Privacy Policy
Introduction
KJM Health LLC (“KJM Health,” “we,” “us,” or “our”) operates the website kylecoverage.com and provides independent health insurance brokerage services. We are committed to protecting your personal information and your right to privacy.
This Privacy Policy explains what information we collect, how we use it, and what rights you have in relation to it. By using our website or requesting our services, you agree to the collection and use of information in accordance with this policy.
If you have any questions or concerns, please contact us at the information provided at the end of this document.
1. Information We Collect
We collect personal information that you voluntarily provide to us when you request a health insurance quote, enroll in a plan, or otherwise contact us through our website, phone, email, or text message.
Personal Information We Collect
- Full Name — to identify you and generate accurate quotes.
- Date of Birth — to determine age-rated premium pricing.
- Zip Code — to identify plans available in your geographic service area.
- Email Address — to deliver quotes, enrollment documents, and service communications.
- Phone Number — to contact you regarding your quote request, enrollment assistance, and ongoing service via phone call or SMS text message.
Information Collected Automatically
When you visit kylecoverage.com, we may automatically collect certain technical information, including:
- IP address
- Browser type and version
- Pages visited and time spent on pages
- Referring website address
- Device type and operating system
This information is collected through cookies and similar tracking technologies and is used solely to improve website performance and user experience. It is not used to personally identify you unless combined with the personal information you submit.
2. How We Use Your Information
We use the personal information we collect exclusively for the following purposes:
- Generating Health Insurance Quotes — We submit your information to licensed insurance carriers and the Federally Facilitated Marketplace (Healthcare.gov / CMS) to retrieve accurate plan options and premium estimates.
- Enrollment Assistance — We use your data to help you complete enrollment in a health insurance plan of your choosing.
- Client Communication — We contact you via phone, email, or SMS text message to discuss your quote, answer questions, assist with enrollment, and provide ongoing policy support.
- Legal and Regulatory Compliance — We maintain records as required by applicable state and federal insurance regulations.
We do not use your information for any purpose unrelated to your health insurance needs.
3. How We Share Your Information
KJM Health LLC does not sell, rent, lease, or distribute your personal information to third-party lead generators, marketing firms, call centers, or outside agencies. Period.
We share your personal information only under the following limited circumstances:
Insurance Carriers and the Federally Facilitated Marketplace
To provide you with accurate health insurance quotes and process enrollments, we transmit necessary personal information to licensed insurance carriers and to the Centers for Medicare & Medicaid Services (CMS) via Healthcare.gov. This is the core function of our brokerage service and is required to serve you.
Legal Obligations
We may disclose your information if required to do so by law, regulation, legal process, or enforceable governmental request, including compliance with state Departments of Insurance, CMS, or court orders.
Business Transfers
In the event of a merger, acquisition, or sale of all or a portion of our business assets, your personal information may be transferred as part of that transaction. You will be notified of any such change in ownership or control.
With Your Consent
We may share your information with additional parties only if you provide explicit, informed consent.
4. Data Security
We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Encryption of data in transit (SSL/TLS)
- Restricted access to personal data on a need-to-know basis
- Secure storage of electronic records
- Regular review of data handling practices
While we take data security seriously, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information to the best of our ability.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including ongoing client service, and to comply with our legal, regulatory, and record-keeping obligations. If you request deletion of your data, we will honor that request to the extent permitted by applicable law.
6. Your Rights and Choices
Depending on your state of residence, you may have the following rights regarding your personal information:
- Access — You may request a copy of the personal data we hold about you.
- Correction — You may request that we correct inaccurate or incomplete information.
- Deletion — You may request that we delete your personal information, subject to legal and regulatory retention requirements.
- Opt-Out of Communications — You may opt out of SMS text messages at any time by replying STOP to any message. You may opt out of email communications by clicking the unsubscribe link in any email. You may request removal from our phone contact list by contacting us directly.
To exercise any of these rights, please contact us using the information in Section 10.
7. California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). KJM Health LLC does not sell personal information as defined under the CCPA. You may contact us to request access to, or deletion of, your personal data.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted personal information to us, please contact us immediately and we will take steps to delete it.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. We encourage you to review this page periodically. Your continued use of our services after any changes constitutes acceptance of the updated policy.
10. Contact Us
If you have questions about this Privacy Policy, wish to exercise your data rights, or have concerns about how your information is handled, please contact us:
KJM Health LLC
Email: kyle@kylecoverage.com
Website: kylecoverage.com
Disclaimer
KJM Health LLC is an independent, licensed health insurance brokerage. We are not affiliated with, endorsed by, or connected to the United States government, the federal Medicare program, or any government agency. Our services involve helping individuals find and enroll in health insurance plans available through private carriers and the Federally Facilitated Marketplace (Healthcare.gov).