Consumer Health Data Privacy Policy

This Consumer Health Data Privacy Policy explains how Wynlo Technologies LLC handles consumer health data — information that identifies a consumer’s past, present, or future physical or mental health status. It supplements the general Privacy Policy and exists because several states, including Washington, require health-related information to be disclosed separately and treated with extra care.

Context matters here: Wynlo is business software used by licensed insurance professionals. Health-related information on the platform is gathered by those professionals from their own prospects and clients during life-insurance sales conversations, and Wynlo processes it to provide the software to the professional who collected it.

1. Categories of consumer health data collected

• Health conditions and diagnoses mentioned during an insurance conversation, including condition details recorded in pre-application notes.
• Medications.
• Height, weight, and build information.
• Tobacco and nicotine use.
• Health-related statements captured in call transcripts and, where recording features are used, call recordings.
• Health-related analysis derived from the above — for example, matching captured details against life-insurance carrier underwriting criteria to suggest which carrier a licensed professional may wish to evaluate first.

2. Purposes

• Providing the Service to the insurance professional who collected the information: storing pre-application details, displaying them to that professional, and generating carrier decision-support guidance for them.
• Producing the transcripts and call analyses that are part of that professional’s business records.
• Securing the platform and meeting legal obligations.

Wynlo does not sell consumer health data, does not use it for advertising, and does not use it to train models for other customers.

3. Sources

• The consumer, during conversations with a licensed insurance professional (or that professional’s AI-assisted calling tools) using Wynlo.
• The insurance professional, entering or importing details the consumer provided.

4. What is shared, and with whom

Consumer health data is shared only as needed to operate the Service:

• With the insurance professional (and their business) who collected it — it is their client record.
• With the service providers that process data on Wynlo’s behalf: our database/hosting providers (Supabase, Vercel), telephony provider (Twilio), AI calling provider (Bland AI), transcription provider (Deepgram), and AI analysis provider (Anthropic), each described on the Subprocessors page.
• Where the law requires disclosure, as described in the Privacy Policy.

Wynlo has no affiliates with which consumer health data is shared, and does not share it with advertisers, data brokers, or any third party for that party’s own use.

5. Your rights and how to exercise them

Depending on your state, you may have the right to know whether consumer health data about you is collected or shared, to access it, to withdraw consent, to have it deleted, and to appeal a decision on your request. To exercise any of these rights:

• Email info@wynlo.io with your request. We will need to verify your identity, and we respond within the time applicable law allows. If your request is denied, you may appeal by replying to our response, and we will have the appeal reviewed.
• You may also contact the insurance professional you spoke with — they control their client records, and we support our customers in fulfilling consumer requests.

Honest limits, stated plainly: rights requests are currently handled as a manual process rather than an automated self-service tool, and deletion is carried out subject to legal record-keeping duties that can apply to insurance sales records. Where the law requires deletion from backups, deletion propagates on the timeline the law allows. We do not promise a fixed retention schedule this policy cannot yet keep; the general Privacy Policy describes retention honestly and will be updated when a published schedule is adopted.

6. What this policy does not claim

• Wynlo is not a healthcare provider, health plan, or clearinghouse, and the Service is not a HIPAA-covered service. We do not claim HIPAA compliance.
• This policy describes current behavior only. As additional health-data controls ship, this policy will be versioned and updated to describe them.

7. Changes and contact

Material changes to this policy are announced before they take effect, and each version carries its version number and effective date above. Questions and requests: info@wynlo.io.