Privacy Policy

1. Information We Collect

When you interact with OceanBlue Alliance, we may collect the following personal information that you voluntarily provide to us:

• Contact Details: Full name, telephone number (including mobile phone numbers), and email address.
• Insurance Inquiry Data: Coverage preferences (Individual/Family Health, ACA/Marketplace, Medicare, Term Life, Whole Life, Final Expense), preferred contact times, and general timeline for policy inception.
• Technical and Usage Information: IP address, browser type, device identifiers, and pages visited, collected through standard web server logs and cookies to ensure site security and proper operation.

2. How We Use Your Information

We use your information exclusively for legitimate insurance brokerage and customer support operations, including:

• Fulfilling your explicit requests for health and life insurance rate quotes, plan comparisons, and carrier eligibility.
• Connecting you with an authorized, licensed insurance professional who can answer questions about policy benefits.
• Sending two-way conversational text messages (SMS), appointment confirmations, policy status notifications, and customer service updates when you have provided prior express consent.
• Complying with regulatory obligations and state insurance licensing mandates.

3. Mobile Terms & SMS Consent Policy

By opting into SMS communications through our contact or quote request forms, you consent to receive informational and transactional text messages from OceanBlue Alliance.

• Opt-In Consent: Mobile phone numbers collected for SMS communication will be used solely for communicating with you regarding your insurance inquiry and policy support. Opt-in is completely voluntary and is not a condition of purchasing insurance products or services.
• Message Frequency: Message frequency varies based on your inquiry and communication needs.
• Message and Data Rates: Standard message and data rates may apply depending on your wireless carrier plan.
• Opt-Out Mechanism: You can cancel SMS messages at any time. Simply reply STOP to any message received from us. Upon doing so, we will send an immediate confirmation of your unsubscribe status, and no further text messages will be sent to that number unless requested again.
• Assistance & Help: For assistance, reply HELP to any text message, or email us at privacy@oceanbluealliance.com or info@oceanbluealliance.com.
• Carriers Disclaimer: Wireless carriers are not liable for delayed or undelivered messages.

4. Data Protection & Security

We implement industry-standard technical, administrative, and physical security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. We utilize SSL/TLS encryption for all web form submissions.

5. Sharing of Information

We do not sell, rent, trade, or lease your personal information to third parties. We only share information with:

• Direct Insurance Carriers: Strictly when you request an application for an insurance policy from a specific carrier (e.g., Blue Cross Blue Shield, UnitedHealthcare, Mutual of Omaha) to bind coverage at your explicit instruction.
• Essential Service Providers: Trusted technology vendors (such as secure CRM and telecommunication routing platforms) operating under confidentiality agreements who assist in delivering our services.
• Legal Authorities: Only when required by law, subpoena, or governmental regulatory authority.

As stated in Section 3, text messaging originator opt-in data and consent are strictly excluded from any sharing and will never be shared with third parties or affiliates.

6. Your Rights and Choices

You have the right to request access to the personal data we hold about you, request corrections, or request deletion of your information from our active contact lists. To exercise these rights, please contact our privacy compliance officer using the details below.

7. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our mobile messaging practices, please reach out to us:

• Agency Name: OceanBlue Alliance
• Email: privacy@oceanbluealliance.com
• General Inquiries: info@oceanbluealliance.com