Privacy Policy

Last Updated: August 28, 2026

1. Introduction

Capital Life and Health Solutions (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website and services, including SMS communications, email communications, appointment scheduling and reminders, and website tracking tools.

By using our website or services, you acknowledge this Privacy Policy. Where required, we will obtain your consent before sending marketing communications.

2. Information We Collect

Contact Information

We may collect your name, email address, phone number, mailing address, and other contact information when you submit a form, book an appointment, request an insurance consultation, request information, or otherwise provide information to us.

Communications Data

If you opt in to receive communications, we may collect your communication preferences and maintain records related to your consent, messages, and opt-out activity for SMS and email communications, including the date, method, and type of consent provided.

Usage and Device Information

We may use cookies, pixels, analytics tools, and similar technologies to understand how visitors interact with our website. This information may include your IP address, browser type, device information, pages visited, referring pages, and website interaction data.

Appointment and Service Data

If you schedule an appointment, request an insurance consultation, or use our services, we may collect information associated with those interactions.

3. How We Use Your Information

We may use your information to:

Provide requested services, insurance-related information, and customer support

Respond to inquiries and consultation requests

Schedule appointments

Send appointment confirmations and reminders

Send SMS and email communications that you have consented to receive

Communicate regarding services you have requested

Improve our website, services, and marketing performance

Maintain records related to communication consent and opt-outs

Protect our business, website, and users, including for fraud prevention and security purposes

Comply with applicable legal and regulatory requirements

4. Cookies and Tracking Technologies

We may use cookies and similar technologies to improve your website experience, understand website usage, and measure website performance.

You may control or disable cookies through your browser settings. Certain website features may not function properly if cookies are disabled.

5. How We Share Your Information

We do not sell your personal information.

We do not share mobile phone numbers, SMS opt-in data, or SMS consent information with third parties or affiliates for marketing or promotional purposes.

We may share information only in limited circumstances, including:

Service Providers

We may share information with trusted service providers that assist us with business operations, including SMS and email delivery providers, scheduling platforms, customer relationship management systems, website hosting providers, customer support tools, and analytics providers.

These providers may use the information only as necessary to provide services on our behalf.

Legal and Safety Requirements

We may disclose information when required by applicable law, regulation, legal process, or governmental request, or when reasonably necessary to protect the rights, property, safety, and security of Capital Life and Health Solutions, our clients, or others.

Business Transfers

If Capital Life and Health Solutions is involved in a merger, acquisition, reorganization, sale of assets, or similar business transaction, information may be transferred as part of that transaction. Any successor will be expected to handle personal information in accordance with applicable privacy requirements.

Mobile and SMS Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information sharing with subcontractors providing support services, such as customer service, communications technology, or other operational services, is permitted when necessary to provide those services on our behalf.

All other use case categories exclude text messaging originator opt-in data and consent. SMS opt-in data and consent will not be shared with third parties for their own marketing or promotional purposes.

6. SMS/Text Message Program

Capital Life and Health Solutions may offer SMS/text messaging programs for customer communications, including transactional messages, appointment confirmations and reminders, service-related communications, and marketing or promotional messages where you have provided the required consent.

How You Opt In

You may opt in to receive SMS/text messages by providing your mobile phone number through an online form, website, appointment scheduling form, or another method that clearly indicates your consent to receive text messages.

Where applicable, you may separately consent to transactional messages and marketing/promotional messages by selecting the corresponding SMS consent checkbox.

Consent to receive marketing or promotional text messages is not a condition of purchasing any goods or services.

Message Frequency

Message frequency varies depending on your interactions with us, the services you request, appointments you schedule, and the messaging program to which you have subscribed.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier and plan. We are not responsible for charges imposed by your wireless carrier.

Help and Opt-Out

You can reply HELP to any SMS message for assistance.

You can opt out of SMS communications at any time by replying STOP. After you send STOP, you may receive a confirmation message, and you will no longer receive messages from that messaging program unless you opt in again.

SMS Consent and Privacy

We do not sell or share your mobile phone number, SMS opt-in data, or SMS consent information with third parties or affiliates for their own marketing or promotional purposes.

SMS opt-in data and consent may be shared with service providers only when necessary to provide messaging and related services on our behalf, consistent with this Privacy Policy.

7. Your Choices

SMS Opt-Out

You may opt out of SMS communications at any time by replying STOP to a text message from us.

After you send STOP, you may receive a confirmation message indicating that you have been unsubscribed. You will no longer receive SMS messages from that messaging program unless you opt in again.

Email Opt-Out

You may unsubscribe from marketing emails by using the unsubscribe link included in applicable email communications.

Access, Correction, and Deletion

Depending on applicable law, you may contact us to request access to, correction of, or deletion of certain personal information we maintain about you.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

However, no electronic transmission or storage method is completely secure, and we cannot guarantee absolute security.

9. Children’s Privacy

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information directly from children under 13.

10. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, services, or applicable requirements.

When changes are made, the updated Privacy Policy will be posted on this website with a revised “Last Updated” date.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

Capital Life and Health Solutions

Location: Clinton, Maryland 20735
Phone: 703-718-6241
Email: [email protected]