Draft pending legal review. Not yet in effect.

This policy explains what information AP Insurance ("AP Insurance," "we," "us") collects on this website, how we use it, and the choices you have. This website is not the Health Insurance Marketplace® website.

Information we collect

• Quote answers. Your ZIP code and county, how many people need coverage and their ages, your household size, your estimated household income (if you give it), and tobacco use.
• Contact details you choose to share. After you choose a plan, you can give us your first and last name, phone number and email. We only keep them if you check the consent box.
• Campaign tags. If you arrive from an ad, the campaign tags in the link (for example, utm_source).
• Usage data. Anonymous page-view statistics from Vercel Web Analytics, which does not use cookies. Our hosting provider also keeps standard technical logs; we do not write your quote answers, contact details or enrollment links to them.

How we use it

• To get plan estimates for you from HealthSherpa, our quoting and enrollment partner.
• To open your application on HealthSherpa's website when you choose a plan, with your answers filled in. Your enrollment happens on HealthSherpa and with the Marketplace; their own privacy policies apply there.
• If you shared your contact details with consent, to contact you about health insurance, including by calls, text messages and email.
• To meet our legal and regulatory obligations as a licensed insurance agency.

We use personally identifiable information only to help you shop for and enroll in coverage, and we protect it as required by federal law, including 45 CFR 155.260.

Who we share it with

• HealthSherpa, to provide quotes and open your enrollment session.
• Our service providers: Vercel (website hosting and analytics) and Google (where we record and receive the contact requests you send us). They may only use the information to provide their services to us.
• Government agencies or others when the law requires it.

We do not sell your personal information.

What we keep

If you don't share contact details, we don't keep your quote answers after showing you plans. If you do, we keep your request (your contact details, quote answers, the plan you chose and your consent) for [retention period — pending], or longer if the law requires it.

Your choices

• You can get a quote without giving us your name, phone number or email.
• You can stop calls and texts at any time: reply STOP to a text, or tell us at alexanderphinsuranceagent@gmail.com.
• You can ask us to access, correct or delete the information we hold about you by writing to alexanderphinsuranceagent@gmail.com. Your state's laws may give you additional rights.

Security

We use HTTPS on every page, keep our HealthSherpa credentials on our servers only, and limit who can see contact requests. No system is perfectly secure, so we can't guarantee absolute security.

Children

This website is meant for adults shopping for coverage for themselves and their families. We don't knowingly collect information from children under 13.

Changes and contact

We may update this policy and will change the date above when we do. Questions: alexanderphinsuranceagent@gmail.com, (786) 545-2931. See also our Terms of Service.