Effective Date: August 14, 2025

Business Name: Lotus Nexus Insurance

National Producer Number (NPN): 21010831

Contact Email: [email protected] (as provided)

Who We Are

Lotus Nexus Insurance (“we,” “us,” “our”) is an independent, licensed insurance agency. We are not a government agency and are not affiliated with HealthCare.gov, the federal or any state Marketplace, Medicare, or any government program. For a complete listing of Qualified Health Plans in your area, visit HealthCare.gov or your state Marketplace.

Scope

This Privacy Policy explains how we collect, use, disclose, and safeguard information from visitors to our websites, landing pages, forms, phone lines, emails, and ads (the “Services”).

The Information We Collect

• Identifiers & Contact Info: name, email, phone, address, ZIP code.

• Household & Eligibility Details: household size, ages, income ranges, prior coverage status, life events (e.g., loss of coverage, move).

• Health-Related Info (if you choose to share it): doctors, prescriptions, conditions, preferred plans.

• Technical Data: IP address, device/ browser info, pages viewed, referring URLs.

• Communications: call recordings/voicemails, texts, emails, chat messages, and form submissions.

How We Collect It

• Directly from you (forms, calls, texts, emails).

• From cookies, pixels, and analytics on our sites.

• From advertising platforms when you interact with our ads.

• From referral partners you authorize.

How We Use Your Information

• Determine plan eligibility and present coverage options.

• Connect you with licensed agents and insurance carriers/partners (with your consent).

• Verify identity and prevent fraud.

• Operate, analyze, and improve our Services (including analytics and A/B testing).

• Comply with legal/contractual obligations and regulatory audits.

• Send service messages and, where permitted, marketing communications (you can opt out anytime).

How We Share Information

We may share your information with:

• Licensed agents, FMOs, and carriers to discuss plan options or complete enrollment you request.

• Service providers (hosting, analytics, call/text platforms, form tools, CRMs) under confidentiality agreements.

• Regulators or law enforcement when legally required.

• Business transfers (e.g., merger or sale) subject to this Policy.

We may receive compensation from carriers or partners when you enroll in a plan through us.

TCPA Consent & Texts/Calls

By providing your phone number, you agree that we and our representatives may contact you by call or text using an autodialer or prerecorded message about insurance products and services. Consent is not required to purchase. You can opt out at any time by replying STOP to texts or telling us on a call.

HIPAA & Marketplace Privacy (45 CFR 155.260)

We are not a HIPAA “covered entity,” but we may handle information that is Protected Health Information (PHI) in connection with plan selection and enrollment. We implement administrative, technical, and physical safeguards that are consistent with the HIPAA Security Rule and 45 CFR 155.260 (Marketplace privacy & security standards), including workforce training, access controls, encryption where appropriate, and incident response procedures.

• If your request concerns your HIPAA rights (access, amendment, accounting of disclosures), those rights typically apply to your plan/carrier. We will help route such requests to the appropriate entity and cooperate as required.

Your Choices & Rights

• Marketing Opt-Out: Unsubscribe links in emails; reply STOP to texts; ask us to remove you from marketing lists at the email below.

• Access/Correct/Delete: You may request access to, correction of, or deletion of your personal information by emailing us. We will verify your identity and respond as required by law.

• “Do Not Sell or Share” (California/CPRA): We do not “sell” personal information as commonly understood; however, some analytics/advertising tools could be considered a “sale” or “sharing.” You may opt out by contacting us and adjusting cookie settings in your browser or via our cookie banner (if present).

• Global Privacy Control (GPC): Where supported, we treat GPC signals as an opt-out of sale/sharing for that browser.

Cookies, Pixels & Analytics

We use cookies and similar technologies (e.g., Meta Pixel, Google Analytics) to operate the site, measure performance, and, where permitted, tailor ads. You can manage cookies through your browser settings. Disabling cookies may affect site functionality.

Security

We use reasonable and appropriate safeguards to protect your information, including encryption in transit, access controls, and monitoring. No method of transmission or storage is 100% secure.

Data Retention

We keep information as long as necessary for the purposes described here, to comply with law, resolve disputes, and maintain business records (including regulatory retention requirements for insurance agents/agencies).

Children’s Privacy

Our Services are not directed to children under 18. We do not knowingly collect information from children under 13.

State-Specific Notices (Summary)

Residents of California, Colorado, Connecticut, Utah, and Virginia may have additional rights (access, correction, deletion, portability, limit use of sensitive data, and opt-out of targeted advertising/sale/sharing). To exercise these rights, email us (see Contact). You may designate an authorized agent, subject to verification.

International Users

Our Services are intended for U.S. residents. If you use them from outside the U.S., you consent to transferring your data to the United States.

Changes to This Policy

We may update this Privacy Policy from time to time. We’ll post the new effective date when we do. Your continued use of the Services means you accept the updated Policy.

Contact Us

Questions or requests about privacy?

Email:[email protected]

Mail (optional): You may provide a mailing address; if you do, we’ll add it here.

Regulatory Disclosures & Role Clarity

• Lotus Nexus Insurance is an independent agency (NPN 21010831).

• We are not HealthCare.gov or a government website.

• We comply with applicable Marketplace broker standards under 45 CFR 155.220 and privacy/security standards under 45 CFR 155.260 for personally identifiable information collected for eligibility and enrollment assistance.