Privacy Policy

Effective Date: 9/29/2023

Thank you for your interest in HealthcareReview.net (“we,” “us,” or “our”). This Privacy Policy (“Policy”) applies to the following websites owned and operated by HealthcareReview.net, and other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us.

You can learn about our commitment to privacy with this Policy describing how we collect, use, share, and secure the personal information you provide. It also describes your choices regarding use, access, and correction of your personal information. If you are a California resident, please see our California Privacy Policy which provides additional details about how we handle your personal information and how you can exercise your rights under the California Consumer Privacy Act.

At HealthcareReview.net, we are strongly committed to protecting your privacy. To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We only use and disclose your personal information in accordance with our Policy. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number, or credit card number, as “personal information.”

Further, personal information includes any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party’s privacy policy.

If you have questions or concerns regarding our privacy policy or practices, please contact us at support chat.

When and Why We Share Personal Information

Insurance Companies, Licensed Agents, and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities:
If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency, or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency, or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application, or enrollment form and are legally obligated to maintain strict confidentiality.

Service Providers:

We may disclose your personal information to other companies that help us process or service any application you begin, process, or submit through us, or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality. Data obtained through the SMS short code program will not be shared with any third parties for their marketing reasons/purposes.

Employers, Affinity Groups, and Benefits Administrators or Consultants:

If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group, or organization), we may disclose your personal information to such employer, group, organization, administrator, and/or consultant. For example, we may inform such employer, group, organization, administrator, and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations:

In certain situations, HealthcareReview.net may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We may also disclose your personal information as required by law, such as to comply with a subpoena or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

Business Transition:

If HealthcareReview.net is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your Consent:

If you provide us an indication of your consent to disclose, share, or use your personal information in connection with a third party, we may disclose, share, or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where HealthcareReview.net has a corporate account for the purpose of adding you to HealthcareReview.net’s social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

Your Requests for Products:

If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product, or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company, or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. By requesting to be contacted, you expressly consent to receive e-mails, phone calls, or text messages from a licensed agent or other representative at the email address and telephone number (including wireless) provided. Message and data rates will apply. While we aim to make it as easy as possible for you to talk directly with an expert, we will honor your request not to be contacted further. You can easily opt-out of further communications from us by requesting to be placed on our Do Not Call list, by replying “STOP” to our text messages, or by unsubscribing from our email list. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy. Outside of these exceptions, we will not sell, trade, or share your personal information with third parties.

Types of Information We Collect:

We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us:

We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password.

Applying for Health Insurance and Other Products:

If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you to provide us with your credit card, bank information, and social security number, which will be used by your chosen insurance company or HSA Trustee or Administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing, and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.

Providing You with a Quote or Processing Your Application:

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.

Third Party Data:

We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand, and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you may include: (a) address information from third-party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you to create more tailored advertising and products.

Customer Satisfaction, Referrals, and Other Products:

We or our wholly-owned subsidiaries may contact you to survey your satisfaction with our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

Collection and Use of 3rd Party Personal Information:

You may also provide personal information about other people, such as their name, date of birth, and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third party may contact us at support chat to request that we remove this information from our database.

Aggregate and Non-Directly Identifying Information:

We gather non-directly identifying information about you for our internal purposes, and we may share this non-directly identifying information with third parties.

As is true of most websites, we may gather certain information automatically or systematically and store it in log files. This information may include aggregate demographic information, such as the number of visitors to our website from a particular state or browser information, such as browser type, device type, geographic region, IP address, and other non-directly identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs. The strict restrictions we have in place for personal information do not necessarily apply to non-directly identifying information. Because non-directly identifying information is designed to not directly identify individuals, if we change the way we use such information after we have collected it, we may be unable to contact you to notify you of such change.

We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties. We may use cookies, clear gifs, Internet Protocol or IP addresses, tracking pixels, page tags, and other similar monitoring technologies to gather non-directly identifying information. For a more detailed discussion on cookies and clear gifs, please see below. Because such technologies develop quickly, we are not limited to using only the technologies described in this policy for collecting or handling this type of information.

Security and Storage of Personal Information:

We protect the confidentiality and security of your personal information.

We maintain generally accepted standards for physical, electronic, and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreement.

Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits), you may have to contact the insurance company or such other party directly to update your application.

Upon request, HealthcareReview.net will provide you with information about whether we hold any of your personal information. If your personal information changes or if you otherwise want to correct, update, or delete your personal information held by us, you may contact us by support chat. Additionally, you may update your name, email address, and password by clicking on the “Sign in” or “My Account” link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable time frame. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreement. Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits), you may have to contact the insurance company or such other party directly to update your application.

Opting Out:

You may opt out of receiving satisfaction surveys and/or information on additional products and services from us. We may contact you to survey your satisfaction with our service and/or to inform you of additional products and services. If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page, or you can contact us by support chat. If you want to opt out of these surveys and/or notices, you may contact us by support chat. Please note that you will still receive communications from us regarding your insurance quote, application, policy, or advanced premium tax credit even if you opt out of receiving our surveys and/or notices of additional products and services. We are available to answer any questions you may have about our privacy policy or our information privacy practices. If you have any questions, please contact us by support chat. We will respond to your questions within 30 days.

Websites Where This Policy Applies:

The information privacy practices described in this privacy policy apply only to information provided to us through this website and those websites listed above. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy. Additionally, all of the non-directly identifying information collected from this website shall be governed by this privacy policy. If you are returning to complete an application that you initiated on another website that is owned or operated by HealthcareReview.net (e.g., a partner co-branded website), this privacy policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us. If you want your personal information to be subject to the information privacy practices described in this website’s privacy policy, you may initiate a new application on this website.

Tracking Technologies:

Cookies or similar technologies are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users’ movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use cookies on our site for various purposes such as user authentication, user preferences, our shopping experience, and customizing user experiences. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Behavioral Targeting / Retargeting / Do-Not-Track:

We partner with one or more third-party ad networks to manage and display advertising to visitors on our website and to manage and display advertising viewed by visitors on other sites. Our ad network partner(s) may use cookies or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns. Such activity is often called behavioral targeting or retargeting, and this may change the ads or other features you see on our website or other websites that you visit. Opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce retargeting, such as switching to private or incognito browsing mode or a mode that does not accept cookies. Currently, our site does not change its behavior based on receiving your browser’s “do-not-track” setting or signal. Please note that opting out of retargeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.

Browsers and Internet Security:

Whenever you enter personal information and sensitive data (such as a credit card number and social security number) on our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL ensures the protection of information while it travels over the internet. To benefit from this technology, it is recommended to use an SSL-capable browser. HealthcareReview.net suggests using encryption of at least 128-bit, which is available in recent versions of browsers like Microsoft’s Internet Explorer or Google’s Chrome. These browsers automatically activate SSL when you start shopping for a plan on our website and when you return to complete an application.

Most browsers display a locked padlock or key icon to indicate that your connection is secure. This icon signifies that you are in a secure area within the website. If you need a browser with strong encryption, you can visit the Microsoft or Google website to download the latest versions of Internet Explorer or Chrome. We advise against using beta versions of browsers.

However, it’s important to note that no method of transmission over the internet or electronic storage is entirely secure. Therefore, we cannot guarantee absolute security. If you have any questions about the security of our website, you can contact us by support chat.

Your Password and Other Security Matters:

The password you create when starting an application on our website serves as your private access key to your application. It should never be shared with anyone.

If you forget your password, we can send it to you via email (provided you provided your email address as your user ID) or assist you in retrieving it by calling our toll-free number at [Phone Number] or using the chat function on our website.

Security Risks of Using Non-Approved Automated Software Applications:

To safeguard the security of your data, access to this website is limited to SSL-capable browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstances should you use any software, program, application, or device to access or log in to the HealthcareReview.net website or to automate the process of obtaining, downloading, transferring, or transmitting any content to or from our computer systems. We do not condone such activity and specifically prohibit it. Please be aware that such unauthorized use could subject you to criminal or civil penalties.

Privacy Policy Changes:

If we make any changes to our privacy policy information practices that do not affect the personal information already in our database, we will notify users of the change in the privacy policy portion of our website. We will also post the changes to this privacy policy here, so that users can be aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Changes to This Policy:

Please note that this Privacy Policy may change from time to time. We will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date.

Questions:

If you have any questions or concerns about this Policy or our privacy practices, please contact us via support chat.

Please include your name, address, and/or email address when you contact us. Your inquiry will be acknowledged within 30 days. If you feel that your inquiry has not been satisfactorily addressed, please let us know.