Privacy Policy
RTM Brokers of Florida ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website, contact us, or use our services.
1. Information We Collect
- Contact information: name, address, phone number, email
- Identification information: date of birth, Social Security number, immigration document numbers (where required for Marketplace enrollment)
- Insurance-related information: household information, income information, health plan selections, and health information required for ACA enrollment
- Payment information: billing address, payment method details
- Website usage data: IP address, browser type, pages visited, cookies, and the values you enter in our subsidy estimator (which are not stored unless you submit a form)
- Communications: phone calls, SMS messages, emails, WhatsApp messages, and online form submissions
2. How We Collect Information
Directly from you when you complete a form on our website, call or text us, visit our office, sign applications or authorizations, or communicate with our agents via any channel.
3. How We Use Your Information
- Provide plan comparisons and complete Marketplace enrollments and renewals
- Service your coverage, process payments, and assist with carrier issues
- Send transactional SMS, calls, and emails (payment reminders, document requests, renewals, CMS agent-authorization requests)
- Respond to your inquiries
- Comply with legal, regulatory, and licensing obligations, including 45 CFR §155.220 and §155.260
- Improve our services and website
4. SMS Messaging and Opt-In Data
We do not sell, rent, or share your mobile phone number, SMS opt-in data, or text-messaging consent information with any third parties for marketing or promotional purposes. See our SMS Terms & Conditions.
5. How We Share Information
- Insurance carriers and the Health Insurance Marketplace to complete and service enrollments
- Enrollment and service providers (e.g., enhanced direct enrollment platforms, CRM, e-signature, communications providers) under confidentiality obligations
- Government agencies and regulators when required by law (e.g., Florida Department of Financial Services, CMS)
- Other parties only with your explicit written consent
We do not sell your personal information.
6. Cookies and Tracking
Our website uses cookies and similar technologies to improve user experience and measure traffic. Specifically, we use Google Analytics (Google LLC) and the Meta Pixel (Meta Platforms, Inc.) to understand how visitors use our site and to measure the effectiveness of our advertising. These tools may collect information such as pages visited, device type, and approximate location. We do not send health information, subsidy estimates, or form contents to these tools. You can control cookies through your browser settings, opt out of Google Analytics at tools.google.com/dlpage/gaoptout, and manage Meta ad preferences at facebook.com/ads/preferences.
7. Data Security
We implement administrative, technical, and physical safeguards designed to protect your personal information. No method of transmission or storage is 100% secure.
8. Your Rights
You may request access to, correction of, or deletion of your personal information (subject to legal and contractual obligations), opt out of marketing communications, and opt out of SMS by replying STOP.
9. Children's Privacy
Our website is not directed to individuals under 18. We collect information about minors only as necessary to enroll them in coverage as dependents, with the consent of a parent or guardian.
10. Third-Party Links
We are not responsible for the privacy practices of third-party websites.
11. Changes to This Policy
Changes will be posted on this page with an updated "Last Updated" date.
12. Contact Us
RTM Brokers of Florida, Inc.
18901 SW 106th Ave, Suite 124, Cutler Bay, FL 33157
Phone: 305.615.1753
Email: info@rtmbrokers.com