1. Scope & Applicability

This Privacy Policy applies to all websites, mobile apps, forms, communication channels, and digital services offered by Policy Bear. It also covers information collected when you:

• Visit our website
• Use our quote or enrollment tools
• Contact us via phone, SMS, or email
• Submit forms or sign up for newsletters
• Interact with our advertisements

We are a privately owned, independent ACA agency. We are not affiliated with or part of Healthcare.gov or any government entity, though we work with them to help you get health coverage.

2. What Information We Collect

We may collect the following types of personal information from you

Personal Information (PII)

• Name
• Email address
• Phone number
• Date of birth
• Mailing address
• Social Security Number (only when required for ACA enrollment)
• Health Information (PHI)
• Medical history
• Current health conditions
• Prescription data or medications you are on
• Household size and income (used for subsidy eligibility)

Technical & Usage Information

• What Type of device you are using
• Your IP address
• Browser and operating system you prefer
• Pages visited and how long you stay
• Clicks, scrolls, and form interactions (via cookies & analytics tools)

3. How We Use Your Information

We use your data to:

• Match you with health insurance plans that fit your needs
• Help you enroll in ACA-compliant plans
• Determine your eligibility for subsidies or tax credits
• Send you updates, reminders, or service-related communications
• Provide customer support when you need
• Improve our website and services through analytics
• Comply with legal and regulatory requirements

We may also send you occasional marketing or enrollment reminders. You can always opt out.

4. How We Share Your Information

We are protective of your data, but sometimes we may need to share your data with:

• Licensed insurance agents and carriers who actually provide your coverage
• Third-party service providers who help us operate (e.g., email system, CRM database, website analytics tools)
• Government platforms like Healthcare.gov (if you apply through us)
• Legal authorities, when required by law or to protect our rights
• Another company, in the event of a merger, acquisition, or asset sale, Policy Bear may transfer your information as part of the business transaction. We will notify you of any material changes in data ownership or practices.

We never sell your personal information. Ever.

5. Your Rights and Choices

Depending on your location and applicable laws, such as the California Consumer Privacy Act (CCPA), you may have the right to:

• Access the personal information we have about you
• Request corrections or updates
• Ask us to delete your information
• Unsubscribe or opt out of marketing communications
• Limit how certain data is used or shared

Your California Privacy Rights

If you’re a California resident, the CCPA grants you specific rights, including the right to:

• Know what personal information we collect, use, and disclose
• Request deletion of your personal data (with certain exceptions)
• Opt out of the sale of personal data (we do not sell your data)
• Request a copy of your data (data portability)
• Designate an authorized agent to act on your behalf

We also comply with other state privacy laws, such as the New York SHIELD Act, to ensure the security and proper handling of your personal information.

How to Make a Request

To exercise any of your rights, contact us:
Phone: (844)-POL-BEAR
Email: [email protected]
We may need to verify your identity before processing your request to protect your data.

6. How We Protect Your Data

We use industry-standard security measures to keep your data safe, including:

• SSL encryption
• Secure cloud storage
• Access control for sensitive data
• Staff training on data handling and HIPAA practices

However, no system is 100% secure. We encourage you to protect your devices and passwords.

7. HIPAA Compliance (Summary)

We take your Protected Health Information (PHI) seriously. When you submit health-related data, we follow HIPAA regulations to keep it secure and confidential.
This includes:

• Using PHI only for purposes related to your coverage
• Limiting who can access PHI within our organization
• Requiring business associates to follow HIPAA rules, too

8. Data Retention

We keep your information only as long as necessary:

• To serve you (e.g., quotes, renewals, support)
• To meet legal or contractual obligations
• To comply with regulatory retention timelines

When data is no longer needed, we securely delete or anonymize it.

9. Cookies and Tracking Tools

We use cookies and other tracking tools to:

• Analyze website traffic
• Improve your browsing experience
• Support advertising and remarketing campaigns

You can adjust your cookie preferences via your browser settings or use tools like “Do Not Track” (DNT). We do not respond to “Do Not Track” (DNT) signals because no industry standard exists for consistent interpretation. But we provide opt-out options through Cookie Settings if available.
We also use analytics tools like Google Analytics and may use Facebook or other ad platforms.

10. Children’s Privacy

Our services are intended for individuals aged 13 and over. We do not knowingly collect data from children under 13. If we learn that a child’s information has been submitted, we’ll promptly delete it.

11. Notification of Changes

If we update this Privacy Policy, we’ll post the revised version with a new effective date at the top. If changes are significant, we may notify you via email or on the site.

12. Contact Us

Do you have a privacy-related question, request, or concern? We’re here to help.

Policy Bear – Privacy Team

(844)POL-BEAR
[email protected]
222 S. Rainbow Boulevard STE 216, Las Vegas, NV 89145 
Mon-Fri: 8AM-8PM EST
Live Chat Available