Privacy Policy

Effective Date: 10/14/2025

1. Introduction

At Benefits Unlimited, Inc., your privacy is important to us. We are committed to protecting your personal information and ensuring it is handled securely and responsibly. This Privacy Policy explains how we collect, use, and safeguard the information you provide when enrolling in Marketplace (ACA), Medicare, or individual supplemental insurance products.

2. Information We Collect

To assist with your insurance needs, we may collect the following types of information:

• Personal identifiers: Name, address, phone number, email, date of birth, Social Security number
• Insurance details: Policy numbers, plan selections, and coverage preferences
• Health-related information: Medical conditions, medications, and provider details (only when necessary for enrollment or eligibility)
• Financial information: Household income, payment details, and subsidy eligibility data
• Communication records: Notes, emails, and call information related to your inquiries or enrollments

3. How We Use Your Information

• Compare and enroll you in suitable insurance plans
• Determine eligibility for Marketplace subsidies or Medicare benefits
• Maintain and service your policies
• Provide renewal notifications and important updates
• Ensure compliance with federal and state regulations
• Improve customer service and internal processes

We do not sell or rent your personal information.

4. How We Share Your Information

We may share your data only as needed to complete your insurance transactions or as required by law. Examples include:

• Insurance carriers and plan administrators for application processing
• HealthCare.gov or CMS for Marketplace and Medicare enrollment
• Service providers assisting with secure communications, data management, or compliance (bound by confidentiality agreements)
• Regulatory or legal authorities when required for compliance or fraud prevention

5. Data Security

We employ administrative, technical, and physical safeguards to protect your personal information, such as:

• Encrypted storage and transmission systems
• Secure agent authentication and access control
• Routine staff training and audits

While we maintain strong protections, no online or offline system can be guaranteed 100% secure.

6. Your Rights

You may:

• Request access to your personal data
• Ask to correct or update inaccurate information
• Withdraw consent for certain communications
• Request deletion of your data, when legally allowed
• File a privacy complaint if you believe your rights have been violated

To exercise these rights, contact us using the details below.

7. Data Retention

We retain personal information as long as necessary to fulfill enrollment, servicing, or regulatory purposes, typically for recordkeeping and compliance under federal insurance guidelines.

8. Cookies and Website Analytics

Our website may use cookies and analytics tools to improve performance and user experience. This information is anonymous and not linked to individual users. You may disable cookies in your browser at any time.

9. Third-Party Links

Our site may include links to external resources such as insurance carriers or government websites. Benefits Unlimited, Inc. is not responsible for the privacy practices or content of these third-party sites.

10. Policy Updates

We may periodically update this Privacy Policy. Updates will be posted on our website with a revised effective date.

11. Contact Us