Privacy Statement
Pertaining to PII

1. Collection of Data.
Our process requires a significant amount of information collection in order that we may appropriately serve you. Required fields are indicated. Providing us with other information is at your option. Please take note that your name, e-mail address, or other submissions that you make on this site may contain your real name or other personally identifiable information. Like many web sites, we may also automatically receive general information that is contained in our server log files such as your IP address and cookie information. Information about how advertising may be served on this site (if at all) is set forth below.

2. Use of Data.
We may use Data to customize and improve your user experience on this site. We will make efforts so that your Data will not be provided to third parties unless (i) provided for otherwise in this Privacy Policy; (ii) we obtain your consent, such as when you choose to opt-in or opt-out to the sharing of Data; (iii) a service provided on our site requires the interaction with or is provided by a third party, by way of example an Application Service Provider; (iv) pursuant to legal process or law enforcement; (v) we find that your use of this site violates our this Policy, Terms of Service, other usage guidelines or as deemed reasonably necessary by us to protect our legal rights and/or property; (vi) or (vi) this site is purchased by a third party whereby that third party will be able to use the Data in the same manner as we can as set forth in this Policy. In the event you choose to use links that appear on our site to visit other web sites, you are advised to read the privacy policies that appear on those sites.

3. Cookies.
Like many web sites, we set and use cookies to enhance your user experience, such as retaining your personal settings. Advertisements may appear on our web site and, if so, may set and access cookies on your computer and is subject to the privacy policy of those parties providing the advertisement. If advertising is present on our site, the companies serving the advertising do not have access to our cookies. These companies usually use non-personally identifiable or anonymous codes to obtain information about your visits to our site.

4. Children.
We do not allow persons who are ages eighteen or younger to submit information to this site.

5. Editing or Deleting Your Account Information.
You may request deletion of your e-mail address by contacting our webmaster. Other data that you may have provided to us will continue to remain within our files at our discretion even though your e-mail is deleted.

6. Changes to this Privacy Policy.
We may make changes to this Policy from time to time. We will notify you of substantial changes to this Policy either by posting a prominent announcement on our site and/or by sending a message to the e-mail address you have provided to us that is contained within your user settings.

7. No Guarantees.
While this Privacy Policy states our standards for maintenance of Data and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of data. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of Data.

8. Contact Information.
If you have any questions about this Policy or our web site, please feel free to contact our webmaster.

9. Privacy Notice Statement regarding Health and ancillary coverage.
We are authorized to collect personally identifiable information (PII) from you by the State of Michigan, and our contracted companies. Any PII Arbury Insurance Agency (and Michigan Insurance Associates) collects is used to assist you with coverage servicing.  If you choose to give us PII, voluntarily, we may share this information with contracted companies to assist you with policy servicing. PII is used or disclosed only under the following circumstances: coverage servicing including quoting and enrollment. If PII is not disclosed, coverage servicing will be incomplete.

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Privacy Notice Statement Pertaining to Personally Identifiable Information

This Privacy Notice Statement (“Statement”) explains how Arbury Insurance Agency and Michigan Insurance Associates (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 Marketplace, 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:
• The legal authority for our collection of PII;
• The purpose of our collection of PII;
• To whom and for what purposes PII may be disclosed;
• Authorized uses and disclosures of any collected PII;
• Whether our request to collect PII is voluntary or mandatory under applicable law; and
• The effects of nondisclosure if you choose not to provide requested PII.

Please read this Statement carefully and contact us at Arbury Insurance Agency 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 such despite documented), and having erroneous information corrected, substituted or deleted. For instructions as to how to exercise your rights in this regard, please contact Arbury Insurance Agency. 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 reasonable 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.

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.

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.

Please contact us at Arbury Insurance Agency at 1-888-299-1149 if you have any questions or concerns regarding this Privacy Notice Statement, or our collection, use, and disclosure of PII in general.