Anishalin Insurance Solutions (“AnishalinCareSolutions,” “Company,” “we,” “us,” or “our”) provides services designed to help individuals and families explore, understand, and enroll in affordable health and life insurance coverage, including plans offered through the Affordable Care Act (ACA) Marketplace and licensed private carriers.

This Privacy Policy is intended to help you understand how we collect, use, and share your personal information, and how you can exercise your privacy rights in connection with our website and related services.

1. Scope

This Privacy Policy applies to all personal information collected from or about you when you interact with our website, online tools, and communication platforms (collectively, the “Services”).

By accessing or using our Services, you agree to the collection, use, and sharing of your personal information as described in this Privacy Policy and our Terms of Service. If you do not agree to these terms, please do not access or use our Services.

Our Services may include links to third-party websites or applications. These third-party services are not owned, controlled, or operated by Anishalin Insurance Solutions. We encourage you to review the privacy policies of any third-party websites or platforms you visit. We do not endorse, screen, or approve, and are not responsible for the privacy practices or content of such external websites or applications.

This Privacy Policy explains how Anishalin Insurance Solutions collects, uses, shares, and protects personal and other information about users of our Services. In some cases, you may be provided with additional privacy notices specific to certain products, forms, or communications. When that occurs, those notices will govern the collection and use of information in those particular contexts.

2. Personal Information We Collect

The type of personal information we collect depends on how you use our Services and the requirements of applicable privacy laws. We may collect information directly from you, automatically through your interactions with our website, and from other authorized sources.

Below are the main categories of information we may collect:

A. Information You Provide to Us

We collect information you voluntarily provide when you:

• Request health or life insurance quotes.
• Complete a contact or enrollment form.
• Schedule a consultation or speak with a licensed insurance agent.
• Sign up for newsletters or other communications.
• Submit a question or support request.
• Apply for employment or partnership opportunities.

This may include:

• Personal identifiers: Name, date of birth, address, email address, and phone number.
• Household and demographic information: Family size, dependents, and income range to determine ACA eligibility or subsidy qualification.
• Health-related preferences: Current insurance coverage, doctor or hospital preferences, and desired coverage levels.
• Communication information: The content of messages or inquiries sent through our contact forms, emails, or chat systems.

B. Information Collected Automatically

When you interact with our website, certain information is collected automatically, such as:

• Device and browser details: IP address, operating system, browser type, and device identifiers.
• Usage data: Pages visited, time spent on the site, referral links, and browsing activity.
• Cookies and tracking technologies: We use cookies and similar technologies to personalize your experience, analyze traffic, and improve our Services.

You can control cookie settings through your browser preferences, though disabling them may affect website functionality.

C. Information Collected from Other Sources

We may obtain information about you from other sources, including licensed insurance carriers, healthcare providers, or trusted partners who assist with insurance enrollment and verification. For example, if you connect with us through a referral partner, an insurance marketplace platform, or social media, we may collect information you have made available through those channels according to your privacy settings.

We may also receive data from public records, consumer reporting agencies, or government databases (such as Healthcare.gov or state marketplaces) to verify eligibility, confirm identity, or facilitate application processing.

3. HOW WE USE YOUR INFORMATION

We use your information for a variety of business purposes, including to provide our Services, manage our operations, ensure compliance, and communicate with you effectively, as described below.

A. Provide Our Services

We use your personal information to fulfill our agreement with you and deliver the Services you request, including:

• Helping you compare and select health or life insurance plans that meet your needs and budget.
• Assisting you with completing and submitting applications to insurance carriers or marketplace platforms.
• Determining eligibility for government subsidies or benefits under the Affordable Care Act (ACA).
• Managing your profile, policy information, and communication preferences.
• Providing access to tools, resources, and plan comparison features on our website.
• Responding to your inquiries, providing customer support, and processing service requests.
• Communicating updates, renewal reminders, or changes to your policy or account.
• Facilitating secure document uploads, e-signatures, or application tracking.
• Processing job applications, if you apply for employment with us.

B. Administrative Purposes

We also use your information for legitimate administrative and business purposes, such as:

• Preventing fraud, unauthorized access, and other security threats.
• Ensuring data integrity, internal audits, and compliance with applicable laws.
• Improving our website, products, and services through analytics and feedback.
• Developing new features or service offerings.
• Conducting research, reporting, and business operations management.
• Authenticating and verifying your identity where required.
• Maintaining accurate records of transactions and communications.
• Enforcing our Terms of Service and resolving disputes.

C. Marketing and Advertising Our Products and Services

We may use your personal information to personalize your experience and provide you with relevant offers, promotions, and updates about our insurance services. Marketing communications may include:

• Email newsletters, informational updates, or special promotions.
• Online advertisements or retargeting campaigns based on your interests.
• Personalized recommendations on available health or life insurance options.

We respect your right to control how we contact you. You can opt out of receiving marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.

D. Other Purposes

We also use your information for other purposes as requested by you or as permitted by applicable law.

• Consent. We may use personal information for other purposes that are clearly disclosed to you at the time you provide your information or with your consent.
• De-identified and Aggregated Information. We may use personal and other information about you to create de-identified or aggregated data that does not identify you personally, such as general statistics about plan selections, demographics, or browsing trends. This type of data may be used for internal analytics, service improvements, research, or any other lawful purpose.
• Referrals and Shared Content. Our Services may allow you to share content or refer others to us. For example, you may provide contact information for a friend or family member to help them explore health or life insurance options. We will only use this information to fulfill your request and will not send unrelated communications without consent.

4. HOW WE DISCLOSE OR SHARE YOUR INFORMATION

We disclose your personal information to third parties for legitimate business purposes, including to deliver our Services, ensure compliance, or support our operations, as described below.

A. Disclosures to Provide Our Services

We may share your personal information with the following categories of third parties:

• Service Providers. We work with trusted third-party providers who assist in operating our Services, such as website hosting, IT support, secure data storage, and customer service systems.
• Insurance Partners. We may share your personal information with licensed insurance carriers, brokers, or marketplace partners to help you compare plan options, obtain quotes, or enroll in coverage.
• Business Affiliates. We may share limited information with affiliates or trusted business partners for administrative purposes, compliance, or support in delivering our Services.
• Advertising and Marketing Partners. Where permitted by law and with your consent, we may share limited information with third-party advertising providers to deliver personalized ads or marketing communications relevant to your insurance needs.
• APIs/Integrations. We may use third-party integrations (such as the ACA Marketplace API or other insurance data sources) to obtain current information about plan availability, pricing, and eligibility to ensure accurate recommendations.

B. Disclosures to Protect Us or Others

We may access, preserve, or disclose your information if we believe it is necessary to:

• Comply with legal obligations, subpoenas, or government requests.
• Protect the rights, property, or safety of our company, our users, or others.
• Enforce our Terms of Service or other agreements.
• Prevent or investigate fraud, unauthorized access, or other illegal activity.

C. Disclosure in the Event of Merger, Sale, or Other Asset Transfers

If our business undergoes a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction, in compliance with applicable data protection laws.

5. YOUR PRIVACY CHOICES AND RIGHTS

• Email and Telephone Communications. You can unsubscribe from promotional emails using the “unsubscribe” link in any email we send. You may still receive non-promotional messages, such as policy updates or required service communications.
• Text Messages. If you have opted in to receive SMS communications, you can reply “STOP” to unsubscribe or contact us to remove your number.
• Cookies and Online Tracking. You can manage or disable cookies in your browser settings. Please note that disabling cookies may limit certain website features.
• Do Not Track. Our website does not currently respond to browser-based “Do Not Track” signals.
• Targeted Advertising. You can opt out of interest-based advertising using the tools provided by the Digital Advertising Alliance or your browser’s settings.

6. SECURITY OF YOUR INFORMATION

We take reasonable administrative, technical, and physical safeguards to protect your information. However, no system is completely secure. By using our Services, you acknowledge that transmission of information online carries inherent risks.

If a security breach occurs, we may notify you by posting a notice on our website or contacting you directly, as required by law.

7. USERS OUTSIDE OF THE UNITED STATES

Our Services are intended for users within the United States. If you access our website from outside the U.S., please note that your data will be transferred and processed in the United States, where privacy laws may differ from those in your jurisdiction.

8. SOCIAL SECURITY PROTECTION POLICY STATEMENT

We protect the confidentiality of Social Security numbers (SSNs) and similar identifiers by maintaining administrative, physical, and electronic safeguards. Access to SSNs is restricted to authorized personnel for legitimate business purposes, and we do not disclose SSNs to third parties except as permitted by law.

9. CHILDREN’S INFORMATION

Our Services are designed for use by adults and are not directed toward individuals under the age of 18. We do not knowingly request, collect, or store personal information from minors. If we discover that we have inadvertently received data from a person under 18, we will promptly delete such information from our records in accordance with applicable laws. If we become aware that a child has provided us with personal data, we will delete it immediately, unless we are legally required to retain it.

10. CHANGES TO OUR PRIVACY POLICY

This Privacy Policy was last updated on [Date].

We may update this Policy from time to time to reflect changes in our practices or legal requirements. Any material updates will be posted on this page, and continued use of our Services after such changes constitutes your acceptance of the revised Policy.