Privacy Policy

Website Privacy Notice | Effective Date: February 1, 2026

Important: This Privacy Policy explains what information Oloa collects through the website and related online workflows, where it comes from, how it is used, when it may be disclosed, and what rights may apply.

This document applies to Oloa Solutions and is intended to work together with the other footer-linked legal documents on the website. In the event of a conflict between a general website summary and a product-specific governing document, the product-specific governing document controls unless applicable law requires otherwise.

1. Scope and Applicability

This Privacy Policy describes how Oloa Solutions ("Oloa," "we," "us," or "our") collects, uses, discloses, stores, and otherwise processes personal information in connection with Oloa’s websites, portals, quote and intake tools, online forms, communications, and related online services that link to or reference this Privacy Policy (collectively, the "Services").

This Privacy Policy does not apply to websites, platforms, quote engines, forms, products, programs, or services that are operated solely by third parties, including insurance carriers, agencies, producers, administrators, healthcare providers, networks, payment processors, analytics vendors, social platforms, or other partners, even if linked through the Services. Those parties maintain their own terms, notices, and privacy practices.

2. Important Relationship and Role Disclosures

Oloa may present, facilitate access to, or support both insurance and non-insurance products, programs, and services. Oloa is not the insurer, claims payer, healthcare provider, hospital, physician, or guarantor of any third-party product or service unless expressly stated in a separate written agreement.

Nothing in this Privacy Policy creates an insurance contract, modifies any policy or certificate, creates a provider-patient relationship, or guarantees eligibility, approval, pricing, reimbursement, payment, provider access, or medical outcomes.

3. Categories of Personal Information We Collect

Depending on how you interact with the Services, Oloa may collect the following categories of personal information:

Identifiers and contact information, such as name, mailing address, email address, phone number, username, IP address, and similar identifiers.
Commercial and transaction information, such as products or services viewed, requested, quoted, applied for, purchased, discussed, or serviced, and records of related communications.
Internet, device, and network activity information, such as browser type, device identifiers, operating system, session data, clickstream activity, pages visited, referral URLs, approximate geolocation derived from IP address, and interaction data.
Professional, employment, or affiliation information, such as employer, role, business contact information, association affiliation, group sponsor relationship, broker relationship, or enrollment-related details.
Health-related or benefits-related information that you choose to submit in quote requests, applications, intake forms, support requests, or similar workflows, limited to what is reasonably necessary for the applicable business purpose.
Audio, electronic, and communications information, such as call recordings, chat transcripts, support tickets, emails, SMS or text logs, and related service history where permitted by law.
Inferences drawn from the categories above for analytics, fraud prevention, service improvement, personalization, or other lawful business purposes.

4. Sources of Information

Oloa may collect personal information from the following sources:

Directly from you, such as when you complete forms, upload documents, request information, seek quotes, apply for products, communicate with us, or otherwise use the Services.
Automatically from your browser, device, and interactions with the Services through cookies, pixels, tags, SDKs, server logs, analytics tools, and similar technologies.
From carriers, agencies, brokers, producers, administrators, vendors, referral partners, employers, associations, group sponsors, or other third parties connected to your request or relationship.
From service providers that support hosting, analytics, communications, customer support, fraud prevention, document processing, identity verification, compliance, security, payments, or related business functions.
From publicly available sources and commercially available data sources where permitted by law.

5. How We Use Personal Information

Oloa may use personal information for the following business and commercial purposes:

To provide, operate, maintain, secure, support, and improve the Services.
To respond to inquiries, quote requests, applications, support requests, and other communications.
To facilitate introductions, applications, enrollments, transactions, and servicing workflows involving carriers, agencies, brokers, producers, administrators, vendors, employers, associations, group sponsors, or other partners.
To verify identity, detect and prevent fraud, abuse, misuse, unauthorized access, security incidents, and other harmful or unlawful conduct.
To personalize user experience, understand engagement, conduct analytics, measure performance, and improve website design, functionality, operations, and marketing efficiency.
To communicate with you by email, phone, text message, or other channels regarding your requests, transactions, support needs, service updates, compliance matters, administrative matters, and, where permitted, marketing content.
To comply with legal, regulatory, licensing, recordkeeping, audit, contractual, dispute-resolution, and enforcement obligations.
To protect the rights, safety, property, and business interests of Oloa, users, and others.
To develop, test, train, improve, and support new features, products, processes, offerings, pricing models, analytics, and business initiatives.

6. Cookies, Analytics, Advertising, and Similar Technologies

We and our service providers may use cookies, pixels, tags, SDKs, local storage, scripts, server logs, and similar technologies to collect information regarding use of the Services. These technologies may support security, site functionality, analytics, performance measurement, session management, attribution, personalization, and advertising-related activities.

Strictly necessary technologies support core functionality, account access, fraud prevention, and system security.
Analytics technologies help us understand site traffic, page performance, interaction patterns, and engagement.
Advertising or attribution technologies may help us evaluate referral sources, campaigns, and marketing efficiency.
You may be able to control cookies through browser settings or site-level consent tools where available. Blocking certain technologies may affect functionality.
Where required by applicable law, Oloa will provide legally required notices, choices, and mechanisms relating to cookies, sale or sharing, targeted advertising, and recognized privacy signals based on Oloa’s actual data practices.

7. How We Disclose Personal Information

Oloa may disclose personal information to the following categories of recipients, subject to applicable law and appropriate operational or contractual safeguards:

Service providers and contractors that provide hosting, CRM, communications, support, analytics, security, payment, development, identity verification, compliance, document processing, or related operational services.
Carriers, agencies, brokers, producers, administrators, TPAs, non-insurance program providers, healthcare-related vendors, and other parties involved in responding to your request or servicing a product or program you inquire about or obtain.
Employers, associations, group sponsors, referral sources, or other affiliated organizations where your request relates to a group, sponsored, or affiliated offering.
Professional advisers, auditors, insurers, lenders, investors, legal counsel, accountants, and similar business advisers.
Government agencies, regulators, law enforcement, courts, and other persons where disclosure is required or appropriate to comply with law, investigate wrongdoing, protect rights, or enforce agreements.
A buyer, investor, successor, or relevant party in connection with a merger, acquisition, financing, reorganization, bankruptcy, sale, or transfer of all or part of our business or assets.

8. Sale, Sharing, and Targeted Advertising Disclosures

Certain privacy laws define the terms "sell," "share," and "targeted advertising" broadly and in ways that may differ from common usage. Oloa does not make a blanket statement in this Privacy Policy that every disclosure or use of information falls within or outside those definitions. Instead, Oloa will honor applicable rights and provide legally required notices and opt-out mechanisms based on Oloa’s actual practices at the relevant time and the laws that apply to the user.

9. Communications

Oloa may contact you regarding your requests, quotes, applications, account activity, support matters, service updates, compliance matters, and, where permitted, marketing or informational content.

Email. We may send transactional, operational, support, and promotional emails. You may unsubscribe from marketing emails through the method provided in the message, but operational emails may still be sent.
Phone and text. We may contact you by phone or text regarding requests, appointments, service matters, and, where consent exists or is not required, marketing-related matters. Message and data rates may apply. Consent is not a condition of purchase unless expressly stated.
Recorded calls and communications. Calls and communications may be monitored or recorded where permitted by law for quality, training, compliance, support, and dispute-resolution purposes.

10. Data Retention

Oloa retains personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain records, complete transactions, respond to inquiries, comply with legal and licensing obligations, resolve disputes, detect fraud, enforce agreements, preserve evidence, and protect Oloa’s business interests. Retention periods vary based on the type of information, the nature of the relationship, sensitivity of the data, applicable legal requirements, and operational needs.

11. Security

Oloa uses administrative, technical, and physical safeguards designed to protect personal information in a manner appropriate to the nature of the information and the risks involved. No method of transmission, storage, or system is completely secure, and Oloa cannot guarantee absolute security. You remain responsible for using secure devices, protecting credentials, and notifying Oloa of suspected unauthorized activity.

12. Your Privacy Rights

Depending on your state or country of residence and subject to applicable exemptions, you may have rights regarding your personal information, which may include rights to:

Know, confirm, or access the categories and, in some cases, specific pieces of personal information collected, used, disclosed, sold, or shared.
Request correction of inaccurate personal information.
Request deletion of personal information, subject to legal and operational exceptions.
Opt out of certain sales, sharing, targeted advertising, profiling, or similar uses where applicable.
Limit the use or disclosure of certain sensitive personal information where applicable.
Receive equal service and pricing regardless of whether you exercise applicable privacy rights, subject to lawful exceptions.

13. Submitting Rights Requests

To exercise applicable privacy rights, you may contact Oloa using the contact information listed below. Oloa may take reasonable steps to verify identity before processing a request and may request additional information necessary to verify the requester’s authority or identity. Authorized agents may submit requests where permitted by law, subject to verification and documentation requirements. Where applicable law requires an appeal process after a denied request, Oloa will provide instructions for submitting an appeal.

14. California Notice

If you are a California resident, Oloa intends this Privacy Policy to describe the categories of personal information collected, sources, business or commercial purposes, and categories of recipients relevant to California privacy law, as applicable. California residents may have rights to request access, correction, deletion, and information regarding disclosure practices, and to opt out of certain sale or sharing practices where applicable.

15. Children’s Privacy

The Services are not directed to children under 13, and Oloa does not knowingly collect personal information directly from children under 13 through the Services without legally sufficient authorization. If you believe a child has provided personal information improperly, please contact Oloa so the matter can be reviewed.

16. Third-Party Sites and Services

The Services may contain links to third-party websites, portals, forms, quote engines, social platforms, carrier sites, provider directories, and other services not controlled by Oloa. Oloa is not responsible for the privacy, security, content, or practices of those third parties, and your use of such services is governed by their own terms, notices, and policies.

17. Cross-Border or Multi-Jurisdiction Use

Oloa operates in the United States and the Services are intended for use in the United States unless expressly stated otherwise. If you access the Services from outside the United States, you understand that your information may be transferred to, stored in, and processed in the United States and other jurisdictions where Oloa or its service providers operate, subject to applicable law.

18. Changes to This Privacy Policy

Oloa may update this Privacy Policy from time to time. Any updated version will be posted with a revised effective date or last updated date. Your continued use of the Services after an updated Privacy Policy becomes effective constitutes your acknowledgment of the updated policy to the extent permitted by law.

19. Contact Information

If you have questions about this Privacy Policy or wish to submit a privacy-related request, you may contact:

Oloa Solutions at info@oloasolutions.com or by mail at 3675 Crestwood Parkway, Suite 483, Duluth, Georgia 30096.