Privacy Policy

Skyline Benefit Insurance Solutions LLC ("Skyline Benefit," "we," "us," or "our") is a licensed health insurance agency located in Fullerton, California. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, submit a form, request a quote, apply for or enroll in coverage, communicate with us, or use our related agency services.

By using our website or providing information to us, you acknowledge that you have read this Privacy Policy. If you provide information about another person, such as a spouse, dependent, employee, or family member, you represent that you are authorized to do so.

1. Information We Collect

The information we collect depends on how you interact with us and which insurance services you request. We may collect the following categories of information:

• Contact and identifying information: name, mailing address, zip code, email address, phone number, preferred contact method, date of birth, age, gender, household information, and other identifiers you provide.
• Insurance and enrollment information: coverage needs, plan preferences, current coverage, policy numbers, dependent information, employer or group information, qualifying life event information, enrollment history, renewal information, and other information needed to quote, apply for, enroll in, or service health insurance coverage.
• Financial and eligibility information: household income, family size, subsidy or premium tax credit information, payment-related information, and information requested by Covered California, an insurance carrier, employer group, marketplace, government program, or other enrollment platform.
• Sensitive personal information: Social Security number, tax information, immigration or residency information, health information, medical record information, prescription or provider information, and other sensitive information only when reasonably necessary for the insurance service you request or when you choose to provide it.
• Communications and records: emails, text messages, calls, forms, documents, notes, appointment details, signatures, authorizations, consents, and service-related communications.
• Website and device information: IP address, browser type, device information, pages viewed, referral information, cookie identifiers, approximate location derived from device or browser information, and similar usage information.

2. Sources of Information

We may collect information directly from you, from someone authorized to act on your behalf, from employers or plan sponsors when applicable, from insurance carriers, Covered California, government programs, enrollment platforms, service providers, and other sources that help us provide requested insurance services or comply with legal obligations.

3. How We Use Information

We use personal information for legitimate insurance-agency, business, service, compliance, and security purposes, including to:

• Respond to inquiries, schedule consultations, communicate with you, and provide customer support;
• Evaluate your insurance needs and assist with health insurance quotes, plan comparisons, applications, enrollments, renewals, and service requests;
• Submit information to Covered California, insurance carriers, employer groups, government programs, enrollment platforms, or other entities involved in the coverage you request;
• Verify identity, eligibility, household information, subsidy information, enrollment periods, required documentation, or other application details;
• Maintain records, manage our business, train staff, monitor quality, prevent fraud, protect our website and systems, and comply with laws, carrier requirements, marketplace rules, and regulatory obligations;
• Send service-related communications, reminders, renewal notices, updates, and, where permitted, marketing communications about products or services that may be relevant to you.

4. How We Disclose Information

We do not sell personal information. We disclose personal information only as described in this Policy, as authorized by you, as needed to provide requested services, or as permitted or required by law. Categories of recipients may include:

• Insurance carriers, health plans, Covered California, government programs, employer groups, plan administrators, enrollment platforms, and related entities involved in quoting, applying for, enrolling in, servicing, or renewing coverage;
• Licensed agents, employees, contractors, and representatives who need the information to provide services on behalf of Skyline Benefit;
• Technology, website, email, text messaging, customer relationship management, document storage, e-signature, payment, security, and administrative service providers that support our operations and are expected to protect the information;
• Regulators, law enforcement, courts, auditors, carriers, exchanges, or other parties when required by law, subpoena, investigation, regulatory request, complaint process, or to protect rights, safety, and security;
• A successor or prospective successor in connection with a merger, sale, transfer, reorganization, or similar business transaction, subject to appropriate confidentiality and legal requirements.

We do not disclose nonpublic personal financial information to nonaffiliated third parties for their own marketing purposes. We do not disclose nonpublic personal medical record information except as permitted by law and, where required, with your prior written consent.

5. Text Messages, Email, and Marketing Choices

By providing your contact information, you authorize Skyline Benefit and its representatives to contact you regarding inquiries, quotes, applications, enrollments, renewals, service issues, and related insurance matters by phone, email, mail, text message, or other reasonable methods, as permitted by law.

You may opt out of non-essential marketing emails, phone calls, or text messages by following the instructions in the communication or by contacting us. Opting out may not stop service-related, transactional, legal, or coverage-related communications. Message and data rates may apply for text messages.

Mobile phone numbers, text message opt-in data, and SMS consent will not be shared with third parties or affiliates for their own marketing or promotional purposes. We may share this information with service providers that help us send communications on our behalf and are required to protect it.

6. Cookies, Analytics, and Online Tracking

Our website uses essential technologies needed for security and site operation. With your permission, we also use Google Analytics 4 to understand website traffic and improve our services. Google Analytics is not loaded until you choose to allow analytics through our privacy choices banner.

You may choose essential site functions only or allow analytics, and you can change your choice at any time by selecting Cookie settings in the website footer. You can also control cookies through your browser settings. Choosing essential-only does not affect your ability to contact us or use the website.

If third-party analytics, advertising, embedded content, or social media tools are used on our website, those third parties may collect information under their own privacy policies. We are not responsible for the privacy practices of third-party websites or tools.

Because there is no uniform industry standard for responding to browser "Do Not Track" signals, our website may not respond to those signals. To the extent required by applicable California law, we will honor recognized opt-out preference signals, such as Global Privacy Control, for sale or sharing of personal information if such sale or sharing applies to our website.

7. How We Protect Information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information, including staff training, privacy-policy review, access controls, secure storage practices, risk assessments, and service-provider oversight where appropriate. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Please do not send highly sensitive information through ordinary email, text message, or unsecured channels unless we have directed you to a secure method or you understand and accept the risk of using that channel.

8. How Long We Keep Information

We retain personal information for as long as reasonably necessary to provide services, manage our relationship with you, maintain business and licensing records, comply with carrier, marketplace, legal, tax, accounting, and regulatory obligations, resolve disputes, prevent fraud, and enforce agreements. Retention periods may vary depending on the type of information and the reason we collected it.

9. Your Choices and Privacy Rights

You may contact us to request access to, correction of, or deletion of personal information that we maintain about you, or to update your communication preferences. We may need to verify your identity and may deny or limit a request where permitted or required by law, including when information must be retained for insurance, legal, compliance, fraud-prevention, or recordkeeping purposes.

Depending on applicable law and the nature of your relationship with us, California residents may have rights to know what personal information is collected, used, disclosed, sold, or shared; to request deletion; to request correction; to opt out of sale or sharing; to limit certain uses of sensitive personal information; and to be free from discrimination for exercising privacy rights. Skyline Benefit does not sell personal information. To exercise privacy rights, contact us using the information below.

You may designate an authorized agent to submit certain privacy requests on your behalf. We may require proof of authorization and may still need to verify your identity directly, as permitted by law.

10. Health Information and Insurance Privacy

Skyline Benefit is a licensed insurance agency, not an insurance carrier, health plan, medical provider, or government agency. Some information you provide may be subject to additional privacy protections when handled by health plans, carriers, Covered California, government programs, or other covered entities or business associates. To the extent Skyline Benefit handles protected health information or nonpublic personal information under applicable agreements or laws, we will use and disclose it only as permitted by those agreements and applicable law.

Information submitted to Covered California, insurance carriers, health plans, government programs, payment processors, or other third-party platforms may be governed by their own privacy policies, notices, terms, and legal obligations. Please review those notices carefully.

11. Third-Party Websites and Outbound Links

Our website may include links to third-party websites, carriers, marketplaces, government sites, service providers, forms, portals, or resources that are not owned or controlled by Skyline Benefit. We try to link to resources we believe may be helpful, but we are not responsible for the content, availability, security, terms, or privacy practices of third-party websites or services.

12. Children and Dependent Information

Our website and services are intended for adults. We do not knowingly collect personal information directly from children under 13 through our website. We may collect information about children or dependents from a parent, legal guardian, employer, or authorized person when needed for health insurance quotes, applications, enrollment, or servicing.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update it, we will revise the effective date above. Your continued use of our website or services after an update means you acknowledge the updated Policy. Material changes may also be communicated by additional reasonable methods where required by law.

14. Contact Us and Complaints

If you have questions, want to update your information, exercise privacy choices, or make a complaint about this Privacy Policy, please contact us:

Skyline Benefit Insurance Solutions LLC
CA License #0M92208
1301 W Valencia Dr.
Fullerton, CA 92833
Phone: (714) 888-5112
Email: info@skylinebenefit.com

You may also contact appropriate regulatory agencies, including the California Department of Insurance for insurance-related concerns, the California Attorney General or California Privacy Protection Agency for applicable California privacy-law concerns, and the U.S. Department of Health and Human Services Office for Civil Rights for certain HIPAA health information privacy complaints. Skyline Benefit will not retaliate against you for filing a privacy complaint or exercising privacy rights.