Health Plans Direct, Inc.

Privacy Policy
Last updated on July 15, 2020
This Privacy Policy describes how your personal information is collected, used, and shared when you visit or make a purchase from https://www.coverplushealth.com (the “Site”).

PERSONAL INFORMATION WE COLLECT

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information."
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit https://www.allaboutcookies.org. - “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps. - “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally when you make a purchase or attempt to make a purchase through the Site, we collect certain information from you, including your name, billing address, email address, and phone number but do not collect or save any payment information that you use to complete the transaction (credit card numbers , Bank Account number or routing number]. We refer to this information as “Order Information.” We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties. When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Order Information.

HOW DO WE USE YOUR PERSONAL INFORMATION?

We use the Information that we collect generally to process your application through the Site (including processing your payment information, and providing you with order confirmations). We share your information with third parties (including insurance companies and insurance marketers) via secured links to receive quotes, process payment and issuing policies that you purchase through our website. Additionally, we use this Information to:
Communicate with you;
Screen for potential risk or fraud; and
When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services. We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).

SHARING YOUR PERSONAL INFORMATION

We share your Personal Information with third parties to help us use your Personal Information, as described above. We also use Google Analytics to help us understand how our customers use the Site--you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.
Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

BEHAVIOURAL ADVERTISING

As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at https://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can opt out of targeted advertising by:
FACEBOOK - https://www.facebook.com/settings/?tab=ads
GOOGLE - https://www.google.com/settings/ads/anonymous
BING - https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: https://optout.aboutads.info/

DO NOT TRACK

Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.

YOUR RIGHTS

If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below.
Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example if you make a purchase through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.

California Residents Privacy Rights

Effective January 1, 2020, residents of California have new privacy rights and more control over their personal information.

Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your Personally Identifiable Information not be shared with third parties by sending your request, including your full name, e-mail address and postal address to: support@coverplushealth.com. In accordance with California Civil Code Sec. 1798.83, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by e-mail to dca@dca.ca.gov.

DATA RETENTION

When you purchase a policy through the Site, we will maintain your policy Information for our records unless and until you ask us to delete this information.

MINORS

The Site is not intended for individuals under the age of 18

CHANGES

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

CONTACT US

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at support@coverplushealth.com or by mail using the details provided below:
1333 S University Dr. Suite 202
Plantation, FL 33324
United States

Coverplushealth.com is an independent marketplace operated by Health Plans Direct, Inc. National Producer Number 17854932 and is not the Health Insurance Marketplace website. We Invite application for insurance in states where we maintain our agency/broker licenses and appointed for each state that requires a license to conduct health insurance sales and services.We are required to comply with all applicable federal laws, including standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Marketplace plans being offered in your state through our partner websites. To see all available data on Marketplace plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov. If you have questions or concerns, please contact us at support@coverplushealth.com

Copyright © 2021 Health Plans Direct, Inc.