This notice explains how Cobb & Associates may collect, use and share your information. Please read it carefully and contact us at 1-800-971-5066 if you have any questions.

We are legally required to give you this notice by applicable law and our agreement with the federal government.

We respect your personal information and want you to fully understand how we may use and share your information.

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.

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:

We may only share your information as described in this notice.

We may share your information with certain Federal or State agencies, the health insurance issuer that you select or subcontractors that help 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.

We may share non-personal information with others from time to time. Examples of such non-personal information include the number of users who visited this website during a specific time period and the general geographic location of visitors. This information is shared in an aggregate form.

We reserve the right to transfer any information we have about you, including Personal Information, in connection with the sale or transfer of all or a portion of our business or assets to a third party.

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 we must follow to make sure that we protect your PII. For your protection, do not send emails that contain your personal health information. We cannot guarantee the security of these emails before they reach us, in contrast to the security precautions in place when you send us Personal Information via an online form on this website.

We do not collect Personal Information through this website unless you voluntarily submit it. This information is used to complete transactions and provide the information, products and services that you have ordered or requested, and for administrative and analytical purposes. In addition, Personal Information may be used to contact you (by telephone, regular mail, email, facsimile or other means) to answer your questions or respond to your comments, to send you information about our products and services, to provide emails, newsletters and other communications, to conduct market research, and to insure compliance with our policies and applicable laws and regulations. When you opt not to receive emails or newsletters from us, we collect and store certain Personal Information, such as your email address, in order to comply with your preferences regarding such materials and will do so promptly upon your request.

Your responsibility is to provide accurate and complete information.

We are not responsible, nor do we verify the accuracy of the information that you give us. Incomplete and inaccurate information may cause you to be liable for future charges and penalties or keep you from receiving benefits to which you were entitled.

This Privacy Policy may change from time to time without prior notice. Revised versions of this Privacy Policy will be posted on this website, with an updated effective date. You should check this website periodically to see if any recent changes to this Privacy Policy have occurred. By continuing to use this website after we post any such changes, you accept the Privacy Policy as modified.

To file a complaint with the Centers for Medicare & Medicaid Services (CMS) follow this link.

Effective October 1, 2013


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