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Privacy Policy

Introduction

Welcome to StateChoicePlans.com (the “Site”). Your privacy is important to us, and we are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit or use our Site and services.

We comply with all applicable privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA) and the General Data Protection Regulation (GDPR), where they apply. By using our Site, you agree to the practices described in this policy.

Information We Collect

We collect information you voluntarily provide to us when using our Site and services. This may include:

  • Personal Identifiable Information (PII): Your name, physical address, phone number, email address, zip code, and other necessary identifiers.

  • Health and Policy Details: Information related to your health insurance, current policies, and other health-related data required to provide our services.

  • Financial and Billing Information: Details needed to process payments and manage your policy (e.g., credit card information).

  • Account Credentials: Your username and password for our online services.

  • Communication Records: Copies of your support inquiries, feedback, and other communications with us.

  • Usage and Technical Data: Information collected automatically, such as your IP address, browser type, device information, pages visited, and how you interact with the Site through cookies and similar technologies.

We only collect sensitive health information when it is absolutely necessary to provide our services and is done in accordance with applicable laws.

How We Use Your Information

We use the information we collect to:

  • Deliver and manage our health insurance products and services.

  • Process transactions (payments, renewals) and send you essential policy updates.

  • Provide customer support and respond to your questions and requests.

  • Customize and improve your experience on StateChoicePlans.com.

  • Fulfill legal requirements and comply with regulatory obligations.

  • Analyze data to enhance our business operations and product offerings.

  • Send promotional and marketing communications where permitted by law and with your explicit consent.

Legal Basis for Processing (Where Applicable)

For users covered by laws like the GDPR, we process your personal data based on one or more of the following:

  • Your consent (which you can withdraw at any time).

  • The necessity to perform a contract with you (e.g., providing an insurance quote).

  • Our need to comply with legal obligations.

  • Our legitimate business interests, provided they are not overridden by your rights and freedoms.

Sharing Your Information

We do not sell your personal information. We may share your data with third parties only in the following circumstances:

  • Service Providers: We share data with vendors and partners (like IT providers, payment processors, and insurance carriers) who help us operate our business and deliver services. They are required to uphold strict confidentiality and data protection standards.

  • Legal Compliance: We may disclose information to legal, regulatory, or governmental authorities when required by law or to protect our rights and property.

  • Your Consent: We will share your data with other third parties only with your explicit consent or as otherwise described in this Policy.

Cookies and Tracking

We use cookies and similar technologies to gather usage data, analyze traffic, personalize content, and enhance the functionality of the Site. You have the right to manage your cookie preferences through your browser settings or our on-site cookie consent tool.

Your Privacy Rights

Depending on where you live and which laws apply, you may have the right to:

  • Access and get a copy of the personal data we hold about you.

  • Correct or update any inaccurate or incomplete information.

  • Request deletion or restriction of your data.

  • Object to the processing of your data, especially for direct marketing.

  • Withdraw consent if our processing is based on it.

  • Request data portability to securely transfer your data to another service.

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

Data Security and Retention

We implement robust technical, administrative, and physical safeguards to protect your personal information from unauthorized access, disclosure, or destruction. This includes secure servers, encryption for sensitive data, and strict access control protocols. However, no security system is 100% impenetrable. You are also responsible for keeping your account credentials confidential.

We will retain your personal information only for as long as necessary to achieve the purposes outlined in this Policy, comply with our legal duties, and resolve disputes. Once the data is no longer needed, we will securely delete or anonymize it.

International Data Transfers

Your information may be processed or stored outside of your country of residence, including in the United States, where data protection laws may differ. When transferring data internationally, we implement appropriate safeguards, such as relying on standard contractual clauses or equivalent legal mechanisms, to ensure your data remains protected.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services or legal obligations. When we make significant changes, we will post the revised policy on this page with an updated effective date. We may also notify you by email or through a prominent notice on our Site. Your continued use of the Site after a change is posted confirms your acceptance of the new terms.

Contact Us

If you have any questions, requests concerning your data, or concerns about this Privacy Policy, please reach out to us:

You also have the right to file a complaint with your local data protection authority if you believe your privacy rights have been violated.