Terms of Service and Privacy Policy
Terms of Service
By accessing or utilizing the Site and its Services, you are consenting to adhere to these Terms of Use, establishing a legal agreement between yourself and Insured Health. If you do not concur with these Terms of Use, kindly refrain from continuing to utilize the Site or its Services.
The Services available through the Site encompass a variety of offerings, including complimentary information, insurance quotes, tools, and suggestions for insurance and financial decisions. It's important to note that the provided information generally serves informational purposes, while commercial information becomes available at the point of sale.
In the course of utilizing our Services, you may come across third-party insurance products, brokers, and carriers through advertisements, quotes, purchases, emails, or other marketing channels. Please be informed that third parties may reach out to you on our behalf.
Furthermore, our Services entail quoting, brokering, and facilitating transactions involving both first- and third-party insurance products as a licensed insurance agency.
Quotes or estimated ranges provided on the Site or via phone conversations are non-binding. The ultimate insurance policy premium is determined by the underwriting insurance company upon application. It's worth noting that insurance availability and products may vary depending on state regulations and individual circumstances, potentially requiring additional minimum coverage limits.
Certain sections and services may necessitate account registration, which is indispensable for acquiring, storing, and managing insurance policies. Your registration details must be accurate and truthful, and you are responsible for keeping them up to date. All personal information provided to us is subject to our Privacy Policy.
By submitting unsolicited information, such as comments or ideas, you acknowledge the non-confidential and non-proprietary nature of such information. We reserve the right to utilize and disclose such information for various purposes, including product development and marketing.
Your utilization of the Services involves transmitting information, including personally identifiable information, governed by our Privacy Policy. We may disclose information to authorities or third parties in connection with any investigation or claim arising from your use of the Website.
You are accountable for defending, indemnifying, and holding Insured Health harmless from any claims or actions stemming from your breach of these Terms of Use or misuse of the Site or its Services.
The Site may contain links to third-party websites (External Sites). We lack control over External Sites and bear no responsibility for their content. Any feedback concerning external links is appreciated.
Privacy Policy
This Privacy Policy delineates the information we gather from you when utilizing our Site or services ("Services") and how we employ that information, including its storage, transfer, and potential sale. By accessing or using the Site or any of the Services, you are agreeing to the terms of this Privacy Policy and the Terms & Conditions of Use ("Terms & Conditions"), which govern your utilization of the Site and the Services and are incorporated herein by reference. If you do not agree with this Privacy Policy or the Terms & Conditions, kindly abstain from using the Site or the Services. Any capitalized terms used in this Privacy Policy but not defined shall have the meanings ascribed to them in the Terms & Conditions.
This Privacy Policy is effective as of the last updated date specified above. We reserve the right to amend this Privacy Policy at any time. Please check this page periodically for changes, as your continued use of the Site or Services after any modifications will indicate your acceptance of the updated terms.
INFORMATION WE COLLECT
When you create an account on our Website, request information about our Services or products, place an order for Services, sign up for any information, or provide information for verification or fraud prevention purposes, we may collect personal information from you.
The personal information we collect may include, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, personal and family health information, and similar information about family members and dependents.
COOKIES
If you leave a comment on our site, you may choose to save your name, email address, and website in cookies. This feature is provided for your convenience so that you do not have to enter your details again when leaving another comment. These cookies will remain valid for one year.
When you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie does not contain personal data and will be discarded when you close your browser.
Upon logging in, we will set up several cookies to save your login information and screen display preferences. Login cookies will remain valid for two days, while screen options cookies will last for a year. If you select the “Remember Me” option, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
EMBEDDED CONTENT FROM OTHER WEBSITES
Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites functions in the same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with the embedded content, including tracking your interaction if you have an account and are logged in to that website.
You can disable all cookies through your browser settings, but please note that certain features of this Site may not function properly if you do so.
DATA RETENTION
If you leave a comment, the comment and its metadata are retained indefinitely. This allows us to recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users who register on our website (if any), we store the personal information they provide in their user profile. All users can view, edit, or delete their personal information at any time (except for their username). Website administrators can also view and edit this information.
YOUR DATA RIGHTS
If you have an account on this site or have left comments, you can request to receive an exported file of the personal data