Privacy Policy

At Seoane Insurance we value your privacy. This policy explains what data we collect, how we use it, and your rights. We provide assistance with enrolling in Marketplace health plans (ACA/Obamacare); we are not Healthcare.gov nor a government agency.

1. Information we collect

• Contact details (name, phone, email, address).
• Data for Marketplace quoting/enrollment (household members, estimated income, coverage preferences). This data may include limited health information to determine eligibility and options.
• Basic technical site-usage data (cookies/analytics) to improve the experience.

2. Use of information

We use your data to: provide advice and quotes, assist with Marketplace applications, coordinate communications, comply with legal and regulatory obligations, and improve our services.

3. Data sharing

We may share data with: the Marketplace/Healthcare.gov and insurers when necessary to quote or complete an application; and with service providers (e.g., management systems) under confidentiality agreements. We do not sell your personal information. We disclose data when required by law.

4. Privacy and health data (HIPAA)

We protect the confidentiality of your information. When we handle health-related information to manage coverage, we apply reasonable administrative and technical safeguards. Where applicable, we may provide additional notices regarding medical information privacy.

5. Your rights and choices

You may request access, correction, or deletion of your data where applicable. You may opt out of marketing communications at any time.

6. Retention and minors

We retain information for as long as necessary for the described purposes or as required by law. Our services are intended for adults; to process minors' data, we require the involvement of a parent or guardian.

7. Contact

To exercise rights or make inquiries about this policy, use the channels listed in the contact section of the site.