Your information, handled like it's ours
Effective date: October 12, 2026
The short version: we collect only what helping you requires, we use it to quote and service your coverage, we share it with carriers only to do that job, and we never sell it. Ever.
What we collect
Information you give us when requesting a quote or becoming a client: name, contact details, ZIP code, household size, birthdates, income estimates for subsidy calculations, and — when a plan requires it — health information. Our website also collects standard technical data (pages visited, device type, and how you reached us — for example a search ad or a referring site) through analytics and advertising tools, including the visitor-identification service described below. When you submit a form after clicking one of our Google ads, the email address or phone number you entered is hashed in your browser and sent to Google Ads so that it can measure whether the ad led to your enquiry; Google cannot read the original value from the hash.
How we use it
To compare plans for you, check subsidy eligibility, complete enrollments you approve, service your policies (renewals, claims questions, changes), and reply when you contact us. We may send occasional service messages — enrollment deadlines, renewal reviews — and you can opt out of anything that isn't required servicing.
Who we share it with
Insurance carriers and the federal marketplace, solely to quote and enroll the coverage you ask about; our strategic partner USA Benefits Group where servicing requires it; and service providers under confidentiality obligations (secure form processing, e-signature). We do not sell, rent or trade your personal information to anyone, and we don't share it for third-party marketing.
Website chat assistant
Our site offers an automated chat assistant. If you use it, the messages you type and the conversation needed to answer you are transmitted to Anthropic PBC, the artificial-intelligence service provider that powers the assistant, to generate responses. Please do not share medical, financial, or other sensitive personal details in chat. If you ask the assistant to send your contact information to our office, the conversation transcript is emailed to us so we can follow up. Chat use is otherwise covered by this policy.
Visitor identification (FullThrottle)
Our website loads a tag from FullThrottle Technologies, LLC, a marketing-data company, to help us learn which households visit our site. On each page you view, the tag sets a long-lived cookie and sends FullThrottle the page address, the site that referred you, your browser type and language, and your IP address. FullThrottle may combine this with information from other sources to recognize your device on later visits and to associate your visit with a household, and it states that its technology can recognize a device even after cookies are cleared. We use what FullThrottle reports to understand who is interested in our services and for our own marketing. The tag also asks your browser for your device's precise location. If you allow it, FullThrottle receives that location and updates it while the page is open; if you decline, FullThrottle may still estimate your location from your IP address. FullThrottle's handling of this information is governed by its privacy policy (opens in a new tab), which explains how to opt out.
How we protect it
Encrypted transmission on our forms, access limited to licensed staff who need it to serve you, and retention only as long as insurance regulations require.
Your choices
Ask us any time what we hold about you, request corrections, or ask us to delete information we aren't legally required to keep. Opt out of non-essential communication with one reply.
Contact
Privacy questions: info@bbs-insurance.com or (816) 205-4664 · BBS Insurance Inc., 1327 Burlington St, North Kansas City, MO 64116. See also Licensing & Disclosures.
This policy is reviewed with counsel before launch and re-dated whenever it materially changes.