Privacy Policy

Effective Date: August 24, 2026

Eterna Life & Health (“Eterna,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use and disclose it, and the choices available to you.

This Privacy Policy applies to the Eterna Life & Health website, online forms, insurance-assistance services, and communications with our licensed insurance agents.

1. Information We Collect

Depending on how you use our website or services, we may collect:

• Name

• Email address

• Telephone number

• ZIP code and address

• Date of birth

• Household size and household-member information

• Estimated household income

• Medicare or Medicaid eligibility information

• Current insurance coverage

• Preferred insurance carrier or plan

• Doctors, prescription medications, pharmacies, and coverage preferences

• Information you voluntarily provide through forms, telephone calls, emails, or appointments

• Technical information such as browser type, device type, IP address, pages visited, and website interactions

When additional information is required to complete an insurance application or determine eligibility, it may be collected through a secure enrollment platform, insurance carrier, HealthCare.gov, or another authorized service. Information entered directly on another organization’s platform is also governed by that organization’s privacy policy.

Please do not submit Social Security numbers, financial account information, or other highly sensitive information through a general website contact form or ordinary email unless specifically instructed to use an approved secure method.

2. How We Use Your Information

We may use your information to:

• Respond to your questions and requests

• Contact you about Medicare, Marketplace, or other health insurance coverage you requested

• Determine potential eligibility for insurance programs, subsidies, or plan options

• Compare available insurance plans

• Assist with insurance applications and enrollments

• Create or update your insurance contact record

• Communicate with insurance carriers, enrollment platforms, and government marketplaces when necessary to provide requested services

• Schedule appointments and provide customer service

• Maintain records required for licensing, compliance, and insurance-related purposes

• Improve the performance, accessibility, security, and usefulness of our website

• Detect or prevent fraud, misuse, security incidents, or unlawful activity

• Comply with applicable laws, regulations, subpoenas, court orders, or government requests

We use personal information only for legitimate insurance-assistance, operational, compliance, and customer-service purposes.

3. We Do Not Sell Personal Information or Leads

Eterna Life & Health does not sell, rent, or trade consumers’ personal information.

We do not sell leads or provide consumer information to unrelated insurance agencies for their independent marketing. Information submitted to Eterna is used to help the consumer obtain information about or apply for insurance coverage and to operate our agency.

4. When Information May Be Disclosed

We may disclose information only as reasonably necessary to provide requested services or operate our agency, including to:

• Insurance carriers whose plans you ask us to evaluate or apply for

• HealthCare.gov and the Health Insurance Marketplace

• Medicare-related enrollment and quoting platforms

• HealthSherpa or other authorized enrollment technology providers

• Website hosting, scheduling, communications, data-storage, and security providers

• Government agencies, regulators, law enforcement, courts, or other parties when required by law

• Professional advisers or service providers that assist us with legal, compliance, accounting, cybersecurity, or business operations

These disclosures are not sales of personal information. Service providers are permitted to access information only as necessary to perform services for us or for you, subject to their agreements and applicable law.

We will not authorize an unrelated agency to contact you independently unless you have been clearly informed and provided any consent required by law.

5. Telephone, Email, and Text Communications

If you provide your contact information and request assistance, we may contact you regarding the insurance services, appointments, applications, or coverage information you requested.

If you separately consent to receive text messages, telephone calls, or marketing communications, your consent is not a condition of purchasing or enrolling in an insurance plan. Message and data rates may apply.

You may ask us to stop promotional communications at any time by:

• Replying “STOP” to a text message

• Using an unsubscribe link in an email, when available

• Calling 313-200-0200

• Emailing us at [INSERT EMAIL ADDRESS]

We may still send non-promotional communications necessary to respond to your request, service an application, or comply with legal obligations.

6. Cookies and Website Technology

Our website and its service providers may use cookies and similar technologies necessary to:

• Operate website features

• Remember user preferences

• Protect website security

• Understand general website traffic and performance

• Identify and correct technical problems

Your browser may allow you to block or delete cookies. Blocking necessary cookies may prevent some website functions from working correctly.

We do not knowingly use cookies to sell your personal information. If our website practices materially change, this Privacy Policy will be updated accordingly.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, database, email system, or internet transmission can be guaranteed to be completely secure. Consumers should use approved secure enrollment platforms rather than ordinary email when transmitting sensitive application information.

8. Data Retention

We retain personal information only for as long as reasonably necessary to:

• Provide requested insurance services

• Maintain customer and enrollment records

• Satisfy insurance carrier, Marketplace, Medicare, licensing, compliance, tax, and legal requirements

• Resolve disputes and enforce agreements

• Protect against fraud or security incidents

When information is no longer reasonably required, we may securely delete, destroy, or de-identify it, subject to applicable record-retention obligations.

9. Your Privacy Choices

You may contact us to:

• Ask what personal information we maintain about you

• Request correction of inaccurate information

• Request deletion of information, when deletion is not prohibited by legal, regulatory, carrier, or record-retention requirements

• Withdraw consent for optional marketing communications

• Ask questions about how your information is used or disclosed

To submit a privacy request, contact us using the information below. We may need to verify your identity before fulfilling a request.

10. Third-Party Websites and Platforms

Our website may link to HealthCare.gov, Medicare.gov, HealthSherpa, insurance carriers, enrollment platforms, or other third-party websites.

Eterna Life & Health does not control the privacy or security practices of those organizations. Information submitted directly to a third-party website is governed by that organization’s privacy policy and terms. We encourage you to review those policies before submitting information.

11. Children’s Privacy

Our website and services are intended for adults seeking insurance information for themselves or their households. We do not knowingly collect personal information directly from children under 13 through our website without authorization from a parent or legal guardian.

Parents or guardians may provide information about dependent children when necessary to obtain family insurance coverage.

12. Michigan Consumers

Eterna Life & Health primarily serves Michigan residents and handles personal information in accordance with applicable federal and Michigan insurance, privacy, and data-security requirements.

We do not sell Michigan consumers’ personal information or provide their information to unrelated agencies for independent marketing.

13. Changes to This Privacy Policy

We may update this Privacy Policy when our services, technology, legal obligations, or information-handling practices change.

The updated policy will be posted on this page with a revised effective date. Continued use of the website after an update means the revised policy applies to information collected after its effective date.

14. Contact Us

For questions, corrections, privacy requests, or concerns regarding this Privacy Policy, contact:

Eterna Life & Health
Belle Isle LLC
18505 Grand River Ave
Detroit, Michigan, 48223
Phone: 313-200-0200
Email: health@eternaplans.com

Eterna Life & Health is an independent insurance agency and is not affiliated with or endorsed by the U.S. government, Medicare, or HealthCare.gov.