Privacy Policy

findyourhealthinsurance.com ("the Website") is owned and operated by Tekram Marketing LLC ("Tekram Marketing," "we," "us," or "our"). Tekram Marketing LLC is an independent entity, and not part of any federal or state website or entity. Tekram Marketing is committed to protecting your privacy and providing a safe online experience for all users of findyourhealthinsurance.com. This Privacy Policy defines how Tekram Marketing LLC operates, gathers, uses, and discloses personal data about you and your preferences. Personal information, also known as personal data, personally identifiable information, or other similar phrases, refers to any information that directly or indirectly identifies you or can be reasonably associated with you or your home. This Privacy Policy applies to personal information we collect both online and offline, such as when you use our website or interact with us in business dealings, as well as personal information we obtain from business partners, service providers, and contractors who provide us with specific business services ("B2B Dealings") (collectively, "Services").

This Privacy Policy does not apply to any information we acquire from consumers or customers that is subject to the federal Gramm-Leach-Bliley Act ("GLBA Covered Data"). Please read GLBA for our privacy policy regarding GLBA Covered Data.

We may publish separate or additional warnings of our privacy policies in relation to other personal information gathering techniques that are not covered by this Privacy Policy; in such cases, this Privacy Policy will not apply. For example, this Privacy Policy does not apply to the personal information we gather from potential workers, current employees, or subcontractors.

We may alter our Privacy Policy from time to time. If we make any changes, we will notify you by updating the date at the top of this policy. We may also provide you with further notice (for example, by adding a statement to the Services or sending you a notification) when making important changes to this Privacy Policy. We encourage you to review this Privacy Policy on a frequent basis so that you are aware of our information practices and the options accessible to you.

Please be aware that our Services and this Privacy Policy are solely intended for users in the United States.

Contents

I. NOTICE AT COLLECTION.

A. Collection of Personal Information

1. Personal Data You Provide to Us

2. Personal Information We Collect Automatically

3. Personal Information We Gather From Other Sources

4. Personal information we derive

B. Purpose and Use of Personal Information

C. Disclosure of Personal Information

D. Retention of Personal Information

II. Advertising and Analytics

III. Transferring information to the United States and other countries

IV. YOUR CHOICES

A. Cookies

B. Communication Preferences

V. CHILDREN

VI. "DO NOT TRACK"

VII. Additional disclosure for California residents

VIII. Contact Us

I. NOTICE AT COLLECTION

This Notice at Collection informs how we handle personal information about you when you use our Services.

A. Collection of Personal Information

1. Personal Data You Provide to Us

We may collect personal information that you supply directly to us. For example, we may collect information directly from you when you enter your personal information on our website or perform B2B transactions with us. We may gather the following sorts of personal information directly from you:

Contact Information: We gather identifiers and contact information from you, including your name, phone number, business name, title, email address, geolocation/postal address, and other similar identifiers

2. Personal Information We Collect Automatically

We may automatically collect certain personal information concerning your interactions with us or our services, such as:

Activity Information: We may collect information regarding your interactions with our Services, such as your usage of our website or other online services.

Device and Usage Information: We may collect information about how you use our Services, including the hardware model, operating system version, mobile network, IP address, unique device identifiers, and browser type. We also collect information regarding your use of our Services, such as access times, pages viewed, links clicked, and the page you visited before going to our Services.

Cookies and Other Tracking Technologies: We and those that govern the gathering of personal information may use tracking technologies, such as cookies and web beacons, to gather information about you. Cookies are little data files placed on your hard disk or in device memory that allow us to improve our Services and your experience, identify popular areas and features, and count visits. Web beacons (also known as "pixel tags" or "clear GIFs") are electronic pictures that we employ on our Services and in emails to send cookies, track visitors, and analyze usage and campaign performance. For more information about cookies and how to disable them, see Section IV, Your Choices.

3. Personal Information We Gather From Other Sources

We may collect personal information from other sources. For example, we may gather data from advertising networks, data analytics providers, operating systems and platforms, lead providers, social networks, and other advertising partners. This information includes your name, address/location (state and/or zip code), email address, phone number, gender, birth date, Medicare/Medicaid coverage status, IP address, and/or lead identification number, as well as usage data collected via cookies and other trackers described in Section II of Advertising and Analytics.

4. Personal information we derive

We may derive personal information or make assumptions about you based on the information we gather. For example, we may deduce your approximate location based on your IP address or that you are interested in specific services based on your use of our website.

B. Purpose and Use of Personal Information

We may use the categories of personal information identified in Collection of Personal Information in Section I.A above for the reasons listed below:

We provide, maintain, and upgrade our services.

Conduct commercial transactions with our partners, service providers, or contractors.

Process transactions and provide you relevant information, such as confirmations, receipts, bills, and customer experience surveys.Personalize and optimize your experience with our services

Send you technical notifications, security alerts, support and administrative communications;

Respond to your comments and inquiries, and offer customer service.

Communicate with you about Tekram Marketing, LLC's goods, services, and events, and others and deliver news and information that we believe may interest you (see Your Choices in Section IV below for information on how to opt out of these emails at any time).

Monitor and evaluate trends, usage, and activities associated with our Services.

Customize the adverts you view on third-party platforms and websites (for more details, see Advertising and Analytics in Section II below).

Personalize the advertisements you view when you use our Services depending on the information provided by our advertising partners.

Detect, investigate, and prevent security incidents as well as other malicious, misleading, fraudulent, or unlawful conduct, while also protecting Tekram Marketing, LLC's rights and property, among others.

Debug to find and fix faults in our services.

Comply with our legal and financial commitments

.Carry out any other purpose that was specified to you at the time the information was acquired.

C. Disclosure of Personal Information

We release personal information under the following conditions, or as otherwise described in this policy:

Our Service Providers and Contractors: We may share personal information with service providers and contractors who provide us with services such as web hosting, data management, advertising and marketing, and others.

Legal Disclosures: We may release personal information if we believe it is required by any relevant law or legal process, including valid demands from public authorities to meet national security or law enforcement needs. We may also disclose personal information if we believe your actions are in conflict with our user agreements or policies, if we believe you have broken the law, or if we believe it is necessary to protect the rights, property, and safety of Tekram Marketing, LLC., our users, the public, or others.

Disclosed to Advisors and Lawyers: We may share personal information with our lawyers and other professional advisors as needed to receive advice or defend and manage our business interests.

Disclosed During Change of Ownership: We may share personal information in conjunction with or during negotiations for a merger, sale of corporate assets, financing, or purchase of all or part of our business by another firm.

Personal information may be shared throughout our family of companies, including Tekram Marketing, LLC. and our present and future parents, affiliates, subsidiaries, and any companies that share shared control and ownership.

With Your Consent: We may share personal information with your permission or at your request.

Non-Personal Information Disclosure: We may share aggregated or de-identified information that cannot be used to identify you. If we do so, we publicly agree to keeping and using the information in an aggregated or de-identified form, and without attempting to re-identify it, unless permitted or required by law.

D. Retention of Personal Information

We keep personal information for as long as necessary to fulfill the original objectives for which it was obtained, as well as for other legitimate business purposes, such as meeting legal, regulatory, or other compliance requirements.

II. Advertising and Analytics

We may allow third parties to perform analytics services and sell adverts on our behalf across the internet. These entities may collect information about your use of our Services and other websites and applications through cookies, web beacons, device identifiers, and other technologies, such as your IP address, web browser, mobile network information, pages viewed, time spent on pages, links clicked, and conversion information. We and others may use your information to analyze and track data, determine the popularity of specific content, serve advertising and content tailored to your interests on our Services and other websites, and gain a better understanding of your online activities. To learn more about interest-based ads or to opt out of having your web browsing information used for behavioral advertising, go to www.aboutads.info/choices.

We may also collaborate with third parties to deliver ads to you as part of tailored campaigns on third-party platforms. As part of these ad campaigns, we or third-party platforms may convert information about you into a unique value that may be linked to a user account on these platforms, allowing us to learn about your interests and display you advertising that is tailored to your preferences. It's worth noting that third-party sites may provide you the option of seeing these types of tailored adverts or not.

III. Transferring information to the United States and other countries

Tekram Marketing, LLC. is based in the United States, with operations and service providers in several other countries. As a result, we and our service providers may move, store, or access your personal information in jurisdictions that do not have the same degree of data protection as your home jurisdiction.

IV. YOUR CHOICES

A. Cookies

Most web browsers accept cookies by default. If you choose, you can usually change your browser settings to delete or reject browser cookies. Please be aware that removing or rejecting cookies may have an impact on the availability and performance of our services.

B. Communication Preferences

You can choose not to receive text messages or promotional emails from Tekram Marketing, LLC. either following the directions in those mailings or by using the contact information listed in Contact Us below. If you opt out, we may continue to send you non-promotional emails about our ongoing business relationships.

V. CHILDREN

This website is not intended or aimed toward minors under the age of 13. In addition, we do not collect personal information from minors under the age of 13.

VI. "DO NOT TRACK"

Some browsers have implemented "Do Not Track" functionality. When enabled, the majority of these features transmit a signal or preference to the websites you visit, suggesting that you do not want to be tracked. We do not reply to browser do not track signals at this time because there is no universal understanding on how to interpret them.

VII. Additional disclosure for California residents

California law allows residents to request specific details about how personal information is shared with other parties for direct marketing reasons. If you are a California resident and wish to make such a request, please email us at [email protected].

VIII. Contact Us

If you have any queries regarding this Privacy Policy, please email [email protected].

Note to Client: Based on the information you supplied, we believe you do not meet the CCPA standards as changed by the CPRA (see below). As a result, this privacy policy does not cover CCPA/CPRA disclosures. Instead, it addresses ordinary web usage. However, the information you gather from individuals for insurance coverage will be covered by the separate GLBA notification that we also issue. As a result, this online notice is more limited in scope.

Standard for CCPA/CPRA

- Do business in California.

- Collect personal information from Californians;

- Meet any of the following three criteria:

(1) As of January 1 of the calendar year, annual gross revenues exceeded $25 million. OR

(2) Purchases, sells, or shares the personal information of 100,000 or more Californians or households each year, either alone or in combination. OR

(C) Makes 50 percent or more of its annual revenue by selling or distributing Californians' personal information.

You may also be subject to the CCPA/CPRA if you own or control a business that fits the qualifications listed above.

Finally, you may be subject to the CCPA/CPRA if you are a joint venture or partnership made up of firms, each of which owns at least 40% of the company and fits the foregoing standards.

Client should be aware that we did not do an independent data inventory when creating this report. Please carefully check each section to ensure that it truly represents your data collection, use, and disclosure methods, as well as other representations made herein.

Note to Client: Please clarify that the Services will only be provided to individuals in the United States. If not, you may delete this statement.

Note to Client: Please include hyperlinks to the pertinent parts below.

Note to the Client. Here, we are targeting B2B contacts with whom you have a relationship. We transferred the data you collected from people asking estimates to the GLBA notice. This would include business transactions and B2B. Please check to see if this covers the data you will acquire from B2B connections or if anything else needs to be added.

Client's note: All highlighted references to section headers should be hyperlinked to relevant sections.

Note to Client: This is meant to address the California Shine the Light Law. This law applies if you have: (1) 20 or more workers; (2) an established commercial relationship with a California citizen; and (3) exchanged customer personal information with other organizations for direct marketing purposes within the previous calendar year. Please let us know if you believe this law is not applicable to Tekram Marketing, LLC.