverage

• Help you understand and compare available insurance options

• Assist with insurance applications, enrollment, and coverage changes

• Communicate important information regarding your insurance coverage

• Send appointment reminders and follow-up communications

• Provide ongoing customer service and coverage reviews

• Improve our website, services, and client experience

• Send educational or promotional communications when you have chosen to receive them

• Comply with applicable legal and regulatory requirements

We use personal information for legitimate business purposes related to our services and in accordance with applicable laws.

3. Insurance Applications and Enrollment

If you choose to apply for or enroll in an insurance product, additional personal information may be required to process your application.

Information necessary for enrollment may be shared with the applicable insurance carrier, marketplace, enrollment platform, or other organization involved in processing or administering the coverage you request.

The information required and how it is handled may vary depending on the insurance product, carrier, and applicable regulations.

4. Information Sharing and Protection

Skylands Health Benefits does not sell your personal information for monetary compensation.

We may share information with insurance carriers, enrollment platforms, and trusted service providers when necessary to provide requested services, operate our business, or comply with applicable laws and regulations.

These service providers may include companies that assist with website hosting, customer relationship management, communications, insurance quoting, enrollment, and administrative operations.

We take reasonable measures to protect personal information and limit access to individuals and organizations that require it to perform authorized services.

Mobile phone numbers, SMS opt-in information, and text messaging consent are not sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

5. SMS / Text Messaging Privacy

Skylands Health Benefits may send text messages to individuals who have provided consent to receive SMS communications.

These messages may include:

• Appointment confirmations and reminders

• Responses to insurance-related questions or inquiries

• Insurance coverage and enrollment updates

• Customer service and follow-up communications

• Medicare and other insurance-related information

• Promotional or educational messages, when separately authorized

SMS Consent

By voluntarily opting in to receive text messages from Skylands Health Benefits, you agree to receive SMS communications consistent with the consent you provide.

Consent to receive text messages is optional and is not a condition of purchasing insurance products or receiving services from Skylands Health Benefits.

How We Use SMS Information

Your mobile phone number and SMS consent information are used to deliver authorized text messages, respond to inquiries, and provide related customer service and administrative support.

No Sharing or Selling of SMS Information

Skylands Health Benefits does not sell, rent, or share mobile phone numbers, SMS opt-in information, or text messaging consent with third parties or affiliates for marketing or promotional purposes.

Third-Party Messaging Providers

We may use trusted third-party service providers, including business texting platforms such as Zoom, to deliver SMS communications on our behalf.

These providers may process mobile phone numbers and related messaging information only as necessary to provide messaging services to Skylands Health Benefits and are not authorized to use this information for their own marketing or promotional purposes.

Your Messaging Choices

You may opt out of receiving text messages at any time by replying STOP to any message.

For assistance, reply HELP or contact Skylands Health Benefits directly at 973-561-5562.

• Message frequency varies.

• Message and data rates may apply.

• Consent to receive SMS communications is optional.

• You may withdraw your consent at any time.

After opting out, you will no longer receive messages through the applicable SMS program unless you provide consent again. Certain non-SMS communications may continue as necessary to provide requested services or meet legal obligations.

6. Website Information, Cookies, and Tracking Technologies

Our website may collect certain technical information, including browser type, device information, pages visited, and general website activity.

We may use cookies and similar technologies to:

• Support website functionality

• Understand how visitors use our website

• Measure website traffic and performance

• Improve the visitor experience

• Evaluate advertising and marketing effectiveness, when applicable

You may adjust your browser settings to refuse or delete cookies. Disabling certain cookies may affect website functionality.

7. Health and Medical Information

Because our services involve insurance coverage, clients may voluntarily provide information about healthcare providers, prescriptions, medical needs, or other health-related circumstances.

We request only information reasonably necessary to assist with the insurance services you have requested.

Privacy requirements may differ among independent insurance agents, insurance carriers, healthcare providers, and health plans.

This website Privacy Policy describes the privacy practices associated with Skylands Health Benefits and does not replace any legally required privacy notices provided by insurance carriers, health plans, government programs, or other organizations.

8. Data Security

We take reasonable administrative, technical, and organizational measures to protect personal information against unauthorized access, disclosure, alteration, loss, or misuse.

However, no electronic transmission, email communication, text messaging system, or data storage method can be guaranteed to be completely secure.

We encourage visitors and clients to avoid transmitting sensitive medical, financial, or identification information through unsecured communication channels.

9. Your Privacy Rights and Choices

Depending on your location and applicable law, you may have certain rights regarding your personal information.

You may contact Skylands Health Benefits to:

• Request access to personal information we maintain about you

• Request corrections to inaccurate or outdated information

• Request deletion of certain personal information, when permitted by law

• Ask questions about how your information is collected, used, or shared

• Update your communication preferences

• Opt out of promotional communications

• Withdraw consent to optional SMS communications

Certain information may need to be retained to comply with legal, regulatory, contractual, or insurance-related recordkeeping requirements.

To submit a privacy-related request, please contact us using the information provided below.

10. Additional Privacy Rights

Individuals residing in jurisdictions with additional privacy protections, including the European Economic Area or United Kingdom, may have rights under applicable data protection laws.

Where applicable, these may include the right to access, correct, delete, restrict, or object to certain processing of personal information, request data portability, or withdraw consent.

These rights are subject to applicable legal requirements, exceptions, and limitations.

11. Children's Privacy

Our website is intended for a general adult audience and is not directed toward children under the age of 13.

We do not knowingly collect personal information online directly from children under 13.

If we become aware that such information has been collected through our website, we will take reasonable steps to delete it, subject to applicable legal requirements.

12. Links to Third-Party Websites

Our website may contain links to external websites, including insurance carriers, government resources, Medicare resources, social media platforms, and other service providers.

Skylands Health Benefits is not responsible for the privacy practices, security, or content of third-party websites.

We encourage visitors to review the privacy policies of external websites before providing personal information.

13. Changes to This Privacy Policy

Skylands Health Benefits may update this Privacy Policy periodically to reflect changes in our services, business practices, technology, or applicable legal requirements.

Updates will be posted on this page with a revised effective date.

We encourage visitors to review this policy periodically.

Contact Us

If you have questions regarding this Privacy Policy or would like to make a privacy-related request, please contact:

Skylands Health Benefits
Janeen Brady, Independent Insurance Agent
Email: janeen@skylandshealthbenefits.com
Phone: 973-561-5562