Effective Date/Last Updated: August 18, 2023
Please note if you are not a U.S. resident, you are not permitted to use the Sites and/or otherwise access any other Services.
We may collect the following categories of Information:
Note that sharing your Information with us is optional. You can still access information related to Insurance Products without disclosing your Information on our Website by calling the toll-free number provided and speaking with a licensed insurance agent. Please be advised that the Approved Recipients may request Information from you to help complete the application process.
We may collect Information from the following sources:
We may use Information in the following ways:
We will only sell Information with Approved Recipients in connection with the Services, including the delivery of email messaging, telemarketing calls, text/SMS messaging, and push notifications, if we have obtained TCPA Consent from such users to be contacted by telephone or text/SMS messaging and push notifications.
We may share Information in the following ways:
You do not have to consent to the sale or sharing of your Information in order to use the Services. See below on how you can withdraw your consent at any time. When we share and/or sell Information, we enter into agreements that describe the purpose for which the Information is shared/sold, restrict its use to the agreement's specified purpose, and require that all Information remain confidential and be protected from unauthorized disclosure.
The Sites are designed to comply with the Children's Online Privacy Protection Act ("COPPA") and other laws protecting children's privacy. In compliance with COPPA, we do not knowingly solicit, collect, or retain Information from children less than the age of 18. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you are a parent or guardian of a child under 18 years of age and you think your child has given us Information, you can email us at email@example.com. In compliance with the CCPA, we do not knowingly sell or share Information of users under the age of 18 for any commercial purpose.
We may use Google Analytics and similar tools provided by our third-party partners to help analyze how users interact with the Site and to display customized ads and other content to our users during a current browsing session or in the future when the user is online. These analytics are performed by using the technological means described above to monitor a user's interactions with the Site and do not involve the collection of any additional Information.
Most browsers are initially set up to accept Cookies, but users can reset their Internet browsers to refuse all Cookies or to indicate when a Cookie is being sent or to refuse online tracking. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. In general, when a "do-not-track" setting is active, the user's browser notifies other websites that the user does not want their Information and online behavior to be tracked and used, for example, for interest-based advertising. As required under some state laws, we are required to inform users that, as is the case with most websites, we generally do not honor or alter our behavior when a user to one of the Sites has activated the "do-not-track" setting on their browser. The exception to this is in the case of California consumers, where, in compliance with the CCPA, we will honor any opt-out preference signals they set on applicable browsers.
Even where you reject a Cookie, you may still use the Site, but your ability to use certain features or offerings may be impaired. For example, if you return to the Site, you may have to re-enter Information you previously supplied to us. We may retain Cookie data indefinitely.
Users may opt-out from interest-based advertising delivered to their web browser by companies who have elected to participate in one of the interest-based advertising opt-out mechanisms such as the Digital Adverting Alliance's opt-out program located here or the National Advertising Institute's opt-out program located here. Users may also choose to opt-out of interest-based advertising on their mobile devices. For more information, please click here. Please note that opting out of interest-based advertising does not mean you will no longer see advertising online. Rather, it means that the company or companies from which you opt-out will no longer show ads that have been tailored to your interests.
Users may opt-out from receiving future contact from us via the following ways:
You may opt-out of the sale or sharing of your Information at any time. To opt-out of the sharing/sale of your Information click on the "Do Not Sell My Personal Info" link on the bottom of the Site page(s) that you have visited and/or provided Information to and complete the form. You can also send an email to firstname.lastname@example.org, stating that you want to opt-out of the sale and sharing of your Information. We do not require a verification process to opt-out, but we reserve the right to confirm this request by sending you an email containing a final "Do Not Sell My Personal Info" link and requesting that you respond to the email. Please note that it may take us several days to process an opt-out request. In compliance with the CCPA, we will honor any opt-out preference signals California consumers set on their applicable browsers.
Users who provide Information to us may contact us here to correct their Information, request their Information be deleted, and/or access what Information we have collected, processed, and shared/sold. We will respond to user requests within forty-five (45) days. If you request deletion of your Information, please note that your Information will be suppressed from further use as described in this Policy. However, please remember that if we have already shared your Information with the Approved Recipients, you will need to contact those Approved Recipients individually to have them suppress or delete your Information. Note that we may retain and use your Information as necessary to comply with our policies including legal obligations, dispute resolution, and enforcement of our agreements.
When you make a request regarding accessing, correcting, or deleting your Information, we will ask individual users to identify themselves and the Information requested to be accessed, corrected, or deleted before processing such requests. To the extent permitted by applicable law, we may decline to process requests that we are unable to verify, are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning Information residing on archive servers).
Please refer to the U.S. State Law Rights and Disclosures section below for additional information on privacy rights for consumers in certain states.
Our surveys and multiple-choice questions may ask health and wellness-related questions. We may share your responses with Approved Recipients who advertise health and wellness-related products and services. If you do not wish to share health and wellness-related Information, do not answer the health and wellness-related survey and multiple-choice questions and do not provide TCPA Consent.
Some of the Approved Recipients offer Medicare Supplement plans. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. Approved Recipients have confirmed to us that all related optional marketing deals on the Site comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. With your consent, we may provide Information to Medicare Supplement providers so they can contact you. If you do not wish us to share your Information, do not provide consent to telemarketing.
We use commercially reasonable efforts to prevent unauthorized access, disclosure, or accidental loss or destruction of your Information. Access to your Information is strictly limited and we take reasonable measures to ensure that your Information is not accessible to the public. We restrict access to users' Information to only those persons who need access to perform or provide their job or service, both internally and with our third-party service providers. Information is encrypted with advanced TLS (Transport Layer Security) when collected, stored, and/or transmitted.
While we have endeavored to create a secure and reliable Site for users, we are not able to fully eliminate security risks associated with Information. Given the nature of the Internet, your Information passes through entities that we are unable to control. Therefore, we cannot guarantee that our security measures or those of third parties who access or transmit your Information will prevent your Information from being improperly accessed, stolen, or altered. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies if we learn of an information security breach of your Information. You will be notified via email in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Some U.S. states have enacted laws that provide statutory rights to consumers in their state. The information below describes those rights and how you can exercise them.
This Policy provides timely notice to users, including those who are California residents and fall within the definition of "consumers" as provided for in the California Consumer Privacy Act ("CCPA"), that we collect Information at or before collection.
In the chart below, we set forth the categories of Information we collect from users and which categories of Information we share. We collect these categories of Information for the following purposes: to provide you with information about the Services, and other content and products and/or services that we believe may be of interest to you, including sending you communications that you have consented to receive; for website operations, content improvements, testing, research, analysis, and product development; to verify whether users are entitled/eligible to participate in the Services; to provide users with customer service and respond to customer inquiries; to carry out our obligations and enforce our rights arising from any contracts entered into between users and us, and any inquiry into whether the user has provided express written consent where required under applicable law; to detect, investigate, and respond to any fraudulent or malicious activity or any other activity we determine is or may be a violation of our Terms and Conditions, this Policy, or existing laws, rules, and regulations; as necessary or appropriate to protect the rights, property, and/or safety of us, the Approved Recipients, and our service providers; to maintain suppression or opt-out lists so that we won't contact users who have asked not to be contacted; to augment Information by enhancing it with other data sources provided by the Approved Recipients, and service providers to enable us (for example, to gain deeper insights into our users); and to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims, or when we determine it is necessary to comply with applicable laws and/or regulations. We will retain your Information unless you exercise your data privacy rights for so long as we need to protect us from claims related to your interactions with us. For example, if you complete survey questions in connection with the Services, we will retain the Information relating to your sign up for so long as you could challenge that transaction. For Identity Verification, the Information is retained no longer than six (6) months after submission.
We do not knowingly sell or share Information of users under the age of eighteen (18) years for any commercial purpose.
|Identifiers (such as real name, alias, postal, email and/or IP addresses, telephone numbers, contact preferences and birth date)||Yes, for the business and commercial purposes|
|Personal information (such as the Identifiers listed above, gender, education, employment, employment history, financial information, home or automobile ownership, medical and health information, and insurance-related information, including Medicare) and which may include Information that is a protected classification characteristic under state and/or federal law) and/or sensitive personal information under state law, including the CCPA (for example, race and/or ethnic origin, physical or mental disability, or sexual orientation)||Yes, for business and commercial purposes|
|Commercial information (including preferences, products or services purchased, obtained, or considered, or other purchasing data)|
|Internet or similar network activity (such as browsing and search history and information about a consumer's interaction with a website, application, or advertisement) information available from Internet activity (such as device types, user agent data, referring URLs, and IP addresses)|
|Inferences drawn from other categories of Information (for example, a profile reflecting a person's preferences, characteristics, psychological trends, and attitudes).|
|Information related to a user's consent to receive telemarketing calls, SMS messaging, push notifications, commercial email, and other forms of communication (which may include the creation of a report and visual playback of a user responding to one or more survey questions and interacting with the page that seeks to obtain a user's "prior express written consent" (as defined in the TCPA ("TCPA Consent"))||Yes, for business purposes|
California consumers have rights under the CCPA regarding their Information. These rights are:
Verification Process. We require a verification process for requests to access, correct, or delete Information in order to prevent an unauthorized third-party from accessing or making decisions regarding a user's Information. Generally, we will verify a request by matching the identifying information supplied by the user with the Information we already have for the user. If we cannot verify the user using the foregoing method, we may request additional information, such as a government-issued identification card, which we will not retain or use for any other purpose.
Use of an Authorized Agent. California consumers may also designate an authorized agent to make these requests on their behalf. You must provide written authorization to the authorized agent that they are authorized to act on your behalf. When contacting us, the agent must submit proof of that authorization. If you use an authorized agent to submit a request, we may need to collect additional information, such as a government issued identification card, to verify your identity before processing your request to protect your Information.
Timing. We will confirm receipt of your request within ten (10) business days. For all verifiable consumer requests, we strive to respond within forty-five (45) days of receipt. If we require additional time, which can be up to ninety (90) days in the aggregate, we will provide written notice. Any disclosures we provide will be delivered electronically in a secure fashion. If, for some reason, we cannot fulfill or comply with your request, our response will explain that decision.
How We Handle Deletion Requests After Verification. Once we receive and confirm your request to delete, we will delete or de-identify (and direct our service providers, vendors, and other applicable third parties to delete) your Information from our system other than from our archive servers (which we maintain for compliance purposes), unless there is an applicable exception. If we do not comply with a deletion request, we will provide you with grounds for the denial in writing. Note that after a deletion request, we may retain and use your Information for the limited purpose of complying with our policies, including this Policy, and to comply with applicable laws.
Disclosure of Information Collected and Sold. Once we receive and confirm your verifiable consumer request to access your Information, we will disclose to you the following:
California consumers have the right to opt-out from the sale or sharing of their Information, including the sale of sharing of any sensitive Information. We provide a "Do Not Sell My Personal Info" link on each Website page where we collect Information that links to an online request form. You can access the form here or you can send an email to email@example.com and elect to opt-out from the sale of your Information. We do not require a verification process to opt-out, but we reserve the right to confirm your request by sending you an email and requesting that you respond to the email.
While our agreements with third parties to whom we sell or disclose Information prohibit the further sale or use beyond the scope of our agreement with them, if we have sold or shared a California consumer's Information after an opt-out request is submitted but before we have complied with the opt-out, we will, where possible, notify all third parties to whom we have sold or shared a California consumer's Information to comply with the opt-out request. If the user requests a transaction with us that requires the sale of their Information, we will inform them that they have opted out and if they want to proceed with the transaction, we will offer the opportunity to opt-in.
Under the CCPA, "Sensitive Personal Information" includes non-public information that reveals a consumer's social security, driver's license, state identification card, or passport number, a consumer's account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, a consumer's racial or ethnic origin, religious or philosophical beliefs, or union membership, Information collected and analyzed concerning a consumer's health, sex life, or sexual orientation. As noted in the Categories of Information We Collect section above, we do collect, use, share, and sell Information defined as Sensitive Personal Information under the CCPA.
Certain browsers allow users to enable an opt-out preference signal in their browser settings (a "Global Privacy Control"). When a Global Privacy Control is enabled, it signals websites that the user visits that the user is automatically exercising their right to opt-out of the sale or sharing of their Information without the need, for example, of clicking on a "Do Not Sell My Information" link. Via our service provider, we have enabled acceptance of California users' Global Privacy Control.
Commitment to Nondiscrimination. We are committed to not discriminating against California consumers who exercise their CCPA rights. As such, unless otherwise permitted by the CCPA, we will not deny, charge you different prices or rates, or provide a different quality level of goods or services, including through granting discounts or other benefits, or imposing penalties, and/or suggest that you may receive a different price, rate, or quality level of goods or services. While we do not provide financial incentives for users who do not exercise their CCPA rights, please note that some of the functionality of the Site may be unavailable if consumers exercise their right to have their Information deleted.
CCPA Metrics. We are required to compile certain annual metrics regarding the CCPA, including the number of disclosure, deletion and opt-out requests we receive, the median number of days it takes us to respond, and how many of each were denied. The metrics for the last calendar year are displayed here. Please note that the information outlined is compiled from various entities, which include our parent, subsidiaries, and other entities under common control with us.
Virginia, Colorado, Connecticut, and Utah consumers have rights under the VCDPA, CPA, CTDPA, and UCPA, respectively, regarding their Information. These rights are:
Timing. If we have not taken action or deny your request to know, access, correct, delete or opt-out, you may appeal the decision within ninety (90) days by writing to us at firstname.lastname@example.org. Within sixty (60) days of receipt of this written appeal, we will inform you in writing of any actions taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions.
De-identified Data Disclosure. We may use de-identified data in some instances (data that cannot be linked to any identifiable natural person or any device linked to any such person). We maintain de-identified data without attempting to re-identify it, and any de-identified data that is sold or shared is not able to be re-identified.
Commitment to Nondiscrimination. We are committed to not discriminating against consumers who exercise their privacy rights. As such, unless otherwise permitted by applicable law, we will not deny, charge you different prices or rates, or provide a different quality level of goods or services, including through granting discounts or other benefits, or imposing penalties, and/or suggest that you may receive a different price, rate, or quality level of goods or services. While we do not discriminate against users who exercise their rights, please note that some of the functionality of the Site may be unavailable if consumers exercise their right to have their Information deleted.
Other U.S states grant their residents privacy rights, including, for example, in Nevada, where you have the right to opt-out of the sale of Information. To exercise your privacy rights, please submit your request by clicking on the link "Do Not Sell My Personal Info" or send an email to email@example.com. In your request, please specify that you want to exercise your rights and specify the Site that you visited and the email address you registered with. We may contact you to ask you for further information to help you exercise your rights. We will try to respond to requests within one month and we will let you know if we need to take longer, for example, because your request is complicated. Other states have enacted and may enact in the future data privacy laws. We will update this Policy as needed to reflect these new laws when they take effect.
If you have any questions, comments, complaints, or suggestions regarding this Policy or the Site, please contact us here.