We generally collect Personal Information in two ways: 1) information you provide to us, and 2) information we collect automatically, as described further below.
We collect your name, email address, phone number, state and zip code when you request a quote through the Site or use the “Contact” feature on the Site for purposes of obtaining insurance coverage. We may collect some or all of the same information if you speak to or otherwise interact with (e.g., by email or text) with one of our customer service representatives. In order to match you with available insurance options, we may further collect your full address, birth date, social security number, Medicare/Medicaid coverage status, and names of your dependents. We do not collect payment card or bank account information; any payments for insurance are made directly to the insurance carrier. It is not necessary to disclose personal medical information to seek insurance coverage and we do not intend to collect or retain any such information that you may bring to our attention.
We may also obtain personal information about you from third parties, including, service providers and lead sellers. This information may include name, address/location (state and/or zip code), email address, phone number, gender, birth date, Medicare/Medicaid coverage status, IP address, and/or lead identification number.
Whenever you interact with the Site, we, as well as our service providers, may use assorted technologies, such as cookies and other technologies, that automatically or passively collect data about how the Site is being accessed and used. This data may include browser type, unique number assigned to identify the device, operating system, application version used to access the Site, click path taken through the Site, your use of features or applications within the Site, and other usage information (“Use Data”). This information helps us manage, improve and customize our Services, including the Site’s features and functionality, and may be used to identify you like personal information.
HOW WE USE PERSONAL INFORMATION.
We may use your Personal Information for one or more of the following purposes:
provide you with insurance coverage options and sell you insurance coverage;
provide you with Services and customer support; deliver service update notices and promotional offers, answer questions and respond to your requests, and otherwise to communicate with you;
determine your location and the location of insurers, and correlate your location with available coverage for the purpose of providing you with insurance coverage options and Services;
maintain the security and integrity of the Services, our technology, assets, data and business; engage in detection and prevention of fraud or other illegal activities and debugging;
enforce our websiteTerms, including to prevent potential breaches;
respond to law enforcement requests and as required by applicable law, court order, or governmental regulations, or comply with subpoena, court order, legal process or obligations;
test, personalize, develop and improve the Services;
advertise and market our products and services, and the products and services of our marketing partners, to you, including by presenting tailored content and advertisements through our Site, third-party sites, email or text message (with your consent, where required by law);
detect or prevent security incidents or other illegal activity; for debugging and fraud prevention;
use the information as reasonably necessary and proportionate to achieve our operational or notified purpose for collecting personal information and as compatible with the context in which it was collected; and
evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our users, online visitors, business contacts or employees is among the assets transferred.
HOW WE SHARE PERSONAL INFORMATION.
We share personal information with third parties, as follows:
Insurance, Medical Alert/Device, and Related Industries. We may disclose your personal information to third parties to assist with requests for information regarding insurance coverage, quotes for insurance coverage, medical alert devices, life insurance, auto insurance, walk-in tubs, and related products or services, including to insurance carriers, call centers andmarketing partners.
Other Parties. As further described in the “HOW WE USE PERSONAL INFORMATION” section above, we may share your information when we have reason to believe that disclosing the information is necessary to prevent fraud, damage to person or property, investigate, protect and secure our business, assets, user accounts or enforce legal rights or comply with subpoena, court order, legal process or obligations. We reserve the right to disclose any personal information as needed if that information is requested by law enforcement agencies or if we are required to do so by law or court order.
Successor Entities. We reserve the right to sell, disclose or transfer your Personal Information to a successor entity in the event of a corporate merger, consolidation, sale of assets or other corporate changes respecting Healthcarenetwork.io.
“DO NOT TRACK”; OTHER TRACKING. We do not honor “do not track” requests for the Site sent from a browser, but third parties (other than our service providers assisting with making the Services available) do not have authorization from us to track your use of the Services or track what other activities a user may have engaged in before or after using the Services (for example, using a different website).
SECURITY. We use reasonable administrative, technical, and physical security measures to protect personal information against loss, misuse, and unauthorized access, but no online or mobile communication is guaranteed to be 100% secure.
THIRD-PARTY LINKS. The Site and Services may make available links to the websites of our marketing partners, advertisers, social media sites, and other third parties. If you follow a link to any of these websites, please note that these third parties have their own privacy policies, and that Healthcarenetwork.io does not accept any responsibility or liability for such third party privacy policies or practices. Please check the individual policies before you submit any information to or through any linked third party website.
YOUR PREFERENCES. You can update your preferences regarding how we contact you. If you receive a text message from us to coordinate follow-up, you may always text STOP to opt out. If you receive emails with products or offers that may be of interest to you, you may opt out of marketing communications by unsubscribing within the email. Please note that you may continue to receive emails with information about requested insurance coverage, even if you opt-out of marketing emails. Feel free to contact us with any other requests or preferences, including to update or change your personal information. See “CONTACT US” below.
California residents exercising their rights described under the NOTICE TO CALIFORNIA RESIDENTS section below may access our web form here.
California and Nevada residents who wish to opt out of the sale of their personal information may use the DO NOT SELL MY INFO button below to submit the request, but please be aware that doing so may limit the insurance coverage options, and options related to other health-related products and services we may be able to present for your consideration.
A number of states are currently considering enacting laws similar to the California laws under “NOTICE TO CALIFORNIA RESIDENTS” below. If you are a resident of a state that enacts such a law, please use the contact information above to contact us with any questions, requests or comments.
CHILDREN. The Site and Services are not intended for use by children, and we do not knowingly collect personal information from children under 13 directly from such children. If we learn that we have collected the personal information of any such individual without having been provided the information from their parent or legal guardian as part of the process of obtaining insurance coverage for dependents, we will take steps to delete the information as soon as possible.
Collection and Use of Personal Information
See chart immediately below for categories of personal information collected
See “PERSONAL INFORMATION WE COLLECT AND HOW” for sources from which, or how, the personal information was collected (i.e., directly from you or from our service providers)
See “HOW WE USE PERSONAL INFORMATION” for our business or commercial purposes for collecting personal information
See “HOW WE SHARE PERSONAL INFORMATION” for third parties with whom we share personal information
In particular, as part of the Services, we have collected the following categories of personal information from California residents within the last twelve (12) months:
CategoryExamplesCollected1. Identifiers.A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.YES2. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).A name, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.YES3. Protected classification characteristics under California or federal law.Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).YES4. Commercial information.Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.YES5. Biometric information.Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.NO6. Internet or other similar network activity.Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.YES7. Geolocation data.Physical location or movements.YES8. Sensory data.Audio, electronic, visual, thermal, olfactory, or similar information.NO9. Professional or employment-related information.Current or past job history or performance evaluations.NO10. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.NO11. Inferences drawn from other personal information.Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.YES
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Your CCPA Rights and How to Exercise Them
If you are a California resident, you have certain rights, pursuant to the California Consumer Privacy Protection Act (“CCPA”). These CCPA rights may only apply in certain circumstances and are subject to certain exemptions. Please see the information below for a summary of your rights, how to exercise your rights and the information we require in order to respond to your requests. Please note that we may ask for certain information to verify the request in accordance with applicable law.
Right to Know. You have the right to request that we disclose what personal information we collect, use, disclose and/or sell about you. To exercise your right to know, please refer to the CONTACT US section above to submit your request. You will be required to provide certain information which we will use to verify your request.
Right to Delete. You have the right to delete personal information that we collect or maintain about you. To request deletion of your information, please refer to the CONTACT US section above to submit your request. You will be required to provide certain information which we will use to verify your request. Please note that certain exceptions apply to this right, such as when we must retain your information to comply with law. We will notify you of any such exceptions as applicable to your request.
Right to Opt-Out of Sale. You have the right to opt-out or ask us not to sell your personal information. To exercise this right, click the DO NOT SELL MY INFO button below to open the web form or use the link located on the home page of our Site or other options available under CONTACT US above.
You are welcome to change your mind and opt back in at any time. We may not request that you change your mind for at least 12 months after you opt-out.
Right to Non-Discrimination. You have the right not to receive discriminatory treatment by us for the exercise of any of your CCPA rights. However, we may offer certain financial incentives, charge reasonable fees related to your requests, or deny your right to know, right to request deletion, or right to opt-out of sale in accordance with applicable law.
Right to an Authorized Agent. You can exercise your CCPA rights yourself or you can designate an authorized agent to make a request on your behalf. Your authorized agent must be able to demonstrate authority to act on your behalf as further instructed when submitting a verifiable request.
Disclosure or Sale of Personal Information
Under the CCPA, a “sale” means providing to a third party personal information for valuable consideration. It does not necessarily mean money was exchanged for the transfer of personal information. In the last 12 months, we disclosed or sold personal information to third parties as follows:
Healthcarenetwork.io is required to tell California residents that in the past 12 months, we sold the categories of Personal Information shown in the chart above in this “NOTICE TO CALIFORNIA RESIDENTS” section when we shared it with our service providers because of how broadly “sell” is defined under the CCPA.
The same categories of Personal Information were also disclosed to our service providers for the business or commercial purposes described in “HOW WE USE PERSONAL INFORMATION” above.
Healthcarenetwork.io sold personal information (limited to name, address or location (zip code and/or county), email address, IP address, gender, data of birth, Medicare/Medicaid coverage status, and/or lead identification number) to our marketing partners to be able to offer insurance coverage options. If you would like to have your information removed from such lists, please click the DO NOT SELL MY INFO button indicated above.
We do not knowingly collect the personal information of minors under age 16 from such minors and do not sell such information. Insurance products are directed to the adult/legal guardian as the covered individual, who may name their dependents in the course of seeking coverage.
Third-Party Marketing Disclosure
Under California Civil Code Section 1798.83 (The “Shine the Light” law), California residents with whom we have a business relationship can request certain information regarding what types of personal information, if any, we shared with third parties for the direct marketing purposes of the third parties and the identities of the third parties with whom we shared such information in the immediately preceding 12 months. You may request this information by referring to the CONTACT US section above.
NOTICE TO NEVADA RESIDENTS. Please refer to the “NOTICE FOR CALIFORNIA RESIDENTS” section above for the categories of personal information we collect, including information about online activities, and with whom we share it. Please use the CONTACT US section above to opt out of the sale of your personal information if desired, or otherwise contact us regarding your personal information.
Welcome to thehealthcarenetwork.iowebsite (the “Site” or “Website”), owned and operated by Healthcarenetwork.io (“Healthcarenetwork.io”, “we”, “us”, and “our”). By using this Website, you agree to comply with and be bound by the following terms and conditions of use (“Agreement”). Please review this Agreement carefully as it is a binding agreement if you use the Website or request other services from Healthcarenetwork.io.
2. USING THE SERVICES.
a. No Medical Advice . We do not provide medical advice. All content on this Site, including text and images, is for informational purposes only. Content on this Site is not intended as, or a substitute for, professional medical advice.
b. Insurance Plans and Other Products/Services. Our Site strives to bring you the information you need to make an informed decision about insurance, and other health-care related services such as dental care, vision care, and hearing care. We may provide you with information about different products and services available, and potential providers, so that you are able to find the best plan, or other health-care related product or service that is right for you. The information on this Site is general, and may not be applicable to specific companies to which we may refer you. Ultimately, you are responsible for finding the insurance policy that best suits your needs. Similarly, if you already have insurance or related coverage, the information provided on our site may not be up-to-date or match information from your provider. You will need to contact your insurance provider directly for coverage-related questions concerning your in-force policy. We make no representation, express or implied, that you or any other user of the Site will be able to obtain an insurance quote from any particular insurance company mentioned on this site. Never cancel existing insurance policies until written confirmation is received from your new provider that your new policy is in effect.
c. Not a Broker . We are not an insurer or insurance broker or agent. All quotes are provided through licensed brokers, agents, discount plan representatives, or insurance carrier representatives who may or may not be able to obtain quotes from any particular insurance company mentioned on this site.
d. Third Parties . By providing information about the various companies mentioned on this website, we make no representation, express or implied, of any sponsorship by any such company, or of any other relationship with any such company. In addition, the links found on the website will let you leave our website and go to websites operated by parties other than us. The linked websites are often not under our control and we are not responsible for the contents of any linked website or any link contained in a linked website that are not owned and operated by us, or any changes or updates to such websites. Such links by the website to websites maintained by third parties do not constitute an endorsement, guaranty, or warranty by us, or any of our affiliates, of any third party or their content, nor the existence of a partnership, joint venture, agency, or other relationship between us, or any of our affiliates, and any linked third party or their content. We do not assume any responsibility or liability for the actions, product, content and/or information of these and other third parties and/or their websites. You should carefully review their privacy statements and other conditions of use.
e. Third Party Products. By offering a number of third party products and services, including advertisements, on our website, we make no warranties or representations of any kind as to the content or suitability of the subject matter of any website, product or service from any such third party business or individual. We expressly disclaim liability for direct, consequential, or incidental damages arising from the products, services, advertisements, actions, or website content of these and any other third parties, and you waive any claims against us for damages arising from such transactions or your reliance upon statements contained therein. You will not consider us nor will we be construed as a party to such transactions, whether or not we may have received some form of revenue or other remuneration in connection with the transaction. Third parties are responsible for all aspects of order processing, fulfillment, billing, and customer service. You agree that use of such merchants is at your sole risk and is without warranties of any kind by us, express, implied, or otherwise. Under no circumstances are we liable for any damages arising from the transactions between you and any third parties found on this Site, or for any information appearing on third party websites, or any other website linked from or to our website.
3. USING THE WEBSITE.
b. Intended Audience. The Website is intended for use by adults in the United States only. The Website is not intended for use by minors and particularly not for use by children under 13 years old.
c. Compliance with Laws. You agree to comply with all applicable laws regarding our use of the Website.
d. Disclaimers & Limitation on Liability. Use of and browsing in the Website is done at the user’s own risk. Neither Healthcarenetwork.io nor any other party involved in creating, producing or delivering the Website shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, or browsing the Website, or downloading of any materials, data, text, images, video or audio from the Website, including, without limitation, damage to, or viruses that may infect, your computer equipment or other property as a result thereof. Without limiting the foregoing, everything on the Website is provided to you “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
e. Errors . While Healthcarenetwork.io uses reasonable efforts to include accurate and up to date information on the Website, Healthcarenetwork.io makes no warranties or representations as to the accuracy, correctness, reliability or otherwise with respect to such information, and assumes no liability or responsibility for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content of the Website. Healthcarenetwork.io reserves the right to correct errors on the Website but is under no obligation to correct all errors brought to its attention.
4. APPLICABLE LAW; ARBITRATION CLAUSE; CLASS ACTION WAIVER.
a. Governing Law . Healthcarenetwork.io maintains and operates the Website and offers Services from its offices in the State of Florida, United States. This Agreement is governed by and interpreted under the laws of the State of Florida, United States of America. If any portion of this Agreement is deemed unlawful, void or unenforceable, then that part shall be deemed severable and will not affect the validity and enforceability of any remaining provisions.
5. LIMITATIONS ON LIABILITY .
EXCEPT TO THE EXTENT PROHIBITED BY LAW, Healthcarenetwork.io SHALL NOT BE RESPONSIBLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXTRAORDINARY, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES, IN CONNECTION WITH THE SERVICES.
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7. CHANGES .
Healthcarenetwork.io may make changes to its Services and the Website at any time without any notice, or suspend or discontinue its Services and Website at any time without notice. If this Agreement is changed, Healthcarenetwork.io will post a revised version on the Website. Your continued use of the Services, including the Website, following changes to this Agreement constitutes your acceptance of the current version of this Agreement.
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9. ELECTRONIC COMMUNICATIONS.
You consent to receive communications from us electronically, such as e-mails, or notices and messages on the Website, and you can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you use a mobile device to access the Website or Services, your carrier may impose data and other charges.