At Realm Health.com (referred to herein as the “Website” or “REALM HEALTH”) we are strongly committed to protecting your privacy and have established this Privacy Policy (“Privacy Policy”) which details how we use and protect your information. The terms “you” and “your” when used in this Privacy Policy means any visitor to or user of the Website.
This Privacy Policy is intended to help you understand the online information security practices of REALM HEALTH. For additional details about the Website and the information provided on the Website, please review our Terms and Condition of Use.
In viewing and using the Website, you understand that REALM HEALTH, as a marketer and Realm Health Insurance Agency, LLC as an enrollment administrator of web-based individual and group health insurance plans and ancillary products, obtains certain information about you including non-personally identifiable information that is collected in aggregate (i.e., website use information), certain “personally identifiable information” about you that you provide as described herein (“Personally Identifiable Information”), and “protected health information”, which is information about your health, medical history, or claims information that you provide to us (“Protected Health Information”). Personally, Identifiable Information and non-personally identifiable information will be referred to as “Information” in this policy. You understand that REALM HEALTH may use Information about you, including your Personally Identifiable Information and Protected Health Information, subject to the terms of this Privacy Policy. This Information and Protected Health Information that may be collected includes Information and Protected Health Information we may receive from you in connection with on-line forms and applications for, among other things, insurance policies, insurance claims, insurance quotes, or other forms, information about your transactions with us and information we may have received from a consumer reporting agency.
All Information and Protected Health Information collected from this Website is subject to applicable privacy laws and regulations and will be handled as described in this Privacy Policy.
By using the Website and/or submitting Personally Identifiable Information and/or Protected Health Information through the Website, you consent and agree to (i) the terms of this Privacy Policy, (ii) to the collection and use of Information and Protected Health Information by REALM HEALTH pursuant to the terms of this Privacy Policy, and (iii) the REALM HEALTH Terms and Conditions of Use provided on the Website.
We make every effort to protect your Personally Identifiable Information and Protected Health Information. REALM HEALTH protects your Personally Identifiable Information and your Protected Health Information by maintaining physical, electronic, and procedural safeguards that protect such information, including data encryption, usernames and passwords, and other security tools.
Protected Health Information. Because we are a business associate of certain health insurers and group health plans, we are subject to many of the privacy and security requirements of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). REALM HEALTH protects your Protected Health Information as required by HIPAA and REALM HEALTH will not disclose Protected Health Information that you provide via the Website (e.g., information provided on an application or in connection with a policy or a claim) unless one or more of the following conditions:
Information and Personally Identifiable Information. REALM HEALTH only uses Information, including Personally Identifiable Information, as allowed by law and as described herein. REALM HEALTH protects your Personally Identifiable Information by, for example:
The law permits us to share certain Information with (i) our affiliates, (ii) non-affiliate insurance companies, group health plans, and insurance service providers, and (iii) companies that perform marketing services for us (including, without limitation, licensed insurance agents and/or brokers). We will share such Information only as permitted by law, and this Information may or may not include Personally Identifiable Information and/or Protected Health Information and may or may not be directly related to our transaction with you.
REALM HEALTH will use Information about you to help us better serve your insurance needs or to suggest REALM HEALTH services or insurance materials that may be of interest to you.
We may share your Information, which may or may not include Protected Health Information, as permitted by law, among insurance companies, including for routine business administration. As permitted by law, we may share Information, which may or may not include Protected Health Information, with non-affiliated companies such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
We may enter into alliances, partnerships, or other business arrangements with third parties who may be given access to Personally Identifiable Information including your name, address, telephone number, and e-mail for the purpose of providing you information regarding products and services that we think will be of interest to you.
In connection with alliances, partnerships, or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. We also use third parties to facilitate our business, including, but not limited to, sending e-mail and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your Personally Identifiable Information for use in connection with such business activities.
If you choose to send us an e-mail, we will do our best to respond to your request in a timely manner. We may use return e-mail addresses you provide to send e-mails and to answer the e-mail we receive. We may forward your request on to third parties in situations where we cannot answer your question and may also respond to your e-mail with offers or correspondence which we believe may be relevant to you. If you choose to give us Personally Identifiable Information such as your zip code, e-mail, contact information, etc., we may share this information with third parties to help answer your questions or fulfill your request. We reserve the right to use such data provided to us for any legally permissible purpose. We may use our e-mail lists for sending newsletters and other REALM HEALTH outbound communications, such as product information.
We also reserve the right to use your Personally Identifiable Information to send you e-mails regarding system downtime and/or changes to this Privacy Policy or the Terms and Conditions of Use and you are not permitted to opt out of receiving these e-mail messages.
Our management team uses non-personally identifiable information to improve the user experience for all Website visitors. We may analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to better serve our visitors.
Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when required by law, or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court order or legal process served on REALM HEALTH or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of REALM HEALTH, its employees, members or others.
You do not need to call or do anything as a result of this Privacy Policy. It is meant to advise how we safeguard your Information, including your Personally Identifiable Information and your Protected Health Information.
The Personally Identifiable Information and Protected Health Information you submit to us through the Website may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing of such information may be less stringent than the laws in your country.
Certain materials and information provided by REALM HEALTH on the Website is available without REALM HEALTH collecting any Personally Identifiable Information from you. However, REALM HEALTH does collect Personally Identifiable Information and/or Protected Health Information that you provide voluntarily during the course of using the Website.
In the normal course of business, we may collect the following types of information:
When you request more information about health insurance or ancillary products, you may provide Information about yourself, including your name, address, age, birthdate, gender, amount of coverage requested, phone number, e-mail address, and other items. This Information is shared with relevant third-parties necessary to fulfill your request. We may share this Information with insurance agencies, insurance brokers, and insurance companies. We do not share this Information with outside parties except to the extent necessary to complete your request such as submitting your application to insurer(s). To the extent that Protected Health Information is provided, such information will be used only as permitted by HIPAA.
When you make an inquiry about an insurance product or enroll in an insurance product and enter your personal information and click the “Submit” button, you are authorizing the sharing of your inquiry and your Personally Identifiable Information entered with other businesses who provide insurance products or services that match your inquiry. By submitting your Personally Identifiable Information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state).
Occasionally, REALM HEALTH may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. REALM HEALTH will only provide such third parties with non-personally identifiable information in connection with such marketing surveys or marketing research.
Occasionally, we hire third-party service providers to help provide or improve the services we offer you. Sometimes it is necessary for these providers to have access to the Personally Identifiable Information and/or Personal Health Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.
We may share aggregate information about Website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about Website users to continue to improve our service for you.
As permitted by law, we may disclose Information, which may or may not include Protected Health Information, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of REALM HEALTH assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your Information, including any possible use of your Personally Identifiable Information and Protected Health Information, to the extent that any such information is transferred.
We strive to maintain the accuracy of Information, including Personal Health Information and Protected Health Information, which is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your Information, including Protected Health Information. If you believe any Information in our possession, including any Protected Health Information, is inaccurate, a request can be made to amend or delete such information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question.
Certain users of the Website may review and make changes to some of the Personally Identifiable Information that we collect and maintain online by simply logging in to the Website by inputting their username and password where indicated and following the instructions provided.
You can also correct factual errors in your Personally Identifiable Information by sending us a request that clearly shows the error that is to be corrected. Please contact us with such requests at: (844) 802-3842 or memberservices@RealmHealth.com. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. In addition, you may be prompted at certain times on the Website to update and correct your Personally Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and accurate.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information and Protected Health Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personally Identifiable Information we collect online and we make good faith efforts to store your Personally Identifiable Information in a secure operating environment. We comply with HIPAA security requirements with respect to safeguarding and securing your Protected Health Information. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information and Protected Health Information, we cannot ensure or guarantee the security of any information you transmit to us, and you do so at your own risk. If REALM HEALTH provides you with a username and password to access portions of the Website, REALM HEALTH disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your username and password to others. REALM HEALTH further disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy number(s) and social security number, which may in some instances be used to access Personally Identifiable Information or Protected Health Information on the Website. If someone calls you, explains the call is on behalf of REALM HEALTH and asks for your policy number or social security number, you should beware.
The Website contains links to other websites that are not operated by REALM HEALTH. Please note that when you click on a link to one of these sites, you are exiting the REALM HEALTH Website to go to another site. REALM HEALTH is not responsible for the content or privacy practices of these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from ours.
We encourage you to review this Privacy Policy not just the first time you visit the Website but periodically afterwards since we may modify this Privacy Policy from time to time. The date of the last update of this Privacy Policy will always be posted below:
THIS PRIVACY POLICY WAS LAST REVISED ON April 24, 2026.
If we make any substantive changes to this Privacy Policy in the future with regard to how we use your Personally Identifiable Information or Protected Health Information, we will incorporate those changes here. Your continued use of the Website after the changes are posted constitutes your agreement to the changes, both with regard to Information, including Protected Health Information, we have previously collected from you and with regard to Information, including Protected Health Information, we collect from you in the future. If you do not agree to the changes, please discontinue use of the Website. Lastly, if REALM HEALTH is sold or merged with another company, your Personally Identifiable Information and Protected Health Information will be included as part of the sale but unless you notified that the Privacy Policy is changed, your Personally Identifiable Information and Protected Health Information will be maintained in the same manner.
The Website is not intended to be used by children and is not directed toward children under the age of 18. REALM HEALTH does not use the Website to knowingly solicit data from or market to children under the age of 18. The Website does not sell products for purchase by children. No person under 18 years of age should disclose information on the Website. If you are under 18, you may use the Website only with the involvement of a parent or guardian.
Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children privacy.
By providing your mobile number, you expressly consent to receive recurring SMS messages from REALM HEALTH—including promotional offers, important alerts, and service updates—and understand that consent is not a condition of purchase. Standard message and data rates may apply; please consult your wireless provider for details. To unsubscribe at any time, simply reply STOP to any message—you will receive a one-time confirmation and no further SMS—and for assistance reply HELP. You may also revoke your consent by emailing memberservices@RealmHealth.com. Participation in REALM HEALTH’s SMS program is subject to our full Terms & Conditions and Privacy Policy.
We appreciate your questions or comments about this Privacy Policy, the practices of the Website, or your dealings with REALM HEALTH. Please send e-mail to: memberservices@RealmHealth.com or you can send mail to: Realm Health, 4201 Spring Valley Rd Suite 1500, Dallas, TX 75244 or call 1-(844) 802-3842. We encourage you to send us e-mail but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via e-mail.
Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your Personally Identifiable Information not be shared with third parties by sending your request, including your full name, e-mail address, and postal address to: memberservices@RealmHealth.com. In accordance with California Civil Code Sec. 1798.83, California residents are entitled to know that they may file grievances and complaints with California Privacy Protection Agency, Attn: Complaints, 400 R Street, Suite 350, Sacramento, CA 95811; or by phone at (916) 572-2900. For more information, go to https://privacy.ca.gov/privacy-policy/.
