Privacy Policy

{domain} ("Company," "we," "us," or "our") respects your privacy and is committed to protecting it through this Privacy Policy. This policy describes how we collect, use, disclose, and safeguard your information when you visit our website or interact with our services.

By using this website, you consent to the data practices described in this policy.

1. Information We Collect

We collect information in the following categories:

A. Personal Information You Provide

When you voluntarily submit information through forms or interactions on the website, we may collect:

• Full name
• Email address
• Phone number
• Zip code, city, or state of residence
• Age or general eligibility information (where applicable)
• Information related to your inquiry or request

B. Information Collected Automatically

When you access or use the website, we may automatically collect certain information, including:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and referring URLs
• Date and time of access
• Cookie identifiers and similar online identifiers

This information is used for analytics, security, performance monitoring, and compliance purposes.

C. Sensitive Personal Information

We do not collect sensitive personal information, including but not limited to:

• Social Security numbers
• Government-issued identification numbers
• Bank account or payment card details
• Biometric identifiers
• Precise geolocation data

2. How We Use Your Information

We use collected information for the following purposes:

• To provide requested information or services
• To connect users with relevant insurance or benefit providers
• To respond to inquiries or support requests
• To improve website functionality and user experience
• To conduct analytics and performance measurement
• To comply with legal, regulatory, and compliance obligations
• To prevent fraud, abuse, or malicious activity

3. Legal Basis for Processing (GDPR)

For users located in the European Economic Area (EEA), we process personal data under the following legal bases:

• Consent (when you submit information voluntarily)
• Legitimate Interest (site analytics, security, fraud prevention)
• Contractual Necessity (when providing requested services)
• Legal Obligation (regulatory or compliance requirements)

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enable essential website functionality, analyze traffic and site usage, and improve performance and user experience.

These technologies may collect information such as IP address, browser type, device information, pages visited, referring URLs, and interaction data.

Where required by applicable law, we obtain user consent for cookies and tracking technologies via a visible consent mechanism.

Users may control or disable cookies through their browser or device settings. Please note that disabling cookies may limit certain features or functionality of the website.

5. Sharing of Information

We may share information in the following circumstances:

• With trusted service providers, vendors, or partners who perform services on our behalf
• With insurance or benefits partners to fulfill user requests
• To comply with legal obligations or lawful requests
• To protect the rights, safety, or property of users or the Company

We do not knowingly sell personal information in the traditional sense. However, certain data disclosures may be considered a "sale" or "sharing" under applicable privacy laws.

6. Your Privacy Rights

Depending on your location, you may have the right to:

• Request access to your personal data
• Request correction or deletion of your data
• Opt out of the sale or sharing of personal information
• Limit or object to certain data processing
• Withdraw consent at any time

California Residents (CCPA / CPRA)

California residents have the right to:

• Know what personal information is collected
• Request deletion of personal information
• Opt out of the sale or sharing of personal information
• Not be discriminated against for exercising privacy rights

Requests may be submitted using the contact us form.

7. Data Retention

We retain personal information only for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements

Retention periods vary depending on data type and purpose, typically ranging from 12 to 36 months, unless longer retention is required by law.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, misuse, or disclosure. However, no system is completely secure, and we cannot guarantee absolute security.

9. Third-Party Websites

This website may contain links to third-party sites. We are not responsible for the privacy practices or content of those third-party websites.

10. Children's Privacy

This website is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to This Policy

If we make material changes, we will update the "Last Updated" date at the top of this Privacy Policy and may provide additional notice as required by applicable law.

12. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us.