Privacy Policy of www.healthcare.com

Owner and Data Controller

HealthCare, Inc.

Owner contact email: privacy@healthcare.com

Types of Data collected

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: Cookies, Usage data, first name, last name, gender, date of birth, phone number, address, country, state, province, email address, ZIP/Postal code, city, username and geographic position.

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.
The Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using this Application.
All Data requested by this Application is mandatory and failure to provide this Data may make it impossible for this Application to provide its services. In cases where this Application specifically states that some Data is not mandatory, Users are free not to communicate this Data without any consequences on the availability or the functioning of the service.
Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.
Any use of Cookies – or of other tracking tools – by this Application or by the owners of third-party services used by this Application serves the purpose of providing the service required by the User, in addition to any other purposes described in the present document and in the Cookie Policy, if available.

Users are responsible for any third-party Personal Data obtained, published or shared through this Application and confirm that they have the third party's consent to provide the Data to the Owner.

Mode and place of processing the Data

Methods of processing

The Data Controller processes the Data of Users in a proper manner and shall take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.
The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Data Controller, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Data Controller at any time.

Place

The Data is processed at the Data Controller's operating offices and in any other places where the parties involved with the processing are located. For further information, please contact the Data Controller.

Retention time

The Data is kept for the time necessary to provide the service requested by the User, or stated by the purposes outlined in this document, and the User can always request that the Data Controller suspend or remove the data.

The use of the collected Data

The Data concerning the User is collected to allow the Owner to provide its services, as well as for the following purposes: Advertising, Analytics, Contacting the User, Content commenting, Content performance and features testing (A/B testing), Hosting and backend infrastructure, Interaction with external social networks and platforms, Location-based interactions, Registration and authentication and SPAM protection.

The Personal Data used for each purpose is outlined in the specific sections of this document.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

• Advertising

  This type of services allows User Data to be utilized for advertising communication purposes displayed in the form of banners and other advertisements on this Application, possibly based on User interests.
  This does not mean that all Personal Data are used for this purpose. Information and conditions of use are shown below.
  Some of the services listed below may use Cookies to identify Users or they may use the behavioral retargeting technique, i.e. displaying ads tailored to the User’s interests and behavior, including those detected outside this Application. For more information, please check the privacy policies of the relevant services.

  Google AdSense (Google Inc.)

  Google AdSense is an advertising service provided by Google Inc. This service uses the “Doubleclick” Cookie, which tracks use of this Application and User behavior concerning ads, products and services offered.
  Users may decide to disable all the Doubleclick Cookies by clicking on: google.com/settings/ads/onweb/optout.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy – Opt Out

• Analytics

  The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

  Google Analytics (Google Inc.)

  Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this Application, to prepare reports on its activities and share them with other Google services.
  Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy – Opt Out

• Contacting the User

  Contact form (This Application)

  By filling in the contact form with their Data, the User authorizes this Application to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header.

  Personal Data collected: address, country, date of birth, email address, first name, gender, last name, phone number, province, state, various types of Data as specified in the privacy policy of the service and ZIP/Postal code.

  Mailing List or Newsletter (This Application)

  By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this Application. Your email address might also be added to this list as a result of signing up to this Application or after making a purchase.

  Personal Data collected: city, country, date of birth, email address, first name, gender, last name, phone number, province, state and ZIP/Postal code.

  Phone contact (This Application)

  Users that provided their phone number might be contacted for commercial or promotional purposes related to this Application, as well as for fulfilling support requests.

  Personal Data collected: phone number.

• Content commenting

  Content commenting services allow Users to make and publish their comments on the contents of this Application.
  Depending on the settings chosen by the Owner, Users may also leave anonymous comments. If there is an email address among the Personal Data provided by the User, it may be used to send notifications of comments on the same content. Users are responsible for the content of their own comments.
  If a content commenting service provided by third parties is installed, it may still collect web traffic data for the pages where the comment service is installed, even when Users do not use the content commenting service.

  Facebook Comments (Facebook, Inc.)

  Facebook Comments is a content commenting service provided by Facebook, Inc. enabling the User to leave comments and share them on the Facebook platform.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  Comment system managed directly (This Application)

  This Application has its own internal content comment system.

  Personal Data collected: username.

• Content performance and features testing (A/B testing)

  The services contained in this section allow the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of this Application.

  Optimizely (Optimizely, Inc.)

  Optimizely is an A/B testing service provided by Optimizely, Inc.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

• Hosting and backend infrastructure

  This type of services has the purpose of hosting data and files that enable this Application to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this Application. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.

  Amazon Web Services (AWS) (Amazon)

  Amazon Web Services is a hosting and backend service provided by Amazon.com Inc.

  Personal Data collected: various types of Data as specified in the privacy policy of the service.

  Place of processing: See the Amazon privacy policy – Privacy Policy

• Interaction with external social networks and platforms

  This type of services allow interaction with social networks or other external platforms directly from the pages of this Application.
  The interaction and information obtained through this Application are always subject to the User’s privacy settings for each social network.
  This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.

  AddThis (Addthis Inc.)

  AddThis is a service provided by Clearspring Technologies Inc., which displays a widget that allows interaction with social networks and external platforms as well as sharing the contents of this Application.
  Depending on the configuration, this service can display widgets belonging to third parties such as the managers of social networks where interactions are shared. In this case, also the third parties that provide the widget will be informed of interactions and Usage Data on the pages where this service is installed.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  Facebook Like button and social widgets (Facebook, Inc.)

  The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook, Inc.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  Google+ +1 button and social widgets (Google Inc.)

  The Google+ +1 button and social widgets are services allowing interaction with the Google+ social network provided by Google Inc.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  LinkedIn button and social widgets (LinkedIn Corporation)

  The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  Pinterest “Pin it” button and social widgets (Pinterest)

  The Pinterest “Pin it” button and social widgets are services allowing interaction with the Pinterest platform provided by Pinterest Inc.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  ShareThis (Sharethis Inc.)

  ShareThis is a service provided by ShareThis Inc., which displays a widget that allows interaction with social networks and external platforms as well as sharing the contents of this Application.
  Depending on the configuration, this service can display widgets belonging to third parties such as the managers of social networks where interactions are shared. In this case, also the third parties that provide the widget will be informed of interactions and Usage Data on the pages where this service is installed.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

  Twitter Tweet button and social widgets (Twitter)

  The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter Inc.

  Personal Data collected: Cookies and Usage data.

  Place of processing: US – Privacy Policy

• Location-based interactions

  Geolocation (This Application)

  This Application may collect, use, and share User location Data in order to provide location-based services.
  Most browsers and devices provide tools to opt out from this feature by default. If explicit authorization has been provided, the User’s location data may be tracked by this Application.

  Personal Data collected: geographic position.

• Registration and authentication

  By registering or authenticating, Users allow this Application to identify them and give them access to dedicated services.
  Depending on what is described below, third parties may provide registration and authentication services. In this case, this Application will be able to access some Data, stored by these third party services, for registration or identification purposes.

  Facebook Authentication (Facebook, Inc.)

  Facebook Authentication is a registration and authentication service provided by Facebook, Inc. and is connected to the Facebook social network.

  Personal Data collected: various types of Data as specified in the privacy policy of the service.

  Place of processing: US – Privacy Policy

• SPAM protection

  This type of services analyzes the traffic of this Application, potentially containing Users' Personal Data, with the purpose of filtering it from parts of traffic, messages and content that are recognized as SPAM.

  Akismet (Automattic Inc.)

  Akismet is a SPAM protection service provided by Automattic Inc.

  Personal Data collected: various types of Data as specified in the privacy policy of the service.

  Place of processing: US – Privacy Policy

Further information about Personal Data

• Protection of Your Information

  We implement security measures to maintain the safety of your personal information when you enter or submit your personal information. We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

• Information We Collect and Use

  We collect personal information when you use the tools on our HealthCare.com site. Some of our tools include systems to help you search for, review and compare health insurance plans. To provide these services, we may ask for information such as your date of birth, members of your family, zip code and whether you use tobacco. Information that you enter is used to identify health plans and other healthcare products and services that fit your profile. You have the option of using our consumer tools anonymously. In order to use some areas of this web site, you must first complete the registration form. If you as choose to register for "Take Control of Your Health" and "Advertise with Us", we request certain personally identifiable information from you such as your email address, gender, age and zip code. This information is used to improve the content of our web, review purposes, customize the content and/or layout of our page for each individual visitor, notify consumers about updates to our Web site, contact consumers for marketing purposes and aggregate information on what pages our consumers access or visit.
  
  Additionally, this website collects personal data from its Users for the following purposes and using the following services:
  
  + Access to third party services' accounts, such as access to the Facebook account. Permissions: Email
  + Twitter Tweet button and social widgets, Facebook Like button and social widgets and Google+ +1 button and social widgets. Personal Data: Cookie and Usage Data
  + Registration and authentication. Direct registration. Personal Data: Email and Password
  + Remarketing and Behavioral Targeting. AdWords Remarketing. Personal Data: Cookie and Usage Data
  + Analytics:
  - Google Analytics and Google AdWords conversion tracking. Personal Data: Cookie and Usage Data
  - Google Tag Manager: a snippet of JavaScript that sends information to a third party, such as Google. The tag manager tool itself (which deploys the tags) is a cookie-less domain and does not collect any personally identifiable information. The tool instructs other tags to fire, and these other tags may collect data. This data is not accessed by Google Tag Manager. Please view Google Tag Manager Product use policy for more information.
  + Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Crazyegg is a heat mapping service provided by Crazy Egg Inc. Personal Data collected: Cookie and Usage Data. Place of processing : USA – Privacy Policy
  
  We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.
  
  Except as described in this privacy policy, we don't sell or rent Users' data to any third parties for any purpose. The only uses of Data are those highlighted in this policy. Users are the only owner of their Data and can request modification or deletion at any time.

• Information Sharing and Disclosure

  We share personal information about you under the following circumstances:
  
  Insurance Quote Requests
  
  If you submit a request on the site for quotes for insurance products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, etc.) with third parties, which include insurance agents, insurance carriers, lead aggregators, and other insurance service providers (“Service Providers”) in our network to process and fulfill your request for insurance quotes. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network.
  
  All Service Providers in our network have entered into agreements with us that require them to secure any personal information provided through the site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations, such as those outlined in the Health Insurance Portability and Accountability Act (HIPAA). By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of HealthCare.com or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.
  
  Aggregate, Non-Personal, or De-identified Information
  
  We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our site and on the websites of third parties and our affiliates.
  
  As Required by Law
  
  We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances whenever we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or as otherwise required by law.
  
  Business Transfer
  
  As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company would have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy.

• Emails

  By providing your contact information to us through the site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to us at info[@]healthcare.com. You may also opt-out by clicking on the unsubscribe link in our emails.

• Third-Party Links

  This Privacy Policy applies to all information that you provide on the site. However, when you visit websites to which QuoteLab.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.
  
  Please note that we can only control our own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a Service Provider in our network, any use of your information by that Service Provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.

• Information Collection Technologies

  To better serve our users and Service Providers and increase the response time of the site, we use various technologies to collect information about our users, such as:
  
  Cookies. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used the site. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners. We also may use cookies to deliver targeted advertising (or allow third parties to deliver targeted advertising) on our website and the websites of our affiliates and third parties.
  
  Log Files. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
  
  Clear Gifs. We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site and in our HTML emails by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

• Children’s Privacy

  This Website is not intended for use by children under the age of 13. We will not knowingly collect any personal information from visitors under the age of 13 online through this Website. If you think that we have collected personal information from a visitor under the age of 13, please contact us.

• Visitors Outside the United States

  This Privacy Policy is intended to cover collection of information on our site from residents of the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By visiting our site or using our Services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country.

• Your Consent

  By using our site, you consent to our Website’s privacy policy. If you do not agree to this policy, please do not use any portion of the site. When you request insurance quotes or other information through the site, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly.

• Changes to Our Privacy Policy

  If we decide to change our privacy policy, we will post those changes on this page. You should check this privacy policy each time you use the site to ensure you are aware of any changes in our privacy practices. Our privacy policy will indicate the date it was last updated. Your continued use of our site after we have posted any privacy policy changes indicates your agreement to the changes unless you notify us otherwise.

• Contacting us

  If there are any questions regarding this privacy policy you may contact us using the information below.
  
  HealthCare.com, Inc.
  3301 NE 1st Ave. Suite 915
  Miami, FL 33137
  Attn: Privacy Policy
  
  E-mail: contact@healthcare.com
  Fax: 305-400-0817
  
  Effective Date: September 9, 2014

Additional information about Data collection and processing

Legal action

The User's Personal Data may be used for legal purposes by the Data Controller, in Court or in the stages leading to possible legal action arising from improper use of this Application or the related services.
The User declares to be aware that the Data Controller may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data

In addition to the information contained in this privacy policy, this Application may provide the User with additional and contextual information concerning particular services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, this Application and any third-party services may collect files that record interaction with this Application (System logs) or use for this purpose other Personal Data (such as IP Address).

Information not contained in this policy

More details concerning the collection or processing of Personal Data may be requested from the Data Controller at any time. Please see the contact information at the beginning of this document.

The rights of Users

Users have the right, at any time, to know whether their Personal Data has been stored and can consult the Data Controller to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.

This Application does not support “Do Not Track” requests.
To determine whether any of the third-party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy

The Data Controller reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any of the changes to the Policy, the User must cease using this Application and can request that the Data Controller remove the Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the Data Controller has about Users.

Information about this privacy policy

The Data Controller is responsible for this privacy policy, prepared starting from the modules provided by Iubenda and hosted on Iubenda's servers.