ensurem.com ONLINE PRIVACY POLICY
Updated March 20, 2023.
OUR COMMITMENT TO YOUR PRIVACY
INTRODUCTION
We want to make your experience online both satisfying and safe. This site is owned and operated by Ensurem LLC, a Delaware limited liability company (together with its affiliates, collectively, the “Company,” “we” or “us”) headquartered in Largo, Florida. We understand that you value your privacy and we want you to know that we value your privacy, too. The purpose of this privacy policy (this “Privacy Policy”) is twofold: first, it governs both the information that you provide to us and the information that we gather from you while using this website (ensurem.com) (the “Site”); second, it tells you how we may collect, use, and share this information.
Except as described in this Privacy Policy, or unless we are given permission by you, we will not sell or disclose your personally identifiable information to third parties.
WHY DO WE COLLECT YOUR INFORMATION?
Great question! We are in the business of helping consumers shop for and locate insurance plans and insurance-related products in a convenient and efficient manner (our “Services”). We accomplish this by using the Site to connect consumers with insurance companies (referred to as “Providers”). The insurance plans and insurance-related products found on the Site include term life insurance plans and annuity products, MediGap coverage, final expense plans, dental plans, home security coverage, hospital indemnity insurance, discounted health plans, and many other types of insurance and insurance-related products (see all the plans and products here). We do not issue or underwrite these plans and products; all such plans and products are issued and underwritten by Providers. Because we deal with many Providers, the more detailed and accurate the information you provide us, the better equipped we will be to provide you accurate quotes.
INFORMATION WE COLLECT AND HOW WE USE IT
WHAT DO WE COLLECT AND HOW DO WE USE IT?
First: what information do we collect? When you click the “Get Quote” link for a particular insurance product, you will be directed either to another webpage on the Site where you will be prompted to provide certain personally identifiable information. As noted above, the information you provide is an essential component to obtaining an accurate quote. The specific information that you are requested to provide will depend upon the particular product or plan that you seek a quote for, but examples of personally identifiable information include:
- First and Last Name
- Postal Address
- Email Address
- Phone Number
- Date of Birth
- Gender
Second: how will we use that information? We will process your personally identifiable information in the manner set forth in this Privacy Policy and may also use such information for the following (and for other) purposes:
- To deliver our products and Services to consumers, including the display of customized content and advertising;
- To conduct research and analysis in order to maintain and improve our products and services;
- To ensure that our system and network are functioning properly;
- To aid our development of new services and improvement of current Services;
- To alert you to product updates, special offers, updated information, and newly offered services. (Although you may choose to stop receiving these types of communications at any time); and
- To contact you in response to your requests for information or to assist you with Site errors.
Furthermore, we may at times aggregate the information we obtain from you with the information we obtain from other consumers. We may use this aggregated information to improve the Site and our Services, or we may, if permitted under applicable law, disclose it to third parties. However, none of the aggregated information that is shared with third parties will contain your or any individual user’s personally identifiable information.
While we do not intend to collect personal health information (“PHI”) through the Site, we understand that it may nevertheless be submitted by you. To the extent we come into possession of your PHI, it will be used and maintained in accordance with the Health Insurance Portability and Accountability Act of 1996, the Health Information Technology for Economic and Clinical Health Act (2009), and other applicable laws and regulations.
Third: what does this mean? When you submit your information to receive a quote on the Site, you are expressly authorizing us (or our agents or partner companies, as the case may be) to contact you at the phone number, e-mail address, and/or mailing address you submit. We (or our agents or partner companies) may contact you to either provide you with the requested quote or to obtain additional information deemed necessary to provide the requested quote. Although the method used to contact you may vary, you authorize us to contact you via live, prerecorded, or autodialed calls, text messages, e-mails, or through physical mail. Keep in mind, you may revoke your consent to be contacted by us at any time by sending your request to info@ensurem.com. In addition, by submitting your information, you understand that we (or our agents or partner companies) may confirm the information provided by you by obtaining a consumer report, which may include your credit score and/or driving record.
The Centers for Medicare and Medicaid Services (CMS) Blue Button 2.0
The CMS Blue Button 2.0 provides organizations like Ensurem, along with Medicare Beneficiaries valuable data access to your benefits and claim information which can improve data accuracy and efficiency during your enrollment process ensuring you receive the healthcare coverage best suited to your needs. The data collected originates from the CMS system. Ensurem uses this data for quoting and enrollment purposes only by sharing it with our vendor, Sunfire. To learn more about how this data is stored and used by Sunfire, please visit https://www.sunfireinc.com/privacy-policy/.
Additional Acknowledgements. By accessing the Site, you acknowledge that you have read and understand this Privacy Policy and the Site’s Terms of Use, and, further, you agree to abide by and be bound by the same. By submitting your information through the Site to obtain a quote, you are providing your consent to receive insurance quote reminders and special promotions from us. If you no longer wish to receive promotional e-mails or reminders from us, then you may opt-out at any time by sending your request to info@ensurem.com. Lastly, you acknowledge and agree that we are not responsible, and shall not be held liable.
USAGE TRACKING
LOG FILES
As is true of most web sites, we may gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve the Services we offer you, to improve marketing, analytics, or Site functionality. We don’t share any of this information with third parties.
COOKIES/TRACKING TECHNOLOGIES
Technologies such as cookies, beacons, tags, and scripts may be used by us and our marketing partners, affiliates, analytics team, or service providers. These technologies are used in analyzing trends, administering the Site, tracking consumers’ movements around the Site and to gather demographic information about our user-base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We may use cookies to authenticate the user on each page while browsing the Site. Consumers can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. However, as indicated above, none of this information is shared with third parties.
Our site uses a third-party service to match browser cookies to your mailing address. We then use another company to send special offers through the mail on our behalf. Our company never receives or stores any of this information and our third parties do not provide or sell this information to any other company or service.” To opt-out of receiving our direct mail, you may send us an email at hello@ensurem.com, or call us at 844-847-3800, or send a written request to Ensurem Customer Service, 8560 Ulmerton Rd., Largo, Florida 33771. We will honor those requests, but please understand that it may take 7 days for such mailings to end.
LOCAL STORAGE OBJECTS
We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Various browsers may offer their own management tools for removing HTML5 LSOs. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your web browsing activity may use LSOs such as HTML 5 and Flash to collect and store information.
We partner with a third party to either display advertising on our Site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this Site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by changing your browser settings. Please note this does not opt you out of being served ads. You will continue to receive generic ads.
SOCIAL MEDIA (FEATURES) AND WIDGETS
Our Site may include social media features, such as the Facebook “Like” button, and widgets, such as the “Share this” button or interactive mini-programs that run on our Site (collectively, “Features”). These Features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the Feature to function properly, including during future visits to the Site. Features are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing the Feature and not by this Privacy Policy or us.
INFORMATION TRANSFER AND SHARING POLICY
GENERALLY
When you begin to provide personally identifiable information to us, you do so for the purpose of our providing you with the quote you requested. Federal and state laws provide limitations on the information practices of financial institutions, including insurance companies. Except as disclosed in this Privacy Policy, we do not share personally identifiable information collected from you on this Site with third parties for their direct marketing purposes.
OTHER USAGE AND OFFERINGS
As our business grows, from time to time we may seek to make available additional offerings and Services including those that may not be insurance-related. In doing so, we will strive to give our consumers choices about whether you would like to continue to receive future promotional or marketing communications from us either directly or on behalf of others whose offerings we think may be of interest to you. In identifying which offerings we think may be of interest to you, we may use and analyze information you have provided to us. If you choose not to receive such marketing communications, you may still receive certain relationship or transactional communications from us as described herein. We do not plan to sell, rent, or transfer your personally identifiable information to any third parties for any reason unless or except in connection with a merger, sale, or reorganization of our business as set forth elsewhere in this Privacy Policy.
PROTECTING OUR LEGAL RIGHTS AND OTHER’S RIGHTS
In certain situations, we may be required to disclose personal data (including PHI) in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We do not otherwise share personally identifiable information (or PHI) about consumers of our Site with third parties unless we believe using or sharing such information is appropriate to carry out a user’s request or if we have a good-faith belief that access, use, preservation, or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce our Terms of Use, including investigation of potential violations thereof, (c) detect, prevent or otherwise address fraud, security, or technical issues, or (d) protect against imminent harm to the rights, property, or safety of the Company, its consumers, or the public as required or permitted by law.
We reserve the right to disclose your personally identifiable information (including PHI) as required by law or when we believe that disclosure is necessary to protect our rights and/or comply with a legal or judicial proceeding or court order.
MERGER OR SALE OF COMPANY
If we should ever file for bankruptcy or have our assets sold to or merged with another entity, information that we receive from you through this Site may be treated as an asset of the Company and may be transferred to the fullest extent permitted by law.
MARKETING AND OTHER COMMUNICATIONS
When you submit information to us, you agree to receive email, fax, and other forms of communications from us and those to whom you have authorized us to forward your personally identifiable information. If you would like to opt-out of receiving promotional or marketing material from us in the future, please send your request to info@ensurem.com. Your decision to opt-out shall not preclude us from communicating with you regarding your existing or past relationship with us and shall not preclude us, including our employees and other agents, from accessing and using the information you have provided in a manner that is not personally identifying (such as in aggregate or anonymous form).
OPT-OUT
CALIFORNIA DO NOT TRACK DISCLOSURES
How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
– We currently do not respond to DNT signals in browsers because we do not track individual consumers across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit ensurem.com?
– No.
NOTICE TO CALIFORNIA RESIDENTS
In response to a California law, we will automatically treat accounts with California billing addresses as if you requested ensurem.com to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
Residents of the State of California may request a list of all third-parties to which this website has disclosed certain information during the preceding year for those third-parties’ direct marketing purposes. If you are a California resident and want such a list, please contact us at contact@ensurem.com
For all requests, you must put the statement “California Shine the Light Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that, while we will make a good faith effort to respond to and comply with your request, we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
NOTICE TO VERMONT RESIDENTS
In response to Vermont regulations, ensurem.com automatically treats accounts with Vermont billing addresses as if you requested that ensurem.com not share your information with nonaffiliated third parties, and that ensurem.com limit the information it shares with its affiliates. If ensurem.com discloses information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
NOTICE TO NEVADA RESIDENTS
WE ARE PROVIDING YOU THIS NOTICE PURSUANT TO NEVADA LAW. You may be placed on our internal “Do Not Call List” by e-mailing such request to info@ensurem.com. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us. For all requests related to the “Do Not Call List,” you must put the statement “Nevada Do Not Call Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that, while we will make a good faith effort to respond to and comply with your request, we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
NOTICE TO CONSUMERS OUTSIDE OF THE UNITED STATES
This Privacy Policy is intended to cover collection of information on our Site from residents of or persons located in the United States. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and privacy laws of the United States and other countries might not be as comprehensive as those in your country. By accessing our Site, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.
PROTECTING CHILDREN’S PRIVACY ONLINE
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide personally identifiable information (including PHI) through the Site. We do not knowingly collect information from children under the age of 13 without parental consent. Visit the U.S. Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that ensurem.com has received information from a child or other person who is not of majority age in their relevant jurisdiction, please contact us at info@ensurem.com. For all requests under this section, you must put the statement “COPPA Request” in the body of your request. Please note that, while we will make a good faith effort to respond to and comply with your request, we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
SMS OPT-OUT
You can cancel this service at any time. Just reply “STOP” to opt out and cancel the service. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us.
AFFILIATED WEBSITES, OTHER WEBSITES, AND ADVERTISEMENTS
This Privacy Policy applies to websites and services that are owned and operated by the Company. We do not exercise control over the websites of third parties that you may link to or view as part of a frame on a page on this Site. These other websites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. You should always be careful in how you use and share any sensitive personal information with any third party.
CUSTOMER TESTIMONIALS/REVIEWS
We may post customer testimonials/reviews on our Site, which may contain personally identifiable information. However, prior to posting any such testimonial/review, we will do obtain the providing customer’s consent.
AUTHORIZED CONSUMERS
This website is hosted in the United States and is intended exclusively for U.S. residents. In using this website you represent and warrant that you have any and all necessary authorization to submit the information contained in your requests, and that you expressly consent to the transfer, use, and forwarding by us of the information you provide to us through the website and to the United States.
SECURITY
No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure security on our systems and servers. We use secure server software and firewalls as part of our efforts to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by a breach of such firewalls and secure server software. By using our Site, you acknowledge that you understand and agree to assume these risks.
The security of your personal information is important to us. When you enter sensitive information (such as social security number, Driver’s license number, national ID, and PHI) into quote request forms, we encrypt that information using secure socket layer technology (SSL).
If we learn of a security system breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using this Site or providing personally identifiable information to us (including PHI) you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of this Site. We may post a notice on our Site if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify by e-mail at info@ensurem.com.
CHANGES AND UPDATES
We may occasionally update this Privacy Policy, and we expect that most such changes will be minor. When we make changes, we will also revise the “Updated” date set forth at the beginning of the Privacy Policy. If we should decide to change this Privacy Policy in a manner that we believe would cause us to use or share your previously provided personally identifiable information in a way that we think is materially broader or less privacy-friendly from what we have told you here, we will make reasonable efforts to obtain your consent. To do this we may notify you on the Site’s homepage or through this Privacy Policy, by email, or using other means and technology we think are appropriate prior to the changes being made effective. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting the personally identifiable information (including PHI) we collect. Your submission of a quote request and/or other use of this Site constitutes your agreement to this Privacy Policy and any updates.
CONTACTING US
If you have any questions, comments, or concerns about us or this Privacy Policy, please contact us via e-mail at info@ensurem.com, by phone at (884) 874-3800, or by U.S. mail at 8560 Ulmerton Rd., Largo, Florida 33771, Attention: Customer Service.
