Legal Documents

Privacy Policy

Effective Date: April 7, 2026  |  Last Updated: April 7, 2026

1. Information We Collect

When you submit a quote request or contact form, we may collect:

• Full name, date of birth, and gender
• Phone number and email address
• ZIP code and state of residence
• Household size and income information
• Current health insurance status

2. How We Use Your Information

• Provide health insurance quotes and plan options
• Contact you by phone, email, or SMS regarding your inquiry
• Comply with applicable state and federal insurance regulations
• Improve our services and marketing communications

3. SMS & Phone Communications

By submitting your phone number and checking the consent box, you agree to be contacted by ETP Medical Insurance via phone and/or SMS regarding health insurance options. Message and data rates may apply. Reply STOP to opt out at any time.

4. Sharing Your Information

We do not sell your personal information. We may share it with:

• Licensed insurance carriers (Anthem, Cigna, UnitedHealthcare, Molina, Mutual of Omaha, etc.) for quote generation
• Healthcare Solutions Team LLC, our marketing and licensing partner
• Service providers under confidentiality obligations
• Government agencies when required by law

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. No internet transmission is 100% secure.

6. Your Rights

Depending on your state, you may have the right to access, correct, or delete your personal information. California residents have additional rights under the CCPA.

7. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

Terms of Service

Effective Date: April 7, 2026  |  Last Updated: April 7, 2026

1. About ETP Medical Insurance

ETP Medical Insurance is an independent licensed insurance brokerage operating in CA, TX, FL, GA, AZ, NC, NJ, OH, AL, TN, and UT. We help individuals and families find health, life, and ancillary insurance coverage.

2. No Insurance Contract

Using this website or submitting a quote request does not create an insurance policy or coverage. Coverage is only effective once a completed application is accepted by a carrier and a policy is issued.

3. Accuracy of Information

You agree to provide accurate and complete information. Providing false information may result in denial of coverage or policy rescission by the carrier.

4. Consent to Contact

By submitting a quote request and checking the consent box, you agree to be contacted via phone, email, and/or SMS. This consent is not a condition of purchasing any insurance product.

5. No Guarantee of Availability or Pricing

Plan availability, premiums, and eligibility vary by state, age, household size, and income. Quotes are not guaranteed until confirmed by the applicable carrier.

6. Third-Party Carriers

Once your information is submitted to a carrier, their own terms and privacy policies apply. We are not responsible for the actions or policies of third-party carriers.

7. Limitation of Liability

ETP Medical Insurance shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website.

8. Intellectual Property

All content on this website is the property of ETP Medical Insurance and may not be reproduced without written permission.

9. Governing Law

These Terms are governed by the laws of the State of California.

10. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of our website constitutes acceptance of the revised Terms.