Marschil Insurance Agency Inc. d/b/a NorthEast Insurance Services provides this notice to you, our customer and any visitor to our web-site, so that you will know what we do with the personal information, personal financial and health information (collectively referred to as the “protected information”) that we may receive from you directly or receive from your insurance carrier or receive from another source that have been authorized to send us your protected information. We at NorthEast Insurance Services are committed to protecting your privacy as visitor to our web-site and as our customer.  We are concerned about your privacy and assure you that we will do what is required of us to safeguard your protected information. 

What types of information will we be collecting? 

NorthEast Insurance Services collects information from you required both for our business and pursuant to regulatory requirements. This information is voluntary but without it, we cannot provide our products and services for you. We will be collecting protected information about you that may include:

  • Applications or other forms, such as name, address, Social Security number, assets and income, employment status and dependent information;
  • Your transactions with us or your transactions with others, such as account activity, payment history, and products and services purchased;
  • Consumer reporting agencies, such as credit relationships and credit history. These agencies may retain their reports and share them with others who use their services;
  • Other individuals, businesses and agencies, such as medical and demographic information; and
  • Visitors to our websites, such as information from on-line forms, site visitorship data and on-line information collection devices, commonly called “cookies.”

What will we do with your protected information? 

The information NorthEast Insurance Services gathers is shared within our company to help us maximize the services we can provide to our customers. We will only disclose your protected information as is necessary for us to provide the insurance products and services you expect from us. NorthEast Insurance Services does not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

In addition, we may disclose your protected information to medical care institutions or medical professionals, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated third parties as is reasonably necessary to conduct our business or as otherwise permitted by law.

Our Security Procedures:

At NorthEast Insurance Services, we have put in place the highest measures to ensure the security and confidentiality of customer information. We will handle the protected information we receive by restricting access to the protected information about you to those employees and agents of ours who need to know that information to provide you with our products or services or to otherwise conduct our business, including actuarial or research studies. Our computer database has multiple levels of security to protect against threats or hazards to the integrity of customer records, and to protect against unauthorized access to records that may harm or inconvenience our customers. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to safeguard all of your protected information.

Web-Site Cookies:

A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiiting our web-site.  We may utilize a short-lived form of cookies when you visit our web-site.  At NorthEast Insurance Services, a cookie is only used to identify one unique visitor from another visitor during a particular session.  A session is the period of active site-use while that unique visitor is linked to our site.  No personally identifiable information is stored on the cookie.  We use cookies to store information and personalize your experience with our web-site.

Website Third Party Links:

Our web-site may contain links to third party sites that are not controlled by NorthEast Insurance Services.  These third party links are made available to you as a convenience and you agree to use these links at your own risk.  Please be aware that NorthEast Insurance Services is not responsible for the content of third party web-sites linked to NorthEast Insurance Services nor are we responsible for the privacy policy or practives of third party web-sites.  Our web-site privacy policies only apply to information we collect from you while you are at and while your are actively in a session with NorthEast Insurance Services.  If you should link to a third party web-site from our site, we strongly encourage you to review and become familiar with that web-site’s privacy policy. Privacy Policy applies to information that we collect from you.

Our Legal Use of Information:

We retain the right to use ideas, concepts, know-how, or techniques contained in any nonpublic personal information you provide to us for our own purposes, including developing and marketing products and services.

How to file an appeal with GetCoveredNJ (GCNJ) or a complaint with the Department of Banking & Insurance (DOBI):

You have the right to file a complaint/appeal with GCNJ regarding your determination. You have 90 days from the date of your determination to ask for an appeal.  You can find the form here: and they can be mailed to: Get Covered NJ Attn: Appeals PO Box 55898 Trenton, NJ 08638. 

To file a complaint with DOBI, you can call them at 609-292-7272 or 800-446-7467. You can also find more information on their website as well as an online form.

Your Right to Review Your Records:

You have the right to review the protected information about you relating to any insurance or annuity product issued by us that we could reasonably locate and retrieve. You may also request that we correct, amend or delete any inaccurate information by writing to us at Marschil Insurance Agency, Inc. d/b/a NorthEast Insurance Services 4400 US Highway 9 South, Suite 3300 Freehold, NJ 07728. You have the right to revoke authorization at any time.

This Notice is Subject to Change:

We may change the terms of this notice and our privacy policies at any time. If we do, the new terms and policies will be effective for all of the information that we already have about you, as well as any information that we may receive or hold in the future.  Please note that we do not destroy personal information about you when you terminate your coverage with us. It may be necessary to use and disclose this information for the purposes described above even after your coverage terminates, although policies and procedures will remain in place to protect against inappropriate use or disclosure.