Privacy Policy for MedicareSupplementalInsurance.com

LAST UPDATED: October 31 2014

Our Privacy Policy is designed to assist you in understanding how we collect and use the personal information you provide to us and to assist you in making informed decisions when using our website (the “Site”) and our products and services (the “Services”).

WHAT INFORMATION DO WE COLLECT?

When you visit the Site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and website use information collected on an aggregate basis as you and others browse the Site.

• Personal Information You Choose to Provide. You can generally visit the Site without revealing any personally identifiable information about yourself. However, in certain sections of the Site and when you use our Services, we may enable you to request quotes or information, complete a registration form, or perform other similar activities. Due to the nature of some of these activities, we may collect personally identifiable information that you choose to submit such as your name, contact data (address, email address, phone number), financial information and other similar information. We may also collect additional personally identifiable information that you voluntarily include in your interactions with the Site or transmit with your communications to us.
• Web Site Use Information. By using the Site, we automatically collect non-personally identifiable information from your computer and about your activities on the Site via standard Internet technologies such as cookies and web server logs, described in more detail below in the “Cookies” section. This information may include the date and time of visits, the pages viewed, time spent at the Site, activities conducted on the Site and the websites visited just before and just after the Site. We also work with third-party vendors and partners in operating and improving the Site and managing our advertising, described in more detail below in the “Third Party Vendors” section.

COOKIES

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.

As you use the Site, the website uses its cookies to differentiate you from other users. Cookies, in conjunction with our web server’s log files, allow us to calculate the aggregate number of people visiting the Site and which parts of the Site are most popular. This helps us gather feedback in order to constantly improve the Site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.

If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies. To learn more about cookies (including how to disable cookies), please visit http://www.allaboutcookies.org/.

HOW DO WE USE THE INFORMATION THAT WE COLLECT?

We may use and/or disclose your information as follows:

• We use the information we collect to provide the Services, administer our business activities and provide customer service.
• We may also use the information we collect to notify you about important changes to the Site, new services and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers.
• If you make an inquiry or request information about products or services offered via the Site, we will share the personal information contained in your request form (such as your full name, address, telephone number, etc.) with third parties in our partner network to process and fulfill your request. By submitting your request, you understand that our business partners may contact you by telephone, automated calling, mobile device, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of our business partners contacts you and you wish not to be contacted again by that partner with respect to your inquiry, then you should specifically make a request to that partner not to contact you again. Please note that our partners may maintain the information you provided whether you elect to use their services.
• We also use third parties to facilitate our business, including, but not limited to, sending email. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities.
• As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.

THIRD PARTY VENDORS

We also work with vendors and partners in operating and improving the Site. These vendors and other partners include advertising and web analytics companies. These partners and vendors use cookies, web beacons and other technologies to collect information about your online activity (e.g., the sites and pages you have visited at the Site and at times other third party sites) in order to help manage ad campaigns, understand user interests and trends and deliver personalized content and advertising to you while you are on the Site or on other sites.

Our privacy policy does not cover any use of information that a third-party vendor may collect from you. These companies have their own policies regarding record keeping and data retention. If you would like more information, or would like to know your choices about not having this information used by advertising companies, please visit: http://www.networkadvertising.org/.

We use Google Analytics on the Site; information on how this collects and processes data can be found at: https://www.google.com/policies/privacy/partners/. In addition, we have enabled certain Google Analytics advertising features that utilize cookies. These features enable us to obtain certain demographic and interests data for visitors to the Site. You can opt out of these features by visiting https://www.google.com/settings/u/0/ads.

We may use Google AdWords remarketing to trigger advertisements across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the Site you have viewed by placing a cookie on your machine. THIS COOKIE DOES NOT IN ANYWAY IDENTIFY YOU OR GIVE ACCESS TO YOUR COMPUTER. The cookie is used to say “This person visited this page, so show them ads relating to that page.” Google AdWords remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. If you do not wish to participate in our Google AdWords remarketing, you can opt out by visiting https://www.google.com/settings/ads/onweb/.

In addition, we may utilize other online ad networks that place anonymous cookies on your computer, and use similar technologies, in order to understand your interests based on your (anonymous) online activities, and thus to tailor more relevant ads to you. If you do not wish to receive such tailored advertising, you can visit http://www.networkadvertising.org/choices/ to opt out of most companies that engage in such advertising.  This will not prevent you from seeing ads; the ads simply will not be delivered through these targeting methods.

Our Site may include social media features, such as Facebook or Twitter buttons. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. These features are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policy of the company providing it.

PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD PARTY VENDORS.

CERTAIN DISCLOSURES

We may disclose your personal information if required to do so by law or subpoena or if we believe that such action is necessary to (a) conform to the law or comply with legal process served on us or affiliated parties; (b) protect and defend our rights and property, our Site, the users of our Site, and/or our affiliated parties; (c) act under circumstances to protect the safety of users of our Site, us, or third parties.

THIRD PARTY SITES

Please remember that when you use a link to go from the Site to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link on the Site, is subject to that website’s own rules and policies. Please read those rules and policies before proceeding. The inclusion of a link on the Site does not imply endorsement of the linked site by us or by our affiliates.

SECURITY

The security of your personal information is very important to us. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however.  Therefore, we cannot guarantee its absolute security.

ACCESS & CONTROL

We give you choices regarding our use and disclosure of your personal information. If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt-out of receiving these marketing-related emails by emailing info@medicaresupplementalinsurance.com with the word “unsubscribe” in the subject line of the email. Please note that we will not be able to remove your personal information from the databases of third parties with which we have shared your personal information (i.e., to which we have already provided your personal information as of the date that we implement your opt-out request). If you wish to cease receiving marketing-related e-mails from these third parties, please contact them directly or utilize any opt-out mechanisms in their privacy policies or marketing-related e-mails.

RETENTION PERIOD

We will retain your personal information for as long as needed to provide the Services and for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or allowed by law or as necessary to resolve disputes and enforce our agreements. If you wish to request that we no longer use your information, please follow the instructions above.

USE OF SITE BY MINORS

The Site is not structured to attract children. Accordingly, we do not intend to collect personal information from anyone we know to be under 13 years of age.

CONTACTING US

If you have any questions or concerns about this Privacy Policy, you may contact us via email or you can call us at the following number: 888-784-5690

UPDATES TO THIS PRIVACY POLICY

By using the Site you consent to our collection and use of your personal information as described in this Privacy Policy. We may update or modify this Privacy Policy from time to time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will post such changes to the Site. If you do not agree with the changes to how your information will be used, please do not continue to use this website.

 

 

TERMS OF USE

1. Acceptance of Terms of Use and Amendments.

Each time you use or cause access to this web site, you agree to be bound by these Terms of Use, and as amended from time to time with or without notice to you. In addition, if you are using a particular service on or through this web site, you will be subject to any rules or guidelines applicable to those services and they shall be incorporated by reference into these Terms of Use. Please see our Privacy Policy, which is incorporated into these Terms of Use by reference.

2. Our Service.

Our web site and services provided to you on and through our web site on an “AS IS” basis. You agree that the owners of this web site exclusively reserve the right and may, at any time and without notice and any liability to you, modify or discontinue this web site and its services or delete the data you provide, whether temporarily or permanently. We shall have no responsibility or liability for the timeliness, deletion, failure to store, inaccuracy, or improper delivery of any data or information.

3. Privacy Policy.

Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.

4. Third Party Services.
Goods and services of third parties may be advertised and/or made available on or through this web site. Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties. We shall not be liable for or responsible in any manner for any of your dealings or interaction with third parties.

5. Indemnification.

You agree to indemnify and hold us harmless, our subsidiaries, affiliates, related parties, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from any claim or demand, including reasonable attorney’s fees, that may be made by any third party, that is due to or arising out of your conduct or connection with this web site or service, your provision of Content, your violation of this Terms of Use or any other violation of the rights of another person or party.

6. DISCLAIMER OF WARRANTIES.

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE AND ANY SERVICES OR CONTENT PROVIDED (THE “SERVICE”) IS MADE AVAILABLE AND PROVIDED TO YOU AT YOUR OWN RISK. IT IS PROVIDED TO YOU “AS IS” AND WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, IMPLIED OR EXPRESS, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY, IMPLIED OR EXPRESS, THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, TIMELY, SECURE, ACCURATE, RELIABLE, OF ANY QUALITY, NOR THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD. YOU UNDERSTAND AND AGREE THAT NEITHER US NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL ADVICE OF ANY KIND AND THAT USE OF SUCH ADVICE OR ANY OTHER INFORMATION IS SOLELY AT YOUR OWN RISK AND WITHOUT OUR LIABILITY OF ANY KIND.

Some jurisdictions may not allow disclaimers of implied warranties and the above disclaimer may not apply to you only as it relates to implied warranties.

7. Reservation of Rights.

We reserve all of our rights, including but not limited to any and all copyrights, trademarks, patents, trade secrets, and any other proprietary right that we may have in our web site, its content, and the goods and services that may be provided. The use of our rights and property requires our prior written consent. We are not providing you with any implied or express licenses or rights by making services available to you and you will have no rights to make any commercial uses of our web site or service without our prior written consent.

8. YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INDICENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSS (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR ARISING OUT OF (I) THE USE OF OR THE INABILITY TO USE THE SERVICE, (II) THE COST TO OBTAIN SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH THE SERVICE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE SERVICE. In some jurisdictions, it is not permitted to limit liability and therefore such limitations may not apply to you.