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Privacy Policy
At DelAngel Insurance, we are committed to protecting the privacy and confidentiality of our website visitors and users. This Privacy Policy outlines how we collect, use, and protect your personal information when you visit our website or use our services. By accessing or using DelAngelInsurance.com, you agree to the terms and conditions of this Privacy Policy.
Information We Collect:
1.1 Personal Information: When you visit our website or use our services, we may collect personal information that you provide voluntarily, such as your name, email address, phone number, and any other information you choose to provide.
1.2 Usage Information: We may collect non-personal information about your interaction with our website, such as your IP address, browser type, operating system, and referring URL. This information helps us improve our website and provide a better user experience.
Use of Information:
2.1 Personal Information: We may use the personal information you provide to respond to your inquiries, process your requests, provide the requested services, and communicate with you regarding our services and promotional offers.
2.2 Usage Information: We use non-personal information to analyze trends, track user movements on our website, and gather demographic information to improve our website's functionality and content.
Information Sharing:
3.1 Third-Party Service Providers: We may share your personal information with trusted third-party service providers who assist us in operating our website, conducting our business, and providing services to you. These service providers are obligated to keep your information confidential and are not allowed to use it for any other purpose.
3.2 Legal Requirements: We may disclose your personal information if required by law or in good faith belief that such action is necessary to comply with legal obligations, protect our rights, or investigate any fraudulent activities.
Cookies and Tracking Technologies:
4.1 Cookies: We use cookies, web beacons, and similar technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us remember your preferences and improve the performance of our website.
4.2 Third-Party Analytics: We may use third-party analytics services to collect and analyze usage information. These services may use cookies and similar technologies to track and report website traffic. The information generated by these cookies is anonymous and does not personally identify you.
Security:
We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Links to Third-Party Websites:
Our website may contain links to third-party websites. We have no control over the content, privacy policies, or practices of these websites and encourage you to review their respective privacy policies.
Updates to the Privacy Policy:
We reserve the right to update or modify this Privacy Policy at any time without prior notice. Any changes will be effective immediately upon posting the revised Privacy Policy on our website.
Contact Us:
If you have any questions or concerns regarding this Privacy Policy or our privacy practices, please contact us at info@delangelinsurance.com
Terms of Service for DelAngelInsurance.com
These Terms of Service ("Terms") govern your access to and use of DelAngelInsurance.com ("the Website") provided by DelAngel Insurance ("we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use the Website.
Website Content:
1.1 Ownership: All content, including text, graphics, images, logos, and software available on the Website, is owned by or licensed to DelAngel Insurance and is protected by intellectual property laws.
1.2 Use of Content: The content on the Website is provided for informational purposes only and may not be reproduced, distributed, transmitted, or otherwise used without our prior written consent. You may access and view the content on the Website for personal, non-commercial use only.
1.3 Modifications: We reserve the right to modify, update, or remove any content on the Website at our discretion and without prior notice. We do not guarantee the accuracy, completeness, or timeliness of the content and disclaim any liability arising from reliance on such information.
2. User Conduct:
2.1 Prohibited Activities: When using the Website, you agree not to:
a) Violate any applicable laws, regulations, or third-party rights.
b) Engage in any fraudulent, misleading, or deceptive activities.
c) Impersonate any person or entity or falsely represent your affiliation with any person or entity.
d) Interfere with or disrupt the Website's functionality or security.
e) Upload or transmit any viruses, malware, or other harmful code.
f) Collect or harvest any personally identifiable information from other users without their consent.
2.2 User Contributions: If you submit any content, feedback, or suggestions to us through the Website, you grant us a non-exclusive, worldwide, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content for any purpose.
3. Links to Third-Party Websites:
The Website may contain links to third-party websites or resources. We do not endorse or have any control over the content, services, or practices of these third-party websites. You acknowledge and agree that we are not responsible or liable for any damages or losses resulting from your use of any third-party websites.
4. Disclaimer of Warranties:
THE WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
5. Limitation of Liability:
IN NO EVENT SHALL DELANGEL INSURANCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.
6. Indemnification:
You agree to indemnify, defend, and hold DelAngel Insurance and its affiliates, officers, directors, employees, and agents harmless from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Website, violation of these Terms, or any third-party rights.
7. Governing Law and Jurisdiction:
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction]. Any dispute arising out of or relating to these Terms or the use of the Website shall be subject to the exclusive jurisdiction of the courts located in [Your Jurisdiction].
8. Severability:
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue to be in full force and effect.
9. Entire Agreement:
These Terms constitute the entire agreement between you and DelAngel Insurance regarding the use of the Website and supersede any prior or contemporaneous agreements, communications, or understandings, whether oral or written.
If you have any questions or concerns about these Terms, please contact us at [email protected]
Frequently Asked Questions
What is Obama Care and how does it affect my health insurance?
Obama Care, officially known as the Affordable Care Act, is a healthcare reform law aimed at making healthcare more accessible and affordable. It provides options for individuals and families to obtain health insurance coverage through the Health Insurance Marketplace, with subsidies available based on income and other factors.
How do I know if I qualify for Obama Care coverage?
Eligibility for Obama Care coverage depends on various factors, including income, household size, and citizenship status. We can help assess your eligibility and guide you through the application process to determine if you qualify for subsidized health insurance through Obama Care.
What types of health insurance plans are available under Obama Care?
Obama Care offers a range of health insurance plans, including Bronze, Silver, Gold, and Platinum plans. These plans differ in terms of coverage levels and costs, allowing individuals and families to choose the plan that best suits their needs and budget.
How can I enroll in an Obama Care health insurance plan?
Enrolling in an Obama Care health insurance plan can be done during the annual Open Enrollment period or during a Special Enrollment Period if you experience a qualifying life event. We can assist you with the enrollment process, helping you understand your options and choose the most suitable plan.
Can I keep my current doctor or healthcare provider with an Obama Care plan?
Most Obama Care plans offer a network of healthcare providers, and it's important to review the plan's network to ensure your preferred doctor or healthcare provider is included. We can help you navigate the network options and find a plan that allows you to continue seeing your current healthcare provider.
How does life insurance work, and why is it important?
Life insurance provides financial protection for your loved ones in the event of your passing. It offers a lump-sum payment (death benefit) to your beneficiaries, which can be used to cover expenses, replace lost income, or pay off debts. We can help you understand the different types of life insurance policies available and find a plan that suits your specific needs and goals.
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