Privacy Policy.

Who we are & scope

Affordacare Insurance Agency, LLC, doing business as AffordaCare Insurance (“we,” “us,” or “our”), provides insurance agency services. This policy addresses personal information handled in connection with our website, inquiries, and agency services.

Insurers, health plans, employers, and other providers may give you separate privacy notices. Their notices govern their own practices. This policy does not replace a legally required insurance financial privacy notice or a HIPAA Notice of Privacy Practices where applicable.

Information we collect

We retain emails and contact-form submissions in our support email inbox, including the contact details and message content you provide. The information involved depends on how you interact with us. Categories may include:

• Contact and inquiry information: your name, email, telephone number, mailing address, and information you include when requesting assistance.
• Business and benefits information: employer details, team size, coverage interests, and information needed to discuss available options.
• Application and service information: information supplied for a quote, enrollment, or policy assistance, which may include identifiers, dependent information, and health or financial information when needed for the requested service and permitted by law.
• Technical and interaction information: IP address, browser or device information, website activity, and communications with us, depending on the website features and services used.

Information may come from you, someone authorized to act for you, your employer, insurers or benefit providers, and service providers supporting these interactions. Please share only information necessary for your request.

How information is used

We use information to respond to questions, discuss options, assist with requested quotes or applications, support existing customer relationships, operate and protect our services, and meet legal and regulatory obligations. We may also use contact information to communicate about services, subject to applicable consent and opt-out requirements.

An insurer or plan administrator—not this website—makes applicable underwriting, coverage, and claim decisions. Any additional permission required for sensitive information or a particular use must be obtained separately.

When information is shared

Information may be disclosed to insurers, benefit providers, and authorized representatives as needed to evaluate or service the coverage you request; to providers supporting website operations and agency services; and where required or permitted by law to address legal obligations, fraud, security, or legal claims.

Information may also be involved in a business transfer, subject to applicable confidentiality requirements, notices, and legal restrictions. Any disclosure requiring your authorization is subject to that authorization.

Insurance-related information is subject to applicable financial and insurance privacy rules. Contact us to request the privacy notice applicable to your agency relationship, including any available limits on sharing.

Cookies & online privacy choices

We use Google Analytics to understand website activity and Google AdSense to display advertising. These services can process technical and usage information through cookies and similar technologies. The homepage statistics counter stores a single first-party flag in your browser’s local storage so it only adds your first visit once; no identifier is sent to or stored on our servers. We do not use session-recording tools or separately installed advertising pixels.

Google and other third-party advertising vendors may use cookies to serve ads based on visits to this and other websites. Advertising cookies allow Google and its partners to show ads based on browsing activity. Depending on settings and consent, ads may be personalized. This advertising activity may constitute “sale,” “sharing,” or targeted advertising under applicable privacy laws.

You can manage personalized advertising through Google My Ad Center and participating vendors’ choices at YourAdChoices. Learn more about how Google uses information from partner sites and its Privacy Policy. Google also provides a Google Analytics opt-out browser add-on.

You can block or delete cookies through your browser; doing so may affect features and does not stop every form of data collection. Advertising choices do not necessarily remove ads. A legacy “Do Not Track” setting is different from Global Privacy Control. Where applicable law requires recognition of an opt-out preference signal, that requirement applies. You may also contact us using the details in “Your privacy rights” to exercise applicable opt-out rights.

Communication preferences

You can unsubscribe from marketing email using its unsubscribe link or by contacting us. We will honor email opt-out requests within 10 business days. You may still receive lawful nonmarketing messages concerning your request or an existing service.

Where required, marketing calls or texts require separate consent; visiting the website does not provide that consent. You can revoke consent to calls or texts through a reasonable method, including replying STOP to a text or contacting us. We will process requests within applicable legal deadlines. Marketing consent is not a condition of purchase.

Sensitive information & AI chat

Please do not send Social Security numbers, payment information, medical records, or similarly sensitive information through ordinary email, general inquiry forms, or AI chat. Ask our team for an appropriate way to provide information needed for a requested service.

Our informational AI assistant is a custom GPT accessed through OpenAI’s ChatGPT. It is intended to answer general questions, not to collect applications or personal records. Information you enter is processed by OpenAI under its own policies and your ChatGPT account settings. We do not maintain a separate archive of your GPT conversations; information you choose to send to our support inbox is retained there.

Review the privacy notices and Data Controls in ChatGPT before using the GPT. Storage, retention, deletion, and any use of conversations to improve models depend on OpenAI’s policies, your account, and your settings. We do not promise that ChatGPT conversations are never stored or used for model improvement. If a GPT asks to send information to an external service, review that request and the recipient’s policy before proceeding.

We do not represent that every website interaction is covered by HIPAA. Where health information is subject to specific legal protections, those protections and any required separate notices apply.

Retention & security

We retain support emails and form submissions to respond to requests, maintain relevant correspondence, and meet applicable recordkeeping obligations. Retention depends on the purpose, the record, and legal requirements. You can request deletion using the contact details below, subject to applicable exceptions. Information is retained as long as reasonably necessary for the purposes for which it was collected, servicing obligations, and applicable legal, regulatory, recordkeeping, or dispute requirements. Applicable retention periods depend on the record and the services involved.

We are responsible for safeguards required by applicable law. No online system or transmission can be guaranteed completely secure. If a security incident requires notice, notice must be provided in accordance with the applicable law and circumstances; a single universal notification deadline does not apply to every incident.

Your privacy rights

Depending on your residence, the information involved, and the law applicable to our business, you may have rights to access or obtain a copy of information, correct inaccuracies, request deletion, or opt out of certain processing. Some laws also provide rights to limit specified uses of sensitive information, use an authorized agent, and appeal a denied request.

Insurance and financial privacy laws may provide different rights or exemptions. These do not automatically exclude all website data from state privacy protections. A request may be limited where information must be retained or another legal exception applies.

To make a request, email support@affordacareinsurance.com or call (800) 291-5279. Describe your request and the state where you live. Do not include sensitive identity documents in your initial email. We may need proportionate information to verify your identity or an agent’s authority, depending on the request.

We will respond within the deadlines required by applicable law and explain any permitted extension or denial. To appeal, where that right applies, contact us with “Privacy appeal” and the prior request details. You may also contact your state attorney general or insurance regulator. We will not unlawfully discriminate against you for exercising privacy rights.

Children’s privacy

Our website is intended for adults seeking insurance or benefits information, not for children under 13. Children’s information needed for dependent coverage should be provided by a parent, guardian, or another authorized person through the appropriate service process.

If you believe a child under 13 has submitted personal information directly through this website, contact us so we can investigate and take action required by law.

Policy updates & contact

We will identify updates on this page and provide additional notice or obtain consent when required. A policy change does not override rights that apply to information already collected.

For privacy questions or requests, contact Affordacare Insurance Agency, LLC at support@affordacareinsurance.com, call (800) 291-5279, or write to: Privacy Requests, 17300 Dallas Pkwy, Suite 2065, Dallas, TX 75248.

For conditions governing website use, see our Terms of Service.