Point Rock Group, Inc.
1317 Hickory Valley Road
Chattanooga, TN 37421
info@pointrockgroup.com
pointrockgroup.com
Effective Date: October 20, 2025
Policy Version: 2.0
This document governs the privacy policy of our website pointrockgroup.com and the health insurance brokerage assistance services we provide.
Introduction
Point Rock Group, Inc. is a health insurance broker that assists consumers in comparing and enrolling in health insurance plans. This privacy policy explains what information we collect, how we handle it, and your privacy rights.
Important: Point Rock Group provides assistance and guidance in the health insurance enrollment process. When our staff helps you enroll in coverage, they assist you in entering your information directly into insurance carrier websites (such as Cigna, TruHealth, SB/A CoOp). Point Rock Group does not collect, store, or maintain databases containing your personally identifiable information, Social Security number, or health information. Your sensitive information is entered directly into the insurance carrier’s secure systems and is subject to their privacy policies.
Table of Contents
What Information We Collect | What Information We Do NOT Collect or Store | How We Use Information | Cookies and Website Analytics | How Information Flows to Insurance Carriers | Your Privacy Rights | Data Security | Links to Other Websites | Children’s Privacy | Changes to This Privacy Policy | Contact Us
What Information We Collect
Point Rock Group collects limited information through our website and services:
Website Analytics and Usage Data
When you visit our website, we automatically collect:
IP address (anonymized) | Browser type and version | Device type and operating system | Pages visited and time spent on pages | Referring website or search terms | General location (city/state level only) | Cookie data (see Cookies section below)
This information is collected through automated tools like Google Analytics and is used only to improve our website and understand how visitors use our services.
Contact Information (When You Provide It)
If you contact us for assistance or request a callback, we may collect:
Name | Email address | Phone number | General inquiry details (e.g., “interested in health insurance quotes”)
This basic contact information is used solely to respond to your inquiry and provide you with assistance. We do not use this information for any other purpose without your consent.
Communication Records
We may maintain records of:
Phone call logs (date, time, duration) | Email correspondence | General notes about the assistance provided (e.g., “helped customer compare plans” or “assisted with Cigna enrollment”)
These records do not contain your personal health information, Social Security number, or detailed application data.
What Information We Do NOT Collect or Store
Point Rock Group does NOT collect, store, or maintain:
Social Security numbers | Date of birth | Driver’s license numbers | Health information or medical history | Income details | Financial account information (credit cards, bank accounts) | Government ID copies | Detailed insurance application data | Protected Health Information (PHI)
When our staff assists you with enrollment, you provide this information directly to the insurance carrier through their secure website. Point Rock Group staff may see this information on screen while helping you complete forms, but we do not save, store, download, or maintain this information in any database or filing system.
How We Use Information
We use the limited information we collect for the following purposes:
Website Improvement
Analyze website traffic and usage patterns | Improve website functionality and user experience | Identify technical issues
Customer Service
Respond to your inquiries | Schedule callbacks or appointments | Follow up on your request for assistance
Business Operations
Maintain records of services provided | Comply with insurance licensing and regulatory requirements | Improve our services
Marketing (With Your Consent Only)
Send you information about health insurance options | Provide updates about open enrollment periods | Share relevant insurance-related information
You can opt out of marketing communications at any time by emailing info@pointrockgroup.com or clicking unsubscribe in our emails.
Cookies and Website Analytics
What Are Cookies?
Cookies are small text files placed on your device when you visit our website. We use cookies to improve your experience and understand how our website is used.
Types of Cookies We Use
Strictly Necessary Cookies: Essential for website functionality (e.g., maintaining your session as you navigate pages). These cannot be disabled without affecting website performance.
Analytics Cookies: Help us understand visitor behavior through services like Google Analytics. These collect anonymous data about pages visited, time on site, and general demographics.
Functional Cookies: Remember your preferences (e.g., language settings).
We do NOT use:
Third-party advertising cookies | Cookies that track you across other websites | Cookies that collect personally identifiable information
Managing Cookies
You can control cookies through your browser settings:
View and delete existing cookies | Block third-party cookies | Block all cookies (may affect website functionality) | Enable “Do Not Track” (we respect DNT signals)
Refer to your browser’s help documentation for specific instructions.
Do Not Track
Our website respects “Do Not Track” (DNT) browser settings. When DNT is enabled, we limit analytics tracking to essential website functionality only.
How Information Flows to Insurance Carriers
When you work with Point Rock Group to enroll in health insurance:
Our Assistance Process
- You contact us for help with health insurance enrollment
- Our staff discusses your needs and options with you
- When ready to enroll, our staff guides you through entering your information directly into the insurance carrier’s secure website
- You view your information on screen and submit it directly to the carrier
- The carrier processes your application according to their systems and privacy policies
What Happens to Your Information
Your information goes directly to the insurance carrier (e.g., Cigna, TruHealth, SB/A CoOp) | The carrier stores your information in their systems | The carrier’s privacy policy governs how they use and protect your information | Point Rock Group does not retain copies of your application data, SSN, health information, or financial details
Carrier Privacy Policies
Each insurance carrier has their own privacy policy that governs how they collect, use, protect, and share your information. We strongly encourage you to review the privacy policy of any insurance carrier you enroll with. These policies are typically available on their websites.
Your Privacy Rights
Access to Your Information
To access the limited contact information we have about you, email us at info@pointrockgroup.com. For information about your insurance application or enrollment, contact your insurance carrier directly.
Correction or Deletion
To correct or delete your contact information from our records, email info@pointrockgroup.com. For changes to your insurance information, contact your carrier directly.
Opt-Out Rights
You have the right to:
Opt out of marketing communications (email info@pointrockgroup.com or click unsubscribe) | Request deletion of your contact information | Decline assistance services at any time
State-Specific Rights
California Residents (CCPA/CPRA): You have the right to request disclosure of what limited information we collect about you and to request deletion. Point Rock Group does not sell personal information. To exercise CCPA rights, email info@pointrockgroup.com with “California Privacy Request” in the subject line.
Other States: If you reside in Virginia, Colorado, Connecticut, or other states with privacy laws, you have similar rights. Contact us at info@pointrockgroup.com.
Right to Complain
You may file a complaint with:
Tennessee Department of Commerce & Insurance: 615-741-2218 | Federal Trade Commission (FTC): ftc.gov/complaint | Your state attorney general’s office
Data Security
Our Security Practices
Point Rock Group implements reasonable security measures to protect the limited information we collect:
Website encryption (SSL/TLS) | Secure email communications | Restricted access to contact information | Regular security assessments | Employee training on privacy and confidentiality
What We Don’t Store
Because we do not collect or store sensitive personal information (SSN, health data, financial information), we do not maintain databases containing this information that could be subject to breach or unauthorized access.
Carrier Security
When you enter information into insurance carrier websites, that information is protected by the carrier’s security measures. Carriers are required to maintain HIPAA-compliant security for your health information.
Your Responsibility
When working with our staff:
Be cautious about who is present when sharing information over the phone | Ensure you’re entering information on the legitimate carrier website | Keep any login credentials to carrier websites secure | Review carrier confirmations and documents for accuracy
Links to Other Websites
Our website contains links to insurance carrier websites (Cigna, TruHealth, SB/A CoOp) and other third-party websites. We are not responsible for the privacy practices of these websites.
Important: When you click through to a carrier website to obtain quotes or enroll in coverage, that website’s privacy policy governs how your information is collected and used. We encourage you to review each carrier’s privacy policy.
Children’s Privacy
Our website and services are not intended for individuals under 18 years of age. We do not knowingly collect information from children under 13. If you are a parent or guardian and believe your child has provided us with information, contact us at info@pointrockgroup.com and we will delete it.
We may assist parents or guardians in enrolling dependent children in family health insurance plans, but this information is entered directly into carrier systems and is not retained by Point Rock Group.
Changes to This Privacy Policy
We may update this privacy policy from time to time. Changes will be posted on our website with a new effective date. If we make material changes, we will provide notice by:
Posting the updated policy prominently on our website | Sending email notification (if we have your email address)
Your continued use of our website after changes become effective constitutes acceptance of the updated policy.
Contact Us
General Privacy Questions
Point Rock Group, Inc.
1317 Hickory Valley Road
Chattanooga, TN 37421
Phone: 423-899-2425
Email: info@pointrockgroup.com
Privacy Officer
For privacy concerns or to exercise your privacy rights:
Samuel B. (“Buck”) Orrison
Phone: 423-899-2425
Email: info@pointrockgroup.com
Insurance Questions
For questions about your insurance application, coverage, or information stored by insurance carriers, contact the carrier directly:
Cigna: Visit cigna.com or call the number on your plan documents | TruHealth: Visit their website or call their customer service | SB/A CoOp: Visit their website or call their customer service
State Insurance Department
Tennessee Department of Commerce & Insurance
Insurance Division
Davy Crockett Tower
500 James Robertson Parkway
Nashville, TN 37243
Phone: 615-741-2218
Website: www.tn.gov/commerce/insurance
For residents of other states, contact your state insurance department.