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Privacy Policy

What information do we collect?

We collect information from you when you subscribe to our newsletter.

When registering on our site, as appropriate, you may be asked to enter your: name or e-mail address. You may, however, visit our site anonymously.

We must collect certain information about you, called Personally Identifiable Information (“PII”) in order to help you complete your application for health insurance. PII is information that can be used to identify you or trace your identity.

These are a few examples of PII. This is not a complete list.

  • name, address, date of birth, telephone number
  • social security number
  • household income, marital status
  • race or ethnicity
  • credit or debit card numbers

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

To send periodic emails

The email address you provide, may be used to send you information and updates pertaining to your insurance, in addition to receiving occasional company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

For health insurance customers, we will use only the information that we need to help you obtain health insurance through the Federally-facilitated Exchange (“FFE”) and to provide Authorized Functions approved by the FFE, or other service as permitted under applicable law.

These are a few of the authorized functions that we may conduct. This is not a complete list:

  • Helping with your application for insurance
  • Answering question about your eligibility
  • Helping to enroll you in a qualified health plan
  • Helping with filing appeals of eligibility determinations
  • Correcting errors in your application

Do we use cookies?

We do not use cookies.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

For health insurance customers, we may share your information with certain Federal or State agencies, the health insurance issuer that you select or subcontractors that help me/us to provide services to you.

We must get your permission to share your information for any other purpose that is not described in this notice.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our web site privacy policy.

If you do not want to share your information, you may not be able to enroll in a health insurance plan.

We are required to keep your information safe. We have developed privacy and security policies that I/we must follow to make sure that I/we protect your PII.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

www.morrowinsurance.com
PO Box 1109
Hendersonville, NC 28793
United States
info@morrowinsurance.com
(828) 693-5396

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