Privacy Policy

1. Information We Collect

When you browse our website, request rate calculations, request plan brochures, or submit an inquiry to speak with an authorized insurance broker, we may collect the following categories of information:

• Contact Information: First and last name, email address, telephone number, and residential ZIP code.
• Demographic & Plan Eligibility Data: Age or date of birth, state of residence, coverage tier desired (Individual, Individual + Spouse, Individual + Children, or Family), and target policy effective date.
• Application Data: When assisting you with an enrollment application to Continental Life Insurance Company of Brentwood, Tennessee (an Aetna company), we collect necessary applicant data such as legal address, Social Security Number (or taxpayer ID), payment method (EFT banking details or credit card), and prior dental coverage history (for Option 2 prior-coverage credit).
• Technical & Usage Information: Internet Protocol (IP) address, browser type, device identifiers, referring URLs, and session interaction data collected via standard cookies, tracking pixels, and analytics services to improve website functionality.

2. How We Use Your Information

HealthLink Insurance Agency LLC uses collected information exclusively for legitimate insurance business purposes, including:

• Providing customized premium quotes and official benefit schedules for Aetna Dental, Vision and Hearing Flex plans.
• Connecting you with Nick Loucks (Agent of Record, NPN: #21137267) or another licensed HealthLink broker.
• Facilitating direct carrier enrollment and policy issuance with Continental Life Insurance Company / Aetna.
• Verifying provider network participation for your local dentists.
• Communicating policy updates, annual rate adjustments, or regulatory notices.
• Complying with state Department of Insurance reporting, licensing audits, and record retention rules.

4. Disclosures to Third Parties

We never sell your data to unaffiliated lead aggregators. Disclosures are limited to:

• The Underwriting Carrier: Continental Life Insurance Company of Brentwood, Tennessee, an Aetna Company, to underwrite, approve, issue, and administer your policy.
• Third-Party Administrators: Network administrators such as Careington Dental and claims processing vendors.
• Secure Technology Providers: Cloud hosting, encrypted customer relationship management (CRM) software, and secure email providers bound by strict confidentiality agreements.
• Legal & Regulatory Authorities: When required by court subpoena, state Department of Insurance investigation, or applicable law.

5. Cookies, Pixels & Tracking Technologies

Our website uses cookies and web beacons to optimize page speed, preserve your quote form selections across sessions, and evaluate the effectiveness of our educational materials. You may adjust your browser settings to refuse cookies; however, certain interactive features (such as instant premium calculators) may function with reduced capabilities.

6. Data Security & Retention

We employ industry-standard Transport Layer Security (TLS 1.3 / SSL 256-bit) encryption for all transmitted form data. Policy records and client communications are retained in compliance with state insurance record-keeping mandates (typically 5 to 7 years following policy termination).

7. State-Specific Consumer Rights

Residents of California (CCPA/CPRA), Colorado, Virginia, Illinois, and other states with comprehensive consumer privacy statutes have specific rights regarding their personal information:

• Right to know what personal data is collected and how it is processed.
• Right to request deletion of non-essential personal information (subject to insurance record retention requirements).
• Right to correct inaccurate personal records.
• Right to non-discrimination for exercising statutory privacy rights.

To exercise any of these rights, contact our Privacy Compliance Officer at support@aetnaplan.com or call 1-855-594-4446.