Privacy policy.

PRIVACY POLICY
Effective Date: 03/22/2025
Website: www.HealthByPacheco.com

Pacheco Capital ("Company," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard information through our website HealthByPacheco.com (the “Website”) and our services, marketing platforms, and other online tools (collectively, the “Online Services”).

By using our Website, submitting your information, or interacting with our Online Services, you agree to the practices outlined below.

1. Terms of Use

This Privacy Policy is incorporated into our Terms of Service. By accessing our Website or using our Online Services, you agree to be bound by both policies.

2. What Information We Collect

We may collect the following types of information:

a. Personal Information You Provide:

  • Name, email address, phone number

  • Mailing address, ZIP code, state

  • Information related to your health coverage needs

  • Communication preferences

  • Any information submitted through forms, chatbots, surveys, or direct communication

b. Automatically Collected Data:

  • Device identifiers (IP address, browser type, device type)

  • Pages viewed, links clicked, time spent on site

  • Cookies, pixels, and other tracking technologies

c. Sensitive Information:

  • With your express consent, we may collect data related to health status, financial background, or insurance eligibility, solely for the purpose of offering personalized services.

3. How We Use Your Information

We may use your data to:

  • Provide personalized health and life insurance solutions

  • Communicate with you about your quotes, applications, or services

  • Respond to inquiries and provide customer support

  • Send you marketing, promotions, and offers you’ve opted into

  • Improve our Website performance and user experience

  • Comply with legal obligations

  • Deliver targeted advertising via platforms like Facebook and Google Ads

4. Sharing of Your Information

We do not sell your personal data for monetary gain. However, we may share your information with:

  • Licensed agents and affiliates within Pacheco Capital

  • Trusted service providers (CRM platforms, email providers, analytics services, etc.)

  • Legal authorities, when required by law or regulation

  • Third-party ad platforms, for remarketing (with your consent, where required)

All third parties are contractually required to protect your data in compliance with privacy regulations.

5. Your Privacy Rights

Depending on where you reside (e.g., California, EU), you may have the right to:

  • Access your personal data

  • Correct inaccurate information

  • Delete your data ("Right to be Forgotten")

  • Opt out of the sale or sharing of data

  • Restrict or object to processing

  • Request data portability

To exercise your rights, email us at Paulo@healthbypacheco.com. We may verify your identity before processing requests.

6. Cookie & Tracking Technology Policy

We use cookies and tracking tools to:

  • Improve site functionality and speed

  • Analyze traffic and engagement

  • Offer tailored insurance recommendations

  • Run remarketing campaigns through platforms like Facebook Ads

You can manage cookie preferences through your browser or opt out of advertising cookies via the Network Advertising Initiative or YourAdChoices.

7. Marketing & Communications

You may receive communications from us related to your inquiries, quotes, or preferences. All marketing emails include an "Unsubscribe" link.

We comply fully with the CAN-SPAM Act and only send commercial messages to those who opt in or initiate communication.

8. Security of Your Information

We implement industry-standard safeguards including:

  • SSL encryption

  • Restricted data access

  • Secure servers

  • Regular platform updates

However, no system is 100% secure. We encourage you to also protect your information with strong passwords and by logging out after use on shared devices.

9. Children’s Privacy

Our services are not intended for children under 13. We do not knowingly collect data from minors. If we learn that personal information from a child was collected, we will delete it promptly.

10. International Users (GDPR Compliance)

If you are located in the European Economic Area (EEA), we process your data under the lawful bases of consent, contract necessity, or legitimate interest.

You have additional GDPR rights, which you may exercise by contacting us at Paulo@healthbypacheco.com.

11. Changes to This Policy

We may update this Privacy Policy at any time. When we do, we will revise the “Effective Date” and post the updated policy at www.HealthByPacheco.com/privacy-policy.

We encourage you to review this policy periodically.

12. Contact Us

If you have questions or wish to exercise your data rights, contact:

Pacheco Capital
Attn: Privacy Officer
Email: Paulo@healthbypacheco.com
Website: www.HealthByPacheco.com