Privacy Policy

The Marketplace Hotline, LLC operates this site as a marketing publisher ("we," "us," "our"). Licensed third‑party agency partners provide education and enrollment. This Privacy Policy explains how we collect, use, disclose, and protect personal information across our website, phone channels, and services.

• 🔹 Identifiers & contact info (name, address, email, phone).
• 🔹 Household & demographics (household size, age ranges).
• 🔹 Coverage & enrollment details (doctors, preferred hospitals, medications, plan preferences, prior coverage).
• 🔹 Financial information relevant to subsidies (self-attested income ranges; we do not collect full bank account or card numbers for enrollment help).
• 🔹 Technical data (cookies, IP, device, pages viewed).

We limit collection to what’s needed for comparison, eligibility checks, enrollment, and servicing. Where state privacy laws apply (for example, CA, CO, CT, OR, or TX), your rights below control. Helpful resources include the California Privacy Protection Agency, the California DOJ, the Texas Attorney General, and the Oregon Department of Justice.

• 🔹 You, your authorized household members, or your broker/agency.
• 🔹 Public sources and service providers (address verification, anti-fraud).
• 🔹 Carriers, Marketplaces, and government systems only as needed to verify eligibility or process an application.

• 🔹 To match you with a licensed agent and deliver advice.
• 🔹 To compare plans (doctors, drugs, networks, premiums, MOOP), optimize subsidies, prepare forms, and track deadlines.
• 🔹 To provide customer support, quality assurance, and compliance reporting.
• 🔹 To maintain security and detect/prevent fraud.

We share personal information only with:

• 🔹 Carriers/Marketplaces (to quote or enroll you);
• 🔹 Licensed agents/agencies working on your case;
• 🔹 Service providers (hosting, analytics, QA recording, e-signature) under contracts prohibiting further use;
• 🔹 Required disclosures (law, regulation, audits, or to protect rights/safety).

Insurance licensees must also follow state insurance privacy rules implementing GLBA (NAIC Model 672). We provide privacy notices and limit non‑public personal information accordingly. Additional guidance is available from the NAIC and the Texas Department of Insurance.

We do not sell personal information.

If we ever “share” data for cross-context behavioral advertising under state law, we will present a clear opt-in (default off) and a Do Not Share control.

For California privacy resources, visit the California Privacy Protection Agency.

Depending on your state (for example, CA/CPRA, CO, CT, OR, or TX), you may have rights to know/access, correct, delete, data portability, and to opt out of targeted advertising or certain profiling. You (or an authorized agent) can exercise rights by emailing Contact@TheMarketPlaceHotline.com or calling 270-239-2001. We verify and respond within timelines set by law.

We are typically not a HIPAA “covered entity.” If we act as a business associate to a covered entity, we will sign a BAA and handle PHI under HIPAA rules; otherwise, your data is protected under insurance privacy and state consumer privacy laws. For broader industry context, the NAIC provides resources about insurance privacy frameworks.

Our services are for adults seeking coverage. We do not knowingly collect personal information from children under 13.

We use administrative, technical, and physical safeguards appropriate to the data we hold and retain information only as long as necessary for quoting, enrollment/servicing, legal, and audit requirements.

We update this policy as laws and services change. We will post the revision date.

Last updated: September 01, 2025