Privacy Policy
Marketplace Service Agency LLC is a privately owned and operated business staffed by licensed marketplace insurance agents. It is not associated with, endorsed by, or authorized by the Centers for Medicare & Medicaid Services (CMS), the federal government, or the Federal Health Insurance Marketplace (HealthCare.gov).Who We Are & How to Contact UsFor the purposes of data protection law, Marketplace Service Agency LLC ("we," "us," or "our") is the data controller responsible for your personal data.
We are a licensed health insurance agency that helps individuals and families compare, enroll in, and manage health insurance coverage, including plans available through the Health Insurance Marketplace.
You may contact us at:Marketplace Service Agency LLC 85 N. Main St, Ste 302 Mount Clemens, MI 48043 Phone: (586) 935-7542 Email: Mat@mihealthquotes.com
What Personal Data Do We Collect?
When you contact us, request a quote, complete a form on our website, email us, or speak with us over the phone, we may ask you to provide information such as your name, email address, phone number, date of birth, household and income information, and other details required to provide you with an accurate quote and to facilitate your enrollment.In line with our minimal data collection approach, we only request the specific information required by law or by insurance carriers to provide you with an accurate quote and complete your enrollment. We do not engage in broad-scale data harvesting.
How Long Do We Keep Personal Data?
We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the data and whether we can achieve those purposes through other means, and applicable legal requirements.
At any time, you may contact us to request that we delete all of your personal data.
Do You Have to Provide Personal Data to Us?
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you do not provide that data when requested, we may not be able to perform the services you have requested (for example, providing you with a quote or completing an enrollment). In that case, we may be unable to provide a product or service, and we will notify you if this is so.
When Do We Collect Information?
We collect information (including personal data) from you when you fill out a form on our website, enter information on our website, communicate with us over the phone, email us, or otherwise enter into a transaction with us.
How We Use Your Data
We use your data to:
-Provide personalized Marketplace and health insurance guidance.
-Complete transactions and enrollments as requested by you.
-Communicate with you about your coverage options and applications.
Information collected via phone is handled by live, licensed agents. All data you provide is reviewed by licensed human professionals.
Protected Health Information (PHI) & HIPAA
As a provider of health insurance services, we handle sensitive health information in strict accordance with HIPAA (the Health Insurance Portability and Accountability Act) standards to ensure that your medical and personal data remain private and secure.
What Is Our Legal Basis for Processing?
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
-Where you have provided consent for us to use your personal data.
-Where we need to perform a contract we are about to enter into or have entered into with you.
-Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
-Where we need to comply with a legal or regulatory obligation.
How Can You Control Our Use of Your Personal Data?
You may decline to provide us with personal data and/or decline to enter into transactions with us. You may also contact us at any time to request that we: access your personal data, correct your personal data, erase your personal data, or opt out of future communications from us. You may contact us by email or written letter at:
Email: Mat@mihealthquotes.com OR Marketplace Service Agency LLC 85 N. Main St, Ste 302 Mount Clemens, MI 48043
You also have the right to lodge a complaint with a data protection supervisory authority, the identity of which may depend on your location.
How Do We Protect and Store Personal Data?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit as safe as possible. We use regular malware scanning. Your personal data is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the personal data confidential. In addition, sensitive information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their personal data. All payment transactions, if any, are processed through a gateway provider and are not stored or processed on our servers.
Unfortunately, the transmission of information over the internet is not completely secure. We will do our best to protect your personal data, but we cannot guarantee its security, and any transmission is at your own risk. Once we have received your personal data, we will use strict procedures and security features to prevent unauthorized access.
Do We Use Cookies?
We use cookies and similar technologies to distinguish you from other users of our website, which helps us provide you with a good experience and improve our services. We also use cookies and similar technologies to measure the effectiveness of our advertising, including ads for us on other websites.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies through your browser settings. Each browser is a little different, so review your browser's Help menu to learn the correct way to modify your cookies. If you disable cookies, some features that make your site experience more efficient may not function properly.
Third-Party Disclosure
We may share your personal data with third parties in the following situations:
With our business partners, insurance carriers, suppliers, and subcontractors who provide services to us or where necessary to perform a service you have requested (for example, to submit your application to an insurance carrier).
With analytics and search engine providers to help us improve and optimize our services. We generally only share this information in a form that does not directly identify you.
With our professional advisors (such as lawyers, accountants, and financial advisors) where needed for our own professional advice.
With law enforcement or regulatory authorities if required under law.
Third-Party Links
We do not include or offer third-party products or services on our website.
Google's advertising requirements can be summed up by Google's Advertising Principles, which are put in place to provide a positive experience for users. See: https://support.google.com/adspolicy/answer/6008942
California Online Privacy Protection Act (CalOPPA)
CalOPPA requires commercial websites and online services to post a privacy policy. According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
A link to this privacy policy is included on our home page or, at a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word "Privacy" and can be easily found on the page specified above.
Users will be notified of any privacy policy changes on this Privacy Policy page.
Users are able to change their personal information by emailing us.
How Does Our Site Handle Do Not Track Signals?
We comply with standard industry signals. We use cookies to improve your experience and to measure the effectiveness of our outreach and advertising.
Does Our Site Allow Third-Party Behavioral Tracking?
We do not allow third-party behavioral tracking.
COPPA (Children's Online Privacy Protection Act)
We do not specifically market to children under 13 and do not knowingly collect personal information from children under 13.
Fair Information Practices
Should a data breach occur, we will notify affected users via email within one business day. We also agree to the Individual Redress Principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law, including recourse to courts or government agencies.
CAN-SPAM Act
We collect your email address in order to send information, respond to inquiries and requests, and market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
To be in accordance with CAN-SPAM, we agree to the following:
Not use false or misleading subjects or email addresses.
Identify the message as an advertisement in a reasonable way where required.
Include the physical address of our business.
Monitor any third-party email marketing services for compliance.
Honor opt-out/unsubscribe requests promptly.
Allow users to unsubscribe using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, follow the instructions at the bottom of each email or email us at Mat@mihealthquotes.com, and we will promptly remove you from all correspondence.
Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below:
Marketplace Service Agency LLC 85 N. Main St, Ste 302 Mount Clemens, MI 48043 Phone: (586) 935-7542 Email: Mat@mihealthquotes.com
Marketplace Service Agency LLC is a licensed health insurance agency (Firm NPN 22262064). Our licensed agents are authorized to enroll individuals and families in health insurance plans, including plans available through the Health Insurance Marketplace.This business is not maintained by or affiliated with HealthCare.gov. Marketplace Service Agency LLC and its agents are not affiliated with, endorsed by, or connected to the U.S. government, the Department of Health and Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), or the Federal Health Insurance Marketplace (HealthCare.gov).By submitting your information, you provide express written consent for a licensed insurance agent to contact you regarding health insurance options via phone, SMS, and/or email. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your specific geographic region. For a comprehensive list of all available options, please contact HealthCare.gov or call 1-800-318-2596. This is a solicitation for insurance.