Privacy Policy


HealthInsuranceGuide.org is an independent website and is not a federal or state Marketplace website.

Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website is privately owned, and neither affiliated with, nor endorsed by, nor operated by any government agency. If you are looking for the government's official website visit Healthcare.gov This privacy policy applies to visitors to the site HealthInsuranceGuide.org (the “Site”), which is owned and operated by HealthInsuranceGuide.org (hereinafter referred to as "we", "our", or "us"). The purpose of this privacy policy is to disclose to you what information we may collect, how we may collect it, with whom we may share it, and certain other matters related to such information, including the choices you have regarding our collection of information and our use and disclosure to other parties of information we may have collected from you.

If you have any questions about this privacy policy, please contact us at [email protected]

TYPES OF INFORMATION THAT MAY BE COLLECTED When you visit the Site, we may collect personal information that you voluntarily provide to us, such as your name, email address, telephone numbers, physical address, gender, zip code, health information, medical condition, or other information voluntarily provided by you to the Site. We may also collect information about your interaction with the Site, including information about keystrokes and form input, or screenshots of your Site activities (regardless of whether you submit any information to the Site). We also collect any content that you submit to the Site, such as surveys and questionnaires, including personal information that is included in such content. We may passively collect certain types of information whenever you visit the Site. For example, we may collect click-stream data, your IP address and other usage information sent to us by your browser or device.

We may also collect aggregated information as you visit the Site.

HOW INFORMATION MAY BE COLLECTED

We may request personal information from you via online forms, questionnaires, surveys or voting polls. Participation is voluntary and you will have the opportunity to decide whether or not to disclose information. At times, you may have to register to vote or to take part in a survey. Cookies This Site is cookie-enabled to give you a more customized user experience. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. Cookies are used to collect information on the number of visitors to our site and the number of pages viewed. It is also used to provide relevant information to our visitors and for website and system administration, including research and development, user analysis and business decision-making. Other Web Tracking Technologies

We may use web beacons, device identification, and other standard Internet technologies to track your activities of the Site. Web beacons (also known as clear gifs, pixel tags, targeting and re-targeting pixels, affiliate party pixels or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon.

HOW WE USE THE INFORMATION COLLECTED
  • We own the information collected via this Site. As applicable, the information you provide to us may be used to:

  • Deliver the services you requested;

  • Contact you about the Site;

  • Monitor or improve the use of the Site;

  • Customize the advertising and content you see;

  • Verify compliance with laws and regulations, including the Telephone Consumer Protection Act;

  • Monitor compliance with our terms of use;

  • Provide special offers to you from us

  • Develop new offerings on the Site;

  • Send you promotional material on behalf of our business partners;

  • Develop and display content and services tailored to your interests on our website and other websites;

  • Develop and deliver targeted advertisements;

  • Measure the overall effectiveness of our online advertising and content;

  • Research and analyze your use of, or interest in, our products, services and content and the products, services and content offered by others;

  • Communicate with you about products or services that may be of interest to you.

WITH WHOM THE INFORMATION MAY BE SHARED

We employ from time to time other businesses, certain services and individuals to perform functions on our behalf. Examples include sending e-mail, removing repetitive information from customer lists, maintaining databases, Site analysis, analyzing data, providing marketing assistance, implementing advertising strategies, and providing customer service. These entities have access to personal information needed to perform their functions, but may not use it for other purposes.

Expressions of Interest or Requests for Information or Quotes

When you submit a request for information, quotes or offers or make an expression of interest regarding a type of product or service (by, for example, completing a form or questionnaire). When you submit a request for information, quotes or offers or make an expression of interest regarding a type of product or service, you authorize us to provide your personal information (including any medical information you provide) to those Business Providers and to allow them to contact you directly.

If you submit a request for quotes or information for an insurance product, we will disclose/forward your personal information to Business Providers including insurance companies, insurance agents or agencies or insurance brokers who are interested in contacting you to provide the requested quotes or information and market insurance product or services to you.

Collection and Sale of Health Information

We may transfer the personally identifiable health information that you voluntarily provide us to Business Providers that offer, market or provide health insurance products and services, for their direct marketing purposes. These companies may retain your information whether or not you use their services or buy their products. The privacy policies of these Business Providers govern their use of your information.

AGGREGATE INFORMATION

We may share aggregate information such as demographics and Site usage statistics with advertisers, sponsors or other organizations.

When this type of information is shared, the other parties do not have access to your personal information.

Legal Transfers

The Site may be sold along with its related assets, or other transactions may occur in which your personal information is one of the business assets transferred, including a sale in bankruptcy or a sale or reorganization of all or part of our business. In such a case, your personal information, which we have gathered, may be one of the business assets we transfer.

In the event we are required to respond to subpoenas, court orders or other legal process your personal information may be disclosed pursuant to such subpoena, court order or legal process, which may be without notice to you.

EMAIL COMMUNICATIONS

By using this site you agree to receive email communications from us. When you open emails from the Site, we may receive a confirmation noting you opened an email from us, if your computer supports such capabilities. We also may keep track of what emails we send you and what emails you may be receiving from us and our subsidiaries and affiliates. We also may keep track of what emails you send to us.

UPDATING PERSONAL INFORMATION

If your personal information (such as your address) changes, or if you no longer desire to access our Site, you may correct, update or remove the personal data you have provided to us by making changes to your profile or by using an opt out message in an email with your request. If you have any questions about this privacy policy, or the privacy practices of this Site, please contact: [email protected]

NOTIFICATION OF CHANGES AND YOUR ACCEPTANCE OF THE POLICY

By using this Site, you signify your agreement to the terms of this privacy policy. If we decide to change or update this privacy policy, we will post the change or update here. Your continued use of the Site shall constitute your acceptance of such revised privacy policy.