This Privacy Policy describes how Oak Hill Insurance (“Oak Hill,” “we,” “us,” or “our”) collects, uses, shares, and protects information about you when you use our website and related services (the “Site”). By using the Site, you agree to the practices described in this Policy.
1. Information We Collect
We collect information in three main ways: (1) you provide it directly, (2) we collect it automatically, and (3) we receive it from third parties.
1.1 Information You Provide
When you use our quote form, call, text, email, or otherwise interact with us, you may provide:
- Contact details (name, email address, phone number);
- Location details (ZIP code, state);
- Coverage preferences (individual, family, short-term, Medicare, etc.);
- Any other information you choose to include in messages or calls.
Our forms may also capture marketing consent details, such as whether you checked the consent box for marketing calls and texts.
1.2 Information Collected Automatically
When you access or use the Site, we may automatically collect:
- Device and browser information (IP address, browser type and version, operating system, device identifiers);
- Usage information (pages viewed, time on page, clicks, referring/exit pages);
- Technical metadata (user agent, timezone, approximate location based on IP);
- Campaign and attribution data (UTM parameters, referrer URL, GCLID when available).
This information is used for security, analytics, and to understand how people find and use our Site.
1.3 Information from Third Parties
We may receive information about you from insurance carriers, lead vendors, marketing partners, and other third parties, such as:
- Eligibility or plan options returned by carriers or quote platforms;
- Updated contact details or lead status from our partners;
- Information about policy enrollment or cancellation status.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide quotes, compare plan options, and help you enroll in coverage;
- To respond to your requests, questions, and support needs;
- To send you service-related communications (e.g., application status, required disclosures);
- To send marketing communications (calls, texts, emails) about products and offers, if you have given the appropriate consent;
- To personalize your experience on the Site and improve our content and features;
- To manage our advertising and measure the performance of campaigns (including UTM tracking and GCLID);
- To detect, prevent, and investigate fraud, security incidents, and misuse of the Site;
- To comply with legal obligations and enforce our Terms of Use.
3. Cookies and Tracking Technologies
We and our service providers may use cookies, pixel tags, and similar technologies to collect information about how you use the Site and to support advertising and analytics.
Cookies are small text files stored on your device. You can disable or manage cookies through your browser settings, but doing so may affect certain features of the Site. If we use third-party analytics or advertising tools (such as Google Analytics or ad networks), those providers may also set their own cookies and collect information about your activity on this and other sites.
4. How We Share Your Information
We may share your information in the following situations:
4.1 With Insurance Carriers and Partners
We share information with insurance carriers, general agencies, and other partners as needed to:
- Generate quotes and plan comparisons;
- Submit applications or enrollment requests;
- Service your policy and communicate about coverage.
4.2 With Service Providers and Vendors
We may share information with third-party service providers that help us operate our business and the Site, including:
- Hosting and infrastructure providers;
- Customer relationship management (CRM) and lead management tools;
- Marketing and communications platforms (SMS, email, dialers);
- Analytics and reporting services.
These providers are authorized to use your information only as needed to provide services to us.
4.3 For Legal, Compliance, and Safety
We may disclose information if we believe it is necessary or appropriate to:
- Comply with applicable laws, regulations, subpoenas, or legal process;
- Respond to requests from regulators or law enforcement;
- Protect the rights, property, or safety of Oak Hill, our customers, or others;
- Enforce our Terms or other agreements.
4.4 Business Transfers
If we are involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will take reasonable steps to ensure that any successor honors this Privacy Policy or notifies you of changes.
5. Marketing Communications and Your Choices
If you check the consent box on our forms or otherwise opt in, we may contact you with marketing calls and texts, including those made using an automatic telephone dialing system and/or prerecorded/artificial voice, as described in our consent language.
You have options:
- Text STOP to opt out of marketing texts from us;
- Text HELP for help with SMS communications;
- Follow unsubscribe instructions in marketing emails;
- Contact us directly to update your communication preferences.
Even if you opt out of marketing, we may still send you non-marketing messages related to quotes, applications, or policies you have with us, where permitted by law.
6. Data Retention
We keep your information for as long as necessary to fulfill the purposes described in this Policy, including to provide quotes, manage leads and policies, comply with legal obligations, resolve disputes, and enforce our agreements. We may retain consent records and certain transaction logs for longer periods where required by law or for compliance and audit purposes.
7. Security
We use reasonable physical, technical, and administrative safeguards designed to protect the information we collect. However, no method of transmission or storage is completely secure, and we cannot guarantee the security of information transmitted to or stored by us.
8. Children’s Privacy
The Site is not intended for children under the age of 13, and we do not knowingly collect personal information directly from children under 13. If we learn that we have collected such information, we will take steps to delete it as required by law. If you believe a child has provided us personal information, contact us using the information below.
9. Your Rights and Choices
Depending on where you live, you may have certain rights related to your personal information under applicable privacy laws (for example, rights to access, correct, or delete information, or to limit certain processing). To exercise these rights, contact us using the details in the “Contact Us” section below.
We will respond to your request as required by applicable law. We may need to verify your identity before fulfilling certain requests.
10. Third-Party Websites
The Site may link to third-party websites and services that we do not control. This Privacy Policy does not apply to those sites. We are not responsible for the privacy practices of third parties, and we encourage you to review their policies before providing them with any information.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will change the “Effective date” at the top of this page. Any changes will take effect when posted, unless a different date is stated. Your continued use of the Site after changes are posted means you accept the updated Policy.
12. Contact Us
If you have questions about this Privacy Policy or our privacy practices, you can contact us at:
Oak Hill Insurance
Phone: 888-377-2554
Email: privacy@oakhill.co