Privacy Policy

Effective Date: [10/15/2025]
Last Updated: [11/10/2025]

1. Our Commitment to Your Privacy

Your privacy is very important to us. As a licensed health insurance broker, we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information in compliance with all applicable federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA) and Centers for Medicare and Medicaid Services (CMS) regulations for both Marketplace and Medicare marketing.

2. Information We Collect

We may collect personal information that you voluntarily provide to us, including but not limited to:

• Name, address, phone number, and email address
• Date of birth, gender, and household details
• Income range (for Marketplace applications)
• Medicare or Social Security information (for Medicare plan enrollment)
• Other information necessary to provide accurate insurance quotes or complete your application

We only collect the minimum amount of information needed to assist you with your insurance coverage.

3. How We Use Your Information

We use your personal information solely for the following purposes:

• Providing insurance quotes and plan comparisons
• Completing and submitting applications for coverage
• Communicating with you about plan options, renewals, and changes
• Meeting our legal and regulatory obligations with CMS, the Marketplace, and insurance carriers

We do not sell, rent, or share your information with anyone for marketing or commercial purposes outside of these uses.

4. How We Protect Your Information

We maintain strict administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. This includes secure data systems, encrypted communications where applicable, and limiting access to authorized licensed personnel only.

5. Disclosure of Information

We may disclose your information only when required or permitted by law, such as:

• To insurance carriers or Marketplace systems to process your application
• To CMS or other regulatory agencies for compliance, reporting, or audit purposes
• When required by a court order, subpoena, or other legal obligation

We never share your information for reasons unrelated to your insurance coverage without your express consent.

6. Your Rights

You have the right to:

• Request access to the information we hold about you
• Request corrections to any inaccurate or outdated data
• Withdraw consent or request deletion of your information, where legally allowable
• File a complaint if you believe your privacy rights have been violated

To exercise these rights, please contact us using the information below.

7. Cookies and Website Tracking

Our website may use basic analytics tools and cookies to understand how visitors interact with the site. These tools do not collect personally identifiable information and are used only to improve your online experience.

8. Contact Information

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact:

[SECURE SAVING HEALTHCARE ADVANTAGE]
Licensed Health and Medicare Insurance Brokers
Phone: [1-855-240-4325]
Email: [CUSTOMERSUPPORT@HEALTHCARESAVE.ORG]

9. Compliance Notice

We comply with:

• All CMS Medicare Communications and Marketing Guidelines (MCMG)
• Marketplace privacy and security standards under the Affordable Care Act
• The HIPAA Privacy Rule and applicable state Department of Insurance data-protection regulations

Any updates to this Privacy Policy will be posted on this page with a revised effective date.