We understand that when you use our Service or visit websites or webpages we manage, support, or for which we are responsible, you are placing your trust in us to appropriately oversee your personal information. It is this trust that serves as the basis for our commitment to take a straightforward and transparent approach to data protection, and part of this approach is ensuring that you are informed about how we may collect and process your personal information.
We process the personal information of Users and Consumers differently because our relationship with our Consumers may be different from the relationship we have with Users. Regardless of the category, “information” as used in this Policy means any information that identifies or can be used to identify an individual directly or indirectly (e.g., first and last name, date of birth, email address, gender, occupation, or other demographic information) and “you” and “your” means, depending on the context, either a Consumer, a User, or both.
Capitalized terms not otherwise defined herein shall have the meaning as set forth in our Terms of Conditions and Use (“Terms”). In the event of a conflict between this Policy and our Terms, the Terms or, if a Provider, our agreement with the Provider will control. A listing of our current Providers can be found here.
We Collect Information From and About You
We collect contact information. For example, if you are a Consumer or User, we might collect your name, street address, phone number, and email address if you register an Account, purchase an insurance policy using, or otherwise submit your contact information to, the Service.
We collect information you submit or post. We collect the information Users post in a public space on or through our Service. We also collect information when you contact us.
We collect demographic information. We may collect information from a Consumer like your gender, age, and date of birth. We may also collect a User’s zip code. We might collect this when you contact us or purchase an insurance product through the Service.
We collect additional information depending upon which portion of our Service you are interested in. For example, if a Consumer applies for a Medicare Advantage Plan, we will collect additional information to process your application, including your Medicare identity number. Or if a User requests information about how we can help you choose the health insurance policy for you, we will collect additional information including information about your medical history, prescription drug use, and current healthcare providers. We also collect information about your current insurance coverage.
We collect usage and device/location information. When you use or visit our website, we may collect information about the browser you are using or what site you came from before visiting seekmedicare.com, or what sites you visit when you leave us. On our app, we may collect information about your location, including saved locations. This may include your precise location. We may collect this using different technologies, including GPS and Wi-Fi. If you use our mobile app, we may also access your device’s location information in the background. We might also collect device identifiers.
We Collect Information in Different Ways.
We collect information directly from you. For example, we collect information from you if you enter it into our website, request insurance information, register for an Account, or purchase a Medicare insurance plan. We also collect information if you contact us.
We collect information from you passively. We use tracking tools like browser cookies and web beacons. We do this on our websites and in emails that we send to you. We collect information about Users over time when you use our Service or websites. We may have third parties collect personal information this way. Learn more about these tools and how you can control them, here.
We also collect information from our mobile apps. This includes information about your device, including your device and app ID. If you have enabled location services for our app, we collect this information in the background, even when you do not have our app open on your phone.
We get information about you from third parties. For example, our business partners may give us information about you, including contact, demographic and other personal information. These may include Providers, governmental agencies, and other data companies. Social media platforms may also give us information about you.
We combine information. For example, we may combine information we get from a third party with information we already have. We may also combine information collected from you on our various platforms. We may also obtain information about you based on other websites you have visited.
We Use Information as Disclosed and Described Here
We use information to respond to your requests or questions. For example, we and our business partners use your information to select and provide you with information about insurance products you may be interested in. We may also use your information to respond to your feedback or requests for information.
We use information to improve our products and services. We may use your information to make our website and products better, including the Service. We might use your information to customize your experience with us.
We use information for security purposes. We may use your information to protect our company and our Users or Providers, or other third parties. We also use information to protect your Account.
We use information for marketing purposes. For example, we might provide you with information, special offers, and advertisements about products or services we offer or have provided to you. This information may be from or on behalf of Providers or other third parties. We might tell you about new features or updates. By submitting your email address and/or phone number to us, you authorize us to use that email address and phone number to periodically send you Communications, including through email, direct dial telephone call, recurring text messages, prerecorded or artificial voice messages, or the use of an “automated telephone dialing system” or “autodialer,” even if a telephone number you provided is on a federal or state Do Not Call List. To learn about your choices for these communications, please read your choices in this Policy or the Terms.
We use information to communicate with you. For example, we will communicate with you about your Account or our relationship. We may contact you about your feedback. We might also contact you about this Policy or our Terms.
We may also use push notifications through your browser and on our mobile apps. We will send you push notifications about insurance related offers and services. We may also send you push notifications for other reasons like Medicare insurance plan updates or required disclosures.
We use information as otherwise permitted by law or as we may notify you. We may send you Medicare policy updates and other disclosures required under Medicare. Or we may use your information to meet our legal requirements, including periodic reporting to government agencies, complying with court orders, valid discovery requests, valid subpoenas, and other appropriate legal mechanisms.
We May Share Information with Third Parties
We may share your information with our marketing partners. We share your information with third parties who will provide you with targeted medical, insurance, and related opportunities, products, or services. The types of information shared include both your personal and non-personal information, as well as your interests and preferences, to better tailor offers of products or services to your needs. Our marketing partners include but are not limited to the following entities: Medigap Life LLC, Elite Insurance Partners LLC, Senior Market Sales LLC and others. Our marketing partners may provide Service on our behalf, perform insurance-related services, or assist us in analyzing how our Service is used. These marketing partners have access to your Personal Information and may contact you only to provide the requested services and are obligated to not disclose, share, or use the information for any other purpose.
We will share information with third parties who perform services on our behalf. For example, we share information with vendors who send emails or text messages for us. We may also share information with companies that host our Service or run a promotion.
We will share information with Providers and other third parties. If you use our Service to purchase an insurance policy, we will share your information, including name, address, email, telephone number, and date of birth, which you provided to us or that we obtained from third-party sources, with Providers or other third parties that may provide it to Providers. Providers that receive your information may use it to assist in providing you insurance or they may confirm your information through a government agency to determine eligibility.
We will share information if we think we must to comply with the law or to protect ourselves. For example, we will share information to respond to a court order or subpoena. This may include information that is discoverable in connection with investigations, litigation, or both. We may share it if a government agency or investigatory body requests. We might share information when we are investigating potential fraud.
We may share information with any successor to all or part of our business. For example, if part of our business is sold, we may give our User list as part of that transaction.
Your information may be viewable by other Users. If you use features of the Service that allow you to post publicly, your username and whatever content you post will be publicly viewable by others.
You Have Certain Choices About How We Use Your Information
You can opt out of receiving our Communications. If you wish to stop receiving marketing Communications from us, you can do so at any time by following the opt-out or unsubscribe methods included in the relevant Communication. For example, to opt out of marketing emails you would press the “UNSUBSCRIBE” link in the email itself. If you wish to opt out of texts, you may reply STOP from the mobile device receiving the messages, and to no longer receive marketing calls, you may make a DO NOT CALL REQUEST either during a call you receive from us or by calling back the phone number provided during the call. Please understand that you may continue to receive communications while SeekMedicare processes your opt-out request, receive a communication confirming the receipt of your opt-out request, and after opting out of receiving marketing messages, continue to receive certain non-marketing communications by email or to a non-wireless number, such as confirmations or updates related to your Account, insurance application or policy, or transactions through the Service.
You can close your Account. To request closure your Account, you can email us at email@example.com. You should know that closure of your Account will result in you permanently losing access to such Account and any data in the Account. Certain information associated with your Account may remain on our backup servers that may or may not identify you for a certain period after Account closure in accordance with our customary business practices or data retention policy.
Cookies and tracking technologies. How you make choices about cookies and other tracking technologies depends on the type of cookie or tracking technology being used. For details on how to manage your preferences for cookies and tracking technologies, please check out our Cookie Notice.
You can control tools on your mobile devices. For example, you can turn off the push notifications on your phone through your phone’s settings.
Other choices about your data. You can make various choices about collection and retention of your information through your Account portal, such as accessing it, correcting it, porting it, deleting it, or updating your choices about how it is used. Any other requests about your data you cannot make through these self-service tools, you can request by emailing firstname.lastname@example.org.
Please be aware that if you provided your information as part of a contract with us, such as when you registered for an Account, that contract may provide more details on retention of or your rights to such information. Otherwise, we typically will only retain your information for as long as reasonably necessary to fulfil the purposes for which it was collected or placed into the Service. However, we may retain your information for a longer period as necessary to carry out necessary business functions (e.g., billing for our products and service) or for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements, such as in the event of a complaint or if we believe there is a prospect of litigation in respect to our relationship with you. However, after expiry of the applicable retention periods, we will delete your information. If there is any information that we are unable, for technical reasons, to delete entirely from our systems, we will put in place appropriate measures to prevent any further use of such information.
Your California Privacy Rights
Consumers residing in California have certain rights with respect to their personal information under the California Consumer Privacy Act or (“CCPA”) (California Civil Code Section 1798.100 et seq.) and the “Shine the Light” Law (California Civil Code Section 1798.83). If you are a California resident, please review our California Privacy Rights Notice.
Information from Children
Our Service, Content, and website are not designed or intended for use by anyone below the age of 18. We also do not knowingly permit children (under the age of 16) to sign up for an Account or to use the Service. If we discover someone who is underage has signed up for an Account, we will take reasonable steps to promptly remove that person’s information from our records. If you believe a person who is underage has signed up for an Account or has otherwise submitted their information to us, please contact us at email@example.com.
We Store Information in The United States
Information we maintain may be stored within the United States. If you live outside of the United States, you understand and agree that you are transferring your information to the United States. Our platforms are subject to U.S. laws, which may not afford the same level of protection as those in your country.
How We Secure Personal Information
We use appropriate security measures to protect the security of your information both online and offline. These measures vary based on the sensitivity of the information we collect, process, and store in conjunction with the current state of technology. We also take measures to ensure our vendors or service providers that process your information on our behalf also have appropriate security controls in place. However, please be aware that no security measure is completely foolproof. While we strive to protect your information, we cannot guarantee that unauthorized access, hacking, data loss, or a data breach will never occur.
To protect the confidentiality of your Account and protect it from unauthorized access or use, you must keep your account password confidential and not disclose them publicly or to unauthorized individuals. You may find the use of a third-party identity authentication program (such as Google Authenticator) or a username/password management application (such as 1Password) helpful in safeguarding your Account.
Please contact us at firstname.lastname@example.org if you think your username and/or password was compromised or misused.
We May Link to Other Sites from Our Service, Or Share Information with Third Parties We Do Not Control
We May Update This Policy
From time to time we may change our privacy policies. If we make changes, we will revise the “Last Updated” date at the top of this Policy. We will also notify you by email or by means of a notice through your Account or the Service of any material changes to our Policy as required by law. We will also post an updated copy on our website. Please check our site periodically for updates.