Privacy Policy
Last updated: May 12, 2026
Notice: This document is a working draft maintained alongside the launch of the new Nexus Insurance site. A licensed attorney will review and finalize it before the production cutover. Until then, the substance below describes our actual practices.
Who we are
Nexus Insurance ("we", "our", "Nexus") is a marketing service that connects US residents with US-licensed insurance agents in their state. We are not an insurance company. We do not sell or issue policies. All advice, quoting, and enrollment is performed by independent licensed agents. We help with plans available through the federal and state Health Insurance Marketplaces under the Affordable Care Act (ACA).
What we collect
- Contact information you provide: name, phone, email, ZIP code, state, age, household size, and rough income range — collected through our lead forms and follow-up conversations.
- Application information: if you choose to enroll, additional data required by HealthCare.gov or a state Marketplace (Social Security Number, immigration status documents, household income detail). This information is transmitted directly to the Marketplace and is not stored in our marketing databases.
- Site analytics: standard analytics (page views, referrers, anonymized IP, device class) via privacy-friendly tooling. We do not use surveillance pixels.
- Communications: records of phone calls, WhatsApp messages, and emails between you and our agents, retained for licensing compliance and quality assurance.
How we use it
- To return your call or message and provide a quote.
- To compare plans across the carriers we are appointed with in your state.
- To submit your Marketplace application, when you authorize us to do so.
- To meet legal, regulatory, and licensing-board obligations.
- To improve our service. We do not sell your personal information to third parties.
Phone, text, and WhatsApp consent (TCPA)
When you submit our form or share your number, you consent to be contacted by a licensed agent from Nexus Insurance at the number you provided — by phone call, SMS, or WhatsApp — including by automated means. Standard message and data rates may apply. Consent is not a condition of any purchase. You may opt out at any time by replying STOP to any text message or by emailing contact@mynexusinsurance.com.
HealthCare.gov confidentiality
Per Section 1411(g) of the Affordable Care Act, information you submit through a Marketplace application — including the immigration status of household members — is treated as confidential and is not shared with Immigration and Customs Enforcement (ICE) or used for immigration enforcement. We follow the same standard internally.
Sharing
We share information only as needed to deliver the service you requested:
- With independent US-licensed insurance agents in your state, who do the actual quoting and enrollment.
- With insurance carriers when an agent runs a quote or submits an application on your behalf.
- With HealthCare.gov, a state Marketplace, or CMS as part of the enrollment process.
- With service providers under contract (CRM such as GoHighLevel, telephony such as Twilio, email, WhatsApp) bound by confidentiality terms.
- When required by law, valid subpoena, or licensing-board audit.
International data processing
Our customer service team and CRM operations may be performed by personnel and service providers located outside the United States, including in Colombia. By submitting your information through this site or speaking with our team, you understand that your information may be transferred to, stored in, or processed in countries other than your country of residence. We apply the same confidentiality standards regardless of where your data is processed. If you have questions about international data processing, contact us at the email address below.
Your rights
You may ask us to access, correct, or delete the personal information we hold about you (subject to retention requirements imposed by carriers, the Marketplace, and applicable law). Residents of California, Colorado, Virginia, and other states with comprehensive privacy laws have additional rights under those laws. To exercise any right, email contact@mynexusinsurance.com.
Security and retention
We use industry-standard administrative, technical, and physical safeguards to protect your information. We retain records as required by insurance regulators and tax authorities — typically seven years from the last interaction — unless a shorter retention period is permitted by law.
Children
Our site is not directed to children under 13. We do not knowingly collect their information. We do collect information about children as household members for the purpose of enrolling a family in a Marketplace plan, with the consenting parent or guardian acting on their behalf.
Changes
We may update this policy. Material changes will be reflected in the "Last updated" date above and, where appropriate, in a notice on this page.
Contact
Questions about this policy? Email contact@mynexusinsurance.com or call (555) 010-0100.