MARS ENTERPRISES INC.
PRIVACY POLICY
Effective Date: January 24, 2026
Last Updated: January 24, 2026
Introduction
Mars Enterprises Inc. ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.marsenterprisesinc.com and use our services, including health insurance, life insurance, annuity solutions, and professional tax preparation services.
This policy applies to all information collected through our website, forms, email, phone, and in-person interactions.
Information We Collect
Personal Information
We collect information that identifies, relates to, describes, or could reasonably be linked to you, including:
Contact Information:
- Full name
- Email address
- Phone number
- Mailing address
- Physical address
Identification Information:
- Social Security Number (SSN)
- Date of birth
- Driver's license or state ID number
- Tax identification numbers
Health Information (Protected Health Information - PHI):
- Health insurance policy information
- Medicare and Medicaid details
- Medical history and conditions
- Prescription information
- Health care provider information
- Dual-Eligible Special Needs Plan (D-SNP) eligibility information
Financial Information:
- Income information
- Tax returns and supporting documents
- W-2, 1099, and other tax forms
- Medicaid waiver payment information (IRS Notice 2014-7)
- Bank account information (for tax filing purposes)
- Credit card or payment information
- Life insurance and annuity details
Demographic Information:
- Age
- Gender
- Marital status
- Dependents
- Employment status
Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address
- Browser type and version
- Operating system
- Pages visited and time spent
- Referring website
- Device information
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience. You can control cookies through your browser settings. Please note that disabling cookies may affect website functionality.
We do NOT use:
- Google Analytics on pages containing health or tax forms
- Facebook Pixel or other social media tracking on secure pages
- Third-party advertising cookies on PHI-related pages
How We Use Your Information
Health & Insurance Services:
- Evaluate insurance needs and eligibility
- Provide Medicare Advantage with Prescription Drug (MAPD) planning
- Assess Dual-Eligible Special Needs Plan (D-SNP) eligibility
- Process insurance applications and enrollments
- Communicate with insurance carriers and healthcare providers
- Provide ongoing insurance support and advocacy
- Recommend life insurance and annuity products
Tax Preparation Services:
- Prepare and file federal and state tax returns
- Apply proper tax treatment of Medicaid waiver income (IRS Notice 2014-7)
- Calculate deductions, credits, and tax liability
- Communicate with the IRS and state tax agencies on your behalf
- Provide year-round tax planning and assistance
- Maintain tax records as required by law
General Business Purposes:
- Respond to your inquiries and requests
- Process payments and transactions
- Send service-related communications
- Comply with legal and regulatory requirements
- Prevent fraud and unauthorized access
- Improve our services and website
- Conduct internal business operations
Marketing (With Your Consent):
- Send newsletters and service updates
- Notify you of new services or special offers
- Provide educational content about insurance and tax matters
You may opt out of marketing communications at any time by contacting us or clicking "unsubscribe" in our emails.
How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
We may share your information with:
Service Providers and Business Partners:
- Insurance carriers and underwriters
- Medicare and Medicaid administrators
- IRS and state tax agencies
- Payment processors
- Cloud storage providers (AWS with HIPAA Business Associate Agreement)
- Email service providers
- Professional advisors (attorneys, accountants)
Legal Requirements:
We may disclose information when required by law or to:
- Comply with legal processes or government requests
- Enforce our Terms of Service
- Protect our rights, property, or safety
- Protect the rights and safety of others
- Prevent fraud or illegal activities
With Your Consent:
We may share information with third parties when you provide explicit consent.
Data Security
We implement comprehensive security measures to protect your information:
Technical Safeguards:
- Encryption: All data is encrypted in transit (TLS/HTTPS) and at rest (AES-256)
- Secure Storage: Files stored in encrypted AWS S3 buckets with HIPAA-compliant configuration
- Database Security: PostgreSQL database with encryption and access controls
- Session Security: Automatic logout after 15 minutes of inactivity
- Access Controls: Role-based access limiting who can view information
Administrative Safeguards:
- Security policies and procedures
- Employee training on HIPAA and data protection
- Background checks for employees with PHI access
- Incident response and breach notification procedures
- Regular security audits and risk assessments
Physical Safeguards:
- Secure facilities with access controls
- Locked file cabinets for physical records
- AWS data centers with industry-leading physical security
Monitoring and Logging:
- Comprehensive audit logs of all data access
- Logs retained for 6 years (HIPAA requirement)
- Monitoring for unauthorized access attempts
- Regular security updates and patches
Your Rights and Choices
Access and Correction:
You have the right to:
- Access your personal information
- Request corrections to inaccurate information
- Obtain a copy of your data
- Request an accounting of disclosures
Restriction and Objection:
You have the right to:
- Request restrictions on how we use your information
- Object to processing for direct marketing
- Opt out of marketing communications
Data Portability:
You have the right to receive your data in a portable format.
Deletion:
You have the right to request deletion of your information, subject to legal retention requirements:
- Tax records: 7 years (IRS requirement)
- HIPAA records: 6 years minimum
- Legal obligations may prevent immediate deletion
Filing a Complaint:
If you believe your privacy rights have been violated, you may:
- Contact us at info@marsenterprisesinc.com
- File a complaint with the U.S. Department of Health and Human Services (HHS)
- File a complaint with your state Attorney General
We will not retaliate against you for filing a complaint.
Data Retention
| Information Type | Retention Period |
|---|---|
| Tax records | 7 years after filing |
| Health/insurance records | 6 years minimum (HIPAA) |
| General business records | 3-7 years |
| Marketing data | Until opt-out + 30 days |
| Audit logs | 6 years (HIPAA) |
After the retention period, we securely delete or destroy information using industry-standard methods.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to read their privacy policies.
Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it immediately.
Business Associate Agreements
We have Business Associate Agreements (BAAs) with:
- Amazon Web Services (AWS) - cloud storage and database
- [Other vendors handling PHI will be listed here]
These agreements ensure our vendors maintain HIPAA compliance.
Changes to This Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be communicated via:
- Email notification
- Prominent notice on our website
- Notice during your next visit or service
Your continued use of our services after changes constitutes acceptance of the updated policy.
Contact Us
For questions, concerns, or to exercise your privacy rights, contact:
Mars Enterprises Inc.
Privacy Officer
Email: info@marsenterprisesinc.com
Phone: (814) 844-3511
2630 Parade St, Erie, PA 16504
Hours: Monday-Friday, 9:00 AM - 5:00 PM EST
We will respond to privacy requests within 30 days.
State-Specific Rights
California Residents (CCPA):
California residents have additional rights under the California Consumer Privacy Act, including:
- Right to know what information is collected
- Right to deletion
- Right to opt out of sale (we do not sell information)
- Right to non-discrimination
Other States:
Residents of other states may have additional privacy rights under state law. Contact us for information specific to your state.
By using our services, you acknowledge that you have read and understood this Privacy Policy.