Privacy Policy

AffordableMECPlans (“we,” “our,” “us”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your information when you visit our website or interact with our services.

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1. Business-to-Business Notice

Our services are intended for use by businesses located in California seeking affordable health insurance options for their employees. However, we may collect personally identifiable information (such as names, emails, and phone numbers) of individuals acting on behalf of a business, which is subject to privacy protections outlined below.

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2. Information We Collect

We may collect the following types of information:

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• Personal Information: Name, email address, phone number, job title, and any other contact information voluntarily provided through our forms.

• Business Information: Company name, address, industry type, and number of employees.

• Technical Information: IP address, browser type, device information, and site usage statistics through cookies or analytics tools.

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3. How We Use Your Information

We use the information collected to:

• Provide you with information about our insurance offerings.

• Respond to your inquiries and customer service requests.

• Send marketing communications, if you have opted in.

• Comply with legal obligations and maintain site security.

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4. Do Not Sell or Share My Personal Information

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Under the California Consumer Privacy Act (CCPA/CPRA), you have the right to opt out of the sale or sharing of your personal information. We do not sell or share personal information with third parties for monetary value.

You may request that we do not share your information for advertising or analytics purposes by contacting us at:
📧 Support@affordablemecplans.com
📞 (206) 203-4106

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5. Your Rights (California Residents)

If you are a California resident, you have the right to:

• Request access to the personal information we have collected about you.

• Request correction of any inaccurate information.

• Request deletion of your personal information.

• Opt out of the sale or sharing of your personal information.

• Limit the use of your sensitive personal information (if applicable).

To exercise your rights, email Support@affordablemecplans.com or call (206) 203-4106.

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6. How We Protect Your Information

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. This includes the use of SSL encryption, firewalls, and secure data storage protocols.

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7. Cookies and Tracking

We use cookies and similar technologies to improve website functionality and analyze site traffic. You can modify your browser settings to refuse cookies, but some features of our site may not work properly.

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8. Third-Party Services

We may use trusted third-party service providers (e.g., CRM, email marketing tools) to support our operations. These providers are contractually obligated to safeguard your data and not use it for unrelated purposes.

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9. Children's Privacy

Our website and services are not intended for children under the age of 13, and we do not knowingly collect information from them.

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10. Changes to This Privacy Policy

We may update this Privacy Policy occasionally. Any changes will be posted here with a revised effective date.

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11. Contact Us

If you have any questions or concerns about this Privacy Policy or your data, please contact us at:

📧 support@affordablemecplans.com
📞 (206) 203-4106
📍 Affordable MEC Plans, 44 Montgomery St, San Francisco California

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1. Consumer Privacy Rights (CCPA/CPRA)

Your Rights Under California Law

If you're a California resident, you have the right to:

• Know what personal information we collect and how we use it.

• Request access to and deletion of your data.

• Correct inaccurate personal information.

• Opt out of the sale or sharing of your personal data.

• Limit the use of your sensitive personal data, if applicable.

To submit a request, email Support@affordablemecplans.com or call (206) 203-4106.

We do not sell or share your personal information for profit. For more details, visit our full Privacy Policy on this same page.

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2. HIPAA Awareness Disclosure

While we are not a medical provider and do not directly store protected health information (PHI), we operate with sensitivity to HIPAA-compliant standards. If you are referred to third-party carriers, brokers, or benefit administrators, those parties may have separate HIPAA obligations.

We do not store or transmit PHI unless explicitly required and authorized in writing.

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3. California Insurance Code Disclosures (IIPPA)

We comply with the Insurance Information and Privacy Protection Act (IIPPA) by ensuring that:

• We only collect personal information necessary for processing health insurance inquiries.

• Any information you submit is kept confidential and is not shared without your consent.

• You may request to view, correct, or delete your information at any time.

For assistance, contact:
📧 support@affordablemecplans.com
📞 (206) 203-4106

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4. California Insurance License Information

AffordableMECPlans.com is operated by a licensed Insurance Producer:

Licensee Name: JohnThomas Jack
California Insurance License Number: 4459157
License Type: Insurance Producer
License Authority: Accident & Health or Sickness
Regulatory Body:
CALIFORNIA DEPARTMENT OF INSURANCE
Licensing Services Division
300 Capitol Mall, 16th Floor, Sacramento, CA 95814
📞 (800) 967-9331

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5. Accessibility Compliance (ADA)

We are committed to ensuring digital accessibility for people with disabilities. Our website strives to meet or exceed WCAG 2.1 AA standards.

If you encounter accessibility barriers, please contact:
📧 Support@affordablemecplans.com
📞 (206) 203-4106

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6. Terms and Conditions

By using this website, you agree to:

• Use the site only for lawful purposes.

• Not attempt to breach or disable our systems or misrepresent yourself.

• Understand that insurance plans and rates vary and are subject to underwriting and eligibility.

We do not guarantee coverage. All quotes are non-binding until confirmed by the underwriting insurer.

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7. Marketing and Advertising Disclosures (FTC Compliance)

• We may use testimonials from real customers. No compensation is provided unless otherwise stated.

• We do not make claims about coverage benefits unless supported by carrier documents.

• Any promotional offers are subject to terms and may change without notice.

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8. Security Measures

We take the protection of your data seriously:

• SSL encryption is active across the website.

• Your information is stored securely with limited administrative access.

• We do not store payment or PHI data on our servers.

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9. Contact Information

We’re here to support you.
Customer Service:
📧 support@affordablemecplans.com
📞 (206) 203-4106
📍 Mailing Address: 44 Montgomery St San Francisco, CA 94104

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10. No Guarantee of Coverage Disclaimer

Submission of your information on this website does not guarantee coverage or policy issuance. Eligibility, rates, and benefits are determined solely by the underwriting insurance carrier and are subject to change without notice.

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11. Multistate Services Disclaimer

AffordableMECPlans.com is operated by licensed insurance producers offering services in the states of California, Texas, Washington, and Oregon. Services are intended for residents and businesses located within these states. We do not currently serve clients located outside of this four-state region.

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12. Multistate Regulatory Reference

For regulatory concerns, please refer to the appropriate state insurance department:

• California Department of Insurance: https://www.insurance.ca.gov

• Texas Department of Insurance: https://www.tdi.texas.gov

• Washington Office of the Insurance Commissioner: https://www.insurance.wa.gov

• Oregon Division of Financial Regulation: https://dfr.oregon.gov

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13. Quote Accuracy Disclaimer

Quotes provided are estimates based on the information submitted and may vary upon underwriting. Final rates, benefits, and eligibility will be determined by the insurance carrier.

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14. Third-Party Carrier Disclaimer

AffordableMECPlans.com operates as an independent insurance producer. We partner with licensed carriers and TPAs but do not administer, process, or pay claims directly.

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15. Non-Federal Program Disclaimer 

This is not a government-sponsored health plan. Minimum Essential Coverage (MEC) plans fulfill the ACA’s individual mandate but may not include all the essential health benefits of traditional major medical insurance.

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16. Browser Tracking Technologies Disclosure 

We use cookies and similar technologies to enhance your experience and analyze traffic. By continuing to use this site, you agree to our use of cookies. See Cookie Policy below:

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16.5 Cookie Policy

Effective Date: [Insert Date]

This Cookie Policy explains how AffordableMECPlans.com (“we,” “us,” or “our”) uses cookies and similar technologies on our website. By continuing to use this site, you consent to the placement and use of cookies in accordance with this policy.

A. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or smartphone) when you visit certain web pages. They allow websites to recognize your device, remember preferences, and improve your user experience.

B. What Types of Cookies We Use

• Essential Cookies: These are necessary for the website to function properly and cannot be disabled. They include security, authentication, and session cookies.

• Performance & Analytics Cookies: These cookies collect information about how visitors use our website (e.g., which pages are most popular, bounce rates). This data helps us improve website functionality. We use tools like Google Analytics to perform this function.

• Functional Cookies: These remember your preferences (e.g., region or form data) to personalize your experience.

• Advertising & Tracking Cookies: These may be set by third-party platforms to deliver relevant ads to you across websites and track engagement. This includes platforms like Google, Meta (Facebook/Instagram), or LinkedIn if we are running targeted campaigns.

C. How You Can Control Cookies

You can manage your cookie preferences by adjusting the settings in your browser. Most web browsers allow you to:

• Delete existing cookies

• Block all cookies

• Allow only certain types of cookies

For instructions, visit:

• Google Chrome

• Firefox

• Safari

• Microsoft Edge

Note: Blocking cookies may limit some functionality of our website.

D. “Do Not Track” Signals

Our website currently does not respond to browser “Do Not Track” (DNT) signals, as there is no industry-standard compliance mechanism in place.

E. Changes to This Policy

We may update this Cookie Policy periodically. Updates will be posted on this page with the revised effective date.

F. Contact Us

If you have any questions about our use of cookies, please contact:

📧 support@affordablemecplans.com
📞 (206) 203-4106

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17. Alternate Format & Language Access Notice

If you need assistance accessing our information in another format — such as large print, braille, or Spanish — please contact us at (206) 203-4106 or email support@affordablemecplans.com and we will accommodate your request.

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