Last updated: August 13, 2026

Curaes Insurance LLC (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us through curaesinsurance.com.

1. INFORMATION WE COLLECT

When you request a free ICHRA analysis, schedule a consultation, or contact us, we may collect: your name, email address, phone number, business name, and information about your current group health benefits.

2. HOW WE USE YOUR INFORMATION

We use the information you provide to:
– Prepare and deliver your ICHRA cost analysis
– Contact you regarding our services (health benefits, life insurance, retirement plans, and related offerings)
– Schedule consultations via our booking system
– Comply with applicable insurance regulations

3. COMMUNICATIONS CONSENT

By submitting your contact information or scheduling a consultation, you consent to being contacted via phone calls, text messages, or email, including automated communications, regarding our services. Message and data rates may apply. You may opt out at any time by replying STOP or contacting us directly.

You may also receive periodic follow-up communications from Curaes Insurance LLC. You may unsubscribe at any time.

4. INFORMATION SHARING

We do not sell your personal information. We may share your information with licensed Third-Party Administrators (TPAs) and carriers solely to facilitate the services you request, and as required by law.

5. HEALTH INFORMATION

Health-related information you provide is protected under applicable HIPAA protocols maintained by our Third-Party Administrators. Curaes Insurance LLC does not directly store or process protected health information (PHI) beyond what is necessary to facilitate your ICHRA enrollment.

6. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies and similar tracking technologies (such as Google Analytics and advertising pixels) to understand site usage and improve our services. You can control cookies through your browser settings.

7. DATA SECURITY

We implement reasonable administrative and technical safeguards to protect your personal information.

8. DATA RETENTION

We retain your personal information for as long as necessary to provide our services and comply with applicable legal and regulatory requirements.

9. YOUR RIGHTS

You may request access to, correction of, or deletion of your personal information at any time by contacting us using the information below. If you are a California resident or reside in a state with similar privacy laws, you may also have the right to opt out of the sale or sharing of your personal information for targeted advertising purposes.

10. CONTACT US

Curaes Insurance LLC
License #L128116 · NPN 21343888
Phone: +1 786 322 8327
Email: rballesteros@curaesinsurance.com / efreitez@curaesinsurance.com