MARKETPLACE PRIVACY NOTICE

The Federally-facilitated Marketplace requires insurance brokers/agents to provide a Privacy Notice Statement to all Marketplace clients via a public-facing website or electronic or paper form before collecting Personally Identifiable Information (PII). This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Get Help With Insurance, Inc. is authorized to collect Personally Identifiable Information (PII) from you. Any PII we collect is used to assist with your health insurance eligibility, and may be shared or disclosed in the following ways:

Our Uses and Disclosures

We may use and share your information as we:

Assist with your enrollment for health insurance coverage through the health insurance Marketplace and determine subsidy eligibility. The information you provide may be submitted to CMS (a Federal agency) and will be maintained in a Federal system of records.
Help manage verifications and information requested by you, your insurance carrier, and the Marketplace, such as:
Income, tax household size, citizenship or eligible immigration status, permanent move, divorce, marriage, the birth of a child, adoption, social security number, tax filing, and premium tax credit reconciliation, Federally recognized tribe status.
Claim, billing inquiries, and premium payment information
S.A. enrollment
Other information we receive from you as requested on insurance enrollment forms and applications.
We can use and share your information to run our organization and contact you when necessary. We use health and demographic information about you to develop better services for you.

If you choose to give us PII, we may share this information with certain entities under the following circumstances:

Comply with the law. We will share information about you if a state or federal laws require it, including with the Department of Health and Human Services if it wants to see that we’re complying with federal privacy law.
Address workers’ compensation, law enforcement, and other government requests
Respond to court or administrative orders, lawsuits, legal actions, subpoenas, and health oversight agencies for activities authorized by law.
We may be required to collect specific personal information about you as required by the law and insurance carrier. If you choose not to provide us with the PII requested, or not to respond to specific questions, your enrollment may be denied or delayed, and we will inform you of such consequences.

Our Responsibilities

We are required by law to maintain the privacy and security of your protected health information.
We will let you know promptly if a breach occurs that may have compromised the privacy or security of your data.
We must follow the duties and privacy practices described in this notice and make the information available to you.
We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind.

Changes to the Terms of this Notice

We can change the terms of this notice, and the amendments will apply to all the information we have about you. The new notice will be available upon request and on our website.

Producer Compensation Disclosure

Compensation includes: commission, fees, awards, overrides, bonuses, contingent commissions, loans, stock options, gifts, prizes, or any other form of valuable consideration.

Regular commissions: Most revenues come from regular commissions paid on policies placed through Get Help With Insurance, Inc. varying by product and insurer. Commissions change annually and will range from a percentage to flat dollar amount, and can also be paid based on the number of family members enrolled.

Overrides: A few of the insurers that Get Help With Insurance, Inc. also represents grant Get Help With Insurance, Inc. the opportunity to earn an override. These overrides are based on Get Help With Insurance, Inc.’s collective volume of business. These overrides are modest and are used for supportive services.

Last Revised: 03/05/2023

Get Help With Insurance, Inc. cares about your privacy. For this reason, we collect and use personal information only as needed to deliver our products, services, websites and mobile applications, and to communicate with you about the same, or as you have requested (collectively, our “Services”). Your personal information includes information such as:

Name
Address
Telephone number
Date of birth
Email address
Billing and payment information
Candidate information (for job applicants)
Other data collected that could directly or indirectly identify you.

Our Privacy Policy not only explains how and why we use your personal information that we collect, but also how you can access, update or otherwise take control of your personal information.

If at any time you have questions about our practices or any of your rights described below, you may reach our Data Protection Officer (“DPO”) and our dedicated team that supports this office by contacting us.

What information we collect, how we collect it, and why

Much of what you likely consider personal information is collected directly from you when you:

create an account or purchase any of our Services (ex: billing information, including name, address, credit card number, government identification);
request assistance from our award-winning customer support team (ex: phone number);
complete contact forms or request newsletters or other information from us (ex: email); or
participate in contests and surveys, apply for a job, or otherwise participate in activities we promote that might require information about you.

However, we also collect additional information when delivering our Services to you to ensure necessary and optimal performance. These methods of collection may not be as obvious to you, so we thought we’d highlight and explain a bit more about what these might be (as they vary from time to time):

Cookies and similar technologies on our websites and our mobile applications allow us to track your browsing behavior, links clicked, items purchased, your device type, and to collect various data, including analytics, about how you use and interact with our Services. These technologies automatically collect data when you use and interact with our Services, including metadata, log files, cookie/device IDs, page load time, server response time, and approximate location information to measure website performance and improve our systems, including optimizing DNS resolution, network routing and server configurations. Specifically, interactions with the features, content and links (including those of third-parties, such as social media plugins) contained within the Services, Internet Protocol (IP) address, browser type and settings, the date and time the Services were used, information about browser configuration and plugins, language preferences and cookie data, information about devices accessing the Services, including type of device, what operating system is used, device settings, application IDs, unique device identifiers and error data is collected. All this allows us to provide you with more relevant product offerings, a better experience on our sites and mobile applications, and to collect, analyze and improve the performance of our Services. We may also collect your location (IP address) so that we can personalize our Services.

Supplemented Data may be received about you from other sources, including publicly available databases or third parties from whom we have purchased data, in which case we may combine this data with information we already have about you so that we can update, expand and analyze the accuracy of our records, assess the qualifications of a candidate for employment, identify new customers, and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.

How we utilize information.

We strongly believe in both minimizing the data we collect and limiting its use and purpose to only that (1) for which we have been given permission, (2) as necessary to deliver the Services you purchase or interact with, or (3) as we might be required or permitted for legal compliance or other lawful purposes:

Delivering, improving, updating and enhancing our Services. We collect various information relating to your purchase, use and/or interactions with our Services. We utilize this information to:

Improve and optimize the operation and performance of our Services (again, including our websites and mobile applications)
Diagnose problems with and identify any security and compliance risks, errors, or needed enhancements to the Services
Detect and prevent fraud and abuse of our Services and systems
Collecting aggregate statistics about use of the Services
Understand and analyze how you use our Services and what products and services are most relevant to you.

Much of the data collected is aggregated or statistical data about how individuals use our Services, and is not linked to any personal information.

Sharing with trusted third parties. We may share your personal information with affiliated companies within our corporate family, with third parties with which we have partnered to allow you to integrate their services into our own Services, and with trusted third party service providers as necessary for them to perform services on our behalf, such as:

Processing credit card payments
Serving advertisements
Conducting contests or surveys
Performing analysis of our Services and customers demographics
Communicating with you, such as by way email or survey delivery
Customer relationship management
Security, risk management and compliance
Recruiting support and related services.

These third parties (and any subcontractors they may be permitted to use) have agreed not to share, use or retain your personal information for any purpose other than as necessary for the provision of Services.

We will also disclose your information to third parties:

in the event that we sell or buy any business or assets (whether a result of liquidation, bankruptcy or otherwise), in which case we will disclose your data to the prospective seller or buyer of such business or assets; or
if we sell, buy, merge, are acquired by, or partner with other companies or businesses, or sell some or all of our assets. In such transactions, your information may be among the transferred assets.

Communicating with you. We may contact you directly or through a third party service provider regarding products or services you have signed up or purchased from us, such as necessary to deliver transactional or service related communications. We may also contact you with offers for additional services we think you’ll find valuable if you give us consent, or where allowed based upon legitimate interests. You don’t need to provide consent as a condition to purchase our goods or services. These contacts may include:

Email
Text (SMS) messages
Telephone calls
Messenger applications (e.g. WhatsApp, etc.)
Automated phone calls or text messages.

You may also update your subscription preferences with respect to receiving communications from us and/or our partners by signing into your account and visiting “Account Settings” page.

If we collect information from you in connection with a co-branded offer, it will be clear at the point of collection who is collecting the information and whose privacy policy applies. In addition, it will describe any choice options you have in regards to the use and/or sharing of your personal information with a co-branded partner, as well as how to exercise those options. We are not responsible for the privacy practices or the content of third-party sites. Please read the privacy policy of any website you visit.

If you make use of a service that allows you to import contacts (ex. using email marketing services to send emails on your behalf), we will only use the contacts and any other personal information for the requested service. If you believe that anyone has provided us with your personal information and you would like to request that it be removed from our database, please contact us at allriskinsurancesolutions@outlook.com.

Transfer of personal information abroad. If you utilize our Services from a country other than the country where our servers are located, your personal information may be transferred across international borders, which will only be done when necessary for the performance of our contract with you, when we have your consent to do so, or when the appropriate standard contractual clauses are in place. Also, when you call us or initiate a chat, we may provide you with support from one of our global locations outside your country of origin.

Compliance with legal, regulatory and law enforcement requests. We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (such as subpoena requests), to protect our property and rights or the property and rights of a third party, to protect the safety of the public or any person, or to prevent or stop activity we consider to be illegal or unethical.

To the extent we are legally permitted to do so, we will take reasonable steps to notify you in the event that we are required to provide your personal information to third parties as part of legal process. We will also share your information to the extent necessary to comply with any ICANN, registry or ccTLD rules, regulations and policies when you register a domain name with us. For reasons critical to maintaining the security, stability and resiliency of the Internet, this includes the transfer of domain name registration information to the underlying domain registry operator and escrow provider, and publication of that information as required by ICANN in the public WHOIS database or with other third parties that demonstrate a legitimate legal interest to such information.

How we secure, store and retain your data.

We follow generally accepted standards to store and protect the personal information we collect, both during transmission and once received and stored, including utilization of encryption where appropriate.

We retain personal information only for as long as necessary to provide the Services you have requested and thereafter for a variety of legitimate legal or business purposes. These might include retention periods:

mandated by law, contract or similar obligations applicable to our business operations;
for preserving, resolving, defending or enforcing our legal/contractual rights; or
needed to maintain adequate and accurate business and financial records.

If you have any questions about the security or retention of your personal information, you can contact us at allriskinsurancesolutions@outlook.com.

How you can access, update or delete your data.

To easily access, view, update, delete or port your personal information, or to update your subscription preferences, please sign into your Account and visit “Account Settings.”

If you make a request to delete your personal information and that data is necessary for the products or services you have purchased, the request will be honored only to the extent it is no longer necessary for any Services purchased or required for our legitimate business purposes or legal or contractual record keeping requirements.