Privacy Policy

Your privacy is important to us. It is the policy of Plan Salud Familiar (operated by Mario Barrera LLC) to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website and other sites we own and operate.

This policy describes how we collect, use, and protect your Personal Information and Protected Health Information (PHI), in strict compliance with the Affordable Care Act (ACA) regulations and applicable federal and state privacy laws.

1. Mobile SMS Consent & Information (10DLC and Toll-Free Notice)

To comply with U.S. telecommunications regulations and ensure transparent communication, we apply the following strict rules to mobile data:

No sharing of mobile data: Your mobile information will not be sold or shared with third parties, affiliates, or friendly businesses for promotional or marketing purposes.

Exclusion of Opt-in data: All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties under any circumstances.

Exclusive use for service: We will only use your SMS consent to send you messages directly related to your service at Plan Salud Familiar. We may share your Personal Data, including your SMS opt-in or consent status, strictly with providers that assist us in the technical delivery of messages (such as Telnyx), but never for third-party marketing purposes.

2. Text Message (SMS) Communications

If you opt in to receive text messages from Plan Salud Familiar:

Frequency and Rates: Message frequency may vary. Message and data rates may apply.

How to Opt-Out: You may revoke your consent and opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT. After opting out, we will send you a single confirmation message and will stop sending you messages.

Assistance: For help, reply HELP or contact us using the information in the contact section.

3. Information We Collect

Information Voluntarily Provided (ACA Compliance): To assist you with health insurance quotes and enrollments under the ACA, we may request sensitive personal information, including:

Full name and date of birth.

Email and phone number (mobile/cell).

Household size and income estimates (necessary to calculate subsidies and tax credits).

Citizenship or immigration status (required by the Health Insurance Marketplace).

General health information strictly necessary to determine eligibility.

Automatically Collected Data: When you visit our website, our servers may automatically log standard data provided by your web browser (IP address, device type, pages visited, date and time) to improve the technical experience.

4. Use and Processing of Your Information

The collected information will be used exclusively for the following purposes:

Providing you with accurate health insurance quotes.

Assisting you as authorized agents in the enrollment process through the Health Insurance Marketplace (Healthcare.gov) or other insurance carriers.

Verifying your eligibility for Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR).

Contacting you for renewals, reminders, or important updates regarding your coverage.

5. Disclosure of Information to Third Parties

To provide the requested services, we may need to securely transmit your information to:

The Federal Health Insurance Marketplace (CMS / Healthcare.gov).

The health insurance companies with which you choose to enroll.

Technical service providers (CRM, hosting) under strict confidentiality agreements.

Strict Limit on Mobile Data: Regardless of any other provision in this section regarding the sharing of information, we DO NOT share, sell, rent, or transfer SMS opt-in data or consent status to any third party or affiliate for marketing or promotional purposes.

6. Security of Your Personal Information

We implement commercially acceptable security measures (such as data encryption) to prevent unauthorized access, disclosure, or modification of your information. While we strive to protect your data, no method of electronic transmission is 100% secure.

7. Data Retention

We will retain your personal information (and your consent records) for as long as required by federal laws (generally a minimum of 10 years according to CMS/ACA guidelines), or for as long as necessary to provide you with our services.

8. Your Rights Over Your Information

Access and Correction: You may request details of the information we hold about you or request corrections.

Revocation of Consent: You may revoke our status as your Agent of Record (AOR) at any time.

Communication Preferences: You can unsubscribe from our emails using the provided link, or from text messages by replying "STOP".

9. Changes to this Policy

We may update this policy to reflect changes in our processes, CMS/ACA guidelines, or telecommunications regulations. We will post any changes on this page with the corresponding updated date.

10. Contact Us

If you have any questions, concerns, or wish to exercise your data rights, please contact us:

Plan Salud Familiar 📍 457 Laurence Dr STE 432, Heath, TX 75032, United States 📞 +1-877-503-0777 📧 info@plansaludfamiliar.com 🌐 https://plansaludfamiliar.com