Age Requirement for Use of Site: This Site is not intended for use by persons under the age of 18 years old. You must be 18 years old or older to provide any personal information to the Site, or to us through the Site.
Domicile Requirement for Use of the Site: You represent and warrant that you are domiciled in the United States.
1. Collecting Information:Personally Identifiable Information
The Site may request and collect certain personally identifiable information including, but not limited to, Application Data and other personal information contained in User Submissions, through various means such as online forms, online applications, e-mail and comments submitted to the Site. Such information collected through the Site may include financial information, health-related information, and other sensitive information.Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via the Site, such as Site usage activity and preferences, also known as demographic or profile data.Why must you give so much personal information?
Insurance companies establish their rates using a variety of criteria. Since we deal with hundreds of companies, we must ask you questions required by all of them to determine the most competitive match for you.
2. Usage And Sharing:
We use information collected on and through this Site for a variety of purposes in the course of business and as otherwise set forth herein. For example, such information may be used to process your applications to receive quotations or to send you information about our and our affiliates' products and services and other information and materials that may be of interest to you. This information may also be used to evaluate what portions of the Site are more popular than others, determine where visitors came from, where they go, and how long they stay on a particular page, or the Site in general. We may match information collected from you through different means or at different times, and use such information along with information obtained from other sources, including third parties.
We may disclose your personal information to companies that perform technology or marketing services for us for their use in performing such services. We may transfer, sell or assign aggregate, non-personally identifiable information about Site usage to third parties. We may transfer, sell or assign personal information to third parties as a result of a sale of all or substantially all of our assets relating to this portion of our business or in connection with a merger, consolidation, change in control, reorganization or liquidation. We also reserve the right to disclose any information concerning you if required by law or to protect or defend our rights or the rights or well-being of our users or if you are involved (or are reasonably suspected to be involved) in any illegal activity, even without a subpoena, warrant or court order.
The application form on the Site supports encryption to help protect the security of your transfer of data to the Site. Although we will take all reasonable security precautions regarding information stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access, and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using the Site, you acknowledge that you understand and agree to assume these risks.
4. Consent To Processing:
By providing any personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories.
By submitting this information you are authorizing Brokers, Agents, discount program representatives and/or Insurance Professionals in the Health Plans of America network to contact you directly with quotes via telephone, fax, and email, regardless of the presence of your phone number(s) on any local or national no-call list.
6. California Consumer Privacy Act:
The site (“we,” “us,” or “our”) collects Personal Information provided by Consumers through the Site. In the past 12 months, we have collected the following information from Consumers:
|Category of Information||Examples||Information Collected|
|Identifiers||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||Yes|
|Categories of personal information described in subdivision (e) of Section 1798.80.||A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, medical information, or health insurance information.||Yes|
|Characteristics of protected classifications under California or federal law||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information).||Yes|
|Commercial Information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Yes|
|Biometric information||An individual’s physiological, biological or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.||No|
|Internet or other electronic network activity information||Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, advertisement.||Yes|
|Geolocation data||Physical location, position, and movement data.||Yes|
|Sensory information||Audio, electronic, visual, thermal, olfactory, or similar information.||No|
|Professional or employment-related information||Present and past employment data.||Yes|
|Education information||Education records maintained by educational institutions or third parties on behalf of these institutions.||Yes|
|Inferences drawn from any other information||Data reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities.||Yes|
The categories of Personal Information described above are collected from the following categories of sources:
- Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site.
- Directly and indirectly from activity on the Site, such as through Consumers’ interaction with this Site.
- From third-parties that work with us to provide services to Consumers, such as the third-parties that we connect Consumers with to fulfill their requests.
The information we collect is used to:
- Fulfill the purpose for which the information was provided by the Consumer
- Perform the activities described to you when collecting your personal information or as set forth in the CCPA
- Provide the Consumer with information, products, or services that have been requested
- Perform internal and external marketing
- Carry out obligations and enforce contractual rights
- Improve the services provided through the Site, such as through testing, research, analysis, and development
- Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation
- Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred
Additional categories of Personal Information will not be collected or used for materially different purposes without first providing the Consumer with notice.Sharing and Sale of Personal Information
We may sell or disclose Personal Information provided to us by Consumers for a business purpose. In the past 12 months, the following categories of Personal Information have been sold or disclosed for a business purpose:
- Characteristics of protected classifications under California or federal law
- Commercial information
- Internet or other electronic network activity
- Geolocation data
- Professional or employment-related information
- Education information
- Inference data
Consumers’ Personal Information is sold or disclosed for business purposes to the following categories of third-parties:
- Privacy and compliance service providers
- Insurance companies
- Insurance carriers
- Mortgage companies
- Marketing companies
- Call centers
- Lead buyers
- Lead generators
- Advertising agencies
Personal Information for minors under 16 years of age is neither collected, disclosed, nor sold.Consumer’s Rights
Consumers have several rights under the CCPA. These include:
- The right to know what categories and specific pieces of Personal Information are collected, disclosed for a business purpose, or sold by requesting this information from us
- The right to request deletion of Personal Information collected or maintained by us
- The right to opt-out of the sale of Personal Information
- The right not to receive discriminatory treatment by us for choosing to exercise privacy rights under the CCPA
- The right to designate an authorized agent for making requests under the CCPA on the Consumer’s behalf
Even after fulfilling a request for deletion, we are required to maintain records for statutory compliance.
To submit a request to know or delete Personal Information, please either call our toll-free telephone number (877) 363-6341 or send an email to firstname.lastname@example.org. Once we have received a request, we work with Consumers to verify the request. As part of the verification process, we may ask a Consumer to provide their first and last name, phone number, email, and/or address.
To opt-out of the sale of Personal Information, please complete the form located Do Not Sell.
To designate an authorized agent to submit requests under the CCPA on the Consumer’s behalf, please send an email to email@example.com
The table below contains information on the requests received in the previous calendar year and the actions taken:
|Type of request||Received||Complied with in whole or in part||Denied|
We were able to substantively respond to these requests within a median of ### days.
7. Your Acceptance Of This Policy: