Privacy Policy:

Last Updated: 1/1/2023

Assured Health Group LLC and its subsidiaries, divisions, and affiliates (collectively, “Assured”, “we”, “us”, and “our”) recognize the importance of protecting the privacy of the personal information you provide to us. Accordingly, we have developed this Privacy Policy (the “Policy”) so that you can make educated and informed decisions about the personal information that you entrust to us by engaging our services on the websites, social media, email exchanges, mobile apps, and other online services on which this Policy is posted or linked (the “Service”), and understand how we collect, use, disclose, and otherwise manage this information.

Your use of the Service is conditioned upon your agreement to this Policy and our Terms of Use. Before using our Service, please read this Policy carefully as it contains important information on who we are and how and why we collect, store, use, and share your personal information. This Policy also explains your rights in relation to your personal information and how to contact us or the relevant supervisory authorities in the event you have a complaint.

This Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Policy. To the extent that any translated versions of this Policy conflict with the English language version, the English language version of this Policy shall control.

Children and Individuals Under the Age of Eighteen

The Service is not meant for individuals under the age of eighteen, and the Service may use mechanisms to prevent the registration and use of the Service by such underage individuals. Assured will never knowingly request or collect personal information from any child. If you are under eighteen years old, please do not provide your information on our Service. Upon notification that a child has provided us with personally identifiable information, we will delete the child’s personally identifiable information from our records. If you believe we might have any information from a child, please contact us.

Collection of Personal Information

Information you provide to us

Assured will collect personal information from you directly when you interact with our Service, contact us, use our Service, or subscribe or sign up to receive offers or emails from us. The information you provide can be submitted via an online form, over the phone, or by another means through which you interact with the Service.

Information we obtain indirectly

We may receive personal information about you from our third-party affiliates or partners, such as our publisher partners to whom you may have submitted your Information, and from marketing companies that provide us with such information as a part of their relationship with us along with their earlier-obtained consents to share your information with us, which we rely on in contacting you. We may purchase this information from said third parties, and all information collected will be used in accordance with this Policy.

We may combine this with data that we already have collected about you. Such collected data could include contact details (such as email address) and automatically collected log information.

Information collected automatically

When you use our Service, we collect certain information about you automatically through our use of cookies and similar technologies, and we may combine this automatically collected log information with other Information that we collect about you.

Some information may be collected using tracking technologies provided by third parties. Information collected by a third party will be subject to that party’s privacy policies and terms of service.

Categories of Personal Information Collected and Purpose for Collection

Assured collects the following categories of personal information: (1) contact information including your name, email address, street address, city, state, phone number, and zip code; (2) demographic information including your household income, date of birth, the number of people in your family, whether you smoke, and whether you have any preexisting conditions; (3) online behavior information including online activity, preferences, and time spent viewing features; and (4) device and usage information, such as your IP address, browser and device characteristics, information about how and when you use our Service, internet service provider (ISP) information, referring and exit pages, operating system, clickstream data, and other technical information.

Unless stated otherwise in a separate agreement or provided by you in an application for health insurance or other services that require the provision of certain sensitive information, Assured does not collect sensitive personal information such as your social security, driver’s license, state identification card, or passport number; your account login, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; your racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of your mail, email and text messages, unless we are the intended recipient of the communication; your genetic data; your biometric information for the purpose of uniquely identifying you; and personal information collected and analyzed concerning your sex life or sexual orientation. We ask that you not send nor disclose this sensitive personal information to us.

Assured collects your contact and demographic information with the goal of finding an affordable health insurance plan that works for you and your family. In furtherance of this purpose, and to deliver the quotes, products, or services you request, Assured may provide these categories of personal information to insurance carriers and other service providers (collectively, “Network Partners”).

Assured only collects and processes the minimum amount of personal information from you that is necessary for the purposes of our information processing activities and retains such information only if required to fulfill such purposes. Our information processing activities include conducting our business; delivering products and services to you, including via our Network Partners; personalizing your experience on our website; marketing; customer communications and support; user verification; quality management services; Service maintenance and improvements; and complying with legal requirements.

Where applicable, if Assured intends to further process your personal information for a purpose other than that for which the personal information was initially collected, Assured shall, prior to such processing, provide you with any relevant information on such additional purpose, and, to the extent required by applicable law, obtain your consent for this.

Sale and Disclosure of Personal Information

Assured may share, disclose, or sell your personal information for the following limited purposes:

Do Not Track Signals, Cookies, and Other Technologies

We may use “cookies” to help us customize information that we may present to you and to otherwise provide our Service. Specifically, Assured uses cookies for the following purposes:

We may also use web beacons, pixel tags, mobile analytics software, log files, or other technologies to collect certain information about your online activity and interactions with our emails, online and mobile advertisements, and to allow us to keep track of analytics and certain statistical information that enables Assured to improve our services and provide you with more relevant content and advertising offered by Assured or through or linked from our services.

You may, however, disallow receiving cookies at any time through your web browser. Similarly, you may set your mobile device to refuse to provide certain information, but certain features of the Service may not work without such information. It is not our intention to use cookies to retrieve information that is unrelated to our Service or your interaction with our Service.

Linked Sites

Our Service may contain links to other websites owned and operated by third parties, including without limitation social media websites, we think you might be interested in (each a “Linked Site”). When you click on a link to a Linked Site, you will leave our Service and go to that Linked Site, and another entity may collect personal information or anonymous data from you. We have no control over, do not review, and cannot be responsible for, these Linked Sites or their content. Please be aware that the terms of this Policy do not apply to these Linked Sites or their content, or to any collection of your personal information by third parties through the Linked Sites.  Assured is not responsible for the privacy practices or the content of such Linked Sites. Be aware of where you are at all times.

Assured expressly disclaims any liability that may arise from your use or provision of any of your information whatsoever to Linked Sites. You understand and agree that by clicking on a link to a Linked Site that you have left our Service.

User Content

Some features of the Service may now or in the future allow you to provide content, such as written comments or reviews, product images, or interactive responses to content, to be published or displayed on public areas of the Service (“User Content”). Be careful about giving out information in public areas of the Service. The information you share in public areas may be viewed by any user of the Service. We cannot control the actions of other users of the Service with whom you may choose to share your User Content.

Removing Your Information

If you give Assured your contact information over this website, and you wish to have your name and contact information removed from Assured’s database, please send us an email to unsubscribe, and we will remove your name and contact information from where possible. We may need to retain this information to some extent in connection with our business dealings with you or other transactions with the Service.

Commercial Emails, SMS/MMS Mobile Messaging, and Telephone Calls

By providing your contact information to and voluntarily opting-in to receive communications from us, you agree to receive communications from Assured and our affiliates, Network Partners, and their agents (collectively, “Contacts”) directly, through the Service, or through third parties such as platform providers, phone companies, and other vendors or service providers who assist us and our Contacts in making phone calls and delivering text messages. You expressly authorize us to share your information as described herein and agree that our Contacts and we may periodically send you newsletters and other emails with offers and promotions and contact your landline or mobile phone via live operators, automated telephone dialing systems, pre-recorded messages, and text messages to provide the Service to you. You understand that you may stop receiving emails, calls, and text messages from us by following the instructions in those messages or by contacting us. If you do not want further communications from one of our Contacts, please notify that Contact directly.

As with all information collected by Assured, we reserve the right at all times, and to the extent permitted by law, to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide information in connection with the Program, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If, in Assured’s sole discretion, we believe that any such information is untrue, inaccurate, or incomplete, or you have opted into the Program for an ulterior purpose, we may refuse you access to the Program and pursue any appropriate legal remedies.

California Civil Code Section 1798.83 permits users of the Program that are California residents to request certain information regarding our disclosure of the information you provide through the Program to third parties for their direct marketing purposes. To make such a request, please contact us at  info@assuredhealthins.com

Changes To Our Privacy Policy

We reserve the right to change or modify this Policy or our Service at any time, and any changes are effective upon being posted unless we advise otherwise. If we make any material changes to this Policy, we will notify you by email or post notice on this website before the change becomes effective. We encourage you to frequently review this website for the latest information on our privacy practices. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. You are bound by any changes to our Privacy Policy when you use the Service after such changes have been first posted. If you do not accept the terms of our Privacy Policy, we ask that you do not register with us and that you do not use our Service. Please exit the Assured Service immediately if you do not agree to the terms of this Privacy Policy.

Updating and Accessing Your Information

The appropriate method(s) for accessing your Information, if any, will depend on which website or services you have used. Please contact us if you have a specific question or request concerning your information, including how to delete your information. Please note that we may be unable to delete all of your information if some or all of such information must be retained by us to demonstrate our compliance with applicable laws.

Security

If you choose to provide us with your personal information, you understand that we are transferring it to Assured’s locations and systems in the United States or to the locations and systems of Assured’s service providers around the world. Assured uses reasonable security measures to protect the loss, misuse, and alteration of the information under its control. For example, we require employees to comply with information security safeguards, use encryption in the transmission of your Information between your system and ours, and use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persons from gaining access to your Information. Such measures may change from time to time, depending on industry standards and perceived security risks.

However, despite such security measures, Assured cannot guarantee the security of your information and disclaims liability for loss, misuse, and alteration of your information under its control to the maximum extent permitted under applicable law. By using the Service, you agree to assume any security risk related to personal information. You should report any security violations to us by sending an email to info@assuredhealthins.com.

The security of your Assured account relies on your protection of your user profile information. You are responsible for maintaining the security of your user profile information, including your password and for all activities that occur under your account. You may not share your password with anyone.  We will never ask you to send your password or other sensitive information to us in an email. Any email or other communication purporting to be from one of our websites requesting your password or asking you to provide sensitive account information via email, should be treated as unauthorized and suspicious and should be reported to us immediately by contacting us. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account and report it immediately by contacting us.

Consent to Processing and International Transfers

Assured is a U.S.-based business and may process, transfer, and store information about users of the Service on servers located in a number of countries, including the United States. As a result, your personal information may be subject to data protection and other laws that may differ from your country of residence. Your personal information may be disclosed in response to inquiries or requests from government authorities or to respond to judicial process in the countries in which we operate. By using the Service, or by providing us with any information, you consent to the collection, processing, maintenance, and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as, or equivalent to, those in the country where you reside or are a citizen.

Special Notice to California Residents

If you or an authorized agent would like to submit a Consumer Request, you can contact us at info@assurdhealthins.com or use the following interactive form. If you choose to submit a Consumer Request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the Consumer Request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

“Personal information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. “Personal information” does not include publicly available information.

Please note that the categories of personal information, sources, and disclosure will not exceed what is contained in this Policy. Additionally, we are not required to retain any information about you if it is only used for a one-time transaction and would not be maintained in the ordinary course of business. We are also not required to reidentify personal information if it is not stored in that manner already, nor is it required to provide the personal information to you more than twice in a twelve-month period.

Please note that we may not delete your personal information if it is necessary to:

We may not, and will not, treat you differently because of your Consumer Request activity. As a result of your Consumer Request activity, we may not and will not deny goods or services to you; charge different rates for goods or services; provide a different level quality of goods or services; or suggest any of the preceding will occur. However, we can and may charge you a different rate, or provide a different level of quality, if the difference is reasonably related to the value provided by your personal information.

Special Notice for Nevada Residents

Personal information or “covered information” means “any one or more of the following items of personally identifiable information about a consumer collected by an operator through an Internet website or online service and maintained by the operator or a data broker in an accessible form: (1) first and last name; (2) a home or other physical address which includes the name of a street and the name of a city or town; (3) an electronic mail address; (4) a mailing address; (5)  a social security number; (6) an identifier that allows a specific person to be contacted either physically or online; [or] (7) any other information concerning a person collected from the person through the Internet website or online service of the operator and maintained by the operator or data broker in combination with an identifier in a form that makes the information personally identifiable.”

  1. Request to Review and Update. You may review and update your personal information at any time by contacting us.
  1. Request to Opt-Out. You may submit a request to opt out of the sale of your personal information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

To opt out of the sale and sharing of your personal information for all purposes, you can also follow the instructions found here: “Do Not Sell or Share My Personal Information.

Special Notice to Connecticut Residents

Personal information or “personal data” means “information that is linked or reasonably linkable to an identified or identifiable individual.” “Personal data” does not include de-identified or publicly available information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

To opt out of the sale and sharing of your personal information for all purposes, you can also follow the instructions found here: “Do Not Sell or Share My Personal Information.

Special Notice to Colorado Residents

Personal information or “personal data” means “information that is linked or reasonably linkable to an identified or identifiable individual.” “Personal data” does not include de-identified or publicly available information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

To opt out of the sale and sharing of your personal information for all purposes, you can also follow the instructions found here: “Do Not Sell or Share My Personal Information.”

Special Notice to Virginia Residents

Personal information or “personal data” means “any information that is linked or reasonably linkable to an identified or identifiable natural person.” “Personal data” does not include de-identified data or publicly available information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

To opt out of the sale and sharing of your personal information for all purposes, you can also follow the instructions found here: “Do Not Sell or Share My Personal Information.

Special Notice to Utah Residents

Personal information or “personal data” means “information that is linked or reasonably linkable to an identified individual or an identifiable individual.” “Personal data” does not include deidentified data, aggregated data, or publicly available information.

If you or an authorized agent would like to make any of the above requests, you can contact us. If you choose to submit a request, you must provide us with enough information to identify you (e.g., your first and last name, email address, and telephone number) and enough specificity on the requested data. We will only use the information we receive to respond to your request. We will not be able to disclose information if we cannot verify that the person making the request is the person about whom we collected information, or someone authorized to act on such person’s behalf. We will verify your request by comparing the information you provide with the information we have on you and, if your request is submitted by an authorized agent, we will require you to provide signed, written permission for such agent to act on your behalf.

To opt out of the sale and sharing of your personal information for all purposes, you can also follow the instructions found here: “Do Not Sell or Share My Personal Information.

Contact Us

We welcome your questions and comments about privacy. If you have any questions about this Policy, the practices of Assured, or your dealings with an Assured affiliate, please contact us at info@assuredhealthins.com