THI Benefits — Privacy Policy

Last Updated: October 21, 2025

At THI Benefits, operated by Thrive Health Group, LLC, we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or engage with our services. By using our website or providing information to us, you consent to the practices described below.

THI Benefits is a licensed health insurance brokerage based in Utah, doing business as THI Benefits. We assist individuals, families, and small businesses with health-insurance enrollment through the Affordable Care Act Marketplace, directly with insurance carriers, and through supplemental coverage options. Because our work involves sensitive personal information, we adhere to strict privacy and security standards, including compliance with the Health Insurance Portability and Accountability Act (HIPAA) and all applicable federal and state regulations.

We collect information that you voluntarily provide to us, such as when you fill out a contact form, request a quote, schedule an appointment, or communicate with us by phone, email, or text message. The information we collect may include your name, address, phone number, email address, date of birth, Social Security number, income details, and relevant medical information necessary to process your insurance applications. All data you share is securely transmitted and stored in our HIPAA-compliant CRM system, and when appropriate, transmitted to authorized third-party enrollment platforms for legitimate enrollment purposes.

We use your information only for purposes that are lawful and necessary to deliver our services, such as determining plan eligibility, processing enrollments, responding to inquiries, providing policy updates, and maintaining communication regarding your coverage. We may also use your information to improve our website, personalize communications, or analyze trends, but we never sell, rent, or trade your personal data to outside parties for profit. Any sharing of information with third parties is limited strictly to entities that assist us in providing our services — such as carriers, government agencies, or compliance partners, and all such parties are required to maintain equivalent levels of data protection.

We may use cookies and similar tracking technologies to better understand how visitors interact with our website and to improve the user experience. These technologies may be used through platforms such as Google Analytics or through advertising tools like Facebook Pixel, if used in the future. Cookies help us analyze trends and measure website traffic but do not directly identify you. You may disable cookies in your browser at any time; however, doing so may affect certain site features.

By providing your contact information, you consent to receive communications from us, including text messages, emails, or phone calls related to your insurance inquiries, policy renewals, or available coverage options. These communications may occasionally include automated or AI-assisted messages generated within our compliant systems. You may opt out of marketing messages at any time by replying “STOP” to a text or clicking “unsubscribe” in any email message. Transactional communications related to your policy or enrollment may still be sent as required by law.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Certain insurance and financial records may be maintained for up to seven (7) years to comply with recordkeeping regulations and audit requirements. Once data is no longer needed, it is securely deleted or anonymized following HIPAA and industry best practices.

Our website may contain links to third-party websites such as Healthcare.gov, HealthSherpa, or insurance carrier portals. These sites are independent of THI Benefits, and we are not responsible for their content, accuracy, or privacy practices. We encourage users to review the privacy policies of any third-party sites they visit before submitting personal information.

THI Benefits does not knowingly collect or maintain information from children under the age of 13, and our services are intended for adults. If a parent or guardian believes their child has provided personal data, they may contact us at [email protected], and we will promptly remove the information from our records.

We take data protection seriously and maintain technical and administrative safeguards to secure your information against unauthorized access, loss, misuse, or disclosure. However, no system can be guaranteed 100% secure, and by using our website you acknowledge that no transmission of data over the internet can be entirely risk-free.

From time to time, we may update this Privacy Policy to reflect changes in our business practices, technology, or applicable laws. The most recent version will always be posted on this page with the updated date. By continuing to use our website after changes are posted, you agree to the updated policy.

If you have any questions about this Privacy Policy or the way your information is handled, please contact us at [email protected].