Introduction

HealthPlanLocator ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Information We Collect

Personal Information

When you request a quote or contact us, we may collect:

• Name (first and last)
• Email address
• Phone number
• ZIP code and state
• Date of birth
• Gender
• Marital status
• Annual income range
• Insurance type preference (Medicare or ACA)

Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address
• Browser type and version
• Device information
• Pages visited and time spent on pages
• Referring website addresses
• Operating system

Tracking Technologies

We use cookies, web beacons, and similar tracking technologies including:

• Jornaya LeadID: Tracks your interaction with our forms to verify lead authenticity
• TrustedForm: Creates a certificate of your consent and form completion
• Analytics cookies: Help us understand how visitors use our website

How We Use Your Information

We use the information we collect to:

• Connect you with licensed insurance agents and carriers
• Provide you with health insurance quotes and information
• Respond to your inquiries and provide customer support
• Send you marketing communications (with your consent)
• Improve our website and services
• Comply with legal obligations
• Prevent fraud and ensure security
• Analyze website usage and trends

How We Share Your Information

With Insurance Partners

When you submit a quote request, we share your information with:

• Licensed insurance agents and brokers
• Insurance carriers and providers
• Marketing partners who may contact you about insurance products

With Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Lead verification services (Jornaya, TrustedForm)
• Email and SMS communication platforms
• Analytics providers
• Hosting and technology infrastructure providers
• Customer relationship management (CRM) systems

Legal Requirements

We may disclose your information if required by law or in response to:

• Court orders or legal processes
• Government or regulatory requests
• Protection of our rights, property, or safety
• Investigation of fraud or security issues

Your Privacy Rights

Access and Correction

You have the right to access and correct your personal information. Contact us to request access to or correction of your data.

Opt-Out Rights

You may opt out of:

• Marketing communications: Click "unsubscribe" in any marketing email or contact us
• Phone calls: Request to be added to our Do Not Call list
• SMS messages: Reply "STOP" to any text message

California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

Do Not Sell My Personal Information

We do not "sell" your personal information in the traditional sense. However, sharing your information with insurance partners may be considered a "sale" under CCPA. You can opt-out by contacting us.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure server infrastructure
• Access controls and authentication
• Regular security assessments
• Employee training on data protection

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Typically, we retain lead information for up to 7 years for compliance and business purposes.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

HIPAA Notice

HealthPlanLocator is not a covered entity under the Health Insurance Portability and Accountability Act (HIPAA). However, we take the protection of your health-related information seriously and implement appropriate safeguards.

Consent to Contact

By submitting your information through our website, you expressly consent to receive communications from us and our partners via phone (including autodialed and pre-recorded calls), email, and SMS, even if your number is on a Do Not Call list. You understand that consent is not required to purchase goods or services.