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Insurance by Shayla, Find Me Health Insurance, its affiliates, and subsidiaries (the "Company") are strongly committed to protecting your privacy. This Privacy Policy explains our information gathering and dissemination practices. To serve as your insurance carrier, we will ask you to provide us with personal information about you. We only use your personal information to help you apply for health insurance. We do not sell, trade, or give away your personal information to anyone. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. If you have questions or concerns regarding this Privacy Policy, please contact the Company at the e-mail address provided at the end of this Privacy Policy.

Company's Privacy Policy

This Privacy Policy discloses the information privacy practices for the website you are currently visiting. Throughout the policy, we refer to information that can identify you as a specific individual—such as your name, phone number, email address, Social Security number, or credit card number—as "personal information." Further, personal information includes any information involving your health or medical history. We do not sell, trade, or give away your personal information to anyone.

We do not disclose your personal information to third parties unless one of the following limited exceptions applies:

Insurance Agents or Agencies:

If you submit an application for an insurance product offered through an insurance agent or agency with whom we are associated, we may disclose your personal information to that agent or agency to process your requested quote or application. Please be assured that these partners are only permitted to use your personal information to process your requested quote, application, or enrollment form and are contractually obligated to maintain strict confidentiality.

Service Providers:

We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Legal Obligations:

We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law—for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Outside of these exceptions, we will not share your personal information with third parties. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us

We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing a password. Under our current process, you must create an account before starting an application for health insurance or any other product offered on our website.

Children Under the Age of 13 Years

In accordance with the Children's Online Privacy Protection Act (COPPA), we will not knowingly collect or accept personally identifiable information from a child under the age of 13 without a parent's or guardian's prior consent. We will also allow the parent or guardian of a user under the age of 13 to review, update, change, delete, or refuse to permit further collection of any and all information collected by the website. A child's personally identifiable information will be treated with the same care and respect as an adult's information.

Applying for Health Insurance

If you apply for health insurance through our website, we may ask you to provide personal and/or health information relating to you and any family member who will be included on your application. This information will be used solely to process your application. Additionally, we may ask you to provide credit card or bank information, which will be used to process your application or collect any fees associated with your application or insurance premiums upon approval of your application.

Providing You With a Quote or Processing Your Application

We may use your personal information to contact you when necessary to process your application or to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to request additional information as needed.

Customer Satisfaction, Referrals, and Other Products

We may contact you to survey your satisfaction with our service, refer our products and services to others, and/or inform you of additional products and services that may be of interest.

Anonymous Information

We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties. Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state. We use anonymous information primarily for marketing purposes and to improve the services we offer you.

Protecting the Confidentiality and Security of Your Personal Information

We maintain physical, electronic, and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below. We continuously evaluate our efforts to protect your personal information and make every effort to keep it accurate and up to date.

You may update your name, email address, and password by clicking on the "My Account" link on this website and signing in using your email address and password.

Notice of Changes to Our Information Privacy Practices

If we intend to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. Additionally, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy section of our website. Your continued use of the website following the posting of changes to these terms will signify your acceptance of those changes.

The information privacy practices described in this Privacy Policy apply only to applications initiated on this website. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this Privacy Policy. Additionally, all anonymous information collected from this website shall be governed by this Privacy Policy.

Additional Information About Privacy and Security

"Cookies" and "Clear Gifs"

"Cookies" are small files stored by your web browser to help a particular system recognize you and the pages you visited on a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about the quotes you have requested during your session. Additionally, we may use data from cookies for various internal purposes, such as analyzing how users navigate our website. Most browsers automatically accept cookies; however, if you prefer, you can set your browser to refuse cookies. Even without a cookie, you can still use most features on our website, including obtaining quotes and applying for an insurance policy.

"Clear gifs" are tiny graphics with a unique identifier—similar in function to cookies—that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies.

We use third-party web analytics services to track and analyze anonymous usage and statistical information from visitors. These analytics help us administer our website, improve its performance, and report on website usage traffic. These web analytics services use cookies, clear gifs, and other web monitoring technologies to help track visitor behavior on our behalf.

We also use reCAPTCHA, a service provided by Google, to help protect our website from spam and various types of automated abuse. reCAPTCHA collects hardware and software information—such as device and application data and the results of integrity checks—and sends that data to Google to analyze whether an input is made by a human or an automated process. To learn more about reCAPTCHA and the information collected and processed by the reCAPTCHA service, please visit Google's Privacy Policy.

Browser Support and Internet Security

Whenever you enter or provide personal information on our website, we encrypt it using Transport Layer Security (TLS) 1.2 or better technology. TLS protects your information as it travels across the Internet. To support this technology, you should use a browser with strong encryption, such as Mozilla Firefox, Microsoft Edge v77+ or later, Safari, or Google Chrome, and update your browser as needed to ensure you have the latest security capabilities.

To adhere to the latest standards and ensure the highest levels of security, we generally support only the most recent major release of a browser plus one version previous for compatibility. In particular:

Google Chrome: Support for the most current major stable channel release only. Please visit the Google Chrome FAQ for a description of the Chrome support policy.
Mozilla Firefox: Support for the most current major ESR version and above in production only. Please visit the Mozilla FAQ for a description of the Firefox support policy.
Apple Safari: Support for the most current major production release and one prior release.
Microsoft Edge: Support for the latest major version of Microsoft Edge Chromium. Beginning with Microsoft Edge v77, Microsoft has decoupled Edge from the Windows OS and shifted to a Chromium-based browser technology with a continuous six-week update pattern similar to Chrome and Firefox. Please visit the Microsoft Edge FAQ for a description of the Edge support policy.
Microsoft Internet Explorer: Microsoft Internet Explorer 11 has been deprecated in Windows 10. In light of significant security and performance concerns with Internet Explorer 11, Find Me Health Insurance encourages customers to move to a modern browser such as Microsoft Edge, Google Chrome, Mozilla Firefox, or Apple Safari.

For mobile device operating systems, Find Me Health Insurance provides support for the most recent browser delivered by the device operating system only.

If you have any questions or concerns about this Privacy Policy, please contact us at hello@insurancebyshayla.com.