Privacy Policy

ACA Direct Plans ("we," "us," "our") operates the website acadirectplans.com (the "Site"). This Privacy Policy explains how we collect, use, share, and protect information about you when you visit our Site or submit information through our qualifying form.

ACA Direct Plans is an independent advertising and marketing referral service that connects consumers with licensed health insurance agents and brokers. We are not an insurance company, not a licensed insurance broker, and not affiliated with any government entity, including the U.S. government, CMS, HealthCare.gov, or any state Marketplace.

Information You Provide: When you complete our qualifying form, we collect the following information:

• ZIP code
• First and last name
• Email address
• Phone number

Information Collected Automatically: When you visit our Site, we and our service providers automatically collect certain information, including:

• IP address and general geographic location
• Browser type and version
• Device type and operating system
• Referring URL and pages visited
• Time stamps of your visit
• Interactions with our Site and forms

Cookies and Tracking Technologies: We use cookies, web beacons, pixels, and similar technologies to collect information about your browsing activities.

We use the information we collect to:

• Connect you with licensed health insurance agent partners who can discuss coverage options
• Respond to your inquiries and requests
• Contact you by phone, text message (including SMS/MMS), and email regarding health insurance options
• Improve our website, services, and marketing efforts
• Comply with legal obligations, including TCPA consent recordkeeping
• Prevent fraud, abuse, and unauthorized access
• Analyze Site usage and trends

ACA Direct Plans is a lead generation service. A core function of our business is sharing the information you submit with third parties so they can contact you about health insurance. We share your information as follows:

• Licensed Health Insurance Agents and Brokers: We share the information you submit through our form with licensed health insurance agents, brokers, and agencies in our partner network so they can contact you to discuss, present, and enroll you in health insurance products.
• Marketing Partners and Affiliates: We may share your information with marketing partners and affiliates who assist us in connecting consumers with licensed agents.
• Compensation for Referrals: We may receive compensation from our licensed agent and broker partners for referrals. This compensation does not affect the price of any insurance plan you may purchase.
• Service Providers: We may share information with third-party service providers who support our operations, including website hosting, analytics, call tracking, customer relationship management (CRM), email delivery, and payment processing.
• Legal Compliance: We may disclose information when required by law, legal process, court order, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of others.
• Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

We do not sell your information to unrelated third parties for their independent marketing purposes except as described in this policy and subject to your opt-out rights under applicable state laws.

By submitting the qualifying form on our Site, you consent to be contacted by ACA Direct Plans and its licensed health insurance agent partners by phone calls, text messages (including SMS/MMS), and email regarding health insurance options, including ACA Marketplace plans, Medicare, Medicaid, and other coverage products.

You agree to be contacted at the phone number and email you provided, even if your number is on a state or federal Do Not Call registry. You understand that calls and texts may be made using automated technology, including prerecorded messages and artificial intelligence. You understand that your consent is not a condition of purchase of any goods or services. Message and data rates may apply.

Opt-Out: You can opt out of text messages at any time by replying STOP. You can opt out of phone calls by requesting removal during any call. You may also contact us at info@acadirectplans.com to request removal.

Detailed consent terms are presented at the point of form submission and must be explicitly agreed to before your information is submitted.

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities on our Site. These technologies help us:

• Remember your preferences and settings
• Understand how you interact with our Site
• Measure the effectiveness of our marketing campaigns
• Deliver relevant advertising to you on other platforms

We use third-party analytics and advertising tools, including Google Analytics, Google Ads, and Meta Pixel, to measure Site performance and deliver targeted advertising. These third parties may use cookies and other tracking technologies to collect information about your online activities over time and across different websites.

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Please note that if you disable cookies, some features of our Site may not function properly.

Depending on where you live, you may have certain rights regarding your personal information:

California Residents (CCPA/CPRA): If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, and sell/share
• Delete your personal information (subject to certain exceptions)
• Correct inaccurate personal information
• Opt out of the sale or sharing of your personal information
• Limit the use and disclosure of sensitive personal information
• Not be discriminated against for exercising your privacy rights

To exercise your California privacy rights, email us at info@acadirectplans.com or submit a request through our web form. You may also designate an authorized agent to make a request on your behalf.

Do Not Sell or Share My Personal Information

Virginia, Colorado, Connecticut, and Utah Residents: If you are a resident of Virginia, Colorado, Connecticut, or Utah, you may have the right to:

• Access and obtain a copy of your personal information
• Delete your personal information
• Correct inaccuracies in your personal information
• Opt out of targeted advertising and the sale of personal information

To exercise these rights, email us at info@acadirectplans.com.

Other State Privacy Laws: Residents of states with comprehensive privacy laws may have similar rights. Contact us at info@acadirectplans.com to inquire about rights available in your state.

We will respond to verifiable consumer requests within the timeframes required by applicable law. We may need to verify your identity before processing your request.

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including:

• Connecting you with licensed health insurance agent partners
• Complying with legal obligations, including TCPA consent recordkeeping requirements
• Resolving disputes and enforcing our agreements
• Supporting our business operations and analytics

TCPA consent records, including timestamps, IP addresses, and the exact consent language presented, are retained for at least five years as required by federal regulations. When information is no longer needed, we securely delete or anonymize it.

We use reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. These measures include encryption in transit (SSL/TLS), access controls, and regular security assessments.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Our Site is not directed to anyone under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information as soon as possible.

Our Site may contain links to third-party websites, including HealthCare.gov, Medicare.gov, and licensed agent partner sites. We are not responsible for the privacy practices, content, or security of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. The "Last Updated" date at the top of this page indicates when this Privacy Policy was last revised. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our Site after any changes constitutes your acceptance of the updated Privacy Policy.

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

• Email: info@acadirectplans.com
• Website: acadirectplans.com