Protecting your privacy is very important to us. We’re telling you about Lyons & Associates’ privacy policy so you know what information we collect, why we collect it, and what we do with it.
Lyons & Associates collects information from visitors who read, browse, and/or download information from our site. We do this so we can understand how the public uses the site and how to make it more helpful.
Why did we give you this notice?
This Privacy Notice Statement sets forth information Lyons & Associates, Inc. is required by law to provide to you before collecting any Personally Identifiable Information (“PII”). Please read it carefully and contact us to discuss any questions or concerns.
What information will we request from you?
We may need to collect certain information about you, including PII, for exchange-related and other permitted purposes, including to provide you with information regarding your health insurance coverage options and your eligibility for insurance affordability programs. PII is information that can be used, either on its own or with other information, to identify you or trace your identity. PII may include the following information.
- Name
- Physical or e-mail address
- Date of birth
- Telephone number
- Social Security Number
- Income information
- Mother’s maiden name
- Credit or debit card numbers
- Other purposes as permitted under applicable law
This is not a complete list.
How will we use your information?
We will use only the information that we need to perform authorized functions or provide other services as permitted under applicable law. The following are some of the functions that we may perform and services that we may provide:
- Providing you with information about your health insurance coverage options and insurance affordability programs for which you may be eligible.
- Helping with your application for insurance. Answering questions about your eligibility.
- Helping to enroll you in a qualified health plan.
- Helping with filing appeals of eligibility determinations.
- Correcting errors in your application.
- Other services as permitted under applicable law.
This is not a complete list.
Will we share your information with anyone?
We may only share your information as described in this notice. We may share your information with your authorized or legal representative, certain federal or state agencies, health insurance issuers, or subcontractors that help us to provide services to you. We must receive your permission to share your information for any purpose that is not described in this notice.
Is the request to collect your information mandatory or voluntary?
Your decision to provide your information is voluntary. We need to obtain your informed consent for any use or disclosure of information that is not permissible within the scope of this Privacy Notice Statement and any relevant agreements that were in effect as of the time the PII was collected.
What happens if you decline to provide your information with us?
You have the right to refuse to provide PII, or to limit the PII you provide, to us. However, if you refuse to provide your PII, we may be unable to successfully enroll you in a health plan or otherwise assist in facilitating your receipt of Advance Premium Tax Credits or Cost-Sharing Reductions. In such case, we may attempt to refer you or your legal or authorized representative to another person or entity who may be able to help you.
What is the legal authority to collect PII?
Federal laws and regulations permit us to collect PII for various reasons. Federal laws and regulations include Section 1411(g) of the Patient Protection and Affordable Care Act (42 U.S.C. 18081(g) and 45 C.F.R. 155.260) and 45 CFR 155.220.
