Privacy Policy

Thanks for showing interest in InsureMeNow. This privacy policy applies to our website owned and operated by us where we post this document as the applicable Privacy Policy, along with insurance agent and representative services and communication channels and other services provided by us. You can know about out commitment to privacy with this Policy describing how we gather, use, share and secure the personal information provided by you and also describes your choices regarding use, access and correction of your personal information.

At InsureMeNow, we are committed to protect your privacy and to serve you as your licensed health insurance agent. We will ask you to provide us with your personal information to help you find, choose, and apply for health insurance and other products that may be of interest to you and your family. All your personal information will be used and disclosed exactly in accordance with our policy. Besides, we use cutting-edge leading technologies to ensure the security and confidentiality of your personal information provided to us. Throughout this Policy, we refer information that identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information”. In addition to this, personal information also includes any information about your health or medical history that you may provide us in your insurance application or any other financial or sensitive personal information provided in the application form to obtain either subsidy or advanced premium tax credit determination from the government. If you directly provide your information to any other third party or to one of our partners, then your information would be governed by such other party’s privacy policy.

In case of any question or queries regarding our Privacy Policy, you can reach us at privacy@InsureMeNow.us. If you have any concern regarding an unresolved privacy or data use concern that has not been satisfactorily addressed by us then please contact us.

1) We ensure that your personal information will not be disclosed to third parties unless any of the following limited exceptions applies.

Insurance Companies, Licensed Agents and Business Partners, and Government-run Exchange, HSA Trustees, Administrators and Entities

If you submit an insurance application to us then your personal information will be disclosed to your chosen insurance company to process your application. Upon your request for information or an application for an health insurance product offered by an insurance agent, agency or other business partner associated with us, then we may disclose your personal information to that agent, agency or business partner so that they can process your request for application or to provide you with information about insurance products through telephone or email to discuss about health insurance products in which you are interested.

If you are applying for a health savings account offered through an authorized HSA trustee or administrator associated with us, then we may disclose your personal information to that trustee or administrator so that they can enroll you in an HSA. If your application is carried out by us and processed through a government-run exchange or other government-run entity, then your personal information will be disclosed to that government-run exchange or entity. We ensure you that all these entities will only use your personal information to process your requested quote, application and they are legally bounded to maintain your confidentiality.

Service Providers

Your personal information may be disclosed by us to other companies if they help us process any application you begin, process or submit through us. However, you need to be ensured that the companies associated with us to process your insurance application or to correspond with you are not allowed to access your personal information for their own purposes and are contractually obliged to maintain the confidentiality.

Employers, Affinity Groups, and Benefits Administrators or Consultants

If your current or former employer, affinity group, or other organization with which you may be associated have referred you to us then we may disclose your personal information to such employer, organization, administrator and consultant, irrespective whether you have enrolled in a plan or not. You should be assured that these parties are allowed to use your information as permitted by applicable law.

Legal Obligations

There might be certain situations when InsureMeNow need to disclose personal data, especially in case of lawful requests made by public authorities, or to meet national security or law enforcement requirements. Your personal information may be disclosed if required by law, to comply with a judicial writ, or legal process. Your personal information will only be disclosed by us, when we will be ensured that it is required in good faith. If the disclosure is required or permitted under law like we need to cooperate with the regulators or law enforcement authorities, or to resolve consumer disputes, to protect your safety or other safety, to investigate fraud or to respond to a government request.

Business Transition

If during any time we are involved in a sale, merger or acquisition of all or a portion of our assets, you will be notified through email or an important notice on our website about the change in ownership or uses of your personal information. Incurred

Your Consent

It is only after your approval that we share, disclose, or use your personal information in connection with a third-party. Like if you opt for our promotional updates and social media mailing lists, then we may disclose your personal information to social media where we have a corporate account to add you to our social media mailing and promotional update lists. In such scenarios, social media platforms are prohibited to use your personal information for their own purpose unless you have your own account on these platforms.

Your Requests for Products

It is only upon your request to be contacted by a licensed agent or request assistance with enrolling in any type of insurance product, then only our agents or representatives may consult you. We may need to disclose your information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity to contact you about the product in which you showed your interest so that they can assist you in enrolling in any such product. If you provide any additional information to any third-party entity then it will be governed by that entity’s privacy policy.

Beside these exceptions, we will not share or sell your personal information with third-parties.

2) Your personal information is collected by us for the normal course of business, to process your health insurance application and to serve you better.

Registering With Us

Your personal information is being collected by us right form the time when you register with us though our website by providing your email address and if creating account then by choosing your password. You may also register with us through our Customer Care by giving your personal and contact information.

Applying for Health Insurance and Other Products

While applying for health insurance or other product through our website, you may need to provide personal and health information of yours as well as your family member who you want to include in your application. The information provided by you will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity for processing your application. You may also need to provide your credit card, bank information and social security number that will either be used by your chosen insurance company or HSA Trustee or Administrator to process your application and to collect fees associated with your application or insurance premiums upon approval of your application. If you are interested in applying for government health insurance subsidies or for health insurance sold through a government-run exchange then you will be required to provide personal and financial information like tax filing and household information that will be passed on to government-run entities for processing subsidies and applications.

Providing you with a quote or processing your application

Your personal information will be used by us to get it touch with you to provide you with a quote or to process your application. You will be regularly updated with your application status through the emails. Your phone numbers may be used to send you phone calls or text messages about your account or application.

Third Party Data

We may collect information about you through other sources like public database or third-parties from whom we have obtained data. We add this data with the prior information we have about you that helps us to update, expand, and analyze our records, identify new customers, and serve you with products and services that might interest you. Such information may include address information form third party that may be used to verify your address in order to prevent fraud and communicate properly, your customer’s data from third party that is combined with the information we already have to develop more personalized products.

Customer satisfaction, referrals and other products

We may contact you to know about our service, or to refer our products and services to other people, or to inform you about our additional products and services.

Collection and Use of 3rd party Personal Information:

Sometimes you may provide us personal information of other people like their name, date of birth and gender. Such information is only used to entertain your request or for whatever reason it may have been provided. The third party may contact us or request us to remove this information from our database.

1. We collect and may share non-directly information about you with third-parties.

Like most of the websites we may also automatically or systematically collect certain information about you to store in log files. Such information may include demographic information like number of visitors to our website from a particular state or browser information, device type, geographic region, IP address, along with other non-directly identifying information. We may use the collected data to optimize our services, analytics, service offerings, marketing, site functionality, or for other business needs.

Since, non-directly information do not directly identify individuals so the strict restrictions we have for personal information is not applicable for the non-directly information. If the way we use the information is changed we may not be able to contact you to notify about such change.

Non-directly information is mainly use for marketing purposes and to improve our website and the services offered by us. We may disclose this information to third-parties.

We use monitoring technologies like cookies, IP address, page tags, tracking pixels to collect non-directly information. Since these technologies quickly develop we are not limited to use the technologies described in this policy for collecting or handling such information.

2) Confidentiality and Security of your Personal Information is Protected by Us

To protect your personal information we have maintained accepted standards for electronic, physical and procedural safeguards.

3) Our effort is consistently evaluated to protect your personal information and make effort to keep your personal information up-to-date and accurate.

You can request us to know whether we have any of your personal information and if your personal information changes or if you want to update or delete your information held by us you can intimate us through mail.

Your information will be retained by us till your account is active or it is required by us to provide you services. Your information will be sued to comply with our legal obligations, resolve disputes and enforce our agreements.

For any update in your application you have to contact the insurance company or such entity for the update if your application has been submitted to your chosen health insurance company.

4) You will be Notified of any changes in our personal information Privacy Practices

If your information is going to be used in a different manner from that stated at the time of collection, you will be notified through mail or by means of a notice on our website prior to the change becoming effective. You will be given a choice as you whether want to use your personal information in this manner or not.

If any material changes in made in our personal information privacy practices that do not affect the personal information already stored in our database, then users will be notified about the change in the privacy section of our website.

5) You may opt out of receiving surveys or information on our additional products and services.

We may contact you to inform you about our additional products and services or ask you to participate in our survey regarding our service quality.

If you subscribe to our newsletter, then you will receive our newsletter through mail. To unsubscribe from this you can access the email preferences in your account setting page or can contact us and out of respect we will stop sending you newsletters.

If you do not wish to participate in our surveys or notices you may inform through mail or contact our customer service.

Even if you opt out of our surveys or notices of additional products and services, you will still receive information regarding your insurance quote, application, policy and advanced premium tax credit.

In case if you have any question about our privacy policy or on our information privacy practices you can mail us and we will respond to you immediately.

6) This privacy policy applies only to our website.

The privacy practices described here apply only to information provided through this website. Thus all your personal information submitted here after initiating an application on this website will be governed by this privacy policy. Besides, even the non-directly information collected from our website will also be governed by this privacy policy.

Additional Information about Privacy and Security at InsureMeNow

Tracking Technologies

We along with our business use cookies and other similar technologies for analyzing trends, administering site, tracking users’ movements on this site, customizing content on this site, and gathering information about our user base. Based on the use of these technologies we receive reports on an individual as well as aggregated basis.

Cookies are used on our website for different purposes like user authentication, user preferences, shopping experiences and for customizing user experiences. Though, users have the choice of controlling the cookies use at the individual browser level. Even by rejecting cookies you can still use our website but you might not be able to use some features or areas of our site.

Behavioral Targeting / Re-Targeting / Do-Not-Track

To manage and display advertising to visitors on our website, we partner with one or more third party ad networks. Ad network partners associated with us may use cookies or similar technologies to collect information on your activities on this website to show you targeted advertising as per your browsing patterns and interests. This activity is called behavioral targeting or re-targeting and might change the ads you see on our website. If it is against your wish then you may opt-out of specific re-targeting programs. Even your browser may have settings to reduce re-targeting or you may switch to incognito or (In)private mode that does not accept cookies. By opting out of re-targeting, you do not opt out of being served advertising and you will continue to receive generic ads in place of tailored ads.

Browsers and Internet Security

We ensure you that our website is encrypted using Secure Socket Layer (“SSL”) technology so that you can provide your personal and sensitive information without any apprehension. The information is protected by SSL as it crosses the Internet and you only need an SSL capable browser to support this technology. We recommend you to use latest version of Microsoft’s Internet Explorer or Google’s Chrome browser that come with 128-bit encryption, as these browsers automatically activate SSL when you start shopping for a plan on our website or return on the site to complete your application.

The icon of either a locked padlock or a key in most of the browsers indicate that your session connection is taking place through a secure server and you are visiting a secure area within a website.

Download the latest Internet Explorer or Chrome browser from the Microsoft or Google website if you require a strong encryption browser, as the use of beta browser versions should be avoided.

Over the Internet, no transmission method or electronic storage method is 100% secure and therefore we cannot guarantee its absolute security. In case of any query regarding security on our website you can freely contact us.

Your Password and Other Security Issues

While initiating an application process on our website, the password you enter is your private entry key, which you should never share with anyone.

The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone.

Recover your forgotten password through email if you have given your email ID while creating your account on our website. You can also retrieve your password by calling our number or through the chat.

Security Risk of Using Non-Approved Automated Software Applications

To ensure the safety of your data you are allowed to access this website only through SSL capable browsers like latest version of Microsoft’s Internet Explorer or Google’s Chrome. You should not use any software, program, application or any other device under any circumstances to access or log-in to our website or download or transfer any content to or from our computer systems, or website.

Links to Other Websites

On our website you may find links of some other websites and while clicking to any of these links you are visiting another website. Thus, we are not responsible for the privacy practices or the content of such websites and we suggest you to go through the privacy policies of these websites, as their policies may differ from ours.

Blog

There are publicly accessible blogs or community forums on our website and you should know that information you provide in these areas may be read, collected and used by others who access them. You can contact us to request removal of your personal information from our blog or community forum. Though, in some cases we may not be able to remove your personal information and if it is that case then we will let you know and also why we are unable to do so.

Testimonials

Personal testimonials of our satisfied customers are published on our website along with other endorsements. Your testimonial along with your name are posted on our website with your consent and if you wish to update or delete your testimonial then you can contact us to do so.

Social Media Features and Widgets

Social media features like Facebook Like button, Share this button or interactive mini-programs and Widgets are included in our website. These may collect your IP address and the page you are visiting on our website. These features are directly hosted or hosted by a third-party on our website and your interactions with these features and widgets are governed by the privacy policy of the company providing it.

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