Privacy Policy

​Effective Date: September 28, 2026
The HIQS Group (“HIQS Group,” “HIQS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information we collect in connection with our insurance, retirement-planning, Social Security, Medicare, and related services.
This Privacy Policy explains what information we may collect through our website, how we use and disclose that information, how we protect it, and certain rights you may have regarding information maintained by us.
This Privacy Policy applies to information collected through hiqsgroup.com and through forms, pages, and other online services operated by HIQS Group. It does not replace any privacy notice, disclosure authorization, or other notice that may be provided to you in connection with a particular insurance application, policy, carrier, Medicare plan, or other transaction.

1. Information We Collect
Depending on the services you request, we may collect personal information that you provide directly to us through our website, by telephone, by email, in person, or through other communications.
Information collected through our website may include:
• Name
• Email address
• Telephone number
• City and state
• Insurance coverage or services requested
• Information contained in comments or messages submitted through website forms
• Information concerning insurance coverage
• Information concerning health, medical history, or other circumstances when voluntarily provided or when reasonably necessary for an insurance transaction
• Information concerning dependents or family members
• Other information you provide in connection with a request for insurance, retirement, Social Security, Medicare, or related services
Some of the information collected through our website may constitute personal information, financial information, health information, medical-record information, or other information subject to additional protections under applicable law.

2. Information Collected Automatically
When you visit our website, we may automatically collect certain technical and usage information.
This may include:
• Internet Protocol (IP) address
• Browser and device information
• Operating system
• Pages viewed
• Referring website or webpage
• Date and time of visits
• General website usage information
• Other information collected through cookies, pixels, tracking images, analytics tools, or similar technologies
HIQS Group may use third-party website and analytics services to help operate, maintain, secure, and understand use of our website.

3. Information Submitted Through Website Forms
Our website contains forms through which visitors may request insurance quotes, consultations, Medicare assistance, Social Security Timing Reports, or other information.
Information submitted through these forms may be transmitted to HIQS Group and/or to service providers that operate or support the website or the applicable form.
Website forms should not be used to submit highly sensitive information unless HIQS Group specifically requests that information through the applicable form or provides instructions for doing so.
In particular, do not submit your Social Security number, Medicare Beneficiary Identifier (MBI), bank account information, credit card information, medical records, or other highly sensitive information in a general-purpose comment field unless specifically instructed to do so.

4. Social Security and Retirement Information
HIQS Group offers Social Security Timing Reports and retirement consultations.
We use this information to prepare requested reports, provide retirement-related guidance, communicate with you about your request, and provide related insurance or retirement services.
We may retain this information as reasonably necessary to provide requested services, maintain business records, comply with legal and regulatory obligations, and protect our legitimate business interests.

5. How We Use Personal Information
We may use information we collect to:
• Respond to requests and inquiries
• Provide insurance quotes and information
• Help evaluate insurance coverage options
• Assist with applications and enrollment
• Communicate with insurance carriers and plans
• Service existing insurance policies
• Provide Medicare-related assistance
• Prepare Social Security Timing Reports
• Provide retirement-related consultations and resources
• Schedule appointments
• Communicate with clients regarding requested services
• Maintain customer and business records
• Administer our website and online services
• Maintain the security of our systems
• Detect and prevent fraud, misuse, or unauthorized activity
• Comply with applicable laws, regulations, contractual requirements, and regulatory requests
• Perform other activities reasonably necessary to provide services you request
We may also use information for internal business purposes such as quality assurance, recordkeeping, compliance, and improving our services.

6. Disclosure of Personal Information
We may disclose personal information when reasonably necessary to provide or administer the services you request or as otherwise permitted or required by law.
Depending on the circumstances, recipients may include:
• Insurance companies and carriers
• Health insurance carriers
• Medicare Advantage organizations
• Medicare Part D sponsors
• Medicare Supplement insurers
• Dental and vision carriers
• Life, disability, long-term-care, and other insurance companies
• Insurance-support organizations
• Quoting and enrollment platforms
• Retirement or Social Security service providers
• Website, hosting, communications, scheduling, and technology service providers
• Professional advisers
• Government agencies and regulatory authorities
• Persons or organizations authorized by you
• Other parties when disclosure is reasonably necessary to perform an insurance, business, professional, or administrative function on our behalf
We may also disclose information when required by law, regulation, subpoena, court order, governmental request, or other legal process, or when reasonably necessary to detect or prevent fraud, criminal activity, material misrepresentation, or other unlawful activity.
We do not sell your personal information to data brokers for unrelated marketing purposes.

7. Connecticut Insurance Information Privacy
HIQS Group is an insurance agency operating in Connecticut and is subject to applicable provisions of the Connecticut Insurance Information and Privacy Protection Act (IIPPA), including provisions concerning the collection, use, disclosure, access to, and correction of personal and privileged information.
Personal information may be collected from sources other than the individual, including insurance companies, insurance-support organizations, public records, and other persons or organizations when permitted or required in connection with an insurance transaction.
Information may be disclosed without separate authorization in circumstances permitted by applicable law, including when reasonably necessary for another person or organization to perform an insurance, business, professional, or administrative function for HIQS Group; to perform functions connected with an insurance transaction; to determine eligibility for insurance benefits or payments; to detect or prevent fraud or other unlawful activity; or as otherwise permitted or required by law.
Connecticut law provides individuals certain rights concerning recorded personal information maintained in connection with insurance transactions, including rights to request access to and correction, amendment, or deletion of certain information.
To request access to recorded personal information concerning you, or to request information about how to exercise applicable rights, contact HIQS Group using the contact information provided below.
Certain information, including medical-record information and privileged information, may be subject to special procedures or limitations under applicable law.

8. Medical and Health Information
HIQS Group may receive health-related or medical information in connection with insurance transactions, including applications for health, life, disability, long-term-care, Medicare-related, and other insurance products.
We will handle such information in accordance with applicable federal and state laws, insurance regulations, contractual requirements, and the requirements applicable to the particular insurance transaction.
Where applicable, Connecticut law provides specific protections concerning medical-record information and requires insurance institutions, agents, and insurance-support organizations that regularly collect, use, or disclose medical-record information to maintain appropriate policies, standards, and procedures concerning its management, transfer, and security.
This website Privacy Policy does not constitute a HIPAA Notice of Privacy Practices unless HIQS Group is required to provide such a notice under applicable law.

9. HIPAA
HIQS Group is an insurance agency and is not itself a health care provider merely because it assists consumers with health insurance or Medicare products.
Whether HIPAA applies to particular information or a particular relationship depends on the nature of the information, the parties involved, and the services being performed.
If HIQS Group is required to provide a separate HIPAA Notice of Privacy Practices or other HIPAA-specific notice in connection with a particular service or relationship, that notice will be provided separately and will govern the information covered by that notice.

10. Medicare Information and Communications
HIQS Group provides information and assistance concerning Medicare, including Medicare Advantage, Medicare Part D, Medicare Supplement insurance, and related products.
HIQS Group is an independent insurance agency and is not part of the federal Medicare program.

Medicare Notice: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
When you request Medicare information or assistance, information you provide may be used to respond to your request, evaluate available Medicare-related insurance options, communicate with applicable insurance organizations or plans, assist with enrollment or servicing, and perform other activities permitted in connection with the requested service.
Medicare-related marketing, communications, enrollment activities, use of beneficiary information, and communications by agents and brokers are subject to applicable federal Medicare requirements and applicable requirements imposed by Medicare Advantage organizations and Part D sponsors.
HIQS Group will not knowingly use or disclose Medicare beneficiary information in a manner prohibited by applicable Medicare requirements.
Where applicable, separate consent, scope-of-appointment, enrollment, marketing, or other documentation may be required before certain Medicare-related activities can occur.

11. Third-Party Medicare and Insurance Services
Our website provides links to third-party services that may allow you to obtain quotes, compare insurance products, access government information, or apply for coverage.
These services may include Medicare quoting or enrollment platforms and insurance carrier websites.
When you follow a link to a third-party website and submit information directly to that third party, the information is governed by that third party's privacy practices and terms.
HIQS Group does not control the privacy or security practices of third-party websites.
Examples of third-party websites linked from our website include:
• Medicare.gov and other federal government resources
• Medicare quoting and enrollment services
• Insurance carrier websites
• Dental quoting and enrollment services
• Life insurance quoting services
• Other insurance and financial service providers
We encourage you to review the privacy policy of any third-party website before submitting personal information.

12. Text Messages and Telephone Communications
HIQS Group may communicate with clients and individuals who request our services by telephone, text message, email, or other communication methods.
Our SMS program may include account notifications and customer-care messages. Message frequency may vary, and message and data rates may apply.
If you have enrolled in HIQS Group's SMS program, you may opt out by replying STOP. You may reply HELP for assistance.
SMS opt-in data and consent are not shared with third parties for their own purposes, except as necessary to operate the messaging service or as otherwise permitted or required by law.
Medicare-related telephone and electronic communications are also subject to applicable Medicare, federal, state, and carrier requirements.

13. Cookies and Tracking Technologies
Our website may use cookies, tracking images, pixels, analytics tools, and similar technologies.
These technologies may be used to:
• Operate the website
• Remember preferences
• Understand how visitors use the website
• Monitor website performance
• Improve website functionality
• Maintain security
• Measure website activity and communications
Third-party providers may process information collected through these technologies in accordance with their own privacy policies.
You may be able to control cookies through your web browser. Disabling cookies or similar technologies may affect certain website functions.

14. Security
HIQS Group maintains reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, disclosure, or destruction.
No website, electronic transmission, email system, or storage system can be guaranteed to be completely secure.
Because website forms and ordinary email are not appropriate for every type of sensitive information, please follow HIQS Group's instructions before transmitting Social Security numbers, Medicare identifiers, financial account information, medical records, or similarly sensitive information electronically.

15. Data Retention
We retain personal information for as long as reasonably necessary to:
• Provide requested services
• Maintain insurance and business records
• Service policies and client relationships
• Meet legal, regulatory, contractual, accounting, and compliance requirements
• Resolve disputes
• Prevent fraud or misuse
• Protect our rights and property
Retention periods may vary depending on the type of information and the purpose for which it was collected.
Information submitted through third-party websites or services may be retained by those third parties according to their own policies and applicable requirements.

16. Children's Privacy
Our website is not directed toward children under 13, and HIQS Group does not knowingly seek to collect personal information from children under 13 through the website.

17. External Links
Our website contains links to third-party websites and services.
These may include government websites, insurance carriers, Medicare-related services, quoting platforms, educational resources, and other organizations.
HIQS Group is not responsible for the privacy, security, content, or practices of third-party websites.
A link to a third-party website does not necessarily mean that HIQS Group endorses that website or its privacy practices.

18. Your Privacy Requests
If you have a question about information HIQS Group maintains about you, or if you wish to request access to, correction, amendment, or deletion of personal information where applicable, please contact us in writing.
Because insurance information may be sensitive, we may require reasonable verification of your identity before providing information or making changes.
Certain information may be subject to statutory exceptions or special procedures.
Nothing in this Privacy Policy limits rights provided to you under applicable federal or state law.

19. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our services, technology, legal requirements, or privacy practices.
When we make changes, we will update the Effective Date at the beginning of this Privacy Policy and post the revised policy on our website.

20. Contact HIQS Group
Questions regarding this Privacy Policy or requests concerning personal information may be directed to:

HIQS Group
76 Stony Hill Road
Bethel, CT 06801
Phone: 203-730-8304
Email: [email protected]
Effective Date: September 28, 2026