We value your privacy.
This Notice describes how we protect, collect, use, and share customer information. Customer information means all nonpublic information related to an identified individual, which is sometimes called personally identifiable information. Customer information does not include anonymized data or de-identified data, which do not identify an individual.
Our Privacy Principles
We do not sell customer information.
We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
We contractually require any person or organization providing products or services on our behalf to protect AffordaCare Insurance customer information.
We do not share customer medical information with AffordaCare Insurance:
You expressly authorize it
OR it is permitted or required by law
OR Your insurance policy contract with us permits us to do so.
We handle information about former and prospective customers the same as existing customers.
We Protect Customer Information
We maintain physical, electronic, and procedural safeguards to protect customer information and to comply with federal and state laws. In addition, we review our policies and practices, monitor our computer networks, and test the strength of our security.
We retain customer information for legal, auditing, regulatory, and business purposes.
We collect customer information in different ways. For example, we gather information from:
applications and other forms related to our products and through conversations with AffordaCare Insurance representatives, including our agents.
use of affordacareinsurance.com, our mobile sites and applications, our social media sites and applications, and interactions with our online advertisements.
transactions or experiences with us, such as payments, underwriting, and claims.
within the AffordaCare Insurance family of companies.
non-AffordaCare Insurance parties, including consumer reporting agencies that provide us with information such as driving records, claim histories, and credit information.
How We Use Customer Information
We use customer information, sometimes including consumer report information, to do things such as:
underwrite and rate your policies and accounts.
process your claims.
protect against fraud and unauthorized transactions.
provide proper billing.
confirm your identity and service your policies and accounts.
enhance your customer experience and improve our products and services.
offer you other insurance and financial services products.
develop and offer new products and services.
develop either anonymized data or de-identified data by making reasonable efforts to remove personally identifiable information so the information is no longer customer information. We develop this data for certain purposes, such as analysis to understand more about our customers and our industry, or for other commercial purposes as permitted by law. We share and use this data within our AffordaCare Insurance family of companies, with third party service providers, or with other unaffiliated entities.
perform other activities as required or permitted by law.
How We Share Customer Information
We share customer information, including information about our transactions with you (such as payments) and experiences with you (such as an auto claim), within our AffordaCare Insurance family of companies and with AffordaCare Insurance agents to help meet your product and service needs. We share customer information inside or outside our family of companies:
for our everyday business purposes, for public policy purposes, and as permitted or required by law.
as needed, to handle your claim. For example, we may share name, address, and coverage information with an auto body shop to speed up repairs on auto damage claims.
with consumer reporting agencies, for example, during the underwriting process.
in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of our business or operating unit.
with companies that perform marketing or other services for us or with whom we have joint marketing agreements. These agreements allow us to provide a broader selection of insurance and financial products to you.
as needed, to protect against fraud and unauthorized transactions and in connection with the investigation, establishment, and defense of legal rights.
To Limit the Sharing of Customer Information Within the AffordaCare Insurance Family of Companies
We share customer information within our AffordaCare Insurance family of companies so, for example, we do not have to ask you for the same information again. If you prefer to limit sharing information such as your driving record, claim history with other companies, and credit information, call your AffordaCare Insurance agent or 800-865-6035. Please note, your choice:
will apply to joint policyholders or account holders on shared policies and accounts.
does not limit AffordaCare Insurance from sharing certain customer information about your transactions or experiences with us for our everyday business purposes or for public policy purposes.
does not limit AffordaCare Insurance from sharing customer information in the event of a transfer, between AffordaCare Insurance companies, of all or a portion of a line of business.
If you are an existing customer and have already told us your customer information sharing preference, no action is needed unless you want to change your preference.
Residents of Vermont: AffordaCare Insurance will not share certain customer information across our AffordaCare Insurance family of companies unless authorized by you. This does not limit AffordaCare Insurance from sharing information about your transactions with us (such as your payment history) or your experience with us (such as your claim history) as permitted by law.
Information for Internet, Mobile, and Social Media Users
In addition to the information collection and sharing practices described above, AffordaCare Insurance website properties and mobile applications may use common tracking technologies like browser cookies, “Local Shared Objects” (such as “Flash” cookies), analytical tools, device IDs, or other technologies. We also collect certain technical information about the device you use to access our site or services, such as user-agent, timestamp, hardware type, language and time zone settings, IP address, OS type and version, and installed fonts. Our mobile and social media applications will contain a statement describing what information is collected from your use of that particular application. Currently, we do not support the necessary technology to respond to Web browser "do not track" signals or other, comparable mechanisms. Learn more about our ads and tracking activities.
Other Important Information
Please contact your agent for name/address changes or policy/coverage questions.
If you have questions about this Notice, you may contact us with questions about this Notice by:
writing us at:
Attention: Enterprise Compliance & Ethics - Office of Privacy,
3523 45th St S Suite 100, Fargo, ND 58104
Residents of California: We may collect customer information from persons other than the individual or individuals applying for coverage. Such customer information as well as other personal or privileged information subsequently collected may, in certain circumstances, be disclosed to third parties without your authorization as permitted by law. If you would like additional information about the collection and disclosure of customer information, please contact your AffordaCare Insurance agent. You may also act upon your right to see and correct any customer information in your AffordaCare Insurance files by writing your AffordaCare Insurance agent to request this access.
Residents of Nevada: Nevada law requires us to disclose that you may elect to be placed on our internal “do not call” list should you wish not to receive marketing calls from AffordaCare Insurance. If you have already been placed on our internal “do not call” list please disregard this notice. You may request to be placed on AffordaCare Insurance’s internal “do not call” list by:
Contacting your AffordaCare Agent agent
OR Email email@example.com
OR writing us at the following address:
Mail Response Center
3523 45th St S Suite 100
Fargo, ND 58104
Please provide us with your name, address and all telephone numbers you wish to be placed on our list. If you have questions about Nevada law regarding “do not call”, please contact us at the address listed above, or you may contact the Nevada Attorney General at:
Office of the North Dakota Attorney General
Bureau of Consumer Protection
600 E. Boulevard Ave, Dept. 125
Bismarck ND 58505