Privacy Policy and Notice of Privacy Practices (Where Applicable)
The AMT Agency, LLC (a wholly owned subsidiary of Association Master Trust)
THIS NOTICE DESCRIBES HOW PERSONAL INFORMATION (INCLUDING, IN SOME CASES, HEALTH INFORMATION) ABOUT YOU MAY BE USED AND DISCLOSED, AND HOW YOU CAN GET ACCESS TO THAT INFORMATION. PLEASE REVIEW IT CAREFULLY.
Effective Date: December 29, 2025
Last Revised: December 29, 2025
The AMT Agency, LLC (the “Agency,” “we,” “us,” or “our”) is a general agency that works with brokers, employers, carriers, and benefit programs (including Association Member Trust) to help arrange and administer health and welfare benefits. This Policy explains how we collect, use, disclose, and safeguard information in the course of providing our services.
Key Terms
"Personal Information" is information that identifies, relates to, describes, or could reasonably be linked with an individual or household (for example, name, contact details, and certain identifiers).
"Nonpublic Personal Information" ("NPI") is certain nonpublic financial and insurance-related information about a consumer or customer that is protected under federal and state financial privacy laws (including the Gramm–Leach–Bliley Act and state insurance privacy laws).
"Protected Health Information" ("PHI") is individually identifiable health information that is protected by HIPAA when handled by a HIPAA covered entity or its business associate.
Depending on the service we are providing and the parties involved, some information we handle may be subject to HIPAA and/or other privacy laws. When we receive PHI on behalf of a HIPAA covered entity (such as a health plan), we will use and disclose that PHI only as permitted by HIPAA and our contracts.
Information We Collect
We may collect information from you, your employer or association, your broker, carriers, and other sources, such as:
Contact information (such as name, address, email, and phone number).
Employment and eligibility information needed to administer benefits.
Insurance and benefits information (such as plan selections, enrollment status, and premium-related information).
Information provided in applications, forms, or communications with us.
Health information where necessary to arrange coverage or administer benefits (for example, evidence of insurability information, as permitted by law).
Information from service providers and publicly available sources, as permitted by law.
How We Use Information
We may use information for purposes such as:
Providing quotes, arranging coverage, enrolling individuals, and servicing accounts.
Communicating with you and responding to requests.
Coordinating with carriers, benefit programs, brokers, and employers regarding eligibility, enrollment, and billing matters.
Operating, maintaining, and improving our services and systems.
Detecting, preventing, and responding to fraud, abuse, and security incidents.
Complying with legal obligations and enforcing our agreements.
How We Share Information
We may share information as permitted or required by law, including with:
Our parent company (Association Master Trust) and affiliated entities for business purposes consistent with this Policy.
Carriers and benefit programs (such as health, dental, vision, and life insurers) to arrange or administer coverage.
Employers, associations, or plan sponsors as needed for plan administration (and consistent with applicable law and plan terms).
Service providers (for example, IT hosting, analytics, printing/mailing, legal, and professional advisors) that perform services for us and are required to protect the information.
Government agencies, regulators, and law enforcement when required or permitted by law.
Other parties with your written authorization or at your direction.
HIPAA and PHI
The Agency is not itself a health care provider. However, we may receive PHI when we perform services for a HIPAA covered entity (for example, a health plan) or in connection with benefit administration. In those situations, we will protect PHI and use or disclose it only as permitted by HIPAA, applicable law, and our agreements.
If you are seeking to exercise HIPAA rights (such as access to PHI, amendments, restrictions, or an accounting of disclosures), those requests generally must be submitted to the applicable health plan or covered entity. We can assist by directing you to the appropriate contact.
Special Protections for Certain SUD Records (42 CFR Part 2)
If we receive substance use disorder (SUD) treatment records that are subject to 42 CFR Part 2, those records may be subject to additional protections beyond HIPAA. In general, Part 2 records cannot be used or disclosed in legal proceedings against an individual without the individual’s written consent or a qualifying court order, as applicable.
Your Choices and Rights
Depending on the type of relationship you have with us and the laws that apply, you may have certain choices and rights, including to:
Request access to or correction of certain personal information we maintain about you (subject to verification and legal limitations).
Opt out of certain marketing communications (for example, by using an unsubscribe link where available).
Ask questions about our privacy practices.
If your request relates to PHI held by a health plan or insurer, we may refer you to that entity’s Notice of Privacy Practices for the applicable process.
How We Protect Information
We maintain reasonable administrative, technical, and physical safeguards designed to protect information we handle. No system can be guaranteed to be 100% secure; however, we work to reduce risk through security controls, workforce training, and vendor oversight.
Changes to This Policy
We may update this Policy from time to time. When we do, we will revise the “Last Revised” date above. If we make material changes, we will post the updated Policy on our website or otherwise provide notice as required by law.
Contact Us
If you have questions about this Policy, contact:
The AMT Agency, LLC – Privacy Contact
636 Morris Turnpike, Suite 2A, Short Hills, NJ 07078
Phone: (973) 379‑1090
Email: info@amt-nj.com
Website: www.amt-nj.com
