Privacy, Terms & Conditions

Please review the Agility Insurance Services policies and terms of service. The details of these policies and terms govern the activity on this website, so please read them carefully.

Your privacy is critically important to Agility Insurance Services ("Agility"). At Agility we do not:

  • Ask you for personal information unless we truly need it.
  • Share your personal information with anyone except to comply with the law, develop our products and services, notify service providers, or protect our rights.
  • Store personal information on our servers unless required for the on-going operation of one of our services.

If you have questions about accessing or correcting your personal data, please contact Agility. Agility operates several websites including It is Agility's policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, Agility collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Agility's purpose in collecting non-personally identifying information is to better understand how Agility's visitors use its website. From time to time, Agility may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Agility also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on Agility blogs. Agility only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that blog commenter IP addresses are visible and disclosed to the administrators of the blog where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Agility's websites choose to interact with Agility in ways that require Agility to gather personally-identifiable information. The amount and type of information that Agility gathers depends on the nature of the interaction. For example, we ask visitors who enroll in a Agility membership to provide a username and email address. Those who engage in transactions with Agility – by enrolling in a Agility membership, for example – are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Agility collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Agility. Agility does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website or membership-related activities or services.

Aggregated Statistics

Agility may collect statistics about the behavior of visitors to its websites. For instance, Agility may monitor the most popular blogs or utilized links on the Agility site. Agility may display this information publicly or provide it to others. However, Agility does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Agility discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Agility's behalf or to provide services available at Agility's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Agility's websites, you consent to the transfer of such information to them. Agility will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Agility discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Agility believes in good faith that disclosure is reasonably necessary to protect the property or rights of Agility, third parties or the public at large. If you are a registered user of an Agility website and have supplied your email address, Agility may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Agility and our membership services. Agility takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.


A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Agility uses cookies to help Agility identify and track visitors, their usage of Agility website, and their website access preferences. Agility visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Agility's websites, with the drawback that certain features of Agility's websites may not function properly without the aid of cookies.

Third-Party Links

This privacy policy applies solely to information collected through Agility's websites. A Agility website may contain links to third-party websites not owned or controlled by Agility. Agility is not responsible for the privacy practices of these other websites. Agility encourages web visitors to note when leaving a Agility website and to read the privacy statements of these respective websites.

Business Transfers

If Agility, or substantially all of its assets were acquired, or in the unlikely event that Agility goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquiror of Agility may continue to use your personal information as set forth in this policy.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Agility and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, Agility may change its Privacy Policy from time to time, and in Agility's sole discretion. Agility encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a account, you should also check your blog's dashboard for alerts to these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Generic License

This work is licensed under a Creative Commons Attribution-Share Alike 2.5 Generic License. Privacy policy acquired through Creative Commons, and adapted with permission from and privacy policies.

Note: this privacy policy is available under a Creative Commons Sharealike license, which means individuals are welcome to use it.

Privacy Policy Date
This Privacy Policy was first posted on March 21, 2014.

The following terms and conditions govern your use of this website. Please review these terms and conditions carefully.

Section 1. Acceptance of Terms and Conditions

Use of this web site is conditioned upon users acceptance of the terms and conditions contained herein. All users of this web site hereby understand and agree that their use of such web site constitutes acceptance of the terms and conditions set forth in this legal notice. Association Concepts, LLC dba Agility Insurance Services, (hereinafter referred to as "Agility"), reserves the right to modify the terms and conditions at any time without prior notice. If you do not agree to these terms, you may not use this web site. The domain name is owned by Agility.

Section 2. Trademarks

This web site contains many trademarks, trade names, service marks, copyrights and or logos of Agility and may also contain several protected marks of Agility's numerous affiliates. Such marks remain the property of their respective owners. User recognizes and acknowledges the ownership of these marks and understands that it does not acquire, through use of this web site, any right, title, or interest in the marks. User agrees that it will not change, modify and or exploit the marks, nor participate in any activity which modifies and or exploits such marks. All rights to these marks are reserved. Any use of the marks without expressed written authorization is strictly prohibited.

Section 3. Prohibited Use

Any use of this web site for an illegal or objectionable purpose is strictly prohibited. User agrees that it will not use this web site to engage in any activity that could be deemed illegal, harmful to others, or give rise to civil liability. Such activities include, but are not limited to: (i) activities involving the transmission of unlawful, threatening, harassing, obscene, sexually explicit, pornographic, hateful, profane, libelous, or defamatory information; (ii) activities involving the transmission of junk mail or spamming; (iii) activities involving the promotion or use of viruses; (iv) activities that violate any law, regulation or statute; and or (v) activities that infringe upon any legally protected property right, etc. By using this site, user agrees that any and all information transmitted to or with the use of this site cannot and shall not be deemed confidential or proprietary. Agility reserves the right to monitor transmissions and investigate any alleged prohibited use of this web site and to disclose any and all information relating to such prohibited use. Agility, its officers, directors, affiliates, employees, agents, partners, subsidiaries and or contractors shall not assume, and expressly disclaims, any and all liability relating to an individual's illegal or prohibited use of this web site. Any violation of this or any other section contained herein may result in termination of service and or any other action Agility determines appropriate under the circumstances.

Section 4. Third Party Relationships

This web site may contain several links to other sites. These links are provided merely to assist the user. These sites are independent of Agility's site and Agility does not and cannot control the content and or representations of such sites. The information presented on these links may not necessarily reflect those beliefs held by Agility. The inclusion of a link does not mean that Agility accepts or endorses any of the content contained in such site. The user is responsible to protect himself/herself while associating with the linked site. Agility, and it's officers, directors, affiliates, employees, agents, partners, contractors and subsidiaries disclaim any and all responsibility/ liability for content contained on such linked sites and will not be held accountable for any damages, of any kind, incurred by those who visit such sites.

Section 5. Personally Identifiable Information

For purposes of this section, Personally Identifiable Information (PII) means information which can be used to distinguish or trace an individual's identity, such as their name, social security number, biometric records, etc., alone, or when combined with other personal or identifying information that is linked or linkable to a specific individual, such as date and place of birth, mother's maiden name, etc.

When you submit an application on this website, you authorize Agility to create, collect, disclose, access, maintain, store and use Personally Identifiable Information (PII) for the following functions:

  1. Assisting with applications for Qualified Health Plan (QHP) eligibility;
  2. Supporting QHP selection and enrollment by assisting with plan selection and plan comparisons;
  3. Assisting with applications for the receipt of Advanced Premium Tax Credits (APTCs) or Cost-Sharing Reductions (CSRs), and selecting an APTC amount;
  4. Facilitating the collection of standardized attestations acknowledging the receipt of the APTC or CSR determination, if applicable;
  5. Assisting with the application for and determination of certificates of exemption;
  6. Assisting with filing appeals of eligibility determinations in connection with the Federally-Facilitated Exchange (FFE);
  7. Transmitting information about the Consumer's, Applicant's, Qualified Individual's, or Enrollee's decisions regarding QHP enrollment and/or CSR and APTC information to the FFE;
  8. Facilitating payment of the initial premium amount to the appropriate QHP;
  9. Facilitating an Enrollee's ability to disenroll from a QHP;
  10. Educating Consumers, Applicants, or Enrollees on insurance affordability programs, and if applicable, informing such individuals of eligibility for Medicaid or Children's Health Insurance Program (CHIP);
  11. Assisting an Enrollee's ability to report changes in eligibility status to the FFE throughout the coverage year, including changes that may impact eligibility (e.g., adding a dependent);
  12. Correcting errors in the application for QHP enrollment;
  13. Informing or reminding Enrollees when QHP coverage should be renewed, when Enrollees may no longer be eligible to maintain their current QHP coverage because of age, or to inform Enrollees of QHP coverage options at renewal;
  14. Providing appropriate information, materials, and programs to Consumers, Applicants, Qualified Individuals, and Enrollees, to inform and educate them about the use and management of their health information, and services and options offered through the selected QHP or among the available QHP options;
  15. Contacting Consumers, Applicants, Qualified Individuals, and Enrollees to assess their satisfaction or resolve complaints with services provided by Agility Insurance Services in connection with the FFE, Agility Insurance Services or QHPs;
  16. Providing assistance in communicating with QHP Issuers;
  17. Carrying out the legal responsibilities related to the efficient functions of QHP Issuers in the FFE, as permitted or required by Agility Insurance Services' contractual relationships with QHP Issuers; and
  18. Other functions substantially similar to those enumerated above and such other functions that may be approved by Centers for Medicare & Medicaid Services.

Section 6. Modifications

This web site may contain typographical errors or technical inaccuracies. Agility reserves the right to modify the content of this web site at any time without prior notice. Agility's failure to enforce any section of these terms and conditions shall not be construed as a waiver of such provision.

Section 7. Severability

If one or more of the provisions contained in these terms and conditions are held to be unenforceable under applicable law, such provision shall be appropriately limited in its scope. If any such limitation is not feasible, such provision shall be excluded from these terms and conditions and the balance of these terms and conditions shall be enforceable.

Section 8. Warranties & Limitation of Liability


Section 9. Force Majeure

Notwithstanding any other provision set forth in these terms and conditions, Agility shall not be liable for any failure or delay in its performance due to any cause beyond Agility's reasonable control, including, without limitation, any act of war or civil insurrection, national emergencies, acts of God, fire, explosion, vandalism, storm, earthquake, flood, embargo, riot, sabotage, industry-wide strikes, lockouts, work stoppages or other labor difficulties, industry-wide supplier failures, unavailability of materials, rights of way or governmental acts; provided, however, that Agility shall use its commercially reasonable efforts to correct promptly such failure or delay in performance to the extent consistent with then applicable law and regulatory requirements and appropriate in light of then existing circumstances.

Section 10. Indemnification

User hereby agrees to indemnify, defend, and hold harmless, Agility, its officers, directors, affiliates, employees, contractors, subcontractors, agents, partners and subsidiaries from and against all claims, actions, suits, demands, costs and damages (including reasonable attorney's fees) asserted by any third party as a result of user's use of this web site. Agility has the right to control any defense pertaining to this section.

Section 11. Relationship

Nothing in this Agreement is intended to or shall be construed to constitute or establish an agency, joint venture, partnership, or fiduciary relationship between the parties, and neither party shall have the right or authority to act for or on behalf of the other Party.

Section 12. Governing Law

These terms and conditions shall be governed by, construed, and enforced in accordance with the laws of the State of Texas, United States of America, without regard to any choice of law principles.

Section 13. Jurisdiction

User hereby agrees and irrevocably consents to submit to the exclusive jurisdiction and venue of the courts of the State of Texas and of the United States of America located in the State of Texas for any and all claims arising from the use of this web site.

Section 14. Entire Agreement

These terms and conditions constitute the full and entire understanding and agreement between the parties pertaining to the subject matter and supersede in their entirety any and all written or oral agreements previously existing between the parties with respect to the subject matter.

Dated: 11/02/2015