Privacy Policy

1. Information We Collect

1.1 Personal Information You Provide

When you use our website, submit lead forms, or contact us by phone, we may collect the following types of personal information:

• Contact Information: including your name, email address, phone number, mailing address, and ZIP code
• Demographic Information: including your date of birth, age, gender, and household size
• Insurance Information: including current insurance status, coverage preferences, income information (for subsidy determination), and health-related information you voluntarily provide
• Communication Records: including records of your phone calls, emails, and other communications with us
• Preferences: including your insurance coverage preferences, budget constraints, and communication preferences

1.2 Information Collected Automatically

When you visit our website, we automatically collect certain information about your device and browsing activities:

• Technical Information: including your IP address, browser type and version, device type, operating system, and unique device identifiers
• Usage Data: including pages visited, time spent on pages, links clicked, search queries, referral sources, and navigation paths through our website
• Location Data: including approximate geographic location based on your IP address
• Cookies and Tracking Technologies: including cookies, web beacons, pixels, and similar technologies (see Section 5 for details)

1.3 Information from Third-Party Sources

We may receive information about you from third-party sources such as data aggregators, marketing partners, public databases, and social media platforms, which we may combine with other information we have collected to enhance our ability to serve you and provide relevant insurance options.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Insurance Services: to provide quotes, match you with appropriate health insurance plans, facilitate enrollment, and assist with your insurance needs
• Communication: to respond to your inquiries, send requested information, provide customer support, and communicate about your insurance options
• Marketing: to send you marketing communications about our services, insurance products, and special offers (with your consent where required)
• Website Improvement: to analyze website usage, improve our website functionality, and enhance user experience
• Legal Compliance: to comply with applicable laws, regulations, and legal processes
• Fraud Prevention: to detect, prevent, and address fraud, security issues, and illegal activities
• Business Operations: to operate and manage our business, including analytics, reporting, and quality assurance
• Personalization: to personalize your experience and provide customized content and insurance recommendations

3. How We Share Your Information

We do not sell, rent, lend, or redistribute your personal information to third parties for their own marketing purposes. However, we may share your information in the following limited circumstances:

• Insurance Carriers and Partners: We may share your information with insurance companies and carriers to obtain quotes and facilitate enrollment in insurance plans you select. These partners are contractually obligated to use your information only for providing insurance services.
• Service Providers: We may share information with trusted third-party service providers who assist us with business operations such as website hosting, data analysis, email delivery, customer service, and payment processing. These providers are bound by confidentiality obligations.
• Legal Requirements: We may disclose your information when required by law, court order, subpoena, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the successor entity, subject to this Privacy Policy.
• With Your Consent: We may share your information with third parties when you have given us explicit consent to do so.

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Encryption of data in transit and at rest using SSL/TLS technology
• Secure servers with firewalls and intrusion detection systems
• Regular security audits and vulnerability assessments
• Limited access to personal information on a need-to-know basis
• Employee training on data protection and confidentiality

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any account credentials and for any activities under your account.

5. Cookies and Tracking Technologies

5.1 What Are Cookies

Cookies are small text files placed on your device when you visit our website. We use cookies and similar tracking technologies (such as web beacons, pixels, and tags) to enhance your experience, analyze website usage, and deliver targeted advertising.

5.2 Types of Cookies We Use

• Essential Cookies: Necessary for website functionality, such as form submissions and security features. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors use our website, including page views, traffic sources, and user behavior patterns.
• Functionality Cookies: Remember your preferences and settings to provide a more personalized experience.
• Marketing Cookies: Track your browsing activity to deliver relevant advertisements and measure campaign effectiveness.

5.3 Third-Party Cookies and Advertising

We work with third-party advertising partners (such as Google Ads, Facebook, and other platforms) who may place cookies on your device to serve targeted advertisements based on your browsing behavior. These partners may collect information about your online activities over time and across different websites. We may also use remarketing and retargeting technologies to show you relevant ads after you leave our website.

5.4 Your Cookie Choices

You have several options to manage cookies:

• Browser Settings: Most browsers allow you to refuse or delete cookies through their settings. Please note that disabling cookies may affect website functionality.
• Opt-Out Tools: You can opt out of interest-based advertising through the Digital Advertising Alliance (www.aboutads.info), Network Advertising Initiative (www.networkadvertising.org), or your device settings.
• Do Not Track: Some browsers offer a "Do Not Track" signal; however, there is no universal standard for responding to these signals, and we currently do not respond to them.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal and contractual obligations)
• Portability: Request a copy of your information in a portable format
• Opt-Out: Opt out of marketing communications at any time by clicking the unsubscribe link in emails or contacting us
• Object: Object to certain processing of your information

To exercise these rights, please contact us at info@marketplacehealth.com. We will respond to your request within the timeframe required by applicable law. We may need to verify your identity before processing your request.

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: Request information about the categories and specific pieces of personal information we have collected, the sources, purposes, and third parties with whom we share information
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of personal information. We do not sell your personal information.
• Right to Limit Sensitive Information: Limit the use and disclosure of sensitive personal information
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To submit a request, contact us at info@marketplacehealth.com or call us. You may designate an authorized agent to make requests on your behalf, subject to proof of authorization.

8. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you have rights under the General Data Protection Regulation (GDPR):

• Legal Basis: We process your information based on consent, contractual necessity, legal obligations, or legitimate interests
• Data Subject Rights: You have rights to access, rectification, erasure, restriction of processing, data portability, and objection
• Withdrawal of Consent: Where processing is based on consent, you may withdraw consent at any time
• Supervisory Authority: You have the right to lodge a complaint with your local data protection authority

International transfers of your data will be protected by appropriate safeguards such as Standard Contractual Clauses.

9. Children's Privacy

Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will delete such information from our systems.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors affecting retention periods include:

• The nature of our relationship and whether you are an active customer
• Legal, regulatory, tax, and accounting requirements
• Potential legal claims or disputes
• Business operational needs

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

11. Third-Party Websites and Services

Our website may contain links to third-party websites, including insurance carrier websites, social media platforms, and partner sites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit. This Privacy Policy applies only to information collected through our website.

12. Health Information and HIPAA

As a licensed health insurance agency, we work as a Business Associate under the Health Insurance Portability and Accountability Act (HIPAA). While we are not a covered entity, we are contractually obligated through Business Associate Agreements (BAAs) with insurance carriers to comply with HIPAA's Privacy Rule, Security Rule, and Breach Notification requirements.

This means the health-related information you provide to us IS protected under HIPAA regulations. We maintain comprehensive HIPAA compliance programs including security safeguards, employee training, risk assessments, and detailed policies and procedures to protect your Protected Health Information (PHI).

Once you enroll in an insurance plan, the insurance carrier becomes the covered entity directly responsible for your ongoing health information.

13. Telephone Communications and Recording

When you contact us by telephone or provide your phone number through our website, you consent to receive calls from us regarding your insurance inquiries. We may record telephone conversations for quality assurance, training, and compliance purposes. By continuing a call after being notified of recording, you consent to the recording.

By providing your telephone number, you agree that we may contact you at that number using an automated telephone dialing system, pre-recorded messages, or text messages. You are not required to provide consent to receive automated calls as a condition of purchasing any goods or services. Standard message and data rates may apply.

You may opt out of receiving marketing calls or text messages at any time by informing us during a call, responding STOP to any text message, or contacting us at info@marketplacehealth.com.

14. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this policy. Material changes will be communicated through a prominent notice on our website or by email. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Your continued use of our website and services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

We will respond to your inquiry within a reasonable timeframe as required by applicable law.