Privacy Policy

This Privacy Statement describes our privacy and security practices in connection with the information we collect through use of our services (“Services").

We are committed to assuring users of our services ("User(s)") that their information is secure and maintained in confidence, consistent with applicable state and federal laws.

The following sections describe our privacy and security practices:

Information Collected Online

To serve as your licensed insurance agent, we use your personal information to help you find and, if you so choose, apply for health insurance products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our Privacy Statement. Throughout this Privacy Statement, we refer to information that can identify you as a specific individual, such as your name, address, phone number, email address, as "personal information".

As you navigate through our Services, we may ask you to disclose certain information so that we can provide you with quality information and services. In order for you to make an informed decision about whether to disclose your information to us, we are providing you with the following information about how we collect and use your information.

Whether or not we need to collect information from you, how much information we collect, and whether such information is personal information will depend on how you use our Services. For many features, you do not need to provide us any personal information to review health care insurance quotes. For some of our features, you are required to provide contact information such as name, phone number, and email address in order for us to fulfill your request. We use this information to contact you about the services in which you have expressed interest or to facilitate the enrollment into a health plan of your choice.

By using our Services, setting up a user account, or completing a health insurance application facilitated by us, you consent to our processing of your personal information as set forth in this Privacy Statement.

How Do We Acquire Personal Information?

We acquire personal information when you request to be contacted by an insurance agent or to complete an enrollment application facilitated by us. We will only send your personal contact information to an insurance agent when you explicitly consent to be contacted by an insurance agent regarding a specific product or regarding your potential insurability.

We may use personal information for the following purposes:

• Responding to inquiries or requests from you;
• Delivering web-based products and services to you, such as our instant quote services; and;
• Facilitating health insurance enrollment through our electronic enrollment process

How Do We Acquire and Use Non-Personally Identifiable Information?

When you use our Services, we may collect certain Non-Personally-Identifiable Information such as demographic information. This data helps us identify the insurance product you are seeking and to provide you with an accurate insurance quote. Because Non-Personally Identifiable Information does not personally identify you, we may use and disclose such information for any purpose permitted by law, including:

• "Cookie" technology: A "cookie" is an element of data that we can send to your browser when you link to our Services. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. We store this information in order to track usage patterns.
• Cookies are totally harmless and do not hurt your computer, nor do they compromise your identity or provide us any other information other than what you, as the potential customer, willingly supply to us.
• IP Address: When you subscribe to an Internet Service Provider (ISP), your computing device is assigned an IP Address. We may track and store this address to help us manage security, monitor usage volume and patterns, and to customize experience and content.

How Do We Store Your Personal Information?

Information provided by Users to us is used only for the sole purpose of completing your request and retained to provide a record of such communications, and to comply with any applicable legal and/or regulatory requirements. All information submitted through the utilization of our Services is stored in our secured database. We do not use this information except to process your request for providing instant quotes, forwarding it to an insurance agent with your explicit consent, or facilitating health insurance enrollment through our electronic enrollment process.

How Do We Use Your Information Collected Online

Consistent with the requirements set forth under certain state and federal laws, we grant access to personal information only to qualified employees, licensed insurance agents as required to provide health insurance products and services, and to facilitate health insurance enrollment, as you choose.

All such employees or licensed insurance agents are either subject to this Privacy Statement or privacy policy specific to their entity. If you complete a health insurance application with us which is processed through our electronic enrollment process, we will disclose your personal information to the insurance company in order to complete your enrollment application. Certain sensitive information may be required by the insurance company in the health insurance application process.

When you request to be contacted by an insurance agent, you are explicitly granting a consent in allowing us to provide your contact information to a licensed insurance agent. In addition, we may use any information submitted by you through the utilization of our Services to provide improved customer service, to provide relevant health care insurance related information, to provide information regarding general health topics, to provide updates, news, event notices and announcements, to update information we have about you, and to monitor the effectiveness of our online services.

If you receive e-mail updates, news, announcements and/or special notices from us, we use the name, demographic, e-mail and other contact information you supply to provide those updates, news, announcements and notices. You may remove yourself from these mailings at any time by following the removal instructions included in all such messages. Your e-mail address and other contact information will be used only for such related mailings and will not be given, sold or rented to any other party for any other use without your prior approval.

How Do We Protect Your Information?

The security, integrity, and confidentiality of your information are extremely important to us. We use commercially available computer security technology selected and implemented to provide adherence to the security and privacy policies described in this policy. We have implemented technical, administrative and physical security measures that are designed to protect your information from unauthorized access, disclosure, use and modification. We regularly review our security practices to consider appropriate new technology and methods. We also periodically subject our Services to simulated intrusion tests and have developed comprehensive disaster recovery plans. However, please be aware that despite our best efforts, there is always some risk in sending information over the Internet.

Will We Contact You if You Are on the National Do Not Call Registry?

We do not contact individuals that are not interested in receiving information from us or have not provided us consent to be contacted. When you fill out our “Contact Me" request form or set up a user account, you are explicitly opting in and consenting to receive information and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact" list.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information as required by law such as pursuant to a subpoena, regulatory oversight, other legal process or when we believe that disclosure is necessary to protect our rights.

Changes to Online Privacy Policy

We reserve the right to change, modify or update this online privacy policy at any time without notice. We will post changes, modifications and updates to this location. Please review this online privacy policy on a periodic basis. This Privacy Statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

Terms and Service

Please read these Terms and Conditions of Use ("Terms of Use") carefully before using our services. Our services (“Services") are powered by Care Value, Inc. (hereinafter referred to as “Company"). Your use of our Services is governed by these Terms of Use, and is further subject to our Privacy Statement.

By using any part of our Services, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must exit this site. Note that these Terms of Use may be amended or modified from time to time and at any time, without advanced notice.

Legal Jurisdictions Only

The insurance services and products described within our Services are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing within our Services shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Legal Authority

If you use our Services, you warrant that you are at least 18 years of age and possess the legal authority to use our Services in accordance with all terms and conditions herein. The Company does not sell products or services to minors. If you are purchasing a product or service on behalf of a minor, you agree to supervise all usage by minors of our Services under your name or account. You also warrant that all information supplied by you or members of your household in using our Services is true and accurate.

Applicable Law

By using our Services, you agree that the laws of the State of New York, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company.

Permitted Use

Our Services are for the use of consumers who are researching and purchasing of individual health insurance products. The content, graphics, information, quotations, code and software used on or incorporated into our Services (collectively "Content") is made available for your personal use in connection with the generation and display of health insurance quotations only or facilitation of individual health insurance application through our electronic enrollment process.

You are not permitted to use our Services or the Content for any commercial or non-personal purpose (direct or indirect) unless agreed to in writing by the Company. The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing our Services.

Content

All Content included in our Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company protected by United States and international copyright laws. All content and the software used are the exclusive properties of the Company and protected by United States and international copyright laws.

Information You Provide

By using our Services, completing the user registration, or filling out a health insurance application through the utilization of our Services, you are solely responsible for any personal information that you provide to us. You hereby grant the Company and its agents the right to use and store the personal information in a manner consistent with the intended use of our Services.

The Company will use the personal information in a manner consistent with our Privacy Statement. In addition to use your personal information to process your request which may include request to be contacted by a licensed insurance agent or to process your enrollment application, we may disclose personal information if required to process your request or if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these terms and conditions; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect our rights, property, or personal safety, its users and the public.

Password Registration

If applicable, certain features or services offered of our Services may require you to create an account or for the Company to issue a user name, password to you. You are solely responsible for maintaining the confidentiality of your account information, including your user identification, password and any and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or password, or any other breach of security. The Company will not be liable for any loss that you may incur as a result of someone else using your password, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your password.

Access Restrictions / Termination

If applicable, the Company reserves the right, in its sole discretion, to modify your access or terminate your access to our Services and the materials or any portion thereof at any time, without notice.

Disclaimer / Liability Limitation

You agree that from time to time our Services may be inaccessible or inoperable for any reason, including, without limitation, equipment malfunctions, periodic maintenance procedures or repairs which we may undertake from time to time, or causes beyond the reasonable control of the Company or its agents or which are not reasonably foreseeable by the Company. In each case, you agree not to hold the Company responsible for any damages proximately caused by such delay or lack of access. In addition, The Company is not responsible for any loss of your personal information resulting from deletion or corruption or otherwise. While the Company uses reasonable efforts to include accurate and up-to-date information within our Services, the Company makes no warranties or representations as to accuracy of the Contents. The Company assumes no liability or responsibility for any errors or omissions in the Contents within our Services. Changes may be periodically made to the information at any time without notice.

OUR SERVICES AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" OR “AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, ORAL, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, ANY IMPLIED WARRANTY OF MERCHANTABILITY, ANY WARRANTIES ARISING BY VIRTUE OF CUSTOM OF TRADE OR COURSE OF DEALING. FURTHER, THE COMPANY DOES NOT REPRESENT OR WARRANT THAT OUR SERVICES OR THE INFORMATION PROVIDED TO YOU THROUGH UTILIZATION OF OUR SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE PROVIDED WITHOUT VIRUS OR OTHER HARMFUL COMPONENTS OR CONDITIONS, OR WILL BE ACCURATE AS OF ANY PARTICULAR DATE. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OUR SERVICES. THE COMPANY DOES NOT WARRANT THAT THE USE OF OUR SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES THE COMPANY MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF OUR SERVICES. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, OR DATA WHETHER BROUGHT IN CONTRACT OR TORT, ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, OR YOUR RELIANCE UPON OR USE OF ANY INFORMATION CONTAINED IN OR ACCESSED FROM OUR SERVICES. YOUR SOLE AND EXCLUSIVE REMEDY HEREUNDER IS FOR YOU TO DISCONTINUE YOUR USE OF OUR SERVICES.

Indemnification

You agree to indemnify and hold harmless the Company (and its directors, officers, employees, subsidiaries, agents and affiliates) from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees and costs, due to or arising in any way from the use or misuse by you of the materials, your violation of these terms and conditions, your violation of any law, or infringement by you of any right of any person or entity.