Privacy Policy

Effective Date: April 8, 2025  ·  Last Updated: April 8, 2025

This Privacy Policy describes how obcarr.org, operated by L22 LLC, a Florida limited liability company ("we," "us," or "our"), collects, uses, and shares information when you use our website and submit a request for health insurance plan information. By using this website, you agree to the practices described in this policy.

1. Information We Collect

When you use our services, we may collect the following categories of personal information:

• Contact Information: First name, last name, email address, and phone number.
• Location Data: ZIP code and U.S. state, which may be auto-detected using your device's GPS or IP address via third-party geolocation services (OpenStreetMap Nominatim, ipapi.co).
• Health-Related Eligibility Data: Household size, annual income range, date of birth, and current health coverage status. We do not collect detailed medical or health records.
• Technical Data: Browser type, device type, IP address, pages visited, and time spent on pages (collected automatically via cookies and analytics tools).

2. How We Use Your Information

We use the information you provide to:

• Determine your potential eligibility for ACA (Affordable Care Act) marketplace health insurance plans;
• Connect you with licensed health insurance agents who can present available plan options;
• Respond to your inquiries and deliver the service you requested;
• Comply with applicable laws and regulations;
• Improve the performance and content of our website.

3. Sharing Your Information

We may share your personal information with the following parties:

• Licensed Insurance Agents and Partners: Your information may be shared with one or more licensed health insurance agents or agencies who will contact you to discuss ACA-compliant health plan options. By submitting this form, you expressly consent to being contacted by such agents.
• Pay-Per-Call Marketing Partners: This website operates within a pay-per-call marketing network. When you call the number displayed or are connected with an agent, information about your inquiry may be shared with the sponsoring network for billing and quality purposes.
• Service Providers: We may share data with third-party vendors that help operate our website (hosting, analytics, geolocation APIs). These parties are contractually restricted from using your data for any other purpose.
• Legal Compliance: We may disclose information if required by law, court order, or to protect our legal rights.

We do not sell your personal information to third-party data brokers.

4. TCPA Consent and Telephone Communications

You may opt out of future communications at any time by replying STOP to any text message or by informing the agent during a phone call.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to analyze traffic, improve user experience, and measure the effectiveness of our marketing. You can control cookie settings through your browser. Disabling cookies may limit some features of the site.

We may use third-party analytics services such as Google Analytics. Their data practices are governed by their own privacy policies.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law. Eligibility data submitted through the form is retained for up to 24 months for quality assurance and compliance purposes.

7. Security

We implement industry-standard technical and organizational safeguards to protect your information from unauthorized access, disclosure, or loss. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

8. Children's Privacy

This website is intended for adults ages 19 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has submitted information through this site, please contact us immediately.

9. Your Rights

Depending on your state of residence, you may have rights including:

• Requesting access to the personal information we hold about you;
• Requesting correction or deletion of your personal information;
• Opting out of certain data sharing practices;
• Filing a complaint with your state's attorney general or data protection authority.

To exercise these rights, please contact us using the information in Section 11 below.

10. HIPAA Compliance

obcarr.org recognizes and respects the Health Insurance Portability and Accountability Act (HIPAA) and its Privacy Rule (45 CFR Parts 160 and 164). Although we are a marketing affiliate and do not directly create, receive, maintain, or transmit Protected Health Information (PHI) as a covered entity or business associate, we adhere to the following principles:

• Any health-related consumer information voluntarily submitted through our forms is transmitted exclusively to licensed insurance producers authorized to complete Affordable Care Act (ACA) enrollments.
• We do not sell, lease, trade, or redistribute health-related data to unaffiliated third parties for independent marketing purposes.
• All partners who receive consumer inquiries are contractually obligated, where applicable, to comply with HIPAA's Privacy and Security Rules.
• We maintain administrative, physical, and technical safeguards commensurate with the sensitivity of the information collected, including TLS encryption during transmission.
• Consumers may request access, correction, or deletion of their personal information at any time by contacting us directly (see Contact Us).

Privacy Officer Contact: Hector A. Leon Amaran — Authorized Member, L22 LLC. Inquiries regarding data privacy, HIPAA, or this Privacy Policy may be addressed to the contact information listed below.

11. Marketing Affiliate Disclosure

obcarr.org is operated as a third-party marketing affiliate generating consumer inquiries for Affordable Care Act (ACA) health insurance enrollment. We are not a licensed insurance producer, insurance carrier, or government agency. We do not sell, bind, service, or issue insurance policies.

All enrollment transactions, plan selection, binding of coverage, and policy servicing are performed exclusively by licensed insurance producers holding valid state-level Accident & Health producer licenses. Consumer inquiries generated through this site are routed to such licensed producers via established lead-routing platforms, including but not limited to MarketCall (a performance-based call routing service).

Licensed partner of record for verification purposes: eHealthInsurance Services, Inc. (NPN 2971515; Florida License L049392; State of Incorporation: Delaware; SEC-registered public company — NASDAQ: EHTH). Consumers may verify this license via the Florida Department of Financial Services Licensee Search (licenseesearch.fldfs.com) or the National Insurance Producer Registry (nipr.com).

Our role is limited to digital advertising, website operation, and lead generation. We receive compensation on a per-qualified-call basis from licensed parties who accept the consumer inquiries we route. This compensation is paid by the licensed entity, not by the consumer. Services provided to consumers are free of charge.

12. Third-Party Links

This website may contain links to external sites such as HealthCare.gov, Medicare.gov, and others. We are not responsible for the privacy practices of those sites and encourage you to review their policies.

13. Contact Us

For questions, requests, or concerns regarding this Privacy Policy, please contact:

14. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes your acceptance of the revised policy.