Privacy Policy
Your privacy matters to us. This policy explains how we collect, use, and protect your information.
Last Updated: January 15, 2026
Yumi Health ("we," "us," or "our") operates the yumihealth.com website and related services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or interact with our licensed insurance agents.
By using our services, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
Information We Collect
Personal Information
We may collect personally identifiable information that you voluntarily provide to us, including but not limited to:
- Full name, email address, phone number, and mailing address
- Date of birth and age
- Social Security Number (only when required for enrollment)
- Income information (for subsidy eligibility determination)
- Household size and family member information
Health-Related Information
To match you with appropriate insurance plans, we may collect:
- Current insurance coverage and carrier information
- Preferred doctors, hospitals, and healthcare providers
- Prescription medications (to evaluate drug formulary coverage)
- General health status and coverage preferences
- Medicare eligibility status and enrollment history
Usage Data
We automatically collect certain information when you visit our website, including:
- IP address, browser type, and operating system
- Pages visited, time spent on pages, and referring URLs
- Device identifiers and cookie data
- Interaction data (clicks, form submissions, page views)
How We Use Your Information
We use the information we collect to:
- Match you with licensed insurance agents who specialize in your coverage needs
- Help you compare and evaluate health insurance plans available in your area
- Facilitate communication between you and your assigned agent
- Process insurance applications and enrollment on your behalf
- Send appointment reminders and follow-up communications
- Improve our services, website functionality, and user experience
- Comply with legal and regulatory requirements
- Prevent fraud and protect the security of our services
How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following circumstances:
With Assigned Agents
When you request assistance, we share your contact information and coverage preferences with the licensed insurance agent assigned to help you. Agents are bound by confidentiality agreements and applicable licensing regulations.
With Insurance Carriers
When you choose to enroll in a plan, your agent will submit your application directly to the insurance carrier. The carrier's own privacy policy will govern their use of your data.
With Service Providers
We may share data with third-party service providers who assist us with website hosting, analytics, customer relationship management, communication tools, and other operational functions. These providers are contractually obligated to protect your data.
Legal Requirements
We may disclose your information if required to do so by law, in response to a subpoena, court order, or other legal process, or to protect the rights, property, or safety of Yumi Health, our users, or the public.
HIPAA Notice
Yumi Health is a licensed insurance advisory service, not a healthcare provider or health plan. As such, we are generally not a "covered entity" under the Health Insurance Portability and Accountability Act (HIPAA). However, we take the security and confidentiality of any health-related information you share with us very seriously and apply industry-standard protections to safeguard this data.
When your information is shared with insurance carriers during the enrollment process, those carriers are covered entities and are subject to HIPAA requirements.
TCPA Compliance
By providing your telephone number and submitting a form on our website, you consent to receive calls and/or text messages from Yumi Health and our licensed insurance agents at the number you provided. Calls may be made using an automatic telephone dialing system or prerecorded voice. Your consent is not a condition of purchasing any goods or services.
You may opt out of receiving calls and texts at any time by replying STOP to any text message, informing your agent, or contacting us at support@yumihealth.com. Standard message and data rates may apply.
California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
- Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions.
- Right to Opt-Out: You have the right to opt out of the sale of your personal information. As noted above, we do not sell personal information.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
To exercise these rights, contact us at support@yumihealth.com or call (888) 000-0000.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit (TLS/SSL) and at rest
- Access controls and authentication requirements
- Regular security assessments and monitoring
- Employee training on data privacy and security practices
While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
Data Retention
We retain your personal information for as long as necessary to provide our services, fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.
Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request that we correct inaccurate or incomplete personal information.
- Deletion: Request that we delete your personal information, subject to certain legal exceptions.
- Opt-Out: Opt out of marketing communications at any time by clicking the unsubscribe link in any email or contacting us directly.
To exercise any of these rights, please contact us using the information provided below.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information as promptly as possible.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
- Email: support@yumihealth.com
- Phone: (888) 000-0000
- Mail: Yumi Health, Attn: Privacy Officer, 123 Main Street, Suite 100, Anytown, USA 00000