Privacy Policy

Introduction

HealthCoveragePros ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, complete our health insurance quiz, or otherwise interact with our services.

This policy complies with the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and other applicable privacy laws. This privacy policy applies to all 50 states and territories of the United States.

1. Information We Collect

We collect personal information that you voluntarily provide to us when you:

• Complete our health insurance comparison quiz
• Request quotes or information about insurance plans
• Contact us via phone, email, or online forms
• Subscribe to our newsletters or communications

Types of Information Collected:

• Personal Identifiers: Name, email address, phone number, physical address (including ZIP code)
• Demographic Information: Age, gender, household size, income bracket
• Insurance Information: Current coverage status, plan preferences
• Technical Data: IP address, browser type, operating system, access times
• Usage Data: Pages visited, time spent on site, interactions with content

2. How We Use Your Information

We use the information we collect to:

• Provide you with personalized health insurance quotes and recommendations
• Connect you with licensed insurance agents and carrier partners
• Process your requests and respond to your inquiries
• Improve our website, services, and user experience
• Send you relevant information about insurance products and services
• Comply with legal obligations and enforce our terms
• Prevent fraud, unauthorized access, and other illegal activities

We may use your information for automated decision-making to match you with appropriate insurance carriers based on your eligibility and preferences.

3. Sharing Your Information

We may share your personal information with the following categories of third parties:

• Insurance Carriers: To provide you with quotes and policy options from our partner insurance companies
• Licensed Agents: To connect you with qualified insurance agents who can assist you
• Service Providers: Companies that help us operate our website, process data, or deliver services
• Analytics Providers: To analyze website usage and improve our services
• Legal Authorities: When required by law, regulation, or legal process

We do NOT sell your personal information. Under CCPA/CPRA, California residents have the right to opt out of the sale of their personal information. Since we do not sell data, there is nothing to opt out of.

4. Your Privacy Rights

Depending on your state of residence, you may have the following rights:

• Right to Know: Request information about what personal information we collect and how it is used
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale of your personal information (if applicable)
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights
• Right to Limit Use: Request limiting the use of sensitive personal information

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.

5. Data Security

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

• Encryption of data in transit and at rest
• Secure socket layer (SSL) technology for all data transmission
• Regular security assessments and monitoring
• Access controls limiting employee access to personal information
• Secure data storage with industry-standard protections

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to maintaining industry-standard protections.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Personalize content and advertisements
• Support marketing analytics and attribution

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we securely delete or anonymize it.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information promptly.

9. Third-Party Links

Our website may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices or content of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post any changes on this page and update the "Last updated" date at the top. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: