Privacy Policy

United Liberty Insurance Agency LLC ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website www.unitedlibertyhealth.com and www.unitedlibertyinsuranceagency.com, use our services, or interact with us through any communication channel including phone, email, SMS, or in person.

By using our website or submitting your information through any of our forms, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information that you voluntarily provide to us and information that is automatically collected when you use our website.

1.1 Personal Information You Provide

When you request a quote, fill out a form, contact us, or use our services, we may collect:

• Full name, date of birth, and gender
• Home address, mailing address, and residential history
• Phone number(s) and email address
• Social Security Number (when required for enrollment)
• Household size, income, and employment information
• Health information including medical history, medications, doctors, and medical equipment
• Immigration or citizenship documentation status
• Current and prior insurance coverage details
• Banking and payment information (for ACH and premium payments)
• Electronic signatures, IP addresses, and consent records

1.2 Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Device type and screen resolution
• Pages visited, time spent on pages, and referring URLs
• Cookies, pixel tags, and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• Insurance Services: To provide health insurance quotes, compare plans, process enrollments, and manage your coverage through the Health Insurance Marketplace and private carriers
• Communication: To contact you by phone, email, and/or SMS regarding your quote request, enrollment status, plan updates, renewal information, and customer service matters
• Internal Marketing: To follow up with prospective clients, send reminders about open enrollment periods, and inform you of plan options that may benefit you
• Compliance: To maintain records required by the Centers for Medicare & Medicaid Services (CMS), state insurance departments, and applicable federal and state laws
• Service Improvement: To improve our website functionality, customer service, and overall user experience
• Verification: To verify identity, eligibility, and documentation for marketplace enrollment and plan administration

3. Health Information

Health-related information you provide through our Health Questionnaire and intake forms, including details about your doctors, medications, medical equipment, and medical history, is collected solely to ensure we match you with the most appropriate health coverage for your unique needs. This information is:

• Never sold to third parties
• Never shared for purposes unrelated to your insurance services
• Used exclusively by our licensed agents to evaluate plan options and coverage suitability
• Stored securely and accessible only to authorized personnel
• Retained only as long as necessary to service your insurance needs and meet legal requirements

4. How We Share Your Information

We do not sell your personal information to third parties for their own marketing purposes. We may share your information in the following limited circumstances:

• Insurance Carriers: With licensed insurance carriers and the Health Insurance Marketplace (Healthcare.gov) to process your enrollment, obtain quotes, and administer your coverage
• Service Providers: With trusted service providers who assist us in operating our website, conducting our business, or servicing you (e.g., email delivery, secure document storage), provided they agree to keep your information confidential
• Legal Requirements: When required by law, regulation, or legal process, or to protect our rights, property, or safety, or the rights, property, or safety of others
• With Your Consent: When you have given us explicit permission to share your information for a specific purpose

5. Communication Consent

By submitting your information through any of our forms, you expressly consent to receive communications from United Liberty Insurance Agency via:

• Phone calls to the number you provided, including for marketing and informational purposes
• SMS/text messages to the mobile number you provided
• Email messages to the email address you provided

Message and data rates may apply for SMS communications. Message frequency varies based on your interactions and the services requested.

6. Opt-Out Rights

You may opt out of communications at any time by:

• SMS: Replying "STOP" to any text message
• Email: Clicking the unsubscribe link in any email
• Phone: Requesting removal during any phone call
• Direct Contact: Emailing us at info@unitedlibertyinsuranceagency.com or calling (888) 880-4335

Please note that opting out of marketing communications will not affect transactional communications related to your active insurance enrollment or account.

7. Cookies and Tracking Technologies

Our website uses the following tracking technologies:

• Google Analytics: To analyze website traffic and user behavior for service improvement
• Meta (Facebook) Pixel: To measure advertising effectiveness and deliver relevant marketing content
• Essential Cookies: To enable core website functionality and security features

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

8. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include but are not limited to:

• Encrypted data transmission (SSL/TLS) for all form submissions
• Secure storage of sensitive documents and personal records
• Access controls limiting information to authorized personnel only
• Regular security assessments and monitoring
• IP address logging and consent verification for electronic signatures

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for a minimum of ten (10) years as required by applicable state and federal regulations.

10. Your Rights

Depending on your jurisdiction, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete personal information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of certain data processing activities

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors without parental consent. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

12. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and government websites such as Healthcare.gov. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies before providing any personal information.

13. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after any changes constitutes acceptance of the revised Privacy Policy. We encourage you to review this page periodically for the latest information on our privacy practices.

14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: