隐私政策｜Privacy Policy




您的隐私很重要｜Your Privacy Matters


我们以清楚、透明的方式说明个人信息如何被收集、使用、共享和保护。请使用下方标签阅读中文版或 English version。





最后更新日期 / Last updated: 2026年8月31日 / August 31, 2026

开心保险（Happy Insurance，“我们”）重视您的隐私。本政策说明您访问 myhappyins.com、使用联系表单或向我们咨询医疗保险、人寿保险及相关服务时，我们如何收集、使用、披露和保护信息。本政策仅适用于本网站；保险公司、政府市场平台及其他第三方服务可能有各自的隐私政策。

我们收集的信息

  • 您主动提供的信息：姓名、电话号码、电子邮箱、微信号、留言内容、希望咨询的保险或服务类型，以及您选择提供的其他信息。
  • 技术与使用信息：IP 地址、浏览器和设备类型、访问页面、访问时间、Cookie 及用于安全、防垃圾信息和网站性能的诊断数据。
  • 保险服务所需信息：当您明确要求报价、投保或保单服务时，我们可能进一步收集完成该服务所合理需要的信息，并在收集时提供相应说明。

请勿通过普通网站表单提交社会安全号码、完整银行卡或信用卡号码、医疗记录、账户密码或其他高度敏感信息。如办理保险确需敏感资料，请先联系我们确认安全的提交方式。

我们如何使用信息

  • 回复咨询、安排联系并提供您要求的保险或相关服务；
  • 在您授权的情况下协助获取报价、申请保险、续保或处理保单服务；
  • 运营、维护、保护和改进网站，包括防止垃圾信息、欺诈和滥用；
  • 遵守适用法律、监管要求、保险公司或市场平台的合规要求；
  • 保存必要的业务记录，以及处理争议或保护合法权益。

本网站可能使用必要 Cookie、性能缓存和安全技术，以维持登录、安全验证、页面速度和基本功能。网站可能使用 WordPress、WPForms、GoDaddy、Cloudflare、Google reCAPTCHA、电子邮件服务商及其他技术服务提供商处理网站运行所需的数据。Google reCAPTCHA 的使用受 Google 的隐私政策和服务条款约束。您可以通过浏览器控制 Cookie，但关闭必要 Cookie 可能影响网站功能。

我们何时共享信息

我们不会为了与您咨询无关的第三方广告而出售或出租您的联系信息。为完成您要求的服务，我们可能在必要范围内向保险公司、政府保险市场或相关平台、获得授权的服务人员，以及托管、电子邮件、安全、防垃圾信息和技术支持供应商提供信息。我们也可能在法律要求、保护权利与安全、调查欺诈或处理业务重组时披露信息。服务提供商只能为约定用途处理相关信息，并应采取适当保护措施。

数据保留与安全

我们仅在完成咨询和服务、履行法律或合规义务、解决争议及维护必要业务记录所合理需要的期间保留信息，之后会依据适用要求删除、匿名化或安全处置。我们采用与信息性质相适应的管理、技术和物理保护措施，但任何互联网传输或存储方式都无法保证百分之百安全。

您的选择和请求

您可以要求查询、更正或删除您曾提交的个人信息，也可以要求停止非必要的后续联系。某些记录可能因法律、监管、保险业务或安全需要而必须保留。提出请求时，我们可能需要核实您的身份。您也可以通过浏览器设置管理 Cookie。

未成年人、外部链接与政策更新

本网站不面向13岁以下儿童，也不会故意收集其个人信息。网站中的医生、保险公司、政府机构或其他外部链接由第三方独立运营，我们不控制其隐私做法。我们可能因业务、技术或法律变化更新本政策；更新版本会公布在本页并注明日期。

联系我们

如对本政策或您的信息有疑问，请联系：


Privacy Policy (English)

Happy Insurance (“we,” “us,” or “our”) respects your privacy. This policy explains how we collect, use, disclose, and protect information when you visit myhappyins.com, submit a contact form, or ask about health insurance, life insurance, or related services. It applies only to this website. Insurance carriers, government marketplaces, and other third parties may maintain separate privacy policies.

Information We Collect

  • Information you provide: your name, phone number, email address, WeChat ID, message, requested service, and other information you choose to provide.
  • Technical and usage information: IP address, browser and device type, pages visited, visit times, cookies, and diagnostic information used for security, spam prevention, and site performance.
  • Information needed for insurance services: if you specifically request a quote, enrollment, renewal, or policy service, we may collect additional information reasonably necessary to provide that service and will explain the request when it is made.

Do not submit Social Security numbers, full payment-card or bank-account numbers, medical records, account passwords, or other highly sensitive information through a standard website form. If sensitive information is required for an insurance service, contact us first to confirm an appropriate secure method.

How We Use Information

  • Respond to inquiries, arrange follow-up, and provide requested insurance or related services;
  • Assist with quotes, applications, renewals, or policy service when you authorize us to do so;
  • Operate, maintain, secure, and improve the website and prevent spam, fraud, and abuse;
  • Comply with applicable legal, regulatory, carrier, and marketplace requirements; and
  • Maintain necessary business records, resolve disputes, and protect legal rights.

Cookies and Service Providers

This website may use necessary cookies, performance caching, and security technologies for login status, verification, page speed, and core functionality. WordPress, WPForms, GoDaddy, Cloudflare, Google reCAPTCHA, email providers, and other technical vendors may process information needed to operate the site. Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service. You may control cookies through your browser, although disabling necessary cookies may affect site functionality.

When We Share Information

We do not sell or rent your contact information for third-party advertising unrelated to your inquiry. To provide a service you request, we may share information as necessary with insurance carriers, government insurance marketplaces or related platforms, authorized service personnel, and vendors that provide hosting, email, security, spam prevention, or technical support. We may also disclose information when required by law, to protect rights and safety, investigate fraud, or complete a business reorganization. Service providers are expected to process information only for agreed purposes and use appropriate safeguards.

Retention and Security

We retain information only as long as reasonably necessary to provide services, meet legal or compliance obligations, resolve disputes, and maintain required business records. We then delete, anonymize, or securely dispose of it as appropriate. We use administrative, technical, and physical safeguards appropriate to the nature of the information, but no internet transmission or storage method can be guaranteed to be completely secure.

Your Choices

You may ask to access, correct, or delete personal information you previously submitted, or ask us to stop nonessential follow-up communications. Some records may need to be retained for legal, regulatory, insurance-business, or security reasons. We may verify your identity before processing a request. You may also manage cookies through your browser settings.

This website is not directed to children under 13, and we do not knowingly collect their personal information. Links to doctors, carriers, government agencies, and other external sites are operated independently, and we do not control their privacy practices. We may update this policy to reflect business, technical, or legal changes; the revised version will be posted here with a new date.

Contact Us

For privacy questions or requests, contact Happy Insurance at 3001 Hellerman St, Philadelphia, PA 19149; email myhappyins@gmail.com; or call 646-287-0195.



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