Privacy Policy

1. Scope

This policy applies to information collected through this website, our contact forms, phone calls, WhatsApp, SMS, email and in-person consultations. We do not sell or rent your personal information.

2. Information We Collect

Depending on the services you request, we may collect the following categories of information:

• Identifiers: full name, date of birth, gender, marital status and, when required for an application, Social Security Number or other government identification numbers.
• Contact information: residential address, email address, phone numbers and emergency contact.
• Financial information: household income, household size, employment details and bank or payment information to process premiums.
• Health information (sensitive): medical history, family medical history, current medications, medical test results and healthcare provider details, when needed for an application or claim.
• Insurance information: prior and current coverage, policy numbers and claims history.
• Documents: identification documents, proof of residency or immigration status, and signed consents and authorizations.
• Technical and usage data: IP address, browser type, device information, pages visited and time on site, collected through cookies and analytics tools.
• Preferences: language, communication preferences and the products you are interested in.

3. How We Use Your Information

We use personal information only for the purposes for which it was collected, including:

• Preparing quotes, comparing plans and assessing your coverage needs;
• Processing applications, enrollment, renewals, policy changes and premium payments;
• Determining potential subsidy eligibility with the Health Insurance Marketplace;
• Assisting with claims and customer service;
• Communicating with you by phone, email, WhatsApp or SMS (with your consent);
• Verifying identity and preventing fraud;
• Complying with legal and regulatory obligations;
• Improving our website and services through aggregated analytics.

4. Health Information and HIPAA

When we receive protected health information (PHI) in connection with an application or policy, we treat it as highly confidential. We use and disclose PHI only as necessary to obtain or service your coverage, as permitted or required by HIPAA and other applicable laws, or with your written authorization. Where we act as a business associate of an insurance carrier, we follow the safeguards required by our business associate agreements.

Please do not submit detailed medical information through the website contact form. If medical information is needed, we will request it through a secure channel.

5. How We Share Information

We share personal information only as needed to provide our services:

• Insurance carriers, to obtain quotes, submit applications and service your policy;
• The Health Insurance Marketplace (HealthCare.gov or your state's exchange) for ACA enrollment and subsidy determination;
• Service providers that help us operate, under confidentiality obligations — for example Formspree (form delivery), Google reCAPTCHA (spam prevention), Google Analytics (website analytics) and WhatsApp/Meta (messaging);
• Government authorities, regulators or courts when required by law;
• A successor entity in the event of a merger or transfer of our agency, subject to this policy.

6. No Sale of Personal Information

We do not sell your personal information and we do not share it for cross-context behavioral advertising. We will not share your phone number or SMS consent with third parties for their marketing purposes.

7. Cookies and Analytics

This website uses cookies and similar technologies, including Google Analytics 4, to understand how visitors use the site, and Google reCAPTCHA to protect our forms from spam. You can block or delete cookies in your browser settings, and you can opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on. Your language preference is stored locally in your browser.

8. Data Security

We maintain reasonable administrative, technical and physical safeguards designed to protect your information, including encryption in transit, restricted access limited to authorized personnel who need it to perform their duties, and regularly updated security systems. No method of transmission over the Internet is 100% secure, but we continually review our practices to maintain appropriate standards.

9. Data Retention

We retain personal information only as long as necessary to provide services, maintain your policy records and comply with legal, regulatory and carrier record-keeping requirements. When no longer needed, information is securely deleted or de-identified.

10. Your Privacy Rights (CCPA/CPRA)

If you are a California resident — and in many cases residents of other states with comprehensive privacy laws — you have the following rights, subject to legal exceptions:

• Right to know what personal information we collect, use and disclose, and to receive a copy;
• Right to delete personal information we collected from you;
• Right to correct inaccurate personal information;
• Right to opt out of the sale or sharing of personal information (we do not sell or share it);
• Right to limit the use and disclosure of sensitive personal information;
• Right not to be discriminated against for exercising any of these rights.

11. How to Exercise Your Rights

To submit a privacy request, email sansonettioffice@gmail.com with the subject "Privacy Request" or message us on WhatsApp at +1 (956) 515-8701. We will verify your identity before fulfilling the request and respond within 45 days, as required by law. You may designate an authorized agent to make a request on your behalf with written permission. Note that some information may be exempt from deletion when it is covered by HIPAA, the Gramm-Leach-Bliley Act or insurance record-keeping laws.

12. SMS and Text Messaging

If you consent to receive text messages, we will use your number only to communicate about your inquiry, policy and our services. Reply "STOP" at any time to unsubscribe, or "HELP" for assistance. Message and data rates may apply and message frequency may vary. Consent is not a condition of purchase.

13. Children's Privacy

This website is not directed to children under 13 and we do not knowingly collect their personal information online. Information about minors is collected only from a parent or legal guardian for the purpose of family coverage.

14. Changes to This Policy

We may update this Privacy Policy from time to time. Changes take effect when posted on this page, as reflected by the "Last updated" date.

15. Contact for Privacy Requests

Sansonetti Insurance Group — Attn: Privacy · Email: sansonettioffice@gmail.com · WhatsApp: +1 (956) 515-8701.