Privacy Policy

1. Information We Collect

We collect information you provide directly to us, information collected automatically when you use our website, and information obtained from third parties.

Information You Provide

• Contact & identity information: name, date of birth, Social Security Number, driver's license number, email address, phone number, and mailing address when you request a quote, fill out an enrollment form, or speak with an agent.
• Health & coverage information: household size, income range, existing coverage, medical history, and health conditions you voluntarily share to help us identify suitable insurance plans.
• Payment & financial information: bank account details, credit/debit card information, or premium payment preferences collected to facilitate plan enrollment.
• Communications: records of your correspondence with us by phone, email, or chat, including call recordings made with legally required notice and consent.

Information Collected Automatically

• Usage data: pages visited, links clicked, time on site, and referring URLs collected via standard web-server logs and analytics tools.
• Device & browser data: IP address, browser type, operating system, and screen resolution.
• Cookies & similar technologies: session cookies required for site functionality, analytics cookies where enabled, and preference cookies. You may disable cookies in your browser settings; some site features may not function without them.

Information from Third Parties

We may receive information about you from insurance carriers, licensed lead aggregators, and referral partners who have obtained your consent to share your information for insurance-related purposes.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide insurance quotes and plan comparisons.
• Connect you with licensed insurance agents and carriers appropriate to your needs.
• Process enrollment applications and support ongoing policy management.
• Communicate with you about your account, plan options, renewals, and regulatory updates affecting your coverage.
• Send marketing communications (with your consent where required by law), including information about plans, promotions, and educational content.
• Improve our website, products, and services through analytics and internal research.
• Comply with applicable federal and New York state laws, including those governing the sale of insurance and financial services.
• Detect, prevent, and respond to fraud, abuse, and security incidents.

3. How We Share Your Information

We do not sell your personal information to data brokers or unaffiliated third parties for their own marketing purposes. We share your information only in the following circumstances:

• Insurance carriers and administrators: to obtain quotes, process applications, and service your policy, we share relevant information with the insurance companies whose products you are interested in or enrolled in.
• Licensed agents and brokers: our affiliated and contracted agents may access your information to assist with your coverage needs.
• Service providers: vendors who perform services on our behalf (for example CRM software, telephony, email delivery, and analytics) under contracts that restrict use of your data to providing those services.
• Legal and compliance: when required by law, subpoena, court order, or regulatory request (including requests from the New York State Department of Financial Services), or to protect the rights and safety of Alliance 1 Health, our clients, or others.
• Business transfers: in connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy commitments.

4. Telephone Communications & TCPA

By providing your telephone number and submitting a form on our website, you consent to receive calls from Alliance 1 Health and its licensed agents (including via an automatic telephone dialing system or prerecorded voice) at the number provided, for insurance-related purposes. Submitting a form does not by itself provide consent to receive text messages.

If you separately select an optional SMS consent checkbox, you agree to receive recurring automated text messages from Alliance 1 Health of the types described next to that checkbox, at the number provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. SMS consent is not a condition of purchase. You may also withdraw consent by contacting us at info@alliance1health.com.

Mobile numbers, SMS opt-in data, and SMS consent records are not sold or shared with third parties or affiliates for their own marketing or promotional purposes. We may share this information with service providers solely to deliver and support our messaging program.

We comply with the Telephone Consumer Protection Act (TCPA) and applicable state telemarketing laws. Call recordings are retained for compliance and quality-assurance purposes.

5. Health Information

Alliance 1 Health LLC is a licensed insurance agency, not a covered entity under the Health Insurance Portability and Accountability Act (HIPAA) in all circumstances. To the extent we handle protected health information (PHI) on behalf of a covered entity, we do so pursuant to applicable business associate requirements. Health information you voluntarily share with us to obtain insurance quotes is used solely to identify and recommend coverage options and is not disclosed for unrelated purposes without your consent.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, to maintain our business records, and to comply with legal obligations, including applicable New York State Department of Financial Services (NYDFS) and federal insurance-recordkeeping requirements. When information is no longer needed or required to be held by law, we securely delete or anonymize it.

7. Security & Safeguards

We implement reasonable administrative, technical, and physical safeguards in accordance with the New York SHIELD Act and applicable industry standards to protect your private information against unauthorized access, acquisition, disclosure, alteration, and destruction. These controls include encryption in transit (TLS) and at rest, system access controls, and periodic security evaluations. In the event of a security breach affecting your unencrypted personal information, we will notify you and applicable state regulators in accordance with New York law. No data transmission over the internet is 100% secure; we cannot guarantee absolute security.

8. Your Rights & Choices

Under New York's Stop Hacks and Improve Electronic Data Security (SHIELD) Act, the New York General Business Law, and applicable state regulations, you have choices regarding your personal data. You may:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to mandatory insurance retention laws.
• Opt out of receiving promotional or marketing communications at any time.
• Request that we limit or cease sharing your information with non-essential third parties.

To exercise any of these rights, contact us at info@alliance1health.com or by mail at the address below. We will respond within the timeframe required by applicable law.

9. Children's Privacy

Our website and services are not directed to individuals under 18 years of age. We do not knowingly collect personal information directly from children. If you believe we have inadvertently collected information directly from a minor without parental consent, please contact us and we will delete it promptly.

10. Third-Party Links

Our website may contain links to third-party websites, such as insurance carrier portals or government resources like HealthCare.gov or NY State of Health. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party site you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we do, we will update the “Last updated” date at the top of this page. Your continued use of our website after any change constitutes your acceptance of the updated Policy. We encourage you to review this page periodically.

12. Contact Us

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

Alliance 1 Health LLC
75 Hamilton Ave, Brooklyn, NY 11231
info@alliance1health.com
(844) 863-8652

Alliance 1 Health LLC is a licensed insurance agency based in Brooklyn, New York