Legal

Privacy Policy

Last updated: [Month Day, Year] — replace with your actual publish date

HealthACA ("HealthACA," "we," "us," or "our") respects your privacy. This policy explains what information we collect when you use this website or work with one of our licensed agents, how we use it, and the choices available to you. By using this site, you agree to the practices described here.

This policy is a starting template written for a health insurance marketplace/agency site. Replace every bracketed placeholder with your actual business details, and have it reviewed by a licensed attorney before publishing — insurance and health-related data carry specific state and federal disclosure requirements.

1. Information we collect

We collect information you provide directly, information collected automatically, and information received from third parties involved in enrollment.

Information you provide: name, date of birth, address, phone number, email, household size, estimated income, tobacco use, and other details needed to estimate subsidy eligibility or complete an enrollment application.
Sensitive information: where relevant to enrollment, this may include details that touch on health status or existing coverage. We only collect what a plan or carrier requires.
Automatically collected information: IP address, browser type, device type, pages visited, and referring website, gathered through cookies and similar technologies.
Information from third parties: insurance carriers, the federal or state Marketplace, and verification services we use to confirm eligibility.

2. How we use your information

To estimate subsidy eligibility and show you relevant plan options
To connect you with a licensed agent and complete enrollment on your behalf, with your consent
To contact you by phone, email, or text about your application or renewal — see Section 5 on consent
To meet legal, regulatory, and carrier-reporting obligations
To improve this website and understand how visitors use it

3. When we share your information

We share information with insurance carriers and Marketplace systems as needed to process an application, with licensed agents assigned to your enrollment, and with service providers who support our operations under confidentiality obligations. We do not sell your personal information. We may disclose information if required by law or to protect the rights, safety, or property of HealthACA or others.

4. Cookies and tracking

We use cookies and similar technologies to keep the site functional, remember your preferences, and understand aggregate traffic patterns. You can control cookies through your browser settings; disabling them may affect how parts of the site function.

5. Communication consent (TCPA)

By submitting the eligibility form or otherwise providing your phone number, you consent to be contacted by HealthACA and its licensed agents by phone, text message, and email, including through automated dialing technology, regarding health insurance options. Consent is not a condition of purchasing coverage. Message and data rates may apply. Reply STOP to opt out of text messages at any time, or contact us using the details below.

6. Data retention

We retain personal information for as long as needed to service your enrollment, meet legal and regulatory recordkeeping requirements, and resolve disputes, after which it is deleted or de-identified in line with our internal retention schedule.

7. Your choices

Request access to, correction of, or deletion of your personal information, subject to legal recordkeeping requirements
Opt out of marketing calls, texts, or emails at any time
Ask which third parties have received your information in connection with an application

To exercise any of these choices, contact us using the details at the bottom of this page. [If you serve California, Colorado, or other states with specific privacy statutes, add the required disclosures and rights here.]

8. Security

We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Children's privacy

This site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

10. Changes to this policy

We may update this policy from time to time. The "last updated" date at the top reflects the most recent revision. Material changes will be posted on this page.

11. Contact us

HealthACA
[Business address]
Email: hello@healthaca.com
Phone: 1-800-555-0148

This page is provided as a starting template and does not constitute legal advice. Have it reviewed by qualified counsel before publishing.