Privacy Policy

This Privacy Policy describes how The ACA Experts ("we," "us," or "our") collects, uses, and shares information from users ("you") of our website, https://.theacaexperts.com. We are committed to protecting your privacy and ensuring the security of your personal information. This policy applies to all information collected through our website, including information provided when you request information, apply for services, or sign up for SMS messages.

1. Information We Collect

We may collect the following types of information from you:

*Personal Information:** This includes your name, address, email address, phone number, date of birth, social security number, income information, and other information you provide to us through forms on our website or through other means of communication.

*Demographic Information:** This includes your age, gender, and other similar information.

*Financial Information:** This includes your bank account information, credit card information, and other financial information necessary to process payments for our services.

*Website Usage Information:** This includes your IP address, browser type, operating system, referring website, pages visited, and other similar information collected through cookies and other tracking technologies.

2. How We Use Your Information

We use your information for the following purposes:

* To provide you with information about our services.

* To process your applications for ACA coverage and other related services.

* To communicate with you about your application, services, and updates.

* To improve our website and services.

* To personalize your experience on our website.

* To comply with legal and regulatory requirements.

*To send you SMS messages if you have opted in to receive them (see SMS Messaging section below).**

* For other purposes that are disclosed to you at the time we collect your information.

3. How We Share Your Information

We may share your information with the following parties:

*Insurance Carriers and Government Agencies:** We may share your information with insurance carriers and government agencies as necessary to process your applications for ACA coverage and other related services.

*Service Providers:** We may share your information with third-party service providers who assist us with website hosting, data processing, email marketing, payment processing, and other services. We will ensure that these service providers are contractually obligated to protect your information.

*Legal Authorities:** We may disclose your information to legal authorities if required by law or legal process.

*Business Transfers:** In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring company.

4. Your Choices

You have the following choices regarding your information:

*Access and Correction:** You can access and correct your personal information by contacting us at [Insert Email Address Here].

*Opt-Out:** You can opt-out of receiving marketing emails from us by clicking the "unsubscribe" link in the email. You can opt-out of receiving SMS messages as described in the SMS Messaging section below.

*Cookies:** You can control the use of cookies through your browser settings.

5. Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. These measures include encryption, firewalls, and secure server environments. However, no method of transmission over the Internet or method of electronic storage is completely secure. Therefore, we cannot guarantee the absolute security of your information.

6. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at [Insert Email Address Here].

7. SMS Messaging

The ACA Experts uses SMS messaging to provide updates, reminders, and other important information related to your health insurance needs.

Best Practices for The ACA Experts Regarding SMS Messaging (required by FCC):

To ensure compliance with FCC regulations and best practices for SMS messaging, The ACA Experts adheres to the following guidelines:

*Detailed Opt-In Process:** We provide a clear and concise explanation of the opt-in process for end-users to ensure they understand how to subscribe to our SMS messaging service.

*Description of SMS Messaging:**

*Texting Cadence:**

*Types of Messages:** Subscribers to The ACA Experts SMS service can expect to receive messages regarding:

* Appointment Reminders

* Important Updates to Your Account

* Enrollment Deadlines

* Policy Change Notifications

* Promotional Messages about our services

*Message Frequency:** Subscribers can expect to receive approximately 2-4 messages per month, depending on the time of year and their individual circumstances. Message frequency may vary.

*Consent:** By providing your phone number and clicking the "Subscribe" button on our website, you are consenting to receive SMS messages from The ACA Experts.

*Opt-In and Opt-Out Instructions:** To opt-in, provide your phone number and click the "Subscribe" button. To opt-out at any time, simply reply to any SMS message with the word "STOP". You will receive a confirmation message that you have been unsubscribed.

*Message and Data Rate Notices:** Message and data rates may apply for each message sent or received, as provided in your mobile service rate plan. Please contact your mobile carrier for details.

*Privacy Policy Link:** This policy, including our SMS messaging practices, is available at [Insert Link to This Privacy Policy Here].

*Data Protection Disclaimer:** The ACA Experts maintains strict privacy policies, ensuring that personal information of our users and members is not sold, rented, released, or traded to other parties.

*Customer List:** We maintain a detailed list of customers who have opted in for text messages from our company.

*Call-to-Action (CTA) Disclosure:**

Our Call-to-Action (CTA) disclosure, displayed where you enter your phone number to opt-in for SMS messages, provides the following information:

"By providing your phone number, you agree to receive SMS (text) messages from The ACA Experts. Message and data rates may apply. Message frequency varies. Reply with HELP to receive more information. Reply with STOP to unsubscribe at any time. [Link to This Privacy Policy Here]"

Specifically, this CTA includes:

*Brand Name:** The ACA Experts

*Types of Messages:** Updates, reminders, and important information related to your health insurance needs.

*Message and Data Rate Notices:** "Message and data rates may apply."

*Frequency of Messages:** "Message frequency varies." (Estimated 2-4 messages per month.)

*HELP Information:** "Reply with HELP for help."

*STOP/Opt-Out Information:** "Reply with STOP to unsubscribe at any time."

*Opt-In Form/Link:** Opt-ins are collected through forms on our website. An example would be at the footer of our site on our email list and marketing alerts. (See sample code)

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*Forced Opt-Ins Prohibited:** We do not require users to provide their phone number to access any content or services on our website. Providing a phone number for SMS messaging is always optional.

*Separate Opt-ins:** If we use email or voice calls to communicate with you, a separate opt-in will be collected for receiving each of these types of communication. Your SMS opt-in only applies to text messages.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on our website and update the effective date accordingly. Your continued use of our website after the effective date of any changes constitutes your acceptance of the revised Privacy Policy.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at: [email protected]