Terms of Service & Privacy Policy

Effective Date: January 1, 2020  ·  Last Updated: April 2026  ·  SAINTHEALTHLLC Corp

Jump to: Terms of Service Electronic Consent Privacy Policy Cookie Policy Data Rights Disclaimer Contact

1. Terms of Service

Please read these Terms of Service and Privacy Policy ("Terms") carefully before using the services provided by SAINTHEALTHLLC Corp, operating as Saintellus Health Advisory ("us", "we", or "our").

By accessing or using our website, submitting any form, clicking any button, or engaging with our services in any way, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access our services.

Acceptance of Terms

Your use of this website constitutes your agreement to these Terms. We reserve the right to modify these Terms at any time. Continued use of the site following any changes constitutes your acceptance of the new Terms.

Description of Services

Saintellus Health Advisory is an independent, licensed health insurance advisory service. We provide free guidance to individuals, families, and business owners seeking health insurance coverage. We are licensed brokers who work with multiple top-rated insurance carriers. Our services include plan comparison, enrollment assistance, and ongoing support. We do not underwrite insurance policies.

No Insurance Contract

Nothing on this website constitutes an offer to sell or solicitation to purchase any insurance product. Coverage is subject to actual policy terms, conditions, and eligibility requirements. All coverage decisions are made by the applicable insurance carrier.

Accuracy of Information

We strive to provide accurate and up-to-date information, but make no warranties regarding completeness or accuracy. Premium estimates, subsidy calculations, and plan comparisons are approximations only. Actual costs and coverage may vary.

Prohibited Use

You agree not to use this site for any unlawful purpose, to transmit harmful or fraudulent information, or to interfere with the proper operation of the website.

3. Privacy Policy

This Privacy Policy describes how SAINTHEALTHLLC Corp collects, uses, and shares information about you when you use our website and services.

Information We Collect

Information you provide directly: Name, email address, phone number, date of birth, household size, income (for quote purposes), health insurance preferences, state of residence, and ZIP code.

Information collected automatically: IP address, browser type, device information, pages visited, time on page, referring website, and cookie identifiers.

How We Use Your Information

How We Share Your Information

We do not sell your personal information to unaffiliated third parties for their own marketing purposes.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, and enforce our agreements — typically 5–7 years following your last interaction with us.

Data Security

We implement industry-standard security measures including SSL/TLS encryption, secure data storage, and access controls. However, no method of transmission over the internet is 100% secure.

4. Cookie Policy

Our website uses cookies and similar tracking technologies to improve your experience, analyze traffic, and serve relevant content. By continuing to use our site, you consent to their use.

Types of Cookies We Use

TypePurposeDuration
EssentialRequired for site functionality. Cannot be disabled.Session
AnalyticsUnderstand how visitors use our site (e.g., Google Analytics). Data is anonymized.Up to 2 years
MarketingTrack visitors for relevant advertising (e.g., Google Ads, Meta Pixel).Up to 90 days
PreferenceRemember your settings for a better return visit experience.Up to 1 year

Managing Cookies

You can control and delete cookies through your browser settings. Disabling certain cookies may impact site functionality. Visit allaboutcookies.org for browser-specific guidance.

5. Your Data Rights

Depending on your state of residence, you may have certain rights regarding your personal information. We honor the following for all users:

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what information is collected, the right to opt out of the sale of personal information, and the right to non-discrimination for exercising your rights. We do not sell personal information to third parties for their own marketing purposes.

Florida Residents

We comply with all applicable Florida state privacy regulations governing licensed insurance agents and brokers.

To exercise any data rights, contact us at mohab@sainthealthadvisors.com or (954) 667-5532. We will respond to verified requests within 30 days.

6. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe your child has provided us with personal information, contact us immediately at mohab@sainthealthadvisors.com and we will take steps to delete such information.

7. Third-Party Links

Our website may contain links to third-party websites including insurance carrier portals, government resources, and scheduling tools. These sites have their own privacy policies which we encourage you to review. We are not responsible for the privacy practices or content of any third-party sites.

8. Disclaimer & Limitation of Liability

The information on this website is provided for general informational and educational purposes only. It does not constitute legal, financial, or medical advice. Always consult with a qualified professional before making insurance decisions.

No Warranty

This website and its contents are provided "as is" without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the fullest extent permitted by applicable law, SAINTHEALTHLLC Corp shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Insurance Regulatory Disclosure

Saintellus Health Advisory is a licensed insurance broker, not an insurance company. We do not make coverage decisions, set premiums, or adjust claims. All products are subject to the terms, conditions, and exclusions of the policy issued by the carrier.

Governing Law

These Terms shall be governed by the laws of the State of Florida. Any disputes shall be resolved in the courts of Miami-Dade County, Florida.

9. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes are effective immediately upon posting. The "Last Updated" date at the top of this document will reflect the most recent revision. Your continued use of our website constitutes acceptance of the updated Terms.