What information we receive, what we use it for, and how we protect it.
Effective date: October 14, 2026 · Last updated: November 5, 2026
Seguros Unidos Insurance Agency & Taxes ("Seguros Unidos," "we," "us" or "our") is the brand under which Zulma Gonzalez, a licensed insurance agent doing business as Seguros Unidos, provides insurance and tax return preparation services in the Houston, Texas area. You can reach us at 281-978-4668 or contact@segurosunidostx.com.
In this Privacy Policy:
This Privacy Policy explains what Personal Information we receive through the Site, the SMS Program and the other ways you communicate with us described in Section 3.3, and how we use, share and protect it. If you become our insurance or tax client, you may also receive other privacy notices that the law requires.
3.1 Information you enter in the Site's forms. The information depends on the form:
3.2 Lookups made before you submit a form. Some information leaves the page before you submit the form. When you reach the plans step of a health quote, our server asks HealthSherpa for the plans and prices available in your area. It sends your ZIP code and county, how many people are in your household, an income figure based on the income range you chose, if you chose one, and each person's age, relationship and tobacco use, but not your name or contact details. On auto and truck quotes, our server sends the year and make you select to the National Highway Traffic Safety Administration ("NHTSA"), the federal vehicle safety agency, to show you the list of models. If you enter a VIN, it also sends the VIN, with the model year if you selected one, to fill in the vehicle details.
3.3 Information you provide to us directly. We also receive the information you give us in person or send us by phone, text message, WhatsApp or email.
The Site's forms do not ask for your Social Security number, Individual Taxpayer Identification Number (ITIN), immigration status, medical history, bank account or card numbers, or copies of your documents. Regarding health, the health insurance form asks only whether each person uses tobacco and, in the optional section to get your enrollment started, what coverage you have today, such as Medicaid, CHIP or Medicare. Any other information about your health reaches us through the Site only if you choose to write it in a comments box. Please do not enter any of the numbers listed above in a comments box. If we need them for your application or your tax return, we will ask you for them directly. If you are not sure that a request really comes from us, call us at 281-978-4668 before you send anything.
5.1 Cookies and analytics. The Site does not use advertising cookies or tools that follow you to other websites. To count visits, we use Cloudflare Web Analytics, which, according to Cloudflare, does not use cookies. Cloudflare may, however, set cookies that are strictly necessary for security.
5.2 Technical data. As with any website, the companies that operate the Site receive technical data that your browser sends, such as your IP address and browser type: Cloudflare, which hosts the Site, and Google, which serves the Site's fonts. On forms, Cloudflare Turnstile checks that you are a person and not an automated program; to do so, it processes your IP address and technical details about your browser.
5.3 Browser storage. Your own browser keeps two items on your device. When you send a quote, your name, phone and email (and, on a health quote, your date of birth) remain in that browser tab so that the consent page can fill them in for you; your browser normally erases them when you close the tab, although some browsers keep them if they reopen your tabs. Your language preference for the Site, which is saved when you choose a language or open a page of the English version, remains in your browser until you clear its data.
We use Personal Information to provide the Services, including to prepare the quote you request, contact you in the way you choose, help you apply and enroll, service your policy, prepare your tax return if you ask us to, send you the text messages you agreed to receive, keep the records the law requires and keep you informed about your request.
We use and share the Personal Information from your Marketplace application only for the purposes described in Section 8, for other purposes you separately agree to, such as the text messages described in Section 10, and as the law requires, such as keeping the records described in Section 11.4. The information you give us for your tax return is subject to special rules, described in Section 7.
Information you give us so that we can prepare your tax return is tax return information protected by federal law (section 7216 of the Internal Revenue Code and its regulations). This includes everything you send through the tax appointment form, such as your name, phone, email, filing status, dependents and types of income, even if you do not end up hiring us. We use it to schedule your appointment, prepare and file your return, communicate with you about them, and for the other purposes those rules allow, such as sending your return to the Internal Revenue Service ("IRS").
We will not use that information to offer you insurance or any other product or service that is not tax return preparation, and we will not disclose it for that purpose, unless you first sign and date a separate consent form that meets federal requirements. That form will describe the information to be used or disclosed, the purpose and, for a disclosure, who will receive it. You are not required to sign it, and declining does not change the tax preparation Services you receive.
If you check the text message box on the tax appointment form, your consent covers only messages about your tax appointment and your tax return. If you also want help with insurance, you may ask for it through our quote form or by telling us directly; for that request we will use the information you give us for it, and we will use your tax return information only if you sign the separate consent described above.
This section applies to the Personal Information you give us to get a Health Insurance Marketplace quote, to sign the Marketplace consent, or to have our agent, Zulma Gonzalez, a licensed insurance agent registered with the Federally-facilitated Marketplace, help you apply for or enroll in a Marketplace plan or apply for premium tax credits and cost-sharing reductions.
Legal authority. We collect this Personal Information under sections 1312(e) and 1411 of the Affordable Care Act (42 U.S.C. 18032(e) and 18081), the federal rules for Marketplace agents and brokers (45 CFR § 155.220 and § 155.260), and our agreements with the Centers for Medicare & Medicaid Services ("CMS").
Purpose and authorized uses. We use it to give you a quote; to help you apply for Marketplace coverage and for help paying for it, or for Medicaid or the Children’s Health Insurance Program (CHIP); to help you choose and enroll in a plan; to keep your application and enrollment up to date, report changes and renew; to remind you about renewals and deadlines and tell you about your plan options at renewal; to help you send documents the Marketplace requests; to communicate with your insurance company about your enrollment; to answer the Marketplace’s questions about your application; and to answer your questions and follow up on any complaint. We use and disclose it only for these purposes, for other purposes you separately authorize in writing, and as the law requires. We do not sell it.
Who receives it and why. We may share it with CMS, through the Marketplace, to submit your application; with the insurance company whose plan you choose, to enroll you and service your policy; with HealthSherpa, the platform we use to quote plans and submit your application; and with the companies listed in Section 9 that operate our email, Site and text messages, including WhatsApp if the page opens it as described in Section 11.2, only so that they can provide those services to us.
Voluntary. Giving us your Personal Information is voluntary. However, the Marketplace application asks for certain information, such as a Social Security number for each applicant who has one, and without it the Marketplace may not be able to decide, or may take longer to decide, whether you qualify for coverage or for help paying for it. If you do not give us the information we need, we may not be able to give you an accurate quote or help you apply or enroll; you can always apply on your own at HealthCare.gov or by calling the Marketplace Call Center. People in your household who are not applying for coverage do not have to give us their Social Security number or immigration status.
Federal system of records. The information in your Marketplace application is submitted to CMS, a federal agency, and is kept in a federal system of records, "CMS Health Insurance Exchanges System (HIX)," System No. 09-70-0560.
Questions and complaints. If you have a question or a complaint about how we handle your Personal Information, contact us at 281-978-4668 or contact@segurosunidostx.com. You can also call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) or file a complaint with the Texas Department of Insurance (1-800-252-3439, www.tdi.texas.gov) or, in Florida, with the Florida Department of Financial Services (www.myfloridacfo.com).
Accessibility. This notice is available in Spanish and in English. If you need it in another format, such as larger print or read aloud, call us at 281-978-4668.
We share Personal Information only to do what you ask of us, with the companies that operate our systems, or as the law requires or permits. These practices also apply to Personal Information about our former customers. We share Personal Information with:
We do not sell your Personal Information. We do not share it so that other companies can market to you, and we never share information about your health for marketing without your written permission. Insurance companies, the Marketplace, HealthSherpa, the IRS, Cloudflare, Google and WhatsApp also handle your Personal Information under their own privacy policies and the laws that apply to them, which we do not control. For example, Cloudflare may use the technical data that Turnstile processes to improve that service.
Apart from the storage and delivery described in Section 10, none of the above categories includes text messaging originator opt-in data and consent; see Section 10, "Text Messages (SMS)."
Nothing in this Privacy Policy prevents us from disclosing Personal Information when a law, a court order or a government agency requires it.
If you give us your mobile number and agree to receive text messages, we will text you only about the topics described in our Terms: messages about your quote, application or tax return, appointment reminders, payment reminders, requests for documents we need from you, reminders about your policy renewal and your annual Marketplace consent, and answers to your questions. When you agree, whether by checking the box on a form, in person or by phone, we also receive your mobile number, the date and the way you gave your consent. If you text us first, we will only reply to that conversation, and we use your number and your messages to help you with your request. If you opted in through the box on the tax appointment form, your consent covers only messages about your tax appointment and your tax return (see Section 7).
You may reply STOP at any time to stop receiving messages, or opt out in any of the other ways described in our Terms; reply HELP for help. Message frequency varies, and message and data rates may apply.
The information we collect to send text messages (SMS), including mobile phone numbers and consent to receive messages, is not sold to third parties or shared with them for marketing or advertising purposes.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted: Cloudflare, Google and RingCentral, which operate our email and text messages, and WhatsApp, if the page opens it as described in Section 11.2, receive this information only to store or deliver it for us. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
11.1 Where we keep your Personal Information. The Site uses an encrypted connection (HTTPS). The Site does not store your Personal Information in a database. When you submit a form, our server passes it to Cloudflare's email service, which delivers it to our agency inbox, a Gmail account operated by Google. We keep it there as part of your file, and we may also enter your Personal Information into the systems we use to quote, enroll you or prepare your tax return.
11.2 If the direct submission fails. If the direct submission does not work, the page may open WhatsApp or your own email app with your request already written. Your request reaches us only if you press send there. When the page opens WhatsApp, your request travels inside the link, so WhatsApp (owned by Meta) may receive it as soon as the link opens, even if you never press send, and your browser may keep that link in its history. In either case, from that point on, that service handles your request under its own terms and privacy policy. On the tax appointment form, the message the page opens says only that you would like an appointment; it does not include the information you entered in the form.
11.3 Your signed consent record. The signed Marketplace consent record (with your name, date of birth, phone, email, plan year, the agent's name, the date and your signature) is created on your own phone or computer. When the form is submitted directly, the record normally reaches us attached to the email; if your phone or computer cannot create the record in time, the form is sent without it, and we may ask you for a copy. If the form is sent another way, such as by WhatsApp, the record is not included, so please save your copy and send it to us. You can always save your own copy.
11.4 Retention. We must keep some records for a minimum period. For example, federal rules require us to keep your signed Marketplace consent for at least 10 years, and tax law requires us to keep a copy or a list of the returns we prepare for at least 3 years.
11.5 Security. We take steps to protect your Personal Information, but no system is completely secure. If a security incident affects your Personal Information, we will notify you as the law requires.
You may ask us for a copy of the Personal Information we have about you, and ask us to correct or delete it. Before we provide a copy or change anything, we will verify that the request really comes from you. We will correct any Personal Information that is inaccurate. If you ask us to delete your Personal Information, we will delete what we no longer need to provide the Services to you, comply with the law or resolve a claim, and we will tell you what we keep and why. We cannot delete Personal Information that the Marketplace, an insurance company, HealthSherpa or the IRS already has, but we can tell you how to ask them.
You may also revoke, at any time, the consent you gave us to work on your Marketplace application. From then on, we will stop working on your application, but revoking your consent does not undo what was already done. To stop text messages, see Section 10. To make any of these requests, email contact@segurosunidostx.com or call 281-978-4668.
If you follow a link to another website, such as Facebook, Instagram, Google Maps, WhatsApp or an insurance company's website, that website's own privacy policy applies.
The Site is not directed to anyone under 18, and its forms are intended to be completed by an adult. Information about a child or another family member is provided by the adult who applies for coverage or for tax return preparation.
If we change this Privacy Policy, we will post the new version on this page with its date. If a change would allow us to share Personal Information we already have in a new way, we will notify you before the change takes effect and, where the law requires, ask for your permission.
If you have questions about this Privacy Policy, call us at 281-978-4668 or write to contact@segurosunidostx.com, and we will be glad to help.
