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Privacy policy

Last updated: June 2025

 

Vallario LLC (“Vallario,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and secure your personal data when you visit https://joevallario.com, interact with our services, or receive SMS messages from Vallario Health Benefits.

 

 

1. Information We Collect

 

 

1.1. Personal Information You Provide

 

When you request a quote, fill out a form, or otherwise interact with our Services, we may collect:

 

  • Contact Details: Name, email address, phone number, mailing address.

  • Insurance Information: Date of birth, gender, health details, coverage preferences (to generate accurate quotes).

  • User Account Info (if applicable): Username, password (encrypted), and any other information you choose to provide.

 

 

1.2. Automatically Collected Information

 

When you visit our website or interact with us online, we may automatically collect:

 

  • Usage Data: IP address, browser type, pages visited, operating system, device type, and timestamps.

  • Tracking Technologies: Cookies, web beacons, and similar tools to gather analytics (see Section 4).

 

 

2. How We Use Your Information

 

We use your personal data for the following purposes:

 

  1. Provide & Manage Services: Generate insurance quotes, process your requests, manage your account, and deliver necessary policy communications.

  2. SMS Messaging: Send text messages for quotes, policy updates, reminders, and customer support in compliance with 10DLC—only after you opt in.

  3. Customer Support: Respond to your inquiries via email, phone, or chat.

  4. Improvement & Analytics: Analyze usage patterns to enhance our website, Services, and marketing efforts.

  5. Legal Compliance: Comply with applicable laws, regulations, or subpoenas.

  6. Marketing & Promotions: With your consent, send newsletters, promotional offers, or other marketing communications. You may opt out at any time (see Section 7).

 

 

3. Legal Basis for Processing (where applicable)

 

  • Consent: When you opt in to receive SMS messages or sign up for our newsletter, you consent to information collection and use as described.

  • Contractual Necessity: We process your data to fulfill our contract with you (providing insurance quotes, policy communications, or other Services you requested).

  • Legitimate Interest: We may process your information to improve our Services, perform analytics, and prevent fraud—provided it does not override your rights.

 

 

4. Cookies & Tracking Technologies

 

We use cookies, web beacons, and similar technologies to:

 

  • Track website usage and performance.

  • Remember your preferences (e.g., language selection).

  • Provide targeted advertising (you may opt out via your browser settings or ad-tracking controls).

 

Most browsers accept cookies by default, but you can set your browser to refuse cookies or alert you when cookies are being sent. Rejecting cookies may limit certain functionalities of our website.

 

 

5. Disclosure of Your Information

 

 

5.1. Service Providers & Partners

 

We share your data with:

 

  • Insurance Carriers (e.g., BCBS, Humana, UnitedHealthcare) to generate quotes and finalize applications.

  • Third-Party Tools (e.g., CRM providers, email/SMS platforms) that help us operate, communicate, and process payments.

  • IT & Hosting Services (our web host, analytics providers) to maintain and secure our website.

 

 

5.2. Legal & Regulatory Requirements

 

We may disclose your information when required by law, regulation, subpoena, or legal process. We may also share data to protect our rights or the safety of others.

 

 

5.3. Business Transfers

 

If Vallario is acquired, merges, or sells assets, we may transfer your personal data to the acquiring entity. We will notify you before transfers occur and subject your information to a new Privacy Policy.

 

 

6. SMS Messaging & Mobile Opt-In Data

 

  • No Third-Party Sharing: We do not share, rent, or sell mobile opt-in data to third parties for marketing purposes.

  • Opt-In Record: We keep a log of your date/time of consent, phone number, and opt-in source (web form, verbal script, etc.).

  • Opt-Out: If you reply STOP to any SMS, we will promptly cease text communications to that number. Please note you may still receive transactional messages (e.g., billing notices) unless you expressly opt out of all communications.

 

 

7. Your Rights & Choices

 

 

7.1. Access & Correction

 

You can request access to the personal information we hold about you or ask us to correct inaccuracies by emailing agent@joevallario.com.

 

 

7.2. Deletion

 

You may request that we delete your personal data. We will comply unless retention is required by law or necessary to fulfill contractual obligations.

 

 

7.3. Opt Out of Marketing

 

  • SMS Opt Out: Reply STOP to any Vallario Health Benefits text message.

  • Email Opt Out: Click the “Unsubscribe” link at the bottom of any marketing email or email agent@joevallario.com with subject “Unsubscribe.”

 

Please allow up to 10 business days to process opt-out requests. You may still receive transactional or service-related messages (e.g., policy notifications) unless you expressly terminate all Services with us.

 

 

8. Data Security

 

We implement reasonable administrative, technical, and physical safeguards to protect your personal data from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

 

 

9. Third-Party Links & Services

 

Our website may contain links to third-party sites (insurance carriers, government agencies, or partner tools). We do not control or endorse those sites’ content or privacy practices. This Privacy Policy does not apply to information collected by third-party websites. We encourage you to review their privacy policies before providing any personal data.

 

 

10. International Users

 

Our Services are intended for users in the United States. If you access our website or SMS messaging from outside the U.S., please be aware that your data may be transferred to, processed, and stored on servers located within the United States. By using our Services, you consent to such data transfers.

 

 

11. Children’s Privacy

 

Our Services are not directed at children under 18 years old. We do not knowingly collect personal information from minors. If we learn we have collected data from a child under 18, we will promptly delete that information.

 

 

12. Changes to This Privacy Policy

 

We may update this Privacy Policy from time to time. When changes occur, we will revise the “Last updated” date at the top and post the amended policy at https://joevallario.com/privacy-policy. Your continued use of our Services after changes are posted constitutes your acceptance of the updated policy.

 

 

13. How to Contact Us

 

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

 

Vallario LLC (dba Vallario Health Benefits)

401 E Jackson St.

Tampa, FL 33602

Email: agent@joevallario.com

Phone: +1 (301) 310-6551

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