Charles "Choco" Valdez is an independent licensed insurance broker doing business as Texas Insurance for You. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you visit txinsuranceforyou.com, use our online forms, or communicate with us in connection with Medicare, health insurance, life insurance, and related services.
Please read this Privacy Policy carefully. By using this website or submitting information through our forms, you acknowledge that you have read and understand this Privacy Policy.
Charles "Choco" Valdez is an independent licensed insurance broker doing business as Texas Insurance for You. We are not an insurance company, insurance agency, or government entity. We are an individual licensed broker representing multiple insurance carriers in the state of Texas.
NPN: 18970500
Address: 500 6th St, San Antonio, TX 78215
Phone: (210) 714-1775
Email: [email protected]
Website: txinsuranceforyou.com
We are licensed by the Texas Department of Insurance. You may verify our license status at www.tdi.texas.gov.
Name, date of birth, phone number, email address, and mailing address
Medicare status, current plan information, and enrollment history
Names and dates of birth of family members needing coverage Names of doctors and specialists you see
Names of medications you take
Information about your current coverage situation and insurance needs
Your preferences and priorities regarding health insurance coverage
Information about coverage problems, denied claims, or billing disputes
How you found us and referral information
Electronic signatures on Scope of Appointment forms and other compliance documents
Information collected automatically when you visit our website:
IP address and approximate geographic location
Browser type and version
Device type and operating system
Pages visited and time spent on each page
Links clicked and navigation behavior
Referring website or search terms that brought you to our site
Cookie identifiers and similar tracking data
Information collected through third-party tools:
We use Google Analytics, Facebook Pixel, and GoHighLevel (GHL) on this website. These tools automatically collect certain information about your visit as described in Section 5 of this Privacy Policy.
We use the information we collect for the following purposes:
To prepare for and conduct Medicare and health insurance consultations
To check whether your doctors are in the plan networks
To check whether your medications are covered under available plans
To identify Medicare plan options that may be appropriate for your situation, including Special Needs Plans
To verify Medicare eligibility and enrollment status
To identify whether you may qualify for Medicare Savings Programs, Extra Help, or other assistance programs
To complete enrollment in insurance plans you have chosen and authorized
To confirm appointments and send reminders
To send pre-consultation preparation forms and required compliance documents, including Scope of Appointment forms
To follow up after consultations
To notify you of important Medicare enrollment period dates and deadlines
To respond to your questions and inquiries
To maintain Scope of Appointment records as required by federal Medicare rules
To record sales, marketing, and enrollment calls as required by CMS
To fulfill obligations as a business associate of Medicare plan sponsors under HIPAA
To comply with Texas Department of Insurance requirements
To comply with TCPA, CAN-SPAM, and other applicable communications laws
To track which marketing channels and websites are bringing clients to us
To improve the quality of our services
To analyze website performance and user behavior
To prevent fraud and protect the security of our systems
We process your personal information on the following legal bases:
Your consent: when you complete a form, schedule a consultation, or sign a Scope of Appointment
Performance of services: when processing is necessary to provide the insurance services you have requested
Legal obligation: when processing is required by federal Medicare rules, HIPAA, Texas law, or other applicable regulations
Legitimate interests: for business operations such as website analytics and service improvement, where those interests do not override your privacy rights
Our website uses cookies and similar tracking technologies. Cookies are small text files stored on your device that help us and our service providers understand how you use our website.
Types of cookies we use:
Essential cookies: These are necessary for the website to function and cannot be turned off. They are set in response to actions you take, such as booking an appointment or completing a form.
Analytics cookies: We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as pages visited, time spent on the site, and how you arrived at our site. This information is aggregated and does not personally identify you. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on at tools.google.com/dlpage/gaoptout.
Marketing and advertising cookies: We use Facebook Pixel to measure the effectiveness of our advertising and to understand the actions people take on our website. Facebook Pixel may collect information about your visit and connect it to your Facebook account if you are logged in. You can manage your Facebook ad preferences at facebook.com/ads/preferences.
Platform cookies: We use GoHighLevel (GHL) to manage our website, forms, calendars, and automated communications. GHL sets cookies to enable these functions and to track form submissions and appointment bookings.
Your cookie choices: You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete cookies that have already been set. Please note that disabling certain cookies may affect the functionality of our website, including booking and form features. A cookie consent banner on our website allows you to manage your preferences.
We do not sell your personal information. We do not share your personal information with other insurance agents or lead generation companies without your explicit written consent. We may share your information in the following limited circumstances:
With insurance carriers and plan sponsors: When you authorize enrollment in a plan, we share the information necessary to complete that enrollment with the applicable carrier. This sharing is done only with your authorization and only to the extent necessary to complete enrollment.
With service providers: We use the following service providers who may have access to your information solely to perform services on our behalf:
GoHighLevel — website, forms, calendar, and CRM platform
Google Analytics Services
Meta (Facebook) — advertising measurement
Agent Pipeline / Integrity — insurance quoting and enrollment platform
HealthSherpa — ACA marketplace quoting and enrollment platform
Each of these service providers is contractually required to protect your information and use it only for the services they provide to us.
As required by law: We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
With your explicit consent: We may share your information with other parties when you have given us explicit written consent to do so.
Federal Medicare rules on sharing: As required by federal Medicare marketing rules, your personal information collected in connection with Medicare plan enrollment may only be shared with another third-party marketing organization when you have given explicit prior written consent identifying each entity that would receive your data.
As a business associate of the Medicare and health insurance plans we represent, we are subject to the Health Insurance Portability and Accountability Act (HIPAA). We treat information about your health coverage, payment for healthcare, and health conditions as protected health information (PHI) under HIPAA.
We use and disclose PHI only as permitted by HIPAA and only for the following purposes:
To provide the insurance services you have requested
To verify eligibility and coverage
To complete enrollment, you have authorized
As required by law
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We have implemented administrative, physical, and technical safeguards to protect your PHI in accordance with HIPAA requirements. We maintain business associate agreements with the plan sponsors we represent as required by HIPAA.
You have the following rights regarding your PHI:
The right to access your PHI
The right to request correction of inaccurate PHI
The right to request restriction of certain uses and disclosures
The right to receive an accounting of disclosures
The right to file a complaint
To exercise any of these rights or to file a HIPAA complaint, contact us at [email protected] or (210) 714-1775.
You also have the right to file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights at www.hhs.gov/ocr.
Federal Medicare rules require that all sales, marketing, and enrollment calls with Medicare beneficiaries be recorded in their entirety, including the audio portion of calls conducted via web-based technology such as Google Meet. By scheduling and participating in a consultation call, you consent to the recording of that call.
Call recordings are maintained for compliance purposes for a minimum period required by applicable regulations. Recordings may be reviewed by plan sponsors or CMS as part of compliance oversight.
We retain your personal information for the following periods:
Scope of Appointment forms — minimum 10 years as required by Medicare rules
Call recordings — minimum period required by CMS and applicable carrier requirements
Enrollment records — as required by applicable state and federal regulations
General contact and consultation information — as long as necessary to provide services and as required by law
Website analytics data — as configured in Google Analytics and GHL settings
When information is no longer needed, and retention is not required by law, we will securely delete or destroy it.
We implement commercially reasonable administrative, physical, and technical safeguards to protect your personal information including:
Secure, encrypted transmission of data through our website and forms
Access controls limiting who can access personal information
Business associate agreements with service providers
Secure storage of physical documents containing sensitive information
Documented data retention and destruction procedures
No method of transmission over the internet or method of electronic storage is completely secure. While we use commercially reasonable measures to protect your information, we cannot guarantee absolute security.
PlanEnroll (Integrity/Agent Pipeline): Medicare plan quoting and enrollment
HealthSherpa: ACA marketplace plan quoting and enrollment
GoHighLevel: appointment booking and forms
When you click a link to a third-party platform or use a third-party tool linked from our website, you are subject to that platform's own terms of use and privacy policy. We are not responsible for the privacy practices of third-party platforms. We encourage you to review the privacy policies of any third-party platform before providing personal information.
HealthSherpa's Terms of Use and Privacy Notice are available at healthsherpa.com. PlanEnroll is operated by Integrity and governed by Integrity's privacy practices.
Email: [email protected]
Phone: (210) 714-1775
Mail: 500 6th St, San Antonio, TX 78215
We will respond to your request within a reasonable time and in accordance with applicable law.