Privacy Policy

Zabella Insurance Agency Privacy Policy

Last Modified: July 18, 2024

1. Purpose and Scope

This Privacy Policy (“Policy”) outlines the privacy practices of Zabella Insurance Agency, its affiliates, and its subsidiary companies. It details the information we collect, use, and disclose to better serve you.

2. Information We Collect

We may collect the following types of information:

1. Personal Information: Including names, residential and mailing addresses, phone number, email address, identity documents, and Social Security numbers.

2. Personal Health Information (PHI): Including medical history, treatment records, and insurance information.

3. Technical and Usage Information: Such as device data and interactions with our website.

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4. Other information: Social media profiles, LinkedIn URLs, custom profiles and any other information about you that you may voluntarily provide or any information about you that may be publicly available.

3. How We Collect Data

1. We collect your personal information when you actively provide it to us through your interactions with us.

2. We may automatically collect personal information from you as you use our Apps and Services, as a user or a participant, including recording communications, when enabled, or when you visit our Websites.

3. We may receive personal information about you from a business or commercial partner or another user of our Apps and Services.

4. We may infer or derive personal information based on other information we collect, such as with Service features that provide
conversational intelligence.

4. How We Use Information

1. To Provide Services: We use information to offer, administer, and provide insurance services. We do not pass any individual's consent to receive SMS from Zabella Insurance Agency to any third party. We do not share phone numbers with third parties for the purpose of allowing those third parties to send SMS.

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2. Regulatory Compliance: To meet our obligations under HIPAA and
other applicable laws.

3. Improvement and Analytics: To improve our services and analyze user
interactions.

4. Marketplace Application: To help you enroll in a Marketplace Qualified Health Plan (QHP). We are authorized to collect personally identifiable information (PII) from you by the Center for Medicare & Medicaid Services (CMS).

5. To Communicate with you: Verify your identity to prevent fraud in compliance with applicable law.

5. How We Share Information

Your information may be shared with:

1. Affiliates: Within the HFI group to provide seamless services.

2. Regulators and Law Enforcement: As required by law.

3. Health Providers: To facilitate care and treatment.

4. Healthcare.Gov: To help you enroll in a Marketplace Qualified Health Plan (QHP). Any PII we collect is used to help you enroll in a Marketplace Qualified Health Plan (QHP) (and other related products you select, if applicable). If you choose to give us PII, this information will only be shared with CMS and the insurer at the time of enrollment. CMS will maintain this information in the federal System of Records.

PII is used or disclosed only under the following circumstances:

1) to Zabella – TCR-RC Rejection Issues & Recommendations compare insurance plans based on costs, benefits, and other important
features;

2) to determine eligibility for health coverage and costsharing reductions through healthcare.gov or an EDE enrollment portal;

3) to choose a plan; and

4) to enroll in coverage.

Providing your PII is voluntary. If you choose not to provide us with the PII requested, or not to respond to certain required HealthCare.gov questions, we will not be able to help you enroll in a QHP through the Marketplace.

5. Third-Party Service Providers: Who perform services on our behalf and
are also HIPAA compliant.

6. Security Measures

We use robust cybersecurity measures to protect your data and are committed to complying with HIPAA regulations concerning the protection and confidential handling of PHI.

7. Data Retention

We will retain your information as long as necessary for the purposes outlined in this Policy and to comply with legal obligations, including HIPAA.

8. Changes to This Policy

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We may periodically update this Policy to reflect changes in our practices. We will notify you of any significant changes. If we make changes to our Notice, we will post those changes on this page in addition to updating the Last Updated" or effective date at the top of this webpage. If we make material changes, we will notify you either by emailing you or by posting a notice of such changes prominently on this page prior to such material changes taking effect.

9. Your Rights and Choices

1. Access: You have the right to access your PHI and PII data.

2. Correction: You may request the correction of any inaccuracies in your data.

3. Deletion: Under certain circumstances, you may request deletion of your data.

10. Contact Information

For any questions, concerns, or to exercise your privacy rights, please
contact us at (954) 305-9981 or Toll Free at 1 800-605-5102.