EZ Rate Marketing, LLC ("EZ Rate Marketing”, “EZ Rate Agent", “EZ Rate”, "us", "we" or "our") respects your privacy. This privacy policy is designed to help you understand how we collect, use and disclose the Personally Identifiable Information that you choose to share, the type of information we receive about you from third parties, and to help you make informed decisions when you contact us through our website, by sending email through our portal, by text and other means as described later in this privacy policy (collectively, the “services”). In this privacy policy, "you" means the user of our services, including the individual application for an insurance policy,

By using the services www.EZRateAgent.com, in accordance with all the terms of this privacy policy and consent to the collection, use and disclosure of information as a set forward in this privacy policy. If you do not accept this privacy policy, please do not use the services. You can buy insurance directly through www.healthcare.gov.

If you have any questions or comments about this website privacy policy or our privacy practices, please contact us using one of the means listed on our Contact Page.

1. The information we collect, use and disclose

1.1. Personal Identification Information We May Collect and How We May Collect Information
“Personally Identifiable Information” is information that identifies you or that, when combined with other available information, can be used to identify you. It includes personally identifiable information, such as your name, date of birth, social security number, telephone number, email address, physical address, and Exchange ID provided by the requesting Federal Government or member ID. Personally Identifiable Information also includes your date and place of birth, your mother's maiden name, and unique device identifiers.

(A) We may collect Personally Identifiable Information in a variety of ways, including when:
You use the functions or features of the services, such as when you complete an insurance form on our website, or authorize us to send you email or text message reminders. You contact us to request information by sending us an email or a text message. Note: If you are sending us email through a means through our portal, keep in mind that regular email is not a secure form of communication. This means that people other than us can see a copy of your email. Please include your social security number, your date of birth, or any other important information. If you cannot use our portal to communicate with us, then please give us a call.

Register for an account with our services.
Register to receive our newsletter, for a seminar, or other service through our services. You pay for services with a credit card or the other payment option that we make available to you. Send feedback to us through a contact form. Participate in a survey.

You have authorized a third party with whom you have or had a relationship to provide us with information about you. For example, we may receive personally identifiable information about you in an agreement with our business partners, such as government agencies, a health insurance issuer, authorized agents, health care providers, third-party administrators, and other providers (collectively, "partners").

(B) We may use and disclose Personally Identifiable Information in the following ways:

To keep a record of your contact and correspondence information and use this to answer your questions, fulfill your requests, and assist you with the purchase of a health plan, including, for example: - Help with your application (s) for health plan eligibility health plan; - Support in the selection and enrollment of a qualified health plan, helping you with plan selection and plan comparisons. - Help with your application to receive tax credits and cost-sharing reductions in which you may be eligible and facilitate the collection of standardized certificates acknowledging receipt of the determination of a tax credit and the reduction of shared costs, if applicable. ; Y - Assistance in filing Appeals of eligibility determinations in connection with the Federally facilitated Exchange.

Identify you with someone you can contact through the services. To transmit your information to authorized Business Partners and other third parties, including, for example, transmitting your decision to enroll in or withdraw from a qualified health plan to the Federally facilitated Exchange or to a qualified health plan, assisting you to report changes in your eligibility status (for example, adding a dependent) or to help you correct errors on your insurance application.

Identify you with your employer or employees, as the case may be.

To provide assistance in communicating with your health plan or to facilitate your communication with an insurance agent, a health savings account (“HSA”) provider, or a health account reimbursement provider (“HRA”), for example, by providing your Personally Identifiable Information to the vendor, its trustee, or manager, or an agent so that they can contact you to answer your questions.

To facilitate the payment of the initial premium amount to the appropriate qualified health plan, educate you about safe accessibility programs and if applicable, provide information about your eligibility for Medicaid or the children's health insurance program.

Send you reminders about your insurance enrollment, including renewal notices, enrollment deadlines, missing information on the application, and help you become aware of life events that may affect your eligibility, such as when you can no longer maintain your current plan health due to his age.

Provide you with appropriate information, materials and programs to inform and educate you on the use and management of your health information and services and options offered through the selection of qualified health plans or from among the available options of qualified health plans, including, for example, the availability of an HSA or HRA.

We may use survey information for research and quality improvement purposes, including helping us to improve the information and services offered through the Services and to evaluate your satisfaction or resolve your complaints about our services, your agent, your health plan or the Exchange facilitated by the Federal Government.

To carry out our legal responsibilities related to the efficient functions of qualified health plans, as permitted or required by our contractual relationship with qualified health plans. To send you administrative information about our services, such as information about our phone support hours, changes to our terms or policies, and updates to our services.

To operate our business. - Our staff members and independent contractors may need access to your Login Information to carry out their duties and obligations, such as customer service, respond to your inquiries, and facilitate their communication with business partners. - Our third-party services providers may need to access your Personally Identifiable Information to carry out their duties and obligations or may require access by virtue of the type of services they provide to us, including, for example, providers that offer website presentations. and maintenance, data or information storage, information technology with related infrastructure, customer service, email delivery, analytics, fraud prevention, chat, web analytics, website optimization and other similar services. PII information will not be shared.

To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or a portion of our business, including a bankruptcy action, provided that, in accordance with our agreements, such transfer is permitted by the Florida State Office of Insurance Regulation, or any other State where we may be licensed to provide insurance services.

Use this in any way that you expressly authorize, provided such use is permitted by applicable laws.

When permitted by applicable laws, our affiliates or affiliated entities may share your Personally Identifiable Information with others in connection with the provision of our Services, or in connection with their sales and marketing process. To the extent that any of those entities have access to your Personally Identifiable Information, they will follow the practices described in this privacy policy, as well as the laws and agreements with us, if any apply.

Other functions substantially similar to those listed above and the other functions that may be approved in writing from time to time, including, to the extent not prevented by our agreements or other applicable law, for our business purposes, such how to improve or modify our Services, identifying trends in the use and expansion of our service and business offers.

As we believe is necessary or appropriate, but only to the extent permitted by applicable law: (1) comply with legal process; (2) to respond to requests from public and government authorities; (3) to enforce our terms and conditions or other applicable contracts; (4) to protect our operations and those of the Federally Facilitated Exchange against, for example, security threats, fraud or other malicious activity; (5) protect our rights, privacy, safety or property or that of you or others who use the Services; and (6) to allow us to pursue available remedies or limit the damages we may sustain.

(C) Personally Identifiable Information and Third Party Data Sources

We may obtain your Personally Identifiable Information from affiliated entities, publicly available databases and other independent third party sources ("Third Party Data Sources") and add it to our database for marketing and sales purposes and combine it with other information that we have collected or otherwise obtained from you. This can include your phone number, email address, title, or employer.

To the extent that we use third-party data sources, we will only do so (1) to the extent that we are not precluded by applicable law, or (2) if you authorize us to do so, for example by using one of our websites that does not send data to the Federal Facilitation Market or providing us with a written affirmative consent such as checking in a box the applicable consent or verbal consent when you speak with your agent.

(D) Personally Identifiable Information and Marketing

[TM13] To the extent of not being prevented by applicable laws, we may use your Personally Identifiable Information that we receive from or about you to send marketing communications and promotional material about other products and services. If you show an interest in a certain product or service, for example, if you click on a link about the product or service, and we have your contact information, we can follow up and send you an email or initiate communication with you. about this product or service and periodically we may send you additional information and news.

We may also disclose your Personally Identifiable Information to our third-party service providers that offer related marketing services, including, for example, companies providing lead scoring, redirection, marketing targeting campaigns, and other similar services. What we disclose about your Personally Identifiable Information with respect to such services will only be done pursuant to our compliance with contractual obligations that require such third parties to maintain the privacy and security of your Personally Identifiable Information.

1.2. Other information we may collect

"Other information" is any information that does not reveal your specific identity or does not directly relate to an individual, including, for example: (1) computer or device connection information, such as browser type and version, type of operating system and version, device information and other technical identifiers; (2) information collected through cookies and other technologies; (3) demographic information and other information provided by you such as race / ethnicity, student status, or income; or (4) aggregated information, such as usage history and search history. If we combine other information with Personally Identifiable Information, the combined information will be treated as Personally Identifiable Information for as long as it remains combined.

(A) How We May Collect Other Information

We, and our third-party service providers, may collect other information in a variety of ways, including:

Through your browser or mobile device: Certain information is collected automatically by most browsers or through your mobile device, such as your type of equipment, screen resolution, name of the operating system and version, manufacturer and model, language, Internet browser type and version.

Use of cookies, web beacons and similar technologies: Our services may use cookies and other technologies such as pixel tags, web beacons and HTML5 local storage. These technologies help us provide better services to you, tell us which parts of our services people visit, and allow us to better measure the usability of our features, tools, and other services. We treat the information collected by cookies and other technologies as Non - Personally Identifiable Information. You have a variety of tools available to control cookies and similar technologies, including controls in your browser to block and delete cookies.

IP address: Your IP address is a number that is automatically assigned to the computer you are using by your Internet service provider (“ISP”). An IP address can be identified and automatically recorded in our server log files those that our organizing provider, a provider provides us with web analytics services, or other similar services that we can run on our Services whenever a user accesses the services. , along with the time of the visit and the pages that were visited.

Analysis tools and third-party services: We may use analysis tools and other third-party services, such as Google Analytics, to collect information about the use of our services. These tools and technologies may collect and analyze different types of information, including cookies, IP addresses, device identifiers, referring and exit URLs, site behavior and usage information, usage of metrics and statistics, and the like.

By adding information: Added Personal Information does not personally identify you or any other user of the Services. We may aggregate information for a variety of reasons, for example, to calculate the percentage of our users who live in a particular state, who live in a certain area code, to perform trend analysis, to monitor which features are most popular. in our Services, to develop product ideas, for technical administration of our Services and similar uses.

(B) How we may use and disclose information of others

In addition to the examples provided in section 1.2 (A) above, we may use and disclose information of others for any purpose, except where we are required not to do so under applicable laws. If we are required to treat other information, such as IP addresses or other similar identifiers, as Personally Identifiable Information under applicable laws, then, unless prohibited under applicable law, we may use your information as described in the "How Other Information May Be Collected" section, as well as for all purposes for which we use and disclose Personally Identifiable Information, but we will treat these identifiers as Personally Identifiable Information.

2. California no-tracking notice

We do not track you over time and through third party websites to provide targeted advertising and therefore do not respond to Do Not Track (“DNT”) signals. Some of the third parties that may have been embedded in our Services, such as social network connectors (for example, Facebook, Twitter) or advertising services (for example, Google Adsense) Install cookies in your browser as well as obtain information about the fact that a web browser visited the services from a certain IP address. These services may track you through third party websites. Please read the privacy policies of these third parties to learn how they respond to DNT signals.

3. How we communicate with you

We may communicate with you through various means including: Sending email to the email address you provide, for example, responding to your email inquiry; Calling the phone number you provide by, for example, returning a phone message that you left for customer service; Sending text messages, such as premium payment reminders, to the cell phone that You provide; and Sending letters to the address you provide.

By providing us with your email address, cell phone or landline number or your email address, you give us your consent using these means to communicate with you. In addition, you understand that in order to contact you more efficiently, we may sometimes do so by automatic dialing or calls with pre-recorded messages or text messages to the telephone numbers that you have provided to us. We can place this type of calls or texts

By providing your email and phone number, you agree to allow Entérate to send you advertising and promotional information by email and SMS. You also allow Entérate to call you.

(1) discuss any services provided by us in the past, present or future,

(2) analyze accounting, billing, or financial information (for example, insurance and premium information) for services provided by us or by your health plan, in the past, present, or future, or

(3) collections of any amount past due in the past. You agree that we and our service providers may contact you through pre-recorded messages or automatic dialing calls and text messages to carry out the purposes that we identify in this Privacy Policy. We may share your phone number (s), including your cell phone number, with service providers whom we contract with to assist us in pursuing those interests, but we will not share your phone number with third parties for their own purposes without your consent. Please understand that per minute and per text charges may apply.

You do not have to consent to receiving prerecorded messages or automatic dialing of calls or texts to receive services from us. Where we are required to obtain your consent for such communications, you can revoke your consent by contacting us through one of the contact options located on our page (Contact Us) and informing us of your preferences.

4. Our commitment to data security

We care about your privacy and in offering our services, we are required to comply with all applicable federal laws, including the rules established under 45 CFR § 155.220 (c) and (d) and to establish the rules under 45 CFR § 155.260 for protect the privacy and security of Personally Identifiable Information.

4.1. Our security practices

General We commercially use administrative, physical, and technical controls to protect Personally Identifiable Information that you provide to us or that we receive about you through unauthorized access, loss, misuse, disclosure, alteration, and destruction. On our website, we use encryption technology, such as Secure Sockets Layer ("SSL") to send some communication through the Website. For example, when your information is transmitted to the Federally Facilitated Exchange, we use SSL to protect your Personally Identifiable Information during data transport.

Similarly, when you register for an account with us, we use SSL to protect the Personally Identifiable Information that you transmit to us. Other communication on the website can be transmitted through the standard HTTP protocol and can be delivered using regular email. Information sent over HTTP is not encrypted. Regular mail, while convenient, also poses several risks (eg, email is not a secure form of communication, it is unreliable, it can be forwarded, and so on). We cannot guarantee the security of information sent through these means, nor can we guarantee that information that you provide to us through these means will not be intercepted while it is being transmitted to us.

Please do not send any confidential information (such as your social security number), confidential information or other protected information through these means without guarantee. If you are unable to use our portal to contact us, please call us at the phone number provided on our Contact Us Page instead.

To determine whether a page on our website is delivered using SSL, look for the applicable notice in your browser (for example, a "lock" icon) or check that the url for the page begins with "https."

4.2. Obligations

While we use commercially reasonable administrative, physical, and technical controls to protect Personally Identifiable Information, no security controls are perfect. Security is not a one-man job either. You must also take reasonable steps to protect your information, for example: Securing your computer and mobile device. Using antivirus software on your computer and mobile device.

Using a firewall on your computer. Changing the default passwords on your router, Wi-Fi device or other similar device for Internet or network connection. Using a secured Wi-Fi. For example, the Wi-Fi connection at your local coffee shop, shopping mall, or any public facility is generally not secure.

If you have any questions, please do not use it with the Services. Additional information on wireless network security can be found on the Federal Trade Commission website here. Using strong passwords. You can find additional information on creating strong passwords on the Electronic Frontier Foundation website here. To learn more about ways to secure your information online, visit the Federal Trade Commission website for additional security tips.

If you have reason to believe that your interaction with us has been compromised, please notify us immediately of the problem by contacting us through the means on our Contact Us Page.

5. Third party links and services

This privacy policy addresses only the collection, use, and disclosure of information that we collect from you through our Services, through our interaction with you, or from interaction with our business partners about you. Our services, including this website, may contain links to other websites and third-party services. The inclusion of a link in our Services to a third-party website or service does not imply endorsement of the linked site or service by us, our affiliates, or third parties.

We have no control over third party websites or their privacy practices. For example, we may include a link to connect with us on Facebook or follow us on Twitter; Each of these companies have their own privacy policies and practices, and they may not be required to comply with federal laws to protect the privacy and security of your Personally Identifiable Information.

To understand how these entities use information they receive from you or collect about you, please read their privacy policies or statements. We are not responsible for the collection, use, and disclosure policies and practices of other organizations, such as your Internet provider or wireless service provider.

6. Choices, access, correction and retention of data

We strive to give you control of how you use our services and how we engage with you. You have certain rights when you use our services:

Right to modify, correct, substitute or delete personally identifiable information: You may request from us to modify, correct, substitute or delete Personally Identifiable Information that we maintain or store about you if you believe that it is not accurate, timely, complete. , relevant or necessary to carry out our services. To do so, please contact us using one of the Contact Us listed on our contact page and let us know what you need. We may require you to submit your request in writing, provide evidence of your legal or personal authority to access, receive notification of or request amendment, correction, replacement or cancellation of Personally Identifiable Information and provide a copy of the legally permissible identification (for example, your driver's license or school ID card). We may not be able to allow or grant your request because, for example, the requested information is not available, cannot be modified or deleted using commercially reasonable means, or because we did not originate the information. To the extent permitted under applicable law, we may charge you to make the requested changes before making any changes. If we deny your request, we will provide you with an explanation for this denial and your appeal options, if any. We will respond to your request within no more than 10 business days of receipt. they cannot be modified or deleted using commercially reasonable means or because we did not originate the information. To the extent permitted under applicable law, we may charge you to make the requested changes before making any changes. If we deny your request, we will provide you with an explanation for this denial and your appeal options, if any. We will respond to your request within no more than 10 business days of receipt. they cannot be modified or deleted using commercially reasonable means or because we did not originate the information. To the extent permitted under applicable law, we may charge you to make the requested changes before making any changes. If we deny your request, we will provide you with an explanation for this denial and your appeal options, if any. We will respond to your request within no more than 10 business days of receipt.

Right to Obtain a List of Disclosures: You may submit a request in writing to obtain a list of our disclosures of your Personally Identifiable Information to third parties. We are not required, however, to inform you of disclosures we made to the following: (1) our workers (which includes, for example, our employees, agents, contractors, subcontractors, and representatives who use Personally Identifiable Information in the performance of their functions), (2) that are necessary to carry out our services, (3) more than 10 years prior to your request, (4) for which the record of Personally Identifiable Information no longer exists. To the extent permitted under applicable law, we may charge you to produce an accounting of disclosures.

Right not to provide information: You can choose not to provide us with any information, or not to answer certain questions. However, if you wish to access certain content, ask us a question, request products or services, or to take advantage of certain features of our Services, you may be required to provide certain information, such as your zip code, number of dependents, and other information such as it is indicated in the corresponding form.

Right to object to new uses or disclosures of your Personally Identifiable Information: If at any time we wish to disclose or use your personally identifiable information in a manner, or purpose other than as described in this privacy policy or other agreement or authorization between us, or as permitted by applicable law, we will ask for your authorization.

Right to revoke your authorization: If you have given us an authorization to use or disclose your Personally Identifiable Information in a specific way, you have the right to revoke said authorization at any time, by contacting us through one of the means set out on our page. . Your revocation will not affect any information that we have already used or disclosed. If you revoke your authorization, we may no longer be able to deliver the services to you.

Right to Request Restrictions on the Use or Disclosure of Personally Identifiable Information: You have the right to request restrictions on how we may use or disclose your personally identifiable information, limiting use only to provide assistance in applying for a qualified health plan or to fulfill our obligations specified in the corresponding agreement. If you restrict how we can use your Personally Identifiable Information, we will not be able to deliver with all services. To do so, please contact us through one of the means of contact listed on our contact page (Contact Us) and let us know what you need. We may require that you put your request in writing and provide verification of your identity and authority.

Right to block cookies: You can choose to block cookies through the applicable technical means available in your browser. If you refuse to accept cookies from our services, you cannot access certain parts of the website or use certain features.

Right to block marketing communications: To the extent not prohibited by applicable law, we may use your Personally Identifiable Information for marketing purposes such as providing you with the newsletters you subscribed to or to inform you of changes and additions. to our services. You can opt out of receiving these marketing messages by selecting the appropriate opt-out option included in the message. We may, from time to time, send you electronic notifications regarding security, privacy and other administrative matters related to the use of the Services. Because this information is important to your interaction with us, you cannot opt out of receiving administrative messages. The information that you provide to us through the services may be updated. To change your information, please contact us through one of the means listed on our page (Contact Us). We will retain your information for as long as is necessary to provide you with its Services, comply with our legal obligations, resolve disputes, and enforce our agreements.

7. Use of services by minors

We do not knowingly collect Personally Identifiable Information from individuals under the age of 13 and the services are not directed to individuals under the age of 13. We request that these people not use the services.

8. International visitors

The Services are controlled and operated from the United States and are not intended to subject us to the laws or jurisdiction of any state, country, or territory other than the United States. If any material on the services is contrary to the laws of the place where you are when you access them, then we ask that you not use the Services. You are responsible for learning about and complying with the laws in your jurisdiction. By using the Services, you consent to the transfer of information to the United States, which may have different and less restrictive data protection rules than in your country.

9. Updates to this privacy policy

We may change this privacy policy from time to time. Please look at the “Last Modified” legend at the top of this page to see when this privacy policy was revised. Non-material changes to this privacy policy will take effect when we post the revised Privacy policy on the Services. When we change this privacy policy in a material way, either (1) by posting a notice on this website along with the updated Privacy policy, or (2) by sending an email to the email address we have from you with a link to the updated Privacy Policy. Your use of the Services following the non-material changes or after 10 days of any material changes means that you accept the revised Privacy Policy.

10. Performance, applicable law and JURISDICTION

We will use commercially reasonable efforts to comply with this privacy policy. The laws of the state of Florida, without regard to any conflict of laws principles, will govern the construction and interpretation of this privacy policy and the rights of the parties under this warranty. The parties hereby agree on behalf of themselves and any person who claims for or through them that the exclusive jurisdiction and venue for any action or proceeding arising out of or in relation to this Privacy Policy will be an appropriate state or federal court. located in Miami-Dade County, Florida and each party irrevocably waives, to the maximum extent permitted by applicable law, the defense of an inconvenient forum. We strive to provide you with excellent services.

11. Official version of this privacy policy

We can make this privacy policy available in multiple languages. In the event of a dispute between us regarding the interpretation or application of the terms of this privacy policy, the English version of this privacy policy will prevail. All actions related to this privacy policy will be conducted in the English language.

12. Severability and waiver

Our inability to exercise or enforce any right or provision of this Privacy Policy will not constitute a waiver of such right or provision. If any provision of this Privacy Policy is illegal, void or unenforceable, for any reason, the remaining provisions will remain in full force and effect to the extent under applicable law.

13. How to contact us and how to file a complaint

If you have other questions or concerns about this Privacy Policy, our privacy practices, or our use of your Personally Identifiable Information, please contact us using one of the means listed on our Page contact us using one of the media on our Contact Us page. If you have a complaint where you believe it is not being adequately resolved through customer service, you can file a complaint with our central office. You will not be penalized or denied your services for filing a complaint. To file a privacy complaint with us, contact the central office:

Attn: Privacy Officer EZ Rate Marketing, LLC 8205 NW 30th Terrace Doral, FL 33122