Privacy Notice Statement Pertaining to Personally Identifiable Information

This Privacy Notice Statement (“Statement”) explains how Ashlock Insurance, (also referred to herein as “we” or “us”) may collect, use, and disclose certain personally identifiable information (“PII”) in the course of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in qualified health plans (“QHPs”) through the Federally Facilitated Marketplace (“FFM” or “Marketplace”) or direct through the carrier, and/or applying for federal subsidies. PII includes any information that can be used to distinguish or trace your identity, either alone or in combination with other personal or identifying information that is linked or linkable to you. Examples of PII include your name, address, phone number, Social Security Number, date and place of birth, and mother’s maiden name. This Statement describes, in particular:

1. The legal authority for our collection of PII;
2. The purpose of our collection of PII;
3. To whom and for what purposes PII may be disclosed;
4. Authorized uses and disclosures of any collected PII;
5. Whether our request to collect PII is voluntary or mandatory under applicable law; and
6. The effects of nondisclosure if you choose not to provide requested PII.

Please read this Statement carefully and contact us at 816-402-2300 if you have any questions or concerns. We will take reasonable steps to ensure that any of your PII in our possession is complete, accurate, and up to date – to the extent necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies – and has not been altered or destroyed in an unauthorized manner. We have implemented operational, administrative, technical, and physical safeguards and procedures, including privacy and security training programs for members of our workforce, to protect your PII and ensure its confidentiality, integrity, and availability, and prevent unauthorized or inappropriate access, use, or disclosure. In accordance with our established privacy and security standards, which are publicly available upon request, you (or your duly authorized representative) have the right to a simple and timely means of accessing and obtaining your PII in a readable form and format, disputing the accuracy or integrity of your PII, and having erroneous information corrected, substituted, or deleted. For instructions as to how to exercise your rights in this regard, please contact David Ashlock at david@ashlockinsurance.com or call 816-402-2300. If the PII in question originated from another source, then you should contact the originating source for this purpose.

Legal Authority for Collection of PII

We have entered into an agreement with the Marketplace, under which we will comply with the Marketplace’s privacy and security standards established by the U.S. Department of Health and Human Services and the Centers for Medicare & Medicaid Services. We may collect, use, or disclose your PII if and to the extent required under applicable law. In all other instances, we may collect, use, or disclose your PII, in accordance with this Statement, to the extent necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

Purpose of Collection of PII

The purpose of our collection of PII is to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

To Whom and for What Purpose PII May be Disclosed

We may disclose your PII to the Marketplace (or employees, agents, or sub‐contractors thereof), certain federal or state agencies, a health insurance issuer offering a QHP that you have selected (or such issuer’s employees, agents, or subcontractors), or any individual who is duly and legally authorized to act on your behalf in connection with your PII. This includes any individuals acting under an appropriate power of attorney or appointment that complies with applicable state and federal law. Your PII may be disclosed to the extent necessary for us to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.

Authorized Uses and Disclosures of Collected PII

We may use and disclose PII if and to the extent reasonably necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies. We will obtain your informed consent, which you may revoke at any time, for any other uses or disclosures of PII.

SMS Messaging Program

If you choose to participate in our SMS messaging program, we may use your PII, including your mobile phone number, to send you text messages related to comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs, and/or applying for federal subsidies. Participation in this program is optional and requires your explicit opt-in consent.

• Mobile Opt-In: To enroll in our SMS messaging program, you may opt in by texting “JOIN” to 816-402-2300 or by providing your mobile number and checking the SMS consent box on our enrollment forms (online at www.flexiblebenefitsplans.com/enroll or in paper format). You will receive a confirmation message upon opting in.
• Message Frequency: You may receive up to 5 messages per month, though frequency may vary based on your interactions with us (e.g., inquiries or application status updates).
• HELP Instructions: For assistance, text “HELP” to 816-402-2300, or contact us at 816-402-2300 or david@ashlockinsurance.com.
• STOP Instructions: To stop receiving messages, text “STOP” to 816-402-2300 at any time. You will receive a confirmation message, and no further messages will be sent unless you re-opt in.
• Message and Data Rates May Apply: Standard message and data rates may apply to all SMS communications, as determined by your mobile carrier.
• Privacy Policy: Your participation in the SMS messaging program is subject to this Privacy Notice Statement. For full details on how we collect, use, and protect your PII, please refer to the complete policy above or contact us for a copy.

We will not use your mobile number for SMS marketing purposes beyond the scope of assisting you with health insurance-related services unless you provide separate consent for such communications.

Whether Request to Collect PII is Voluntary or Mandatory under Applicable Law

Our request to collect your PII, for purposes of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies, is voluntary. Participation in our SMS messaging program is also voluntary and requires your explicit opt-in consent.

Effects of Nondisclosure of PII

If you choose not to provide the requested PII to us, then we may be unable to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies. If you do not provide your mobile number or opt in to the SMS messaging program, you will not receive text message updates, but this will not otherwise affect our ability to assist you through other communication channels.

Please contact us at 816-402-2300 if you have any questions or concerns regarding this Privacy Notice Statement, our SMS messaging program, or our collection, use, and disclosure of PII in general.