Privacy Policy

---

SMS Consent Communication

The phone numbers collected as part of the SMS consent process will not be shared with third parties for marketing purposes.

1. Information We Collect

Affordable Care Agency LLC collects the following types of information when you use our Services: 

• Personal Information: Name, phone number, email address, date of birth, and other details you provide when signing up for health insurance or contacting us via our Website or 800 number. 

• Application Information: Details related to your health insurance application, such as income or household information, as required by insurance providers.

2. How We Use Your Information

Affordable Care Agency LLC uses your information to: 

• Process and manage your health insurance application. 

• Send you text message updates about your application status (if you opt into our SMS program). 

• Contact you periodically with promotions, plan information, or renewal reminders via SMS, email, or phone (based on your communication preferences). 

• Improve our Services and ensure their proper functioning. 

• Comply with legal obligations or resolve disputes.

3. How We Share Your Information

Affordable Care Agency LLC may share your information with: 

• Insurance Providers: To facilitate your health insurance enrollment. 

• Service Providers: Third parties who assist us in delivering our Services (e.g., SMS providers, hosting services), bound by confidentiality obligations. 

• Legal Authorities: If required by law or to protect our rights, safety, or property.

We do not sell your personal information to third parties for marketing purposes. 

4. Your Choices

• Text Messages: Opt into the SMS program during signup, and opt out at any time by replying “STOP” to any message. 

• Contact Preferences: You may request to stop receiving promotional emails or calls by contacting us at [insert contact info]. Note that we may still send you transactional messages (e.g., application updates).

5. Data Security

Affordable Care Agency LLC implements reasonable measures to protect your information from unauthorized access or disclosure. However, no system is completely secure, and we cannot guarantee absolute security. 

6. Data Retention

Affordable Care Agency LLC retains your personal information for as long as necessary to provide our Services, fulfill legal obligations, or resolve disputes—typically no longer than [insert time period, e.g., 7 years] after your last interaction with us, unless required by law. 

7. Children’s Privacy

Our Services are not intended for individuals under 18. Affordable Care Agency LLC does not knowingly collect personal information from children. 

8. Changes to This Agreement

Affordable Care Agency LLC may update this Agreement from time to time. The updated version will be posted on www.zeropremiumcare.com with a revised “Last Updated” date. Your continued use of our Services after changes signifies your acceptance of the updated terms. 

Contact Us

If you have questions about this Agreement or our Services, please contact us at:

Affordable Care Agency LLC

833-ACA-2792

Acaenrollments@aol.com

www.zeropremiumcare.com