Privacy Policy

Effective Date: August 17, 2026 | Last Updated: August 17, 2026

Brilliant Insurance (operated by David Gustafson, TX License #2116912) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit brilliantinsurance.us, contact us, request a quote, or enroll in insurance coverage.

1. Information We Collect

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Date of birth, age, ZIP code, county
• Health Information: General health status, tobacco use, household size (for quoting only)
• Financial Information: Annual household income (for ACA subsidy determination only)
• Device and Usage Data: IP address, browser type, pages visited, cookies
• Communications: Inquiries via forms, SMS, phone calls, and email

2. How We Use Your Information

• Provide insurance quotes and enrollment assistance
• Connect you with licensed insurance products through our carrier partners
• Schedule and conduct consultations with our licensed advisor
• Send appointment reminders, follow-ups, and renewal notices
• Respond to questions and support requests
• Improve our website, services, and marketing communications
• Comply with legal obligations and insurance regulations

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Insurance Carriers and Marketplaces: When you initiate a quote or enrollment (e.g., HealthSherpa, Back9 Insurance, ManhattanLife, Ethos Life, Redirect Health, Take Command Health, Nexben). Each carrier has its own privacy policy.
• CRM and Communication Platforms: We use a secure CRM to manage contacts, appointments, and follow-up workflows.
• Advertising Platforms: We may share anonymized or hashed data with LinkedIn, Facebook/Meta, and Google for ad targeting. You can opt out via your platform settings.
• Service Providers: Third parties assisting with website hosting, analytics, email/SMS delivery, and booking. These providers are contractually bound to protect your data.
• Legal Requirements: If required by law, court order, or governmental authority.

4. SMS and Email Communications

By providing your phone number or email and submitting a form, you consent to receive informational and marketing communications via SMS and email. Message and data rates may apply. Opt out at any time by replying STOP to any SMS or clicking Unsubscribe in any email.

5. Cookies and Tracking Technologies

Our website uses cookies and pixels including: Essential Cookies (required for functionality), Analytics Cookies (page views, session data), and Marketing Pixels (LinkedIn Insight Tag, Meta Pixel, Google Tag Manager). You can disable cookies in your browser settings.

6. Data Security

We implement SSL encryption, secure data storage, and access controls. No electronic transmission is 100% secure. We cannot guarantee absolute security.

7. Your Rights (Texas Residents)

You have the right to access, correct, or request deletion of your personal information and to opt out of marketing. Contact us below to exercise these rights.

8. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors.

9. Third-Party Links

Our website links to third-party carrier and enrollment platforms. We are not responsible for their privacy practices. Review their policies before submitting information.

10. Changes to This Policy

We may update this policy from time to time. We will post the updated version here with a revised effective date.