Summary
I collect only the information needed to quote, enroll, and service your insurance coverage. I do not sell your personal information. I share information only with carriers, regulators, or service providers required to do my job. You have rights to access, correct, and delete your data.
1. Overview
This Privacy Policy describes how KD Health Management LLC ("we," "us," or "our"), operating as Kristian Delgado / Insurance Guru, collects, uses, and shares your personal information when you visit our website, contact us through any channel, or engage us as your insurance broker.
This policy applies to information collected through the website at kristiandelgado.com (or any subdomain), through phone calls, emails, text messages, in-person meetings, and through enrollment systems we use on your behalf.
2. Information we collect
Information you provide directly
- Contact information: Name, email, phone, ZIP code, mailing address.
- Quote information: Date of birth, household composition, dependents, tobacco use, current carrier, current premium, coverage type sought.
- Application information for enrollment: Social Security number (for ACA, Medicare, and group enrollments), employer information, income information (for ACA subsidies), citizenship/immigration status (where required by carrier or marketplace).
- Health information when you voluntarily share it: Existing conditions, medications, doctors you want to keep in-network. We collect this only when you provide it to help us recommend a plan.
- Group benefit information: For employer group quotes, employee census data including names, dates of birth, dependent counts, and ZIP codes.
Information collected automatically
- Website analytics: Pages visited, time on site, referring URL, browser type, device type, approximate location based on IP address.
- Form submissions: Submitted via our forms processor (currently Formspree); IP address and timestamp logged.
3. How we use it
We use the information we collect for these purposes:
- Quote and enrollment. To prepare insurance quotes, run carrier eligibility checks, and submit enrollment applications on your behalf with your consent.
- Service. To provide ongoing service including renewal reviews, claim escalations, plan changes, and answering questions.
- Communication. To respond to inquiries, send rate updates, notify you about renewals, and provide informational content you've consented to receive.
- Compliance. To meet legal, regulatory, and recordkeeping obligations (insurance laws, ACA requirements, Medicare CMS rules).
- Improving our service. Aggregated, anonymized analytics to understand how visitors use the website.
4. Retention
We retain your information only as long as needed to fulfill the purposes described above and comply with legal obligations. General retention timelines:
- Quote-only inquiries that don't enroll: Up to 24 months from last contact.
- Active client records: For the duration of the active policy plus 7 years (insurance recordkeeping requirement in most states).
- Group benefits enrollment data: 7 years from the policy termination date (ERISA recordkeeping standard).
- Marketing communications opt-outs: Maintained indefinitely to honor your opt-out.
- Website analytics: 26 months (Google Analytics standard retention).
5. Sharing & disclosure
We share information only as needed to provide insurance services or as required by law. Categories of recipients:
- Insurance carriers and networks. When we submit a quote or application on your behalf, the relevant carrier receives the information needed to underwrite and issue coverage.
- State and federal regulators. Insurance departments, the Centers for Medicare and Medicaid Services (CMS), and the marketplace (Healthcare.gov or state-based exchanges) where we are required to share information for enrollment, complaint, audit, or compliance purposes.
- Service providers. Vendors who help us operate (email, scheduling, CRM, e-signature, web hosting, form processing). Service providers are bound by data processing agreements and are not permitted to use your information for their own marketing.
- Legal compliance. Law enforcement, courts, or regulators when compelled by valid legal process or to protect against fraud and abuse.
- Successor entities. If KD Health Management LLC is merged, acquired, or restructured, your information may transfer to the successor entity, who would be bound by this policy.
We do not sell or rent your personal information to any third party.
6. Security
We use commercially reasonable physical, technical, and administrative safeguards to protect your information. These include encrypted website connections (HTTPS), encrypted email when transmitting sensitive information, password-protected systems, access controls limiting who can view client data, and routine security review of our service providers.
No security measures are perfect. While we work to protect your information, no transmission or storage system is 100% secure. If we ever experience a data breach involving your information, we will notify you and the relevant regulators within the timeframes required by applicable law.
7. Cookies & tracking
Our website uses minimal cookies and tracking. Specifically:
- Necessary cookies: For basic website functionality (form sessions, security tokens).
- Analytics cookies: If enabled, Google Analytics or similar to understand aggregate site usage. No personally identifying information is shared with the analytics provider.
- No advertising cookies, no cross-site tracking, no retargeting pixels.
Most browsers allow you to control cookies through settings. Disabling cookies may impact certain website features.
8. Children's privacy
Our services are intended for adults seeking insurance coverage. We do not knowingly collect personal information from children under 13 except as part of family enrollment information provided by a parent or legal guardian. If you believe we have inadvertently collected information from a child, please contact us and we will delete it.
9. Your rights by state
Your privacy rights depend on the state where you live. Below is a summary; the full extent of your rights is governed by your state's law.
| Right | Available to |
|---|---|
| Right to know what we collect | All US residents |
| Right to access your data | All US residents |
| Right to correct inaccuracies | All US residents |
| Right to delete your data | All US residents (subject to retention obligations) |
| Right to opt out of "sale" of data | CA, CO, CT, VA, UT residents (we don't sell anyway) |
| Right to data portability | CA, CO, CT, VA residents |
| Right to non-discrimination for exercising rights | All US residents |
| Right to appeal a denied request | CO, CT, VA residents |
To exercise any privacy right, email Kristian@smarthealthcoverage.org with the subject line "Privacy Request" and describe what you want done. We'll respond within 30 days (or the timeframe required by your state's law, whichever is shorter).
10. Policy changes
We may update this policy from time to time to reflect changes in our practices, technology, or legal requirements. The "last updated" date at the bottom of this page reflects when the current version was published. Material changes will be communicated via email to active clients or via a prominent notice on the website.
11. Third-party services
Our website and business processes use third-party services. By using our website, you also become subject to the privacy policies of these providers (linked where applicable):
- Formspree (form processing) — privacy policy
- Netlify (web hosting) — privacy policy
- Google Fonts (font delivery) — privacy policy
- Insurance carriers — privacy practices governed by each carrier's policy and applicable insurance privacy laws (HIPAA, state insurance privacy regulations).
12. Contact us
For questions, complaints, or privacy requests:
- Email: Kristian@smarthealthcoverage.org
- Phone: (954) 338-9905
- Mailing address: KD Health Management LLC (mailing address available on request)
- Licensed broker: Kristian Delgado, NPN #18338319
Last updated: May 2026