Privacy Policy - Health Market Solutions

Privacy Policy:

Last Updated: 1/1/2023

Health Market Solutions LLC ( “Health”, “we”, “us”, and “our”) recognize the importance of protecting the privacy of the personal information you provide to us. Accordingly, we have developed this Privacy Policy (the “Policy”) so that you can make educated and informed decisions about the personal information that you entrust to us by engaging our services on the websites, social media, email exchanges, mobile apps, and other online services on which this Policy is posted or linked (the “Service”), and understand how we collect, use, disclose, and otherwise manage this information.

Your use of the Service is conditioned upon your agreement to this Policy and our Terms of Use. Before using our Service, please read this Policy carefully as it contains important information on who we are and how and why we collect, store, use, and share your personal information. This Policy also explains your rights in relation to your personal information and how to contact us or the relevant supervisory authorities in the event you have a complaint.

This Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Policy. To the extent that any translated versions of this Policy conflict with the English language version, the English language version of this Policy shall control.

Children and Individuals Under the Age of Eighteen

The Service is not meant for individuals under the age of eighteen, and the Service may use mechanisms to prevent the registration and use of the Service by such underage individuals. Health will never knowingly request or collect personal information from any child. If you are under eighteen years old, please do not provide your information on our Service. Upon notification that a child has provided us with personally identifiable information, we will delete the child’s personally identifiable information from our records. If you believe we might have any information from a child, please contact us.

Collection of Personal Information

Information you provide to us

Health will collect personal information from you directly when you interact with our Service, contact us, use our Service, or subscribe or sign up to receive offers or emails from us. The information you provide can be submitted via an online form, over the phone, or by another means through which you interact with the Service.

Information we obtain indirectly

We may receive personal information about you from our third-party affiliates or partners, such as our publisher partners to whom you may have submitted your Information, and from marketing companies that provide us with such information as a part of their relationship with us along with their earlier-obtained consents to share your information with us, which we rely on in contacting you. We may purchase this information from said third parties, and all information collected will be used in accordance with this Policy.

We may combine this with data that we already have collected about you. Such collected data could include contact details (such as email address) and automatically collected log information.

Information collected automatically

When you use our Service, we collect certain information about you automatically through our use of cookies and similar technologies, and we may combine this automatically collected log information with other Information that we collect about you.

Some information may be collected using tracking technologies provided by third parties. Information collected by a third party will be subject to that party’s privacy policies and terms of service.

Categories of Personal Information Collected and Purpose for Collection

Health collects the following categories of personal information: (1) contact information including your name, email address, street address, city, state, phone number, and zip code; (2) demographic information including your household income, date of birth, the number of people in your family, whether you smoke, and whether you have any preexisting conditions; (3) online behavior information including online activity, preferences, and time spent viewing features; and (4) device and usage information, such as your IP address, browser and device characteristics, information about how and when you use our Service, internet service provider (ISP) information, referring and exit pages, operating system, clickstream data, and other technical information.

Unless stated otherwise in a separate agreement or provided by you in an application for health insurance or other services that require the provision of certain sensitive information, Health does not collect sensitive personal information such as your social security, driver’s license, state identification card, or passport number; your account login, 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; your racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of your mail, email and text messages, unless we are the intended recipient of the communication; your genetic data; your biometric information for the purpose of uniquely identifying you; and personal information collected and analyzed concerning your sex life or sexual orientation. We ask that you not send nor disclose this sensitive personal information to us.

Health collects your contact and demographic information with the goal of finding an affordable health insurance plan that works for you and your family.

Health only collects and processes the minimum amount of personal information from you that is necessary for the purposes of our information processing activities and retains such information only if required to fulfill such purposes. Our information processing activities include conducting our business; delivering products and services to you, personalizing your experience on our website; marketing; customer communications and support; user verification; quality management services; Service maintenance and improvements; and complying with legal requirements.

Where applicable, if Health intends to further process your personal information for a purpose other than that for which the personal information was initially collected, Health shall, prior to such processing, provide you with any relevant information on such additional purpose, and, to the extent required by applicable law, obtain your consent for this.

Sale and Disclosure of Personal Information

Health may share, disclose, or sell your personal information for the following limited purposes:

Insurance Providers. By submitting an inquiry for a health insurance quote, product or other service provided through our website you agree that Health may share your Information with outside insurance providers.
Third Parties Providing Services on Our Behalf. We may share information with vendors, suppliers, and similar third parties and entities who otherwise perform services and functions on our behalf to support our interactions with you (collectively, “Service Providers”). Our Service Providers may help us facilitate or improve the Service, provide customer support, perform website-related services (e.g., without limitation, maintenance services, database management, web analytics, and improvement of the Service’s features), or assist Health in analyzing how the Service is used. These Service Providers have access to your personal information only to perform these tasks on Health’s behalf and do not have the right to use personal information we share with them beyond what is necessary to assist us. Additionally, these Service Providers must adhere to confidentiality, security, and legal obligations in a way that is consistent with this Policy and any applicable law.
Aggregate Information. We may also share non-identifying information, such as aggregate statistics or usage information, with third parties in order to demonstrate how Health is used, spot industry trends, or provide marketing materials for Health. Any aggregated information shared in this way will not contain any personally identifiable information, and Health is not limited in its use of aggregate information that does not permit direct association with any specific individual, such as the number of users of our services and the geographic distribution of our users.
Your Consent to Have Your Personal Information Shared. Health may share personal information with third parties when we have your consent to do so. If you agree to have your personal information shared with a third party, your personal information will be disclosed to the third party and will be subject to the privacy policy and business practices of that third party. To the extent that we obtain your consent to process your personal information, you may withdraw this consent at any time by contacting us.
Legal Disclosure. Health cooperates with government and law enforcement officials and private parties to enforce and comply with the law. Accordingly, we may disclose any information about you to government or law enforcement officials or private parties as Health, in its sole discretion, believes necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of Health, a user of the Service, or a third party, to protect the safety of the public or any person, to take emergency action, or to prevent or stop activity Health considers to be or to have the potential to be, illegal, unethical, or legally actionable. In addition, Health may disclose information about you to counter or prevent any malicious access or use of the Service or to prevent harm or loss to any user of the Service.
Transfer in the Event of Sale or Change of Control. Health may provide your personal information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Health’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information maintained by the Service is among the assets transferred. In such a case, unless prohibited by applicable law, your information would remain subject to the privacy policy applicable at the time of such transfer, unless you discontinue use of our Service.

Do Not Track Signals, Cookies, and Other Technologies

We may use “cookies” to help us customize information that we may present to you and to otherwise provide our Service. Specifically, Health uses cookies for the following purposes:

Technical Cookies. To provide you with an advanced, user-friendly website that adapts automatically to your needs and wishes, we use technical cookies to make sure our website functions correctly.
Functional Cookies. We also use functional cookies to remember your preferences and help you use our website efficiently and effectively.
Analytics Cookies. We use analytics cookies to gain insight into how our visitors use our website. Among other things, analytics cookies allow us to find out what works and what doesn’t, optimize and improve our website, understand the effectiveness of advertisements and communications, and ensure we continue to be interesting and relevant.
Commercial Cookies. We use third-party cookies as well as our own to display personalized advertisements on our websites and on other websites. This is called “retargeting,” and it’s based on browsing activities like the types of health insurance you’ve been searching for.

We may also use web beacons, pixel tags, mobile analytics software, log files, or other technologies to collect certain information about your online activity and interactions with our emails, online and mobile advertisements, and to allow us to keep track of analytics and certain statistical information that enables Health to improve our services and provide you with more relevant content and advertising offered by Health or through or linked from our services.

You may, however, disallow receiving cookies at any time through your web browser. Similarly, you may set your mobile device to refuse to provide certain information, but certain features of the Service may not work without such information. It is not our intention to use cookies to retrieve information that is unrelated to our Service or your interaction with our Service.

Removing Your Information

If you give Health your contact information over this website, and you wish to have your name and contact information removed from Health’s database, please send us an email to unsubscribe, and we will remove your name and contact information from where possible. We may need to retain this information to some extent in connection with our business dealings with you or other transactions with the Service.

Commercial Emails, SMS/MMS Mobile Messaging, and Telephone Calls

By providing your contact information to and voluntarily opting-in to receive communications from us, you agree to receive communications from us directly. You understand that you may stop receiving emails, calls, and text messages from us by following the instructions in those messages or by contacting us.

As with all information collected by Health, we reserve the right at all times, and to the extent permitted by law, to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide information in connection with the Program, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If, in Health’s sole discretion, we believe that any such information is untrue, inaccurate, or incomplete, or you have opted into the Program for an ulterior purpose, we may refuse you access to the Program and pursue any appropriate legal remedies.

California Civil Code Section 1798.83 permits users of the Program that are California residents to request certain information regarding our disclosure of the information you provide through the Program to third parties for their direct marketing purposes. To make such a request, please contact us at info@healthmarketsolution.com

Changes To Our Privacy Policy

We reserve the right to change or modify this Policy or our Service at any time, and any changes are effective upon being posted unless we advise otherwise. If we make any material changes to this Policy, we will notify you by email or post notice on this website before the change becomes effective. We encourage you to frequently review this website for the latest information on our privacy practices. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. You are bound by any changes to our Privacy Policy when you use the Service after such changes have been first posted. If you do not accept the terms of our Privacy Policy, we ask that you do not register with us and that you do not use our Service. Please exit the Health Service immediately if you do not agree to the terms of this Privacy Policy.

Updating and Accessing Your Information

The appropriate method(s) for accessing your Information, if any, will depend on which website or services you have used. Please contact us if you have a specific question or request concerning your information, including how to delete your information. Please note that we may be unable to delete all of your information if some or all of such information must be retained by us to demonstrate our compliance with applicable laws.

Security

If you choose to provide us with your personal information, you understand that we are transferring it to Health’s locations and systems in the United States or to the locations and systems of Health’s service providers around the world. Health uses reasonable security measures to protect the loss, misuse, and alteration of the information under its control. For example, we require employees to comply with information security safeguards, use encryption in the transmission of your Information between your system and ours, and use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persons from gaining access to your Information. Such measures may change from time to time, depending on industry standards and perceived security risks.

However, despite such security measures, Health cannot guarantee the security of your information and disclaims liability for loss, misuse, and alteration of your information under its control to the maximum extent permitted under applicable law. By using the Service, you agree to assume any security risk related to personal information. You should report any security violations to us by sending an email to info@healthmarketsolution.com.

The security of your Health account relies on your protection of your user profile information. You are responsible for maintaining the security of your user profile information, including your password and for all activities that occur under your account. You may not share your password with anyone. We will never ask you to send your password or other sensitive information to us in an email. Any email or other communication purporting to be from one of our websites requesting your password or asking you to provide sensitive account information via email, should be treated as unauthorized and suspicious and should be reported to us immediately by contacting us. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account and report it immediately by contacting us.

Consent to Processing and International Transfers

Health is a U.S.-based business and may process, transfer, and store information about users of the Service on servers located in a number of countries, including the United States. As a result, your personal information may be subject to data protection and other laws that may differ from your country of residence. Your personal information may be disclosed in response to inquiries or requests from government authorities or to respond to judicial process in the countries in which we operate. By using the Service, or by providing us with any information, you consent to the collection, processing, maintenance, and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as, or equivalent to, those in the country where you reside or are a citizen.

Special Notice to California Residents

If you or an authorized agent would like to submit a Consumer Request, you can contact us at info@assurdhealthins.com or use the following interactive form. If you choose to submit a Consumer Request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the Consumer Request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

“Personal information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. “Personal information” does not include publicly available information.

Request to Correct. You may correct or update your personal information at any time by submitting a Consumer Request.
Request to Access. You may submit a Consumer Request to obtain a copy of or access to the personal information that we have collected on you.
Request to Know. You may submit a Consumer Request to receive information about our data collection practices.
Right to Know what Personal Information is being Collected. You may request information on the categories of personal information we have collected about you; the categories of sources from which the personal information is collected; our business or commercial purpose for collecting, selling, or sharing personal information; the categories of third parties to whom we have disclosed personal information, if any; and the specific pieces of personal information it has collected about you.
Right to Know what Personal Information is Sold or Shared and to Whom. You may also request the categories of personal information that we have collected about you; the categories of personal information that we have sold or shared about you and the categories of third parties to whom the personal information was sold or shared, by category or categories of personal information for each category of third parties to whom the personal information was sold or shared, and the categories of personal information that we have disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose.

Please note that the categories of personal information, sources, and disclosure will not exceed what is contained in this Policy. Additionally, we are not required to retain any information about you if it is only used for a one-time transaction and would not be maintained in the ordinary course of business. We are also not required to reidentify personal information if it is not stored in that manner already, nor is it required to provide the personal information to you more than twice in a twelve-month period.

Request to Limit the Use of Your Sensitive Personal Information. We do not collect, use, or disclose sensitive personal information. However, if you believe that we may have collected sensitive personal information about you, you may request that we limit the use or disclosure of your sensitive personal information.
Request to Delete. You may request that we delete personal information we have collected from you. Subject to certain exceptions set out below we will, on receipt of a verifiable Consumer Request, delete your personal information from our records, direct any service providers to do the same, and notify all third parties to whom we have shared your personal information to delete it unless this proves impossible or involves disproportionate effort.

Please note that we may not delete your personal information if it is necessary to:

Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by the consumer, or reasonably anticipated by the consumer within the context of a business’ ongoing business relationship with the consumer, or otherwise perform a contract between the business and the consumer.
Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes.
Debug to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise that consumer’s right of free speech, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
Engage in public or peer-reviewed scientific, historical, or statistical research that conforms or adheres to all other applicable ethics and privacy laws, when the business’ deletion of the information is likely to render impossible or seriously impair the ability to complete such research, if the consumer has provided informed consent.
To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business and compatible with the context in which the consumer provided the information.
Comply with a legal obligation.

Right to Access Information About Automatic Decision-Making. We do not currently engage in automated individual decision-making. However, in the event we ever do so, we will inform you of such change and you may request information about and opt out of such automated decision-making.
Right to Data Portability. You may also request that we transfer your personal information, to the extent such transfer is technically feasible.
Right to Opt-out of Sale/Sharing of Personal Information. You may also opt-out of the sale or sharing of your information at any time. You do not need to be a registered user or have an account in order to opt out of the sale of your personal information. To opt-out, you may submit a Consumer Request by emailing us at info@healthmarketsolution.com, by filling out our interactive form, or by using an opt-out preference signal, such as the Global Privacy Control, on browsers, browser extensions, or devices that support such a signal. Such signals will be automatically linked to your browser or device identifier, and we will process them as a valid, automatic request to opt-out of the sale and sharing of your personal information. For more details about how to opt-out of the sale or sharing of your information, and to opt out of the sale and sharing of your personal information for all purposes, you can also click on the following link: “Do Not Sell or Share My Personal Information.”

We may not, and will not, treat you differently because of your Consumer Request activity. As a result of your Consumer Request activity, we may not and will not deny goods or services to you; charge different rates for goods or services; provide a different level quality of goods or services; or suggest any of the preceding will occur. However, we can and may charge you a different rate, or provide a different level of quality, if the difference is reasonably related to the value provided by your personal information.

Special Notice for Nevada Residents

Personal information or “covered information” means “any one or more of the following items of personally identifiable information about a consumer collected by an operator through an Internet website or online service and maintained by the operator or a data broker in an accessible form: (1) first and last name; (2) a home or other physical address which includes the name of a street and the name of a city or town; (3) an electronic mail address; (4) a mailing address; (5) a social security number; (6) an identifier that allows a specific person to be contacted either physically or online; [or] (7) any other information concerning a person collected from the person through the Internet website or online service of the operator and maintained by the operator or data broker in combination with an identifier in a form that makes the information personally identifiable.”

Request to Review and Update. You may review and update your personal information at any time by contacting us.
Request to Opt-Out. You may submit a request to opt out of the sale of your personal information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.