Privacy Policy — Elyon Insurance Group (ACA Marketplace)

1. Introduction

Alpha Omega Center dba Elyon Insurance Group ("Elyon," "we," "us," "our") is a licensed insurance agency headquartered in Montgomery, Alabama, led by Dr. Elon Miree, D.Min (NPN 7646801). We help individuals check their eligibility for Affordable Care Act (ACA) Health Insurance Marketplace coverage and subsidies, and — if they choose — apply for and enroll in a plan through a licensed agent using a CMS-approved Enhanced Direct Enrollment (EDE) platform.

This Privacy Policy describes how we collect, use, disclose, and safeguard the Personal Information of individuals who visit our website, submit our eligibility-check form, complete a Consumer Consent to Assist or Eligibility Application Attestation, or otherwise interact with us in connection with ACA Marketplace coverage.

We comply with applicable U.S. federal and state privacy laws and CMS Marketplace agent/broker requirements. California residents should review Section 4 for additional rights.

Note: Elyon Insurance Group is an independent, licensed insurance agency. We are not connected with or endorsed by the U.S. government, the federal Health Insurance Marketplace, or Healthcare.gov. We do not offer every plan available in your area.

2. What Personal Information May We Collect and Disclose About You?

From our online eligibility-check form:

Full name, phone number, and email address
ZIP code
Whether you are currently insured, household size, and income range (used only to estimate potential eligibility)

During your Consumer Consent to Assist and application process:

Social Security number and date of birth for household members applying for coverage, as required by the Marketplace application
Detailed household income and tax-filing information used to determine subsidy eligibility
Immigration or citizenship status information, only as required by the Marketplace application
Records of communications by phone, text (SMS), email, or in-person/virtual visit
Your signed Consumer Consent to Assist and Eligibility Application Review/Attestation

Automatically from website visits:

IP address, browser type, device type, and operating system
Pages visited, time spent, and referring URL
Interaction data collected via cookies or similar tracking technology

3. How Will We Use Your Personal Information?

We use your Personal Information solely to:

Check your potential eligibility for ACA Marketplace coverage and subsidies
Obtain your Consumer Consent to Assist before searching, quoting, or applying on your behalf, as required by CMS
Complete and submit your Marketplace application through our CMS-approved Enhanced Direct Enrollment (EDE) platform
Obtain your Attestation confirming the accuracy of your application before submission
Contact you by phone, text (SMS), or email regarding your eligibility check, application status, and enrollment
Comply with CMS Marketplace recordkeeping and audit requirements
Improve our website, outreach, and enrollment process
Detect and prevent fraudulent applications

SMS / Call / Autodialer Consent: By submitting our eligibility-check form, you consent to be contacted by Elyon Insurance Group and its licensed agents by phone call, text message (SMS), and email, including by autodialer or prerecorded message, about ACA Marketplace health coverage. Message and data rates may apply. Reply STOP to opt out of texts. Consent is not a condition of purchase. This consent checkbox is required to submit the form and cannot be pre-checked.

4. State Consumer Privacy Notice

This section applies to residents of California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and other applicable U.S. states. Because ACA Marketplace enrollment is federally regulated, some Personal Information we collect is governed primarily by CMS Marketplace rules rather than state consumer privacy law. To the extent state law applies, the rights described in Section 12 are available to you.

5. Personal Information We Collect and Disclose, by Category

Category	Examples	Collected	Disclosed To	Sold
Identifiers	Name, phone, email, ZIP	Yes	CMS Marketplace (via EDE platform), CRM providers	No
Household & Income Info	Household size, income range, tax-filing status	Yes	CMS Marketplace (via EDE platform)	No
Government ID Info	SSN, date of birth, immigration/citizenship status	Only as required for a Marketplace application	CMS Marketplace (via EDE platform)	No
Consent Records	Consumer Consent to Assist, Attestation	Yes	Retained internally; available to CMS on request	No
Communications	Calls, texts, emails, visit records	Yes	CRM/communications providers	No
Internet / Network Activity	Website usage, pages visited, browser/device data	Yes	Analytics/CRM providers	No

6. Personal Information Does Not Include

De-identified or aggregated information that cannot reasonably identify you
Publicly available information from government records
Application data submitted directly to and governed by the federal Marketplace or your EDE platform's own privacy notice

7. Categories of Sources of Personal Information

You directly, through our online eligibility-check form
You directly, during your Consumer Consent and application process at 334-525-5300
You directly, during in-person or virtual appointments
Our website automatically, via cookies, analytics, and server logs
Third-party CRM, scheduling, and communications platforms (GoHighLevel/LeadConnector)
Our CMS-approved Enhanced Direct Enrollment (EDE) platform, for application status updates

8. Why We Collect Personal Information

To check your potential eligibility for ACA Marketplace coverage and subsidies
To obtain the required Consumer Consent to Assist and Attestation before quoting, applying, or submitting on your behalf
To complete and submit your Marketplace application
To communicate with you about your eligibility check, application status, and enrollment
To comply with CMS Marketplace recordkeeping and audit obligations
To detect and prevent fraudulent applications
To improve our outreach programs, website, and enrollment process

9. Sharing or Selling Your Personal Information

We do not sell your Personal Information. We do not share your Personal Information with other agents, agencies, or lead-generation companies, and we do not use it for cross-context behavioral advertising. We share Personal Information only as required to check your eligibility or complete an application:

With the federal Health Insurance Marketplace, via our CMS-approved EDE platform, as required to submit and process your application
With technology service providers (CRM, scheduling, communications) under confidentiality obligations
With government agencies, regulators, or law enforcement as required by applicable law or regulatory audit

This is a solicitation for insurance. We do not offer every plan available in your area. Elyon Insurance Group is not affiliated with or endorsed by the U.S. government, the federal Marketplace, or Healthcare.gov.

10. Sensitive Personal Data

We collect Social Security numbers, dates of birth, household income, and — where required by the Marketplace application — immigration or citizenship status. This Sensitive Personal Information is used solely to determine your eligibility, complete your Marketplace application, and calculate any subsidy for which you may qualify. Access is strictly limited to your licensed agent and authorized Elyon staff directly involved in your application. We never use Sensitive Personal Information for marketing or any purpose unrelated to your Marketplace application.

11. How Long We Retain Your Personal Information

Your Consumer Consent to Assist and Attestation are retained for a minimum of 10 years, per CMS Marketplace recordkeeping requirements
Enrollment application records are retained for a minimum of 10 years
Pre-application inquiries that did not result in a completed application are retained in our CRM for a reasonable period, then deleted or de-identified
Website usage data and communications records are retained as long as reasonably necessary for program operations and legal obligations

Note: CMS Marketplace recordkeeping requirements take precedence over any deletion request where retention is required by CMS rules or audit obligations.

12. Your Rights

Depending on your state of residence, you may have the right to:

Know what Personal Information we have collected, used, and disclosed about you
Access a portable copy of your Personal Information
Correct inaccurate Personal Information we hold about you
Delete your Personal Information, subject to CMS recordkeeping requirements and other legal exceptions
Opt Out of any sale or sharing of Personal Information (we do not sell or share it for advertising)
Limit Use of Sensitive Personal Information beyond what is necessary for your application
Opt Out of SMS/Call by replying STOP to any text message, or by contacting us directly
Non-Discrimination — you will not be denied eligibility-check assistance for exercising your privacy rights

13. How to Exercise Your Rights

To submit a privacy rights request — including to access, correct, delete, or opt out of communications — contact us using the information in Section 16. We may need to verify your identity before processing your request. You may designate an authorized agent to submit requests on your behalf, subject to identity verification.

14. Timing

We will acknowledge receipt of your privacy rights request within 10 business days and provide a substantive response within 45 calendar days. If we require additional time due to the complexity of the request, we will notify you within the initial window and may extend our response by an additional 45 days with written notice.

15. Appeals

If we decline to act on your privacy rights request, we will provide a written explanation, including any applicable CMS obligations that restrict our ability to comply. You may appeal by contacting us via the information in Section 16. We will respond within 45 calendar days. Eligibility and application disputes may also be directed to the Marketplace Call Center or CMS. State residents may additionally submit a complaint to their state Attorney General's office.

16. Contact Us

Alpha Omega Center dba Elyon Insurance Group
2424 East South Blvd, Montgomery, AL 36104
Phone: 334-525-5300
Email: [email protected]
Website: aca.elyoninsurancegroup.com (placeholder)
Hours: Monday – Saturday, 8:00 AM – 8:00 PM CST

For privacy-specific inquiries, please include "Privacy Request" in your subject line or message.

17. Last Revised

August 2026