Our Privacy Policy

Health Plan Specialists, owned and operated by Emily B Harding,  has always considered the trust of our clients to be our most valuable asset. That trust is safeguarded by keeping nonpublic personal information about clients in a secure environment and using that information in accordance with the following Privacy Policy.

This Privacy Policy includes examples of nonpublic personal information we collect and the kinds of companies with whom such information might be shared. Examples given are for illustrative purposes and should not be considered a complete inventory of our information collection, use, and sharing practices.

Please note that this Privacy Policy will not apply to your relationships with other financial service providers, such as banks, finance companies,  independent insurance agents, and insurance companies that are not controlled by us. Their privacy policies will govern how they collect, use, and disclose personal information that you allow them to access. However, independent agents contracted with Health Plan Specialists have agreed never to sell, transfer, assign, or give away your personal information to any other person or organization and to use this information only for the purpose of providing the financial services you have requested.

We may collect nonpublic personal information about you from the following sources:

From you: We receive information from you (or that is provided to us on your behalf) on applications and other forms, such as your name, address, telephone number, date of birth, employer,

From insurance companies you have obtained insurance with through us: We may receive information about your transactions with carriers, such as your name, address, telephone number, age, insurance coverage, transaction history, claims history, and premiums;

From nonaffiliated financial services providers that respond to your requested transaction, including information about the products or services you purchase;

From healthcare providers such as doctors hospitals paramedics and labs used to determine your past or present health condition  to be used as we deem appropriate to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.

Other Non-Personal Information we gather....

Our websites also gather anonymous information and demographic information, which does not personally identify you. We use this information to analyze our site usage patterns, and we may share this information with third parties for marketing reasons. Typically, this information is collected through "traffic data" and may entail the use of "Cookies," "Internet Protocol" addresses, or other tags or numeric codes used to identify a computer. Again, any disclosure of this demographic information will not reveal any personally identifiable information about specific users.

A ‘cookie’ is a message given by a web server to an Internet web browser. The browser stores the message in a small text file on the same drive that the browser is installed on. The message is then resent to the server each time the browser requests a page from that server. We do not use cookies to track user’s aggregate data from sites other than our own. The only cookie-based data we track is activity on our own site concerning site usage and demographics. A user must have cookies enabled in order to use certain restricted features of the site, such as saving personal data so that a user does not have to re-enter it each time they visit our site or request a quote.

Information We May Disclose and To Whom it would be Disclosed to:

Nonpublic personal information we may collect as described above may be disclosed in order to deliver products and services to you, provide customer service, or administer your account.

We may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud, and maintaining software for us. We also may disclose information in response to requests from law enforcement agencies or State insurance authorities.

In addition, we may disclose nonpublic personal information we collect as described above, with the exception of health information, to companies with products that we think may be of interest to you.

Our Security Procedures

Access to nonpublic personal information about you is restricted to those personnel who have a legitimate business purpose to access such information in connection with the provision of products or services to you. We employ security techniques designed to protect our customer data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We provide training and communications programs designed to educate personnel about the meaning and requirements of our strict standards for data security and confidentiality.


If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties other than as necessary to effect or administer your requested transaction or as permitted by law, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures. If you wish to opt-out of disclosures to nonaffiliated third parties, you may contact us at the e-mail address listed below.  Opting out may limit our ability to serve your insurance needs to the best of our ability.

Changes to this Privacy Policy

Health Plan Specialists may change its privacy practices in the future. If we change the way we treat any nonpublic personally identifiable information we will:

Post a revised privacy policy at this location; and

In the event the change could affect your nonpublic personally identifiable information already in our database, we will email you to notify you of the change and include an option for you to opt-out of the process.

Contacting Us

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, please contact:

Emily Harding
Health Plan Specialists
11 Wappoo Creek Pl
Charleston, SC 29412