Legal
Privacy Policy
What we collect, why we collect it, and what you can ask us to do with it.
Last updated: August 4, 2026
Overview
This Privacy Policy explains how Palmer Health & Life ("we," "us," or "our") collects, uses, and protects information submitted through this website. Palmer Health & Life is an independent insurance brokerage operated by Darren Palmer.
We collect only the information we need in order to contact you and prepare a quote or consultation. We do not sell your information.
Information We Collect
When you submit a quote request, consultation request, or contact form, we collect the information you choose to provide, which may include:
- Your name, phone number, email address, and ZIP code (required to contact you)
- General household information such as household size, age range, and state of residence
- General coverage preferences such as budget range, coverage type, and coverage goals
- Any notes or questions you choose to include
We also collect limited technical information automatically, such as your IP address and general browser information, for security and anti-spam purposes.
Information We Do Not Collect Through This Website
We do not request or accept the following through this public website:
- Social Security numbers
- Banking or payment card information
- Driver's license numbers or government identification
- Detailed medical records or detailed medical history
- Account passwords
If any of this information is ever needed as part of a formal insurance application, it will be collected through the applicable insurance carrier's secure application process — not through this website.
How We Use Your Information
- To contact you about your inquiry by phone, email, or text
- To prepare quotes and discuss coverage options with you
- To respond to questions and schedule consultations
- To submit information to insurance carriers when you ask us to, and only with your direction
- To meet recordkeeping and other legal or regulatory obligations
How We Share Your Information
We do not sell your personal information. We may share it with:
- Insurance carriers and their underwriting partners, when you ask us to obtain a quote or submit an application
- Service providers that help us operate the business, such as email, scheduling, and customer relationship management providers, under confidentiality obligations
- Regulators, or others, where required by law
Consent to Be Contacted
By submitting a form, you consent to be contacted by Palmer Health & Life by phone, email, or text regarding your insurance inquiry. Consent is not a condition of purchase. Message and data rates may apply. You may withdraw consent at any time by contacting us using the information below, by replying STOP to a text message, or by using the unsubscribe link in an email.
How We Protect Your Information
- This website is served over HTTPS, so information you submit is encrypted in transit
- Form submissions are transmitted by secure server-side processing and are never placed in a web address (URL)
- Form field values are not sent to analytics tools
- Access to submitted information is limited to those who need it to serve you
No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
How Long We Keep Your Information
We keep inquiry information for as long as needed to serve you and to meet applicable insurance recordkeeping requirements. [TODO: Confirm your retention period with your compliance advisor and state it here.]
Your Choices: Access, Correction, and Deletion
You may request that we correct information you have submitted, or that we delete it, at any time. To make a request, contact us at Dpalmer@chcagents.com or (314) 455-7919. We will confirm your identity before acting on a request and will respond within the time required by applicable law.
Depending on where you live, you may have additional rights under state privacy law, including the right to know what personal information we hold about you and the right to opt out of certain uses. We do not sell personal information.
Cookies and Analytics
This website may use limited cookies or similar technology for basic functionality and for aggregate traffic measurement. We do not send the contents of form fields to analytics providers. [TODO: Update this section to describe the analytics tool you actually use, and add a cookie banner if you use non-essential cookies or if required in your visitors' jurisdictions.]
Children's Privacy
This website is intended for adults. We do not knowingly collect information from children under 13.
Changes to This Policy
We may update this Privacy Policy from time to time. The effective date at the top of this page will reflect the most recent version.
Contact Us
Palmer Health & Life — Darren Palmer, Independent Health & Life Insurance Broker. Email: Dpalmer@chcagents.com. Phone: (314) 455-7919.