Privacy Policy

Privacy Policy

This privacy notice discloses the privacy practices for www.seniorbenefitsnevada.com. This privacy notice applies solely to information collected by this web site and how we may use such information.

Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to and collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to any third party for any reason.

We will use your information to respond to you regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to provide insurance quotes, process an insurance application, or similar reasons.

A properly licensed insurance producer (agent) may contact you via telephone or email regarding your quote request in order to further clarify your eligibility for coverage, etc. In the future, we may contact you to inform you about new products or services, impending rate changes, or changes to this privacy policy.

Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You may do so at any time by contacting us via the email address or phone number given on our website or on any email communication with us.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information, such as personally identifiable information required to process an insurance quote or application, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job relating to the processing of insurance quotes or applications are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Cookies

We may use “cookies” on certain sections of this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site. Although some of our business partners may use cookies on our site, we have no access to or control over those cookies.

Online Health Insurance Purchase Links

Our website and email communications related to our site contains links to some health insurance carriers that provide online purchase of health and/or life insurance plans.  These services are provided across encrypted sessions so your data is protected.  To apply for coverage from an insurance carrier, you may be asked to provide certain personal information (such as name, age, gender, spouse, dependents, phone number, home and business address), in addition to certain financial information and health history information. This information is used for to process your application and to establish billing practices following issuance of coverage. As your application is processed, insurance companies may routinely contact you using contact information you provide to them. Each insurance carrier has its own privacy policy presented to the end user in the process.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via email or phone as indicated on our site.

We are strongly committed to protecting your privacy. To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our privacy policy. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this 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 about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party’s privacy policy.

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

A. Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities

If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.

B. Service Providers

We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us or to 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.

C. Employers, Affinity Groups, and Benefits Administrators or Consultants

If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

D. Legal Obligations

We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. 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, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

E. Your Consent

If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where we may have a corporate account for the purpose of adding you to our social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

F.Your Requests for Products or Services

If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product or make any other request on our site for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

A. Applying for Health Insurance and Other Products

If you apply for health insurance or other insurance products through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you to provide us with your credit card, bank information and social security number, which will be used by your chosen insurance company or HSA Trustee or Administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.

B. Providing you with a quote or processing your application

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.

C. Customer satisfaction, referrals and other products

We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

D. Collection and Use of 3rd party Personal Information:

You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided.

E. We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

As is true of most web sites, we may gather certain information automatically or systematically and store it in log files. 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 or browser information such as browser type, device type, geographic region, IP address, and other non-personally identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs.

The strict restrictions we have in place for personal information do not necessarily apply to anonymous information. Because anonymous information is designed to not personally identify individuals, if we change the way we use your anonymous information after we have collected it, we will be unable to contact you to notify you of such change.

We use anonymous information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose anonymous information to third parties.

We may use cookies, clear gifs, Internet Protocol or IP addresses, tracking pixels, page tags and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below. Because such technologies develop quickly, we are not limited to using only the technologies described in this policy for collecting or handling anonymous information.

We protect 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 continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

If your personal information changes, or if you otherwise want to correct, update or delete your contact information held by us, you may contact us by email or by mail address listed on our contact page.  Once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.

We will provide notice of changes in our personal information privacy practices.

If we are going to use your personal information in a manner materially different from that stated at the time of collection, we will notify you via email (sent to the email address specified in your account) or by means of a notice on the website prior to the change becoming effective. You will have a choice as to whether or not we use your personal information in this different manner.

If we make any material changes to our personal information privacy practices that do not affect the personal information already stored in our database, we will notify users of the change in the privacy portion of our website.

We will not contact you regarding any change in use or disclosure of your anonymous information because anonymous information is designed to prevent us from being able to do so.

You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.

We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact through our contact page.

DISCLAIMER

We are a brick and mortar insurance agency with an online presence. We match people in need of insurance services with carriers and plans we deem appropriate. We do not charge for our service. We do not provide any financial service or legal advice. We are not responsible for any errors contained in our site. You use this site at your own risk.