Privacy Policy

Accent Health Solutions("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or contact us for information about Medicare insurance products and agency partnership opportunities. Please read this policy carefully. By using our website or submitting information to us, you agree to the practices described herein.

We collect only the information you voluntarily provide to us, which may include:

• Contact Information: Your name, email address, phone number, and mailing address when you fill out a contact or inquiry form.
• Business Information: Agency name, license numbers, and state(s) of operation when you inquire about joining our network.
• Communications: The content of messages you send us through our contact form or via email.

We do not use cookies, tracking pixels, analytics scripts, or any other passive tracking technologies on this website. We do not collect information automatically as you browse.

We use the information you provide solely to:

• Respond to your inquiries and communicate with you about our services.
• Evaluate agency partnership applications and onboard new partner agencies.
• Provide information about Medicare insurance products, carrier contracts, and industry resources relevant to your request.
• Comply with legal and regulatory obligations applicable to Medicare insurance marketing organizations (FMOs/IMOs) under the Centers for Medicare & Medicaid Services (CMS) regulations.
• Maintain business records as required by applicable law.

We do not use your information for automated decision-making, profiling, or unsolicited marketing without your express consent.

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Service Providers: We use Resend, a transactional email service, to deliver messages submitted through our contact form. Resend processes your data solely to facilitate email delivery on our behalf and is contractually prohibited from using your data for other purposes.
• Insurance Carriers & CMS: Where required to process agency appointments or comply with CMS marketing guidelines, we may share relevant licensing and appointment information with insurance carriers or regulators.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority, or to protect the rights, property, or safety of our company, partners, or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

As a Medicare Field Marketing Organization (FMO), we operate in compliance with CMS guidelines governing the marketing of Medicare Advantage (Part C) and Medicare Prescription Drug (Part D) plans, including CMS Medicare Marketing Guidelines (MMG). Our website is an informational and recruitment resource for licensed insurance agents and agencies; it is not intended to solicit Medicare beneficiaries or collect Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act (HIPAA). We do not collect Medicare beneficiary health information through this website. If you believe any interaction with our website has inadvertently involved PHI, please contact us immediately at accenthealthsolutions@gmail.com.

We implement commercially reasonable technical and organizational safeguards to protect your information from unauthorized access, alteration, disclosure, or destruction. Our website is encfored with HTTPS at all endpoints. Contact form submissions are transmitted securely via Resend's encrypted email delivery infrastructure. No method of transmission over the internet is 100% secure; however, we are committed to protecting your data using industry-standard practices and will notify you promptly in the event of a breach affecting your personal information.

We retain personal information only for as long as necessary to fulfill the purposes described in this policy or as required by applicable law. Contact form inquiries that do not result in a business relationship are generally retained for no longer than 24 months. Information related to active agency partnerships is retained for the duration of the relationship and for a minimum of seven (7) years thereafter, as required by insurance regulatory standards.

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal retention obligations.
• Opt out of any future communications from us at any time.

To exercise any of these rights, please contact us at accenthealthsolutions@gmail.com. We will respond to verifiable requests within 30 days.

Our website may contain links to carrier websites, CMS resources, or other third-party sites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party site you visit.

Our website is 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 information to us, please contact us at accenthealthsolutions@gmail.com and we will promptly delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Material changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the revised policy.

If you have questions or concerns about this Privacy Policy, please contact us: