iCoach Solutions

Privacy Policy

Last Updated: February 14, 2026

  Summary: We collect information to help you find the right life and health insurance coverage. We protect your data, never sell it, and only share it as needed to provide our services or as required by law.

1. Introduction

iCoach Solutions ("we," "our," or "us") is a licensed life and health insurance agency. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services, website, or communicate with us.

We are committed to protecting your privacy and complying with all applicable federal and state privacy laws, including HIPAA where applicable.

2. Information We Collect

2.1 Information You Provide

Contact Information: Name, email address, phone number, mailing address
Demographic Information: Date of birth, gender, household size, income information
Health Information: Medical history, current medications, doctors, pre-existing conditions (for coverage evaluation)
Financial Information: Income verification for subsidy determination, payment information for premiums
Insurance Information: Current coverage details, Medicare/Medicaid status, employer coverage information
Government Identifiers: Social Security Number (for enrollment purposes only)

2.2 Information Collected Automatically

Website usage data (pages visited, time spent)
Device information (browser type, IP address)
Communication records (call logs, email correspondence)

3. How We Use Your Information

We use your information to:

Evaluate your insurance needs and eligibility
Provide quotes from multiple insurance carriers
Assist with enrollment in health, Medicare, and life insurance plans
Process applications and communicate with insurance carriers on your behalf
Send appointment reminders and important coverage notifications
Provide ongoing customer support and policy management
Comply with legal and regulatory requirements
Send educational content about healthcare options (with your consent)

4. How We Share Your Information

Recipient	Purpose
Insurance Carriers	To submit applications and manage your coverage
Healthcare.gov / State Exchanges	For ACA Marketplace enrollments
CMS / Medicare	For Medicare enrollments
Field Marketing Organizations (FMOs)	For processing and carrier relationships
Service Providers	CRM systems, communication tools (under contract to protect your data)
Legal/Regulatory Bodies	When required by law or to protect rights

  We Never:
  Sell your personal information to third parties
Share your health information for marketing purposes
Disclose your information except as described in this policy

5. HIPAA Compliance

While we are primarily an insurance brokerage (not a healthcare provider), we handle protected health information (PHI) in connection with insurance applications. We maintain appropriate safeguards including:

Encrypted data storage and transmission
Access controls limiting who can view your information
Staff training on privacy and security practices
Business associate agreements with vendors who access PHI

6. Data Security

We implement industry-standard security measures:

SSL/TLS encryption for all web communications
Secure, encrypted storage of sensitive information
Regular security assessments and updates
Limited access on a need-to-know basis

7. Data Retention

We retain your information:

Active clients: For the duration of our relationship plus 7 years
Prospective clients: Up to 3 years from last contact
As required by law: Insurance records may be retained longer per regulatory requirements

8. Your Rights

You have the right to:

Access: Request a copy of your personal information
Correction: Request correction of inaccurate information
Deletion: Request deletion of your information (subject to legal retention requirements)
Opt-out: Unsubscribe from marketing communications
Portability: Receive your data in a portable format

To exercise these rights, contact us at info@icoachsolutions.pro or call (253) 327-1186.

9. Communications

By providing your contact information, you consent to receive:

Service-related communications (enrollment updates, policy changes)
Appointment reminders
Important coverage notifications (Open Enrollment periods, etc.)

You may opt out of marketing communications at any time by replying STOP to text messages or clicking "unsubscribe" in emails.

10. Cookies and Tracking

Our website uses cookies and similar technologies to:

Remember your preferences
Analyze website traffic and usage
Improve our services

You can control cookies through your browser settings.

11. Third-Party Links

Our website may contain links to insurance carrier websites, government sites (Healthcare.gov, Medicare.gov), and other third parties. We are not responsible for the privacy practices of these external sites.

12. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. Parents or guardians may provide information on behalf of minor dependents for family coverage purposes.

13. California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

Right to know what personal information is collected
Right to delete personal information
Right to opt-out of the sale of personal information (we do not sell your data)
Right to non-discrimination for exercising your rights

14. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by email or through our website. The "Last Updated" date at the top indicates when the policy was last revised.

15. Contact Us

For questions about this Privacy Policy or our privacy practices:

iCoach Solutions
Email: info@icoachsolutions.pro
Phone: (253) 327-1186
Website: icoachsolutions.pro