Privacy Policy

Insuractive, Inc.
Privacy and Security Notice

Effective Date July 15, 2020

 

I. Applicability

This Privacy and Security Notice (the “Notice”) applies to all information gathered or maintained by Insuractive, Inc. at at its Websites as well as information transmitted to us by telephone, fax, or otherwise by one of our affiliates or agents, and also information received from our call center. Further information about Insuractive is available at http://www.insuractive.com. Our site contains links to other sites. We are not responsible for the privacy practices, the security measures, or the content of any such Website.

II. Your Privacy

We recognize that you have a need to control the use and management of your personal information. Our goal is to allow you to quickly and easily navigate and use our websites, web applications, and/or other means of communication to learn about our services without jeopardizing your privacy and security in any way. Many of our services are available to you without your disclosing any personally identifiable information. You can learn more about our company, the products and services we offer and what types of policies and products might be right for your individual needs. However, because coverage benefits and premiums for insurance policies are affected by your individual traits and circumstances, we may ask you to disclose personally identifiable information when you purchase a plan through our call center.

III. How We Collect Information

In order to provide the products and services you request, and for the operation and/or promotion of our business, we may need to collect information from you, including personal information. We collect information from you in the following ways:

  1. Information You Provide to Us
    We may collect information from you directly, such as when you enter it on a web page or web form, when you provide information to us or one of our agents in person or via phone, or when you include it in an email or other correspondence that you send to us. For example, we may collect information from you directly through our technical and customer support processes, where we may ask you to provide contact information and a description of the issue you are contacting us about.
  2. Information Collected Automatically Through our Website
    We may also automatically or passively collect information about your use of our website, applications and/or services. While information collected in this manner is not typically personal information, we may combine it in ways that make it personally identifiable. When we do so, we will treat the combined information as personal information. Technologies used in our services to passively collect such information may include:
    Cookies. Small data files placed on a device’s hard drive.
    Web Beacons. Small graphic images or other web programming code called web beacons, (also known as “1×1 GIFs” or “clear GIFs”) may be included on our websites or in our email messages.
    Embedded Scripts. Programming code that is temporarily downloaded onto a device, and is active only while you are connected to our websites, and is deactivated or deleted thereafter.
    In addition, our services may use a variety of other hardware or software specific technologies that automatically collect information.
  3. Information We Receive From Other Sources
    We may also supplement the information that we collect with information that we obtain from other sources. We may combine the information we receive from these outside sources with the information we directly collect. In addition, we may collect information from our trusted external service providers for certain technical data analysis, processing and/or storage offerings.
  4. Other Information We Gather from Your Purchase History and Interactions with Us
    When you interact with us via phone, text, mail, email, via social media or in person, we may collect transactional or other information about these activities and store it with your personal profile. We may use this information to make predictions about your preferences, interests, and future purchase activity.
     

IV. Types of Information We Collect

  1. Personal Identifiers.
    Information that identifies you or another person, including name, gender, signature, address, date of birth, Social Security number, telephone and/or fax number and/or driver’s license or state identification number. Personal identifiers may also include information concerning your insurance license and/or appointment or contracting with various insurance carriers.
  2. Commercial Information.
    Information including records of your personal property, products or services purchased, obtained or considered, or other purchasing or consuming histories or tendencies.
  3. Geolocation Data.
    Information including records of your personal property, products or services purchased, obtained or considered, or other purchasing or consuming histories or tendencies.
  4. Internet or Other Network Activity.
    Information including browsing history, search history, and other information regarding your interaction with an internet websites, application or advertisement.
  5. Health Information.
    Some insurance plans require you to submit certain personal information concerning your medical history in order to process your request. Health Information includes, but is not limited to, your height, weight, and medical history (for diagnoses of heart condition, anemia, headaches, diabetes, cancer, and other health disorders). SMS does not maintain records of your health information, nor do we make any other use of the information other than to pass it along to the insurer who will provide the policy to you.
    If you begin an application for a plan that requires medical information, we will store your application in an encrypted, secure location to facilitate completion of the application. If, after a reasonable time, you have not completed the application or contacted us to keep your file open, that information will be deleted.
    We reserve the right to store your health information associated with specific policy applications for our records as necessary and as mandated by state and/or federal law.

V. How We Use Your Information

We will use the information you provide to us for the purposes for which you provided the information, as stated at the time of collection, and as otherwise described in this Notice or permitted by law. The following are some of the ways in which we may use your information:

  • To provide you with the insurance policies and/or protection plans that best meet your unique needs and preferences;
  • To verify that your purchase orders are received and accurately processed by the appropriate policy producers and/or plan administrators;
  • To maintain accurate records about who you are and where you learned about us;
  • To maintain accurate records about who you are and where you learned about us;
  • To maintain accurate policy records and a personal profile for your secure access via the Web.
  • Deliver important materials to you pertaining to your selected policies and/or plans.
  • To communicate with the insurance provider(s) and/or administrator(s) that you have selected and/or to process information for delivery to them;
  • To contact you in response to your inquiries, comments and suggestions
  • For our own direct marketing purposes, including distribution of newsletters and/or marketing materials via email.
  • To improve the products and services we offer to you and develop new products and services;
  • To improve our Website or mobile applications;
  • Otherwise with your consent or as required by law.
  1. Opting Out of Marketing Emails or Newsletters:
    If you do not wish to receive marketing email from us, or if you decide you no longer wish to receive our newsletter, you can remove yourself from our distribution lists at any time by:
    1. Simply replying and inserting the word "remove" in the subject field to any marketing email you receive.
    2. Sending an email request for removal to privacy@insuractive.com.
    3. Writing to us at Insuractive – Medicare BackOffice, Inc, Attn: Privacy Officer, 8420 West Dodge Road, Suite 510, Omaha NE 68114 USA.
  2. Updating your Advisor Profile and Password:
    If you are an advisor/agent affiliated with Insuractive, you may update and edit your personal profile at any time by logging in to the MBO Advisor Portal. Your edited changes will take effect immediately upon submission. You can also use this feature to change your password, should you so desire. If you want us to remove all of your personal information from our active database, email us at privacy@insuractive.com or write to the address listed above and include your user ID and phone number along with the request to no longer have an active Personal Profile. You may also remove the information yourself by accessing your Personal Profile and entering blank spaces in the data fields.

VI. How We Share Your Information with Third Parties

Consistent with this Notice and applicable law, we may share the information you share with us with affiliated and non-affiliated third parties as follows:

  • The insurance companies with whom you seek to be contracted or appointed, and/or their plan administrators;
  • Our corporate affiliates;
  • Third Party Service Providers – Third parties that provide us with services, including but not limited to data hosting and/or other services that allow us to provide you with the products and services you request;
  • Third Party Joint Marketing Partners – Third parties with whom we have joint marketing or similar contractual agreements to provide you with marketing and promotional offers;
  • Government, legal or regulatory authorities, or others, but only when required to do so by law or in response to a subpoena, court order, or other valid legal process

Opting Out of Affiliate and/or Third Party Marketing

If you would like us to stop providing your information to Joint Marketing Partners or to our corporate affiliates for marketing purposes, please contact privacy@insuractive.com.

VII. Security

All of the information that you transmit to us electronically, via phone, or through one of our agents, including personally identifiable information disclosed during registration, is securely protected using SSL (Secure Socket Layer) 128-bit encryption. VeriSign, the world's leading provider of Internet trust services, provides the digital certificate enabling us to employ SSL encryption. Furthermore, we have implemented strict policy guidelines to safeguard the privacy of your personal information from unauthorized access or improper use, and we will continue to enhance our security procedures as new technology becomes available.

VIII. What are Your Children's Guidelines?

We do not knowingly collect online contact information or personally identifiable offline contact information about children from children.

We do not entice children by the prospect of a special game, prize or activity, to divulge any information about themselves for any reason. We do not permit children under the age of thirteen (13) to register with our sites, as we do not knowingly accept or store personally identifiable information submitted by children younger than thirteen, nor do we respond to, promote to, market to, or communicate with children known to be younger than thirteen years old.

IX. Changes to Our Privacy and Security Notice

We reserve the right to amend this Privacy and Security Notice at our discretion and at any time. When we make changes to this Notice, we will post the updated notice on this Site and update the Notice’s effective date. Your continued use of our web site following the posting of changes constitutes your acceptance of such changes.

XIV. Contact Information

Questions regarding this Notice, or the ways in which we collect, use, or share your information, or if you wish to exercise your rights under California or any other state law, please do not hesitate to contact us by email at:

privacy@insuractive.com

Or by writing to:
Insuractive - Medicare BackOffice, Inc.
Attention: Privacy Officer
8420 W. Dodge Rd. Suite 500
Omaha, NE 68114

Or call us at: (866) 267-6507, extension 4567