Privacy Policy

Michalek Health Solutions LLC ("we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, submit a request for information, or communicate with us. By using our services, you agree to the practices described here.

01 Information We Collect

We collect information you provide directly to us, including:

• Contact information such as your name, phone number, email address, and mailing address;
• Information relevant to a coverage request, such as age, household size, employment status, and general coverage needs;
• Answers you give in our website tools (for example, an age range, household size, ZIP code, or when a life event happened), but only if you choose to send them with a request. If you only use a tool and don't send a request, nothing is saved;
• Records of your communications with us by phone, text, or email.

We may also automatically collect limited technical information when you visit our website, such as browser type, device information, and pages viewed, through cookies and analytics tools.

02 How We Use Your Information

• To respond to your request and provide information about coverage options;
• To schedule appointments and connect you with a licensed advisor;
• To send you communications by phone, text message, and email that you have consented to receive;
• To comply with legal and regulatory obligations;
• To improve our website and services.

03 SMS / Text Messaging Privacy

We may share mobile information with service providers that help us operate our messaging program (for example, our messaging platform provider), solely to deliver the messages you have requested and subject to confidentiality obligations. These providers are not permitted to use your information for their own purposes.

You can opt out of text messages at any time by replying STOP. See our SMS Terms for details.

04 How We Share Information

We may share your information:

• With insurance carriers and licensed advisors as needed to provide you with quotes and coverage options you have requested;
• With service providers who perform functions on our behalf, under confidentiality obligations;
• When required by law, regulation, legal process, or governmental request;
• To protect the rights, property, or safety of our clients, our company, or others.

We do not sell your personal information.

05 Cookies & Tracking

We keep tracking to a minimum, and no analytics or advertising cookies are set until you agree. On your first visit, a cookie banner lets you Accept all, Reject, or Manage your choice by category. You can change your choice anytime using the Manage cookies link in our footer, or by blocking or deleting cookies in your browser settings.

Strictly necessary (always on). We store one item in your browser's local storage to remember your cookie choice so we don't ask on every visit. We also keep one short note in your browser's session storage, for the current tab only: the page you first arrived on, the last few pages you viewed, the website or ad that brought you (for example, the search keyword an ad matched), and how many pages you've viewed. It contains no name, email, phone number, or health information; it is sent to us only if you choose to submit a form, so we know how you found us; and your browser deletes it when you close the tab. No analytics or advertising cookies are set unless you allow them.

Before you choose (Google Consent Mode). The Google tag loads on every page in a restricted, cookieless mode. Until you allow analytics or marketing, it sets no cookies and stores nothing in your browser (apart from our own tab-only session note described above). It sends Google limited, anonymous signals (such as the page viewed, the time, and whether you arrived from one of our ads) that Google uses only to measure our site and ads in aggregate, with advertising identifiers redacted. If you choose Reject, it stays in this restricted mode.

Ad-click identifier. When you arrive by clicking one of our Google ads, Google adds a click identifier (for example, a gclid) to the page address. If you send us a form or book a call, we keep that identifier with your request, and we may report it back to Google Ads with whether the click led to an inquiry or a new client, so we can see which ads actually help people. With that report we may also send a one-way encrypted (hashed) form of the email address and phone number you gave us, so Google can match your request to the ad click. Hashing turns each one into a scrambled code that is not readable as your email or number. We never send Google your name, any health information, or anything about your coverage. Because the identifier comes from the ad link itself rather than a cookie, this can happen whichever cookie choice you make. If you would rather we leave your hashed email and phone out of these reports, email ryan@michalekhealthsolutions.com and we will.

Only with your consent, and only for the categories you allow:

• Analytics — Google Analytics 4. Only if you allow analytics, sets _ga cookies to measure site traffic and which pages are useful. IP is anonymized, and we do not use this data for advertising.
• Analytics — Microsoft Clarity. Loads only if you allow analytics; records anonymized clicks, scrolling, and page interactions (heatmaps and session replays) so we can see which pages are confusing. Form fields are masked, so what you type is not captured. It is not used on our cost-estimator or enrollment-checker tools.
• Reviews widget — Elfsight. Loads only after consent to display our Google reviews, and may set its own cookies or local storage to render.
• Marketing — Google Ads. Only if you allow marketing, lets us fully measure which ads lead to a contact and reach people with similar needs. It may set Google advertising cookies. (How we match a request to an ad click, including hashed email and phone, is explained under Ad-click identifier above.) We never sell your information.

Fonts. Our typefaces load from Google Fonts, which sets no cookies but does request the font files from Google.

Spam & bot protection — Cloudflare Turnstile. Our contact and quote forms use Cloudflare Turnstile, a privacy-focused, invisible alternative to CAPTCHA, to tell real visitors apart from automated bots. It runs in the background when you interact with a form and may store a strictly-necessary token in your browser and share limited technical signals (such as browser characteristics and interaction data) with Cloudflare solely to score whether the submission is genuine. Because it exists to protect the forms from abuse, it operates as a strictly-necessary security measure — it loads without requiring cookie consent, is never used for advertising, and does not track you across other sites. Cloudflare processes this data as our service provider under its own Privacy Policy.

What we don't use. Apart from the Google measurement described above, we run no other advertising or social-media tracking — no Meta/Facebook Pixel, LinkedIn, TikTok, or X/Twitter — and no session recording other than Microsoft Clarity, which runs only with your analytics consent. Our booking link (Calendly) is an outbound link — it sets no cookies on this site; any Calendly cookies are set only after you click through to calendly.com.

06 Your Choices

• Text messages: Reply STOP to opt out at any time.
• Email: Use the unsubscribe link in any email we send.
• Phone calls: Ask to be placed on our internal do-not-call list.
• Deletion: Ask us to delete your information by email at ryan@michalekhealthsolutions.com or by phone at (813) 833-7448. We will delete it, except anything the law requires us to keep (for example, a do-not-contact request, which we keep so we can honor it).

07 Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

How long we keep it. We keep the record of a request you send us, including the record of your permission to contact you, for up to five years, and then delete it. Incomplete or automated (spam) submissions are deleted within 90 days.

08 Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

09 Changes to This Policy

We may update this Privacy Policy from time to time. Changes take effect when posted to this page, and the "Last updated" date above will reflect the most recent revision.

10 Contact Us

• Phone: (813) 833-7448
• Email: ryan@michalekhealthsolutions.com
• Mail: Michalek Health Solutions LLC, 5701 E Hillsborough Ave Ste 1202, Tampa, FL 33610