Privacy Policy
Last updated: April 6, 2026
Creative Health Solutions LLC ("Creative Health Solutions," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit creativehealthquotes.com (the "Site"), submit a form, request a quote, or otherwise interact with us, including by SMS text message.
1. Information We Collect
When you request a quote or contact us, we may collect:
- Your name, email address, phone number, and ZIP code
- Information about your current health insurance situation, household size, and income (used to determine subsidy eligibility)
- Communication preferences and consent status
- Technical data such as browser type, IP address, and pages visited
2. How We Use Your Information
We use the information you provide to:
- Provide health insurance quotes and plan recommendations
- Contact you by phone, email, or SMS about your inquiry
- Send appointment reminders, follow-ups, and enrollment information
- Improve our Site, services, and customer experience
- Comply with legal and regulatory obligations
3. SMS / Text Messaging
By submitting your phone number through any form on this Site and checking the SMS consent box, you expressly consent to receive text messages from Creative Health Solutions at the number you provided.
Sender: Creative Health Solutions
Message Types: Appointment reminders, quote follow-ups, plan recommendations, enrollment reminders, and occasional educational updates about health insurance options.
Message Frequency: Message frequency varies, typically 2-6 messages per month per subscriber.
Costs: Message and data rates may apply. Carrier rates apply based on your wireless plan.
Opt-Out: You can opt out at any time by replying STOP to any text message. After replying STOP, you will receive a final confirmation message and no further messages will be sent.
Help: Reply HELP to any message, call us at (321) 872-4940, or email dmills@chsquotes.com for assistance.
No Sharing: We do not share, sell, rent, or otherwise disclose mobile phone numbers or SMS opt-in consent data to any third parties or affiliates for marketing or promotional purposes. Phone numbers collected for SMS consent are used solely for direct communication between Creative Health Solutions and the subscriber.
Messaging-Specific Non-Sharing Clause: No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services (e.g., customer service) is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Consent is not a condition of purchase. You are not required to consent to receive SMS messages in order to obtain a quote or purchase any product or service.
4. How We Share Information
We may share your information with:
- Licensed insurance carriers and underwriters for the purpose of providing quotes and processing applications you request
- Service providers who help us operate our Site and CRM (under confidentiality obligations)
- Government authorities when required by law
We do not sell your personal information. We do not share SMS opt-in data or phone numbers collected via SMS consent with any third parties.
5. Data Security
We use commercially reasonable physical, technical, and administrative safeguards to protect your information. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
6. Your Rights
You have the right to:
- Request access to the personal information we hold about you
- Request correction or deletion of your personal information
- Opt out of marketing communications at any time
- Withdraw SMS consent by replying STOP
To exercise these rights, contact us at dmills@chsquotes.com or (321) 872-4940.
7. Cookies and Tracking
Our Site may use cookies and similar tracking technologies to improve user experience, analyze traffic, and support advertising. You can control cookies through your browser settings.
8. Children's Privacy
Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of our Site after changes constitutes acceptance of the updated policy.
10. Contact Us
If you have questions about this Privacy Policy or how we handle your information, contact:
Creative Health Solutions LLC
51 NW Carolina St, Suite 104
Melbourne, FL 32901
Phone: (321) 872-4940
Email: dmills@chsquotes.com