privacy

Privacy Policy

Our Commitment to Your Privacy

Focused Health Access LLC respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, request information, complete a form, schedule a consultation, apply for coverage, or communicate with us.

By using our website or submitting information to us, you agree to the practices described in this Privacy Policy.

Information we may collect?

We may collect information that you voluntarily provide to us, including:

Name
Address
Email address
Phone number
Date of birth
Household information
Employment or self-employment status
Income range or eligibility-related information
Health coverage needs
Current insurance status
Preferred doctors, hospitals, or prescriptions
Information needed to quote, compare, apply for, or service insurance or health benefit options
Any other information you choose to provide

We may also collect certain website usage information automatically, such as:

IP address
Browser type
Device information
Pages visited
Time spent on our website
Referral source
Cookies or similar tracking data

How do we receive and share information about you?

We receive your Personal Information from various sources:

When you voluntarily provide us your personal details in order to register on our Site;
When you use or access our Site in connection with your use of our services;

We may share your information only as reasonably necessary to provide services or comply with applicable requirements. This may include sharing information with:

Insurance carriers
Health benefit program administrators
Enrollment platforms
Licensed agents, brokers, or support staff assisting with your request
Government Marketplace systems, when applicable
Service providers that help us operate our website, scheduling, email, CRM, or business systems
Compliance, legal, or regulatory authorities when required
Other parties with your consent or as permitted by law

We do not sell your personal information to third parties.

Text Messages, Calls, and Email Communications

By submitting your phone number, email address, or contact request, you authorize Focused Health Access LLC to contact you regarding health coverage options, your inquiry, application support, appointment scheduling, or related services.

Communications may occur by phone, email, text message, voicemail, or other electronic methods. Message and data rates may apply. You may opt out of marketing text messages by replying STOP or by contacting us directly.

Please note that email and text messages may not always be secure. Avoid sending sensitive personal or health information by unsecured email or text unless you understand and accept the risk.

How We Use Your Information

We may use your information to:

Respond to your inquiries
Schedule consultations
Review your coverage needs
Provide quotes or plan comparisons
Help determine potential eligibility for available health coverage options
Assist with enrollment or application support
Provide customer service
Communicate with you about your coverage or requested services
Send reminders, updates, or relevant information
Maintain business records
Comply with legal, regulatory, carrier, Marketplace, or contractual obligations
Protect against fraud, unauthorized access, or misuse of our services

Retention

We will retain your personal information for as long as necessary to provide our services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. Retention periods will be determined taking into account the type of information that is collected and the purpose for which it is collected, bearing in mind the requirements applicable to the situation and the need to destroy outdated, unused information at the earliest reasonable time. Under applicable regulations, we will keep records containing client personal data, account opening documents, communications and anything else as required by applicable laws and regulations.

We may rectify, replenish or remove incomplete or inaccurate information, at any time and at our own discretion.

Cookies and Website Tracking

We and our trusted partners use cookies and other technologies in our related services, including when you visit our Site or access our services.

A "cookie" is a small piece of information that a website assign to your device while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, enable automatic activation of certain features, remembering your preferences and making the interaction between you and our Services quicker and easier. Cookies are also used to help ensure that the advertisements you see are relevant to you and your interests and to compile statistical data on your use of our Services.

The Site uses the following types of cookies:

a. 'session cookies' which are stored only temporarily during a browsing session in order to allow normal use of the system and are deleted from your device when the browser is closed;

b. 'persistent cookies ' which are read only by the Site, saved on your computer for a fixed period and are not deleted when the browser is closed. Such cookies are used where we need to know who you are for repeat visits, for example to allow us to store your preferences for the next sign-in;

c. 'third party cookies' which are set by other online services who run content on the page you are viewing, for example by third party analytics companies who monitor and analyze our web access.

Cookies do not contain any information that personally identifies you, but Personal Information that we store about you may be linked, by us, to the information stored in and obtained from cookies. You may remove the cookies by following the instructions of your device preferences; however, if you choose to disable cookies, some features of our Site may not operate properly and your online experience may be limited.

We also use a tool called “Google Analytics” to collect information about your use of the Site. Google Analytics collects information such as how often users access the Site, what pages they visit when they do so, etc. We use the information we get from Google Analytics only to improve our Site and services. Google Analytics collects the IP address assigned to you on the date you visit sites, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to this Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy.

How do we safeguard your information?

Our policy only addresses the use and disclosure of information we collect from you. To the extent you disclose your information to other parties or sites throughout the internet, different rules may apply to their use or disclosure of the information you disclose to them. Accordingly, we encourage you to read the terms and conditions and privacy policy of each third party that you choose to disclose information to.

This Privacy Policy does not apply to the practices of companies that we do not own or control, or to individuals whom we do not employ or manage, including any of the third parties which we may disclose information as set forth in this Privacy Policy.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction. The FTC recommends that businesses protect personal information by building reasonable security practices into their operations.

However, no website, email system, electronic transmission, or storage system is completely secure. We cannot guarantee absolute security of information transmitted to or from our website.

Data Retention

We retain personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining business records, complying with legal or regulatory obligations, resolving disputes, preventing fraud, and enforcing agreements.

Your Choices and Rights

You may contact us to:

Request access to certain personal information we maintain about you
Request corrections to inaccurate information
Ask us to delete information, subject to legal or regulatory retention requirements
Opt out of certain marketing communications
Update your communication preferences

To make a request, contact us at:

Email: hello@focusedhealthaccess.com

Phone: 610-306-5353

Depending on your state of residence, you may have additional privacy rights under applicable state law.

Marketing

We may use your Personal Information, such as your name, email address, telephone number, etc. ourselves or by using our third party subcontractors for the purpose of providing you with promotional materials, concerning our services, which we believe may interest you.

Out of respect to your right to privacy we provide you within such marketing materials with means to decline receiving further marketing offers from us. If you unsubscribe we will remove your email address or telephone number from our marketing distribution lists.

Please note that even if you have unsubscribed from receiving marketing emails from us, we may send you other types of important e-mail communications without offering you the opportunity to opt out of receiving them. These may include customer service announcements or administrative notices.

Third-Party Websites and Marketplace, Carrier, and Program Rules

Our website may contain links to third-party websites, enrollment platforms, carrier websites, scheduling tools, or other external services. We are not responsible for the privacy practices, security, or content of those third-party websites. We encourage you to review their privacy policies before submitting information.

When assisting with Marketplace, carrier, or private health benefit program options, we may be required to follow additional privacy, security, consent, documentation, and compliance rules. CMS states that Marketplace-registered agents and brokers must follow privacy and security requirements related to consumer personally identifiable information.

Minors

We understand the importance of protecting children’s privacy, especially in an online environment. The Site is not designed for or directed at children. Under no circumstances shall we allow use of our services by minors without prior consent or authorization by a parent or legal guardian. We do not knowingly collect Personal Information from minors. If a parent or guardian becomes aware that his or her child has provided us with Personal Information without their consent, he or she should contact us at hello@focusedhealthaccess.com.

Updates or amendments to this Privacy Policy

We reserve the right to periodically amend or revise the Privacy Policy; material changes will be effective immediately upon the display of the revised Privacy policy. The last revision will be reflected in the "Last modified" section. Your continued use of the Platform, following the notification of such amendments on our website, constitutes your acknowledgment and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.

How to contact us

For questions about this Privacy Policy or how your information is handled, please contact:

Focused Health Access LLC

Cheryl Lagunilla