Privacy Policy
Last Updated: September 10, 2023
Nations Health Group DBA Primecare Health Advisors, its subsidiaries, and affiliates (collectively, “Primecare,” “we,” “our,” or “us”, including Premier Health Associates Inc. and others) are dedicated to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard the personal information we gather through various means, including:
Our website, info.affordablehealthinsurancequote.org, and any other websites or mobile apps where this Privacy Policy is posted or linked (referred to as the “Website”).
In connection with the provision of our products and services to our customers.
In connection with our business development and marketing activities.
Through our offline and business interactions.
Collectively, these interactions are referred to as the "Services."
In this Privacy Policy, “personal information” refers to any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual.
We encourage you to read this Privacy Policy carefully to understand how we handle your information and privacy practices.
1. Personal Information We Collect
We may collect or obtain information from and about you through various methods, including:
Information Provided by You: When you visit our Website, interact with us, or engage our Services, we collect personal information that you voluntarily share with us. For instance, we may collect personal information when you contact us through email or phone, request promotional materials, or communicate with us.
Depending on the nature of your interactions with us, the categories of personal information we may collect directly from you include:
Contact information: Your name, street address, telephone number, and email address.
Identifying information: Your Primecare account name, Social Security number, date of birth, and other similar identifiers.
Correspondence and communications: Recordings of email and phone conversations, as well as any correspondence related to our Services.
Preferences: Your preferences, including how frequently you wish to receive marketing and promotional communications from us.
Other information: Information you choose to provide, such as data you enter into webforms on our Website and other information you provide during interactions with us.
In some cases, it may be necessary to provide certain personal information for us to deliver our Services to you.
Information Collected Automatically: When you visit and interact with our Website, we (or our service providers) may use cookies, pixels, web beacons, software development kits (SDKs), and similar tracking technologies to automatically collect certain information. This includes:
Device information: Internet Protocol (IP) address, unique device identifier(s), device location, and other information about your browser, device, and operating system.
Usage information: Data about your interactions with our Website, including the date and time of your visits, the specific areas or pages you access, time spent on pages, referring domain names, and other usage-related information.
These technologies help us understand how users interact with our Website and improve their effectiveness.
Analytics: We utilize third-party analytics tools to gain insights into the usage of our Website, helping us enhance our content and Services. For example, we use Google Analytics. You can learn about Google Analytics' practices and opt-out options here.
Interest-based Advertising: We employ third-party tools and services to serve interest-based ads to you across the internet. These tools may use tracking technologies to collect information about your online activities and preferences. To manage your interest-based advertising preferences, see the "Your Choices" section below.
Site Recording Technology: We use third-party site-visit recording technologies to record visits to our Website, collecting data such as page URLs, mouse movements and clicks, user inputs, snapshots of pages visited, time spent on pages, and date/time of interactions. Your use of our Website constitutes acknowledgment and agreement to our use of these technologies and the data they collect.
Information from Other Sources: We may obtain personal information from other sources, including credit bureaus, service providers, customers, lead generators, social media platforms, and other partners. This information may include contact details, demographic data, consumer credit reports, credit scores, financial information, and internet activity information. We use this data to maintain data accuracy, enhance your experience, perform internal analysis, and fulfill other business purposes described in this Privacy Policy.
Combination of Information: We may combine personal information from various sources, including information you provide, data automatically collected from the Website, and information from third-party sources. We use, disclose, and protect this combined information as described in this Privacy Policy.
2. How We Use Personal Information
We may use personal information we collect for various purposes, including:
Providing the Services: This includes operating, maintaining, supporting, and delivering our Services.
Communicating with You: We may contact you for administrative purposes, respond to your inquiries, and send important updates about this Privacy Policy or other relevant terms and conditions.
Marketing and Promotional Communications: We may send you marketing and promotional communications, including emails about products or services that may interest you. You can manage your marketing communication preferences; details are available in the "Your Choices" section below.
Personalizing the Services: We tailor content and personalize your experience with our Services.
Interest-based Advertising: We engage in interest-based advertising, delivering such ads on our Website or other online services across various devices. You can manage your interest-based advertising preferences; details are available in the "Your Choices" section below.
Research and Analytics: We perform research and analytics to improve the Services, analyze usage trends, and develop new products, services, and features.
Maintaining Security and Preventing Fraud: We monitor and secure our systems and networks to detect, prevent, investigate, and protect against fraud, unauthorized transactions, and other unlawful activity, ensuring your safety and privacy.
Satisfying Legal Obligations: We comply with applicable laws and respond to lawful requests and communications from law enforcement and government authorities.
Supporting Business Operations and Transactions: We administer general business and related functions and engage in sales or other business transactions.
We may also use your personal information as described during the information collection process or with your consent. Additionally, we may use your personal information to protect our rights, safety, property, and those of others when necessary.
3. How We Disclose Personal Information
We may disclose the categories of personal information we collect to various recipients, including:
Our Affiliates and Subsidiaries: We share your personal information with other entities within our family of brands to fulfill the purposes described in this Privacy Policy.
Network Partners: When you submit a loan request through our Services, we share your personal information with lenders and other third parties in our network to deliver requested products and services. Network Partners may also provide information about financial products and services that may interest you. Network Partners may use and retain your personal information whether or not you use their services, subject to their own privacy policies.
Financial Companies: We may share your personal information with other financial companies with whom we engage in joint marketing efforts or who offer financial-related products or services that may be of interest to you.
Our Business Partners: We disclose your personal information to other companies with whom we partner to provide the Services and conduct other activities outlined in this Privacy Policy.
Our Service Providers: Third parties that provide business, professional, or technical support services to us may receive your personal information to assist in conducting activities on our behalf.
Our Analytics Providers: Parties that help us perform analytics and measure the effectiveness of the Services and our marketing and advertising efforts may access your personal information.
Our Marketing and Advertising Partners: Personal information may be shared with our marketing and advertising partners, including social media networks, third-party advertising networks, and other entities aiding us in serving, measuring, and optimizing advertisements.
Governmental and Public Authorities: As required or permitted by the laws of any jurisdiction in which we operate, we may disclose your personal information to government and public authorities. This includes responding to subpoenas, court orders, investigative demands, law enforcement requests, requests from self-regulatory bodies, or similar requests from government agencies.
Relevant Third Parties in Connection with a Business Transaction: Your personal information may be disclosed or transferred to an acquiring, succeeding, or assigning entity as part of a merger, acquisition, debt financing, asset sale, or similar transaction. This could also occur in the event of insolvency, bankruptcy, or receivership, where information is transferred as part of our business assets.
Other Parties: We may disclose your personal information to other parties when we believe it's necessary or appropriate to:
Comply with applicable law.
Protect our operations and those of our affiliates and subsidiaries.
Investigate and prevent fraud and other illegal activity.
Protect our rights, safety, property, or those of others.
Pursue available remedies or limit potential damages to us.
We may also disclose your personal information for reasons specified during the information collection process or as directed by you.
In some cases, we may de-identify, anonymize, or aggregate personal information and share it with third parties for various legal purposes.
4. Your Choices
We respect your privacy and offer options to control how we use your personal information:
Marketing and Promotional Communications: You can opt out of receiving marketing and promotional communications or manage your preferences at any time by emailing us at privacy@affordablehealthinsurancequote.org or visiting https://info.affordablehealthinsurancequote.org/opt-out. You may also find opt-out instructions in the communications we send. Please note that even if you opt out of marketing communications, you will continue to receive non-marketing or transactional messages, including account-related and response-related communications.
Cookies: As previously mentioned, we use cookies and similar technologies on our Website. You may be able to limit tracking or decline cookies by adjusting your device or browser settings. Check your device's settings or your browser's "Help" section for instructions on deleting cookies or disabling tracking. Additional information on cookies and how to manage them can be found here.
Interest-Based Advertising: We use services provided by companies like Google, Meta, TikTok, and others to deliver interest-based ads to you across devices. You can manage your interest-based advertising preferences:
Web browsers: Opt out using browser tools provided by interest-based advertising self-regulatory groups like the Digital Advertising Alliance (DAA) and the Network Advertising Alliance (NAI). Please note that you must opt out separately for each browser and device you use. If you delete cookies, change browsers, or switch devices, you may need to opt out again.
Mobile devices: Depending on your device's operating system, you can opt in or out of sharing information about your mobile app usage for interest-based advertising. Consult your device's settings for more information.
Other choices: Advertising partners we work with, such as Google and Meta/Facebook, offer additional options for managing interest-based advertising preferences directly through their services. We encourage you to review the privacy policies of these third-party services for more details on your choices.
5. Information Security
We implement physical, electronic, and procedural measures to safeguard your personal information from unauthorized access or disclosure. While we take steps to secure your information, no system can be entirely foolproof. Thus, while we strive to secure your data, we cannot guarantee the complete security of your information, searches, or communications.
6. Information Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or allowed by law. The appropriate retention period depends on factors like the nature and sensitivity of the information, the potential risks from unauthorized access or disclosure, the purpose(s) for using the data, and applicable legal requirements.
When we de-identify information, we maintain and use it in de-identified form and do not attempt to re-identify the data except as required or permitted by law.
7. Third-Party Services
Our Website may contain features or links to third-party websites and services, including social media widgets and plugins. These third-party websites and services are not governed by this Privacy Policy. Any personal information you provide to these third-party owners or operators is subject to their privacy policies, even if accessed through our Website. We recommend reviewing the privacy policies of these third-party services before sharing personal information with them.
8. Children’s Privacy
Our Services are not intended for or directed at individuals under the age of 18, and we do not knowingly collect personal information from such individuals.
9. Services Limited to the United States
Our Website is designed to provide services in the United States and is governed by U.S. law. We do not claim to be governed by or operated in accordance with the laws of other countries or foreign jurisdictions.
10. Changes to this Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our information handling and privacy practices, or due to changes in applicable law. The "Last Updated" date at the top of this page indicates when the Privacy Policy was last revised. In the case of material changes to this Privacy Policy, we will provide you with additional notice if required by applicable law.
Unless otherwise stated, the current version of this Privacy Policy applies to all aspects of our Services and all personal information under our control. We encourage you to periodically review this Privacy Policy to stay informed about our information handling and privacy practices. By visiting or using our Services, you agree that any changes to this Privacy Policy shall apply to any personal information we may maintain about you, whether collected before or after such changes.
11. How to Contact Us
If you have any questions or comments about this Privacy Policy or our information handling and privacy practices, please feel free to contact us using the following contact details:
Email: privacy@affordablehealthinsurancequote.org
Your privacy is important to us, and we are committed to addressing any concerns or inquiries you may have regarding our privacy practices.