Privacy Policy

Introduction

Your ACA Policy ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website youracapolicy.com and use our ACA enrollment assistance services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access our site or services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for our services
• Fill out enrollment forms
• Contact us for support
• Subscribe to our newsletter
• Participate in surveys or promotions

This personal information may include:

• Name, address, phone number, and email address
• Date of birth and Social Security number
• Income and household information
• Health insurance preferences and history
• Payment information (processed securely by third-party providers)

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Operating system and device information
• Pages viewed and time spent on our site
• Referring website addresses
• Search terms used to find our site

How We Use Your Information

We use the information we collect for various purposes, including:

• Providing ACA enrollment assistance and support services
• Processing insurance applications and communications with carriers
• Calculating potential subsidies and benefits
• Communicating with you about your enrollment status
• Improving our website and services
• Sending administrative information and service updates
• Responding to your inquiries and customer service requests
• Complying with legal obligations and regulations

Information Sharing and Disclosure

We may share your information in the following situations:

Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Processing insurance applications
• Payment processing
• Website hosting and maintenance
• Customer support services
• Marketing and communications

Insurance Carriers and Government Agencies

To facilitate your enrollment, we may share your information with:

• Health insurance carriers for policy applications
• Government marketplaces (Healthcare.gov and state exchanges)
• Regulatory agencies as required by law

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and employee training
• Regular security assessments and updates

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only 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. When we no longer need your information, we will securely delete or anonymize it.

Your Privacy Rights

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

• Right to access and receive a copy of your personal information
• Right to rectify inaccurate or incomplete information
• Right to delete your personal information
• Right to restrict processing of your information
• Right to data portability
• Right to opt-out of certain data processing activities

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

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our website. You can control cookie settings through your browser preferences, but please note that disabling cookies may affect the functionality of our site.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know about personal information collected, sold, or disclosed, and the right to request deletion of personal information.

Changes to This Privacy Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

• By phone: (833) 828-1176
• By email: [email protected]
• By mail: 101 W. Vandalia St. Edwardsville Illinois 62025