Privacy Policy

Privacy Notice Pertaining to Personally Identifiable Information

This Privacy Notice (“Notice”) explains how Hafetz and Associates, (also referred to herein as “we” or “us”) may collect, use and disclose certain personally identifiable information (“PII”) in the course of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in qualified health plans (“QHPs”) through the Federally Facilitated Marketplace (“FFM” or “Marketplace”) or direct through the carrier, and/or applying for federal subsidies.

PII includes any information that can be used to distinguish or trace your identity, either alone or in combination with other personal or identifying information that is linked or linkable to you.  Examples of PII include your name, address, phone number, Social Security Number, date and place of birth, and mother’s maiden name.

We will take reasonable steps to ensure that any of your PII in our possession is complete, accurate, and up to date – to the extent necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies – and has not been altered or destroyed in an unauthorized manner. We have implemented operational, administrative, technical, and physical safeguards and procedures, including privacy and security training programs for members of our workforce, to protect your PII and ensure its confidentiality, integrity, and availability, and prevent unauthorized or inappropriate access, use, or disclosure.

Purpose of Collection of PII

The purpose of our collection of PII is to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

To Whom and for What Purpose PII May be Disclosed

We may disclose your PII to the Marketplace (or employees, agents or sub‐contractors thereof), certain federal or state agencies, a health insurance issuer offering a QHP that you have selected (or such issuer’s employees, agents, or subcontractors), or any individual who is duly and legally authorized to act on your behalf in connection with your PII. This includes any individuals acting under an appropriate power of attorney or appointment that complies with applicable state and federal law. Your PII may be disclosed to the extent necessary for us to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

Authorized Uses and Disclosures of Collected PII

We may use and disclose PII if and to the extent reasonably necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies. We will obtain your informed consent, which you may revoke at any time, for any other uses or disclosures of PII.

Whether Request to Collect PII is Voluntary or Mandatory under Applicable Law

Our request to collect your PII, for purposes of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies, is voluntary.

Effects of Nondisclosure of PII

If you choose not to provide the requested PII to us, then we may be unable to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

Your Choices and Rights

UNDER CERTAIN CIRCUMSTANCES AND IN ACCORDANCE WITH APPLICABLE LAWS, RULES AND REGULATIONS:

  • Withdrawing Your Consent: You may withdraw any consent that you have provided to us to process your information at any time.
  • Accessing your Information: You may have rights to access the personal information we process about you.
  • Deleting your Information: You may request we delete personal information we hold about you.

We will assess your request(s) and determine, under applicable law, whether or not we are required to comply with your request.

Retention Period

We will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law.

Links to Other Sites – DISCLAIMER

This site provides links to other websites as a convenience to our users.  When you use one of these links, you are no longer on this site, and this Privacy Notice does not apply. When you link to another website, you are subject to the privacy notice of that site.  Any visitor who proceeds to those external sites and relies on any information obtained from them does so at his or her own risk and assumes any and all liability from damages which may result from accessing a third-party site linked to the Hafetz and Associates website.

Please contact us at 609-872-0001 if you have any questions or concerns regarding this Privacy Notice, or our collection, use, and disclosure of PII in general.