Privacy Policy

1) Information We Collect

We may collect the following categories of personal information:

• Identifiers: name, email, phone number, postal address, IP address, device identifiers.
• Application/Quote Data: date of birth, gender, household information, coverage preferences, health-related self-reported info you voluntarily provide during quotes/applications (collected on behalf of insurers where applicable).
• Commercial Information: products or services considered or purchased.
• Internet/Technical: device/browser data, pages viewed, referral URLs, session analytics, cookies and similar technologies.
• Communications: messages, call/SMS/email records, support requests, and marketing preferences.
• Inferences: preferences or interests derived from other data (where permitted by law).

Sensitive data note: If you provide health-related information for insurance quoting, we handle it in accordance with applicable privacy laws and insurer requirements. Do not send unnecessary sensitive identifiers (e.g., full SSN) unless expressly requested via a secure channel.

2) Sources of Personal Information

• Directly from you (forms, calls, SMS, email, chat, appointments);
• Automatically from your device/browser and cookies;
• From service providers (e.g., analytics, communications, verification);
• From insurers and partners involved in your application or policy servicing;
• From publicly available sources where permitted.

3) How We Use Information

• Provide, operate, and improve the Services;
• Process quotes, applications, underwriting-related requests, and customer service;
• Communicate with you (including calls/SMS/email) and send transactional and marketing messages (you can opt out of marketing any time);
• Personalize experiences and content;
• Conduct analytics, security monitoring, fraud prevention, and legal compliance;
• Maintain records and fulfill contractual and legal obligations.

4) How We Share Information

• Service Providers: vendors assisting with hosting, analytics, communications, payments, verification, and support;
• Insurers/Partners: to obtain quotes, process applications, and service policies you request;
• Legal/Compliance: to comply with law, respond to lawful requests, enforce terms, or protect rights and safety;
• Business Transfers: in connection with corporate transactions (e.g., merger, acquisition, asset sale);
• With Your Direction: when you ask us to share or otherwise consent.

Sale/Sharing of Personal Information: We do not sell personal information for money. If we use certain advertising or analytics that may be deemed a “sale” or “sharing” under some state laws, you can opt out via the methods in Your Privacy Choices & Rights (US).

5) Analytics, Cookies & Advertising

We and our partners use cookies and similar technologies to operate the site, measure usage, and personalize content and ads. You can manage cookies via your browser settings. Some features may not function without certain cookies.

6) Your Privacy Choices & Rights (US)

Depending on your state (e.g., CA, CO, CT, UT, VA), you may have rights to request access, correction, deletion, portability, and to opt out of certain data processing (including “sale”/“sharing” for targeted advertising). To submit a request or appeal a decision:

• Email or call us using the details in Contact;
• Include enough information for us to verify your identity and locate your records;
• If you are an authorized agent, include authorization documentation.

California Residents (CCPA/CPRA): You have the rights described above and the right to limit use of sensitive personal information (where applicable). We will not discriminate against you for exercising your rights.

Opt-Out of Targeted Advertising / Sale or Share: If our use of ads/analytics is considered a “sale” or “sharing,” you may opt out by contacting us (see Contact) or by using browser-level global privacy controls where supported.

7) Your Rights (EEA/UK Only)

If you are in the EEA/UK, our processing may be based on consent, contract necessity, legal obligations, or legitimate interests. You may have rights to access, rectify, erase, restrict or object to processing, and data portability. You may withdraw consent at any time (without affecting prior processing). You may also lodge a complaint with your local data protection authority.

8) Children’s Privacy

The Services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, please contact us so we can delete it.

9) Data Security

We implement reasonable administrative, technical, and physical safeguards appropriate to the nature of the information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10) Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal and contractual obligations, resolve disputes, and enforce agreements.

11) International Transfers

If you access the Services from outside the United States, your information may be processed in the United States (or other countries) where laws may differ from those in your jurisdiction.

12) “Do Not Track”

Some browsers send a “Do Not Track” (DNT) signal. Because there is no industry standard for DNT, we currently do not respond to such signals.

13) Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a new “Last Updated” date. Material changes will be effective when posted unless otherwise stated.

14) Contact

If you have questions or wish to exercise your privacy rights, contact us:

Website: www.qualityfamilybenefits.com
Phone: (737) 995-5241