Terms of Service

1. Acceptance of Terms

By accessing or using the Goals Insurance website or services, you agree to these Terms of Service. If you do not agree, please discontinue use immediately.

2. Description of Services

Goals Insurance provides health‑insurance brokerage and advisory services through Ryan Levine, a licensed agent and broker in the State of New York. The website is intended for informational and service‑related purposes only.

3. Eligibility

You must be at least 18 years old and legally capable of entering binding contracts to use our services.

4. No Guarantee of Coverage

Submitting an application or inquiry does not guarantee acceptance or issuance of coverage. All insurance is subject to underwriting and carrier eligibility rules.

5. Intellectual Property

All content on this site—including text, design, graphics, and logos—is the property of Goals Insurance or its licensors. Reproduction or modification without written consent is prohibited.

6. User Responsibilities

Users agree to provide accurate, up‑to‑date information and to engage with our services only for lawful, legitimate purposes.

7. Disclaimers

Information provided on this site is for general purposes only. We do not warrant accuracy, completeness, or reliability, and policy details may change without notice.

8. Limitation of Liability

Goals Insurance and its affiliates shall not be liable for indirect, incidental, or consequential damages arising out of your use of this website or its services.

9. Indemnification

You agree to indemnify and hold harmless Goals Insurance, its officers, and employees from any claims resulting from your misuse of this site or violation of these Terms.

10. Governing Law

These Terms shall be governed by the laws of the State of New York, with venue in the courts of New York County.

11. Changes to Terms

We may update these Terms at any time. Continued use after publication of revisions constitutes acceptance of those updates.

Privacy Policy

1. Information We Collect

We may collect:

Contact details (name, phone, email, mailing address)

Application and inquiry information

Identifiers such as date of birth, SSN, and dependent data (when required for insurance proposals)

Website analytics and cookie information

2. How We Use Information

We use your data to:

Deliver insurance brokerage services

Process carrier applications

Communicate quotes, policy information, and updates

Fulfill compliance and record‑keeping obligations

Improve our site and client experience

3. Data Handling Procedures

Collection: Personal data is obtained only through secure web forms, phone, or direct email.

Transmission: All digital transfers use encrypted protocols (SSL/TLS). Data sent to carriers is transmitted via secure portals or encrypted email.

Storage: Records are kept in encrypted databases or locked physical files accessible only to authorized personnel.

Access Control: Access is role‑based, credentialed, and monitored.

Retention: Data is kept only as long as necessary for service, legal, or regulatory purposes, then permanently deleted or destroyed.

Third‑Party Vendors: Any vendor with data access must sign confidentiality and protection agreements matching our standards.

Incident Response: Suspected breaches trigger immediate investigation, notification (as required by law), and remediation.

Backups: Encrypted backups are maintained securely for continuity and recovery.

4. Sharing of Information

We share information solely with:

Licensed insurance carriers and underwriters

Third‑party vendors under confidentiality agreements

Government or legal authorities when required

We do not sell or rent your personal information.

5. Data Security

Goals Insurance uses layered safeguards—administrative, technical, and physical—such as encryption, firewalls, and regular security audits to protect your data.

6. Your Rights

You may request access, corrections, or deletion of your information, or withdraw consent to communications, by emailing ryan@goalshealthcare.com.

7. Retention Period

Data is retained only as long as needed for legitimate business or legal purposes, after which it is securely deleted or anonymized.

8. Cookies and Tracking

Our site uses limited cookies for analytics and performance improvement. You can disable them in your browser settings, though some features may not function properly.

9. Updates to This Policy

We may revise this Privacy Policy occasionally. Updates will be posted here with a revised Effective Date.

GOLD TECH AND ADMIN LLC dba GOALS INSURANCE
310 East 53rd Street, Suite 200
New York, NY 10016
Contact: ryan@goalshealthcare.com
Effective Date: February 01, 2026