Privacy Policy

1. Introduction

Welcome to ACA Care Connect ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at acacareconnect.com or use our services to find affordable health insurance coverage.

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this policy, please do not access our website or use our services.

2. Information We Collect

2.1 Personal Information You Provide

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

• Complete our health insurance quote request forms
• Contact us by phone, email, or through our website
• Subscribe to our newsletter or marketing communications
• Request information about health insurance plans

This information may include:

• Contact Information: Name, email address, phone number, mailing address, and ZIP code
• Demographic Information: Date of birth, gender, household size, and income level
• Health-Related Information: Current insurance status, coverage needs, tobacco use status, and general health information necessary for obtaining insurance quotes
• Financial Information: Household income for subsidy eligibility determination

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information about your device and browsing activity, including:

• Device Information: IP address, browser type and version, operating system, device type
• Usage Data: Pages visited, time spent on pages, click patterns, referring website addresses
• Location Information: General geographic location based on IP address

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To connect you with licensed insurance agents and provide personalized health insurance quotes and plan recommendations
• Communication: To respond to your inquiries, provide customer support, and send important updates about your quote requests
• Marketing: With your consent, to send promotional communications about health insurance products and services that may interest you
• Analytics: To analyze website usage patterns, improve our services, and enhance user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and technical problems

4. Information Sharing & Disclosure

We may share your personal information with the following categories of recipients:

4.1 Insurance Partners

We share your information with licensed insurance agents, brokers, and insurance carriers who can provide you with health insurance quotes and coverage options. This is essential to fulfill your request for insurance information.

4.2 Service Providers

We engage trusted third-party companies to perform services on our behalf, such as:

• Website hosting and maintenance
• Customer relationship management
• Analytics and performance monitoring
• Marketing and advertising services

4.3 Legal Requirements

We may disclose your information when required by law, legal process, or government request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data transmission
• Secure server infrastructure with firewall protection
• Regular security assessments and updates
• Access controls limiting employee access to personal data
• Employee training on data protection practices

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These technologies help us:

• Remember your preferences and settings
• Understand how you interact with our website
• Analyze traffic and usage patterns
• Deliver targeted advertising

Types of Cookies We Use:

• Essential Cookies: Necessary for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used to deliver relevant advertisements

You can control cookie preferences through your browser settings. Note that disabling certain cookies may affect website functionality.

7. Your Privacy Rights

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal requirements
• Opt-Out: Opt out of marketing communications at any time
• Data Portability: Request your data in a portable format

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you
• Right to Delete: You can request deletion of your personal information, with certain exceptions
• Right to Opt-Out: You can opt out of the "sale" of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To submit a CCPA request, please call us at (844) 500-4-ACA (4222) or email us at support@acacareconnect.com.

9. Health Information Practices

ACA Care Connect is not a healthcare provider and is not subject to HIPAA regulations. However, we are committed to handling any health-related information you provide with care and confidentiality.

The health information you provide is used solely for the purpose of obtaining insurance quotes and connecting you with appropriate insurance options. We do not use this information for any other purpose without your consent.

10. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites and partner organizations. 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.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after any changes indicates your acceptance of the updated policy.

13. Contact Us

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