Privacy Policy

Last updated: September 29, 2026

This policy covers the Family Protection Gap calculator website and distinguishes private calculator use from optional contact requests.

Calculator entries

Your financial entries are processed locally in your browser tab. This website does not transmit those entries to a server, save them in cookies or browser storage, or include them automatically in contact requests. Reloading or closing the page clears them. Printed or downloaded summaries remain on the devices or services you select.

Information you choose to share

The optional coverage-review form sends your name, email, phone if provided, state, contact preference, message, and consent to Netlify Forms for storage and the site operator's follow-up. Calculator financial entries are not included. Terence S. Phillips uses the details to respond to your request. Submissions may remain in the site's Netlify account and in email notifications if enabled; no automatic deletion schedule is implemented. Contact freequote@smarterhealthinsuranceoptions.com to request access, correction, deletion, or an end to follow-up communications. No mailing-list subscription is created. Please do not include sensitive account, medical, or identity information.

Hosting and technical information

The hosting provider may process technical information such as IP addresses, request times, browser details, and security or access logs to serve and protect the website. While this preview is private, the hosting platform may require sign-in. Calculator use itself does not request your name or email.

Cookies, analytics, and advertising

This website does not install analytics, advertising trackers, or calculator cookies. The site displays linked promotional banners. Clicking an ad takes you to another website, whose privacy practices apply. Links include campaign labels identifying this site and the banner placement; these labels do not contain calculator or contact entries. No third-party advertising scripts or ad pixels are installed. Hosting authentication or security services may use their own necessary technologies. If advertising or analytics services are added, this policy should be updated to identify them and describe relevant choices.

Third-party services

Hosting, email providers, and any external sites you choose to visit have their own privacy practices. No calculator data is automatically shared with an insurer or used to determine eligibility or pricing.

Your choices and security

You may use the calculator without contacting anyone, reset or close the tab, and choose whether to save a summary or submit a contact request. Contact Terence to request access, correction, deletion, or an end to follow-up communications concerning information you sent. No method of transmission or storage is completely secure; limit the personal details you share.

Contact and updates

For privacy questions, email freequote@smarterhealthinsuranceoptions.com. Future changes will appear on this page with an updated date.