A clear boundary for workforce data.

Affordability Checker notice · version affordability-privacy-2026-10-30 · effective October 30, 2026.

Registration and account information

Golden Bee Advisors, LLC dba The ICHRA Shop Insurance Agency operates this Checker with The ICHRA Shop. We collect your verified email, name, company or agency, selected client/broker role, account identifier, acknowledgment version and acceptance time to administer access, document authorized use, support the account and maintain security records. The account service also maintains authentication and session records. A selected broker role is self-reported and does not verify a producer license or confer access to any employer’s account.

What happens to your census

The Affordability Checker calculator processes the CSV you select in your browser tab. Its calculator does not upload that census to our servers or send it to CMS or an AI service. Its calculated results are not saved to your account. Export the results you need before leaving, and clear the census and sign out on shared devices. Downloaded CSVs and printed or saved PDFs are controlled by you and may contain confidential wage information.

This statement applies to this calculator, not to separate quote requests, enrollment, claims or document-upload services. Those workflows have their own notices and data handling.

Minimum necessary inputs

Use employee IDs and only the wage, state, class, contribution and premium values needed for the calculation. Do not enter employee names, SSNs, bank details, diagnoses, prescription histories, claims, medical records or other protected health information (PHI). A name-free census is not necessarily legally de-identified; compensation and benefit information remain confidential. Keep the ID-to-person mapping within your authorized organization.

HIPAA and Business Associate Agreements

Account registration, an acknowledgment or a security statement is not a Business Associate Agreement (BAA) and does not certify HIPAA compliance. This calculator is not approved for receiving PHI. Before any separate workflow creates, receives, maintains or transmits PHI, the parties must determine their HIPAA roles, execute applicable BAAs, confirm the service providers and safeguards, and authorize the workflow. Do not use this Checker to send PHI while that review is pending.

HHS guidance on HIPAA and cloud computing ↗

Access and security boundaries

Checker access requires a verified email session and a current registration acknowledgment checked by the server. Use only information you are authorized to process, do not share sign-in codes, and protect exported reports. The calculator page and access responses use private/no-store caching instructions. These measures reduce specific risks; they are not a claim of an independent security audit, universal encryption at rest, or HIPAA certification.

Service providers, retention and requests

Account, email-delivery, hosting and database providers process account information as needed to run the service. Registration and acknowledgment records are retained to administer access, support security and document authorized use, subject to applicable obligations. To request account information, a correction, deletion or a BAA review, contact our team. Some records may need to be retained to meet legal or contractual requirements. No specific deletion deadline or BAA approval is promised by this notice.

Analysis limitations

Results are planning estimates from your inputs, not a legal compliance certification, final tax-credit eligibility determination or penalty assessment. Verify benchmark evidence, plan year, wages, eligibility, permissible employee categories, same-terms requirements and consistent safe-harbor application before implementing contributions. Imported source labels are not independently verified by the calculator.

Registration does not purchase services, authorize bank charges or consent to marketing communications. Read the website privacy policy for broader website practices.