Privacy Policy & Website Terms
Effective Date: September 23, 2026
Last Updated: September 23, 2026
Cham Joun Insurance Agency & Brokerage Corp.
Norwood, New Jersey
Phone: (201) 866-0056
Email: ChamJounIns@Gmail.com

1. Privacy Policy & Information We Collect
We respect the privacy of our website visitors, clients, and prospective clients. We take reasonable measures to protect information entrusted to us and use information only for legitimate business, service, compliance, and communication purposes.

Information We May Collect
Depending on the services you request, we may collect information such as:
Name and contact information;
Telephone number and email address;
Mailing or physical address;
Date of birth;
Household and family information;
Insurance coverage information and history;
Information relevant to an insurance inquiry, quote, application, or enrollment;
Information voluntarily submitted through appointment requests, forms, emails, or other website features; and
Other information reasonably necessary to provide requested services.

Please provide only information that is reasonably necessary for the service or inquiry you are requesting.

How We Use Information
Information submitted through this website may be used to:
Respond to inquiries and requests;
Schedule appointments or consultations;
Provide insurance information and services;
Assist with insurance applications and enrollment;
Communicate with you regarding a requested product, service, or existing policy;
Communicate with insurance carriers, government programs, or authorized service providers when necessary;
Comply with applicable legal, regulatory, and contractual requirements;
Maintain business, licensing, sales, and compliance records;
Prevent fraud, misuse, unauthorized access, or other unlawful activity; and
Improve website functionality and user experience through aggregated or non-personally identifiable information.

Information Sharing
We do not sell your personal information.

Information may be disclosed when reasonably necessary to:
Provide requested insurance services;
Process an insurance inquiry, application, quote, or enrollment;
Communicate with insurance carriers, government programs, or authorized service providers;
Maintain or service an insurance policy;
Comply with legal, regulatory, or contractual requirements;
Prevent fraud, misuse, or security threats; or
Fulfill another purpose permitted or required by applicable law.

2. Health Information & HIPAA
If you provide health-related or other sensitive information in connection with Medicare, ACA Marketplace, health insurance, or another insurance service, we take reasonable measures to safeguard that information.

Where HIPAA applies to our activities, we handle Protected Health Information (“PHI”) in accordance with applicable HIPAA requirements, including applicable provisions of 45 CFR Parts 160 and 164, and applicable state privacy laws.

Our obligations under HIPAA depend on the nature of the service and our role in handling the information. Not all information submitted through this website necessarily constitutes PHI under HIPAA.

Where applicable, our Notice of Privacy Practices will describe how protected health information may be used and disclosed and the rights available to individuals under applicable law. A copy may be requested by contacting our office.

Sensitive Information
Please do not submit Social Security numbers, Medicare numbers, financial account information, medical records, or other highly sensitive information through an unsecured website form or ordinary email unless specifically instructed to do so through an approved secure process.

When required, sensitive information should be submitted through a secure, encrypted, carrier-approved, government-approved, or otherwise authorized platform.

3. Section 1557 Nondiscrimination & Accessibility Notice
Cham Joun Insurance Agency & Brokerage Corp. supports equal access to insurance-related information and services and does not discriminate on the basis of race, color, national origin, age, disability, or another protected status to the extent prohibited by applicable federal and state law.

We are committed to providing meaningful access to our website and services.

Individuals who need reasonable accommodations, auxiliary aids or services, language assistance, or information in an alternative format may contact our office for assistance.

Language Assistance
If you have limited English proficiency and need language assistance to access information or services, please contact our office. Language assistance will be provided when required by applicable law.

Accessibility Assistance
If you have a disability and need an accommodation, auxiliary aid, service, or alternative format to access our website or insurance-related services, please contact our office.

Contact:
Cham Joun Insurance Agency & Brokerage Corp.
Norwood, New Jersey
Phone: (201) 866-0056
Email: ChamJounIns@Gmail.com

This notice is intended to describe our commitment to nondiscrimination and accessibility. It does not expand or modify any rights or obligations beyond those required by applicable law.

4. Website Accessibility Statement
Cham Joun Insurance Agency & Brokerage Corp. is committed to providing an accessible and inclusive website experience for all visitors, including individuals with disabilities.

We strive to design and maintain our website so that information, navigation, documents, and insurance-related services are accessible to the widest possible range of users.

Accessibility Standards
We work toward improving the accessibility and usability of our website in accordance with generally recognized accessibility practices, including the Web Content Accessibility Guidelines (“WCAG”).

Accessibility is an ongoing process. We periodically review and improve our website, content, navigation, documents, and online features to help provide an accessible experience.

We do not represent that every portion of the website or every third-party resource is fully accessible at all times.

Assistance and Alternative Access
If you experience difficulty accessing any information, document, feature, or service on our website, please contact us.

We will make reasonable efforts to provide the information or assistance you need through an appropriate alternative method, when available and required by applicable law.

You may contact us if you need:
An accessible or alternative-format document;
Assistance navigating the website;
Language assistance;
An auxiliary aid or service;
A reasonable accommodation; or
Assistance accessing insurance-related information or services.

Accessibility Feedback
We welcome feedback regarding the accessibility of our website.

When contacting us, please identify:
The webpage, document, or feature involved;
The type of accessibility difficulty experienced; and
The preferred method of contact, if applicable.

Cham Joun Insurance Agency & Brokerage Corp.
Norwood, New Jersey
Phone: (201) 866-0056
Email: ChamJounIns@Gmail.com

We will review accessibility concerns and consider appropriate improvements.

Third-Party Content
Our website may contain links to or integrations with third-party websites, applications, forms, enrollment platforms, insurance carriers, government websites, or other services.

We do not control the accessibility of third-party websites or platforms. Users who experience an accessibility issue with a third-party service should also contact the applicable third-party provider.

This Accessibility Statement communicates our ongoing commitment to accessibility and does not create or expand any legal rights or obligations beyond those required by applicable law.

5. Communications & Consent to Contact
When you voluntarily provide your telephone number, email address, or other contact information through this website, an appointment request, inquiry form, or another communication, you authorize us to use that information to respond to your specific request and provide information relating to the services requested.

Depending on your request and applicable law, communications may include:
Telephone calls;
Emails;
Fax transmissions;
Text messages; or
Other electronic communications.

Where required, separate consent may apply to marketing communications, automated communications, or text messaging.

You may opt out of certain communications by following the instructions provided in the communication or by contacting our office.

Providing contact information does not guarantee that a policy will be offered, quoted, issued, approved, or renewed.

6. Cookies, Analytics & Website Technologies
This website may use cookies, analytics services, pixels, and similar technologies to:
Support essential website functionality;
Remember certain preferences;
Support English, Korean, and other language functionality;
Understand website traffic and usage;
Improve website performance and user experience;
Maintain website security; and
Identify technical problems or misuse.

Cookies may be managed or deleted through your browser settings. Disabling certain cookies may affect some website functionality.

Third-party analytics or technology providers may process information according to their own privacy policies and terms.

7. Website Terms of Use
By accessing or using this website, you agree to use it lawfully and in accordance with these terms.

Information presented on this website is provided for general informational and educational purposes. Website content does not constitute:
An insurance contract or policy;
A binder or guarantee of coverage;
A guarantee of eligibility or enrollment;
Legal advice;
Tax advice;
Financial advice;
Medical advice;
A formal professional opinion; or
A commitment to issue insurance.

Submitting an inquiry, quote request, appointment request, application, or other form through this website does not by itself create an insurance policy or guarantee coverage.

You agree not to use this website:
For unlawful purposes;
To submit false, misleading, or unauthorized information;
To interfere with, damage, disable, or compromise the website;
To attempt unauthorized access to systems or information;
To introduce malicious code or harmful technology; or
In a manner that violates applicable law or the rights of others.

We may modify website content and these terms from time to time. Updated terms become effective when posted on this website, unless otherwise stated.

8. Licensing & Geographic Scope
Cham Joun Insurance Agency & Brokerage Corp. is an insurance agency headquartered in Norwood, New Jersey.

Insurance products and services are offered only where the agency and/or applicable individual producer is properly licensed and authorized.

Licensing, product availability, carrier appointments, and services may vary by state, county, service area, product, carrier, and individual producer.

New Jersey
In New Jersey, the agency operates within the applicable Health, Life, Property, and Casualty lines of authority, subject to applicable licenses, carrier appointments, regulations, and product availability.

Services may include:
Medicare Advantage;
Medicare-related products, where authorized;
ACA Marketplace and GetCoveredNJ;
Individual and family health insurance;
Group health insurance;
Life insurance;
Annuities;
Personal insurance;
Commercial insurance; and
Other products for which the agency and applicable producer are properly authorized.

New York
For New York residents, our services and product offerings are limited to the insurance products and lines for which the agency and applicable producer is properly licensed and authorized.

At this time, our New York services are limited to:
Medicare Advantage;
General Health Insurance; and
Life Insurance.

We do not offer, solicit, or write Property & Casualty or commercial insurance coverage for New York properties, assets, or entities.

Jurisdictional Notice
Nothing on this website should be interpreted as an offer to sell or solicitation of insurance in a jurisdiction where Cham Joun Insurance Agency & Brokerage Corp. or the applicable producer is not properly licensed or authorized.

Product availability is subject to applicable state laws, carrier appointments, licensing requirements, eligibility, service areas, and other restrictions.

9. Insurance Information Disclaimer
Information on this website is general in nature and may not apply to every individual, family, business, risk profile, or insurance policy.

Insurance coverage, premiums, rates, eligibility, benefits, exclusions, limitations, underwriting requirements, provider networks, service areas, and availability vary by carrier, plan, location, and individual circumstances.

The actual terms of coverage are governed by the applicable insurance policy, certificate, contract, or plan documents.

Medicare and ACA Marketplace information is subject to federal and state laws and regulations that may change. Users should verify current information and eligibility requirements before making insurance decisions.

10. Website Accuracy & Limitation of Liability
We make reasonable efforts to keep website information accurate and current. However, information may occasionally contain errors, omissions, outdated information, or technical inaccuracies.

Website content is provided on an “as is” and “as available” basis to the extent permitted by applicable law.

We do not warrant that the website or all information contained on it will always be:
Complete;
Accurate;
Current;
Uninterrupted;
Secure;
Error-free; or
Free from viruses or other harmful components.

To the extent permitted by applicable law, Cham Joun Insurance Agency & Brokerage Corp. is not responsible for losses arising solely from reliance on general website information.

For definitive information concerning coverage, eligibility, premiums, benefits, exclusions, provider networks, or policy terms, refer to the applicable carrier, government program, official plan documents, or a properly licensed insurance professional.

11. Medicare Compliance Notice
Scope of Appointment
When required by applicable CMS rules, a Scope of Appointment (“SOA”) must be completed before discussing specific Medicare Advantage or Part D plan options.

Any required documentation will be handled and retained in accordance with applicable Medicare compliance requirements.

Medicare Plan Representation Disclosure
“We do not offer every plan available in your area. Currently we represent [number] organizations which offer [number] plans (contracted plans) in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.”

The exact CMS-required disclosure must be updated to reflect the agency’s current contracted organizations, plans, service areas, and applicable CMS-approved wording.

Medicare plan availability, benefits, premiums, provider networks, service areas, eligibility, and enrollment periods may vary by plan, location, and individual circumstances.

Information presented on this website is for general informational purposes and does not represent every Medicare plan or option available in your area.

For specific plan information, eligibility, enrollment, benefits, or costs, consumers should review applicable plan materials and official Medicare resources.

12. ACA Marketplace / GetCoveredNJ Notice
ACA Marketplace and GetCoveredNJ eligibility, premium tax credits, cost-sharing reductions, and other financial assistance are determined according to applicable federal and New Jersey requirements.

Eligibility and subsidy amounts may depend on factors including:
Household size;
Household income;
Tax filing status;
Residency;
Immigration or lawful-presence requirements;
Employer-sponsored coverage;
Enrollment period; and
Other applicable information.

Cham Joun Insurance Agency & Brokerage Corp. cannot guarantee eligibility, subsidy amounts, enrollment approval, coverage effective dates, or continued eligibility for government programs.

Official Marketplace determinations are made through the applicable Marketplace and government processes.

Users should verify current eligibility, enrollment deadlines, plan details, and financial assistance through official Marketplace resources.

13. Producer Compensation Disclosure
Insurance producers may receive commissions or other compensation from insurance carriers for policies sold or serviced, subject to applicable carrier agreements and law.

Compensation may vary by:
Carrier;
Product;
Plan;
State;
Policy type;
Renewal status; and
Other applicable factors.

Additional compensation information may be available upon request, subject to applicable law, carrier agreements, privacy obligations, and contractual restrictions.

14. Third-Party Websites & Links
This website may contain links to third-party websites, including:
Insurance carrier websites;
Medicare and CMS resources;
GetCoveredNJ;
Government websites;
Educational resources;
Enrollment platforms;
Appointment platforms; and
Other external services.

These websites and services are operated independently from Cham Joun Insurance Agency & Brokerage Corp.

We are not responsible for the content, accuracy, availability, security, accessibility, or privacy practices of third-party websites or platforms.

Your use of third-party websites and services is subject to their own terms, privacy policies, accessibility statements, and other applicable conditions.

15. Changes to This Policy
We may update this Privacy Policy & Website Terms from time to time to reflect changes in our:
Privacy practices;
Services;
Website features;
Technology;
Licensing scope;
Carrier relationships;
Business operations; or
Legal and regulatory requirements.

The updated version will be posted on this website with a revised Last Updated date and, when appropriate, a revised Effective Date.

Your continued use of the website after an updated policy is posted constitutes your continued use of the website subject to the updated terms, to the extent permitted by applicable law.

16. Contact Information
Questions regarding this Privacy Policy, Website Terms, licensing scope, accessibility, nondiscrimination, privacy practices, or insurance services may be directed to:

Cham Joun Insurance Agency & Brokerage Corp.
Norwood, New Jersey
Phone: (201) 866-0056
Email: ChamJounIns@Gmail.com

© 2026 Cham Joun Insurance Agency & Brokerage Corp. All rights reserved.