Privacy Policy

1. Introduction

Private PPO Quotes ("we," "our," or "us") operates this website for the purpose of connecting consumers with licensed health insurance agents and carriers. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and submit information through our lead generation forms.

By using our website and submitting your information, you consent to the data practices described in this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our website or submit your information.

2. Information We Collect

2.1 Personal Information

We collect the following personal information when you submit our lead generation form:

• First Name
• Phone Number
• Zip Code
• Email Address (if provided)

2.2 Automatically Collected Information

We may automatically collect certain information about your device and browsing behavior, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website addresses
• Date and time of visit

3. How We Use Your Information

We use the information we collect for the following purposes:

• Lead Generation: To connect you with licensed health insurance agents, brokers, and insurance carriers who may contact you to provide quotes and information about health insurance products and services
• Communication: To contact you via phone, email, or text message regarding health insurance options, quotes, and related services
• Service Improvement: To analyze website usage, improve our services, and enhance user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and other harmful activities

4. Information Sharing and Disclosure

IMPORTANT: By submitting your information through our website, you expressly consent to the sharing of your personal information with third parties for lead generation purposes.

4.1 Third-Party Sharing

We share your information with the following types of third parties:

• Licensed Insurance Agents and Brokers: We share your information with licensed health insurance agents and brokers who may contact you to provide quotes and information about health insurance products
• Insurance Carriers: We may share your information with health insurance carriers and companies that offer health insurance products
• Lead Generation Partners: We may share your information with trusted third-party lead generation companies and marketing partners
• Service Providers: We may share your information with service providers who assist us in operating our website, conducting business, or serving users

4.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities.

5. TCPA Consent and Text/Phone Communications

TELEPHONE CONSUMER PROTECTION ACT (TCPA) CONSENT:

By submitting your phone number through our website, you expressly consent to receive:

• Automated telephone calls, including prerecorded messages and/or automated dialing systems, from us and our partners
• Text messages (SMS) from us and our partners regarding health insurance products and services
• Live telephone calls from licensed insurance agents, brokers, and carriers regarding health insurance quotes and information

You are not required to provide this consent as a condition of purchasing any property, goods, or services. You may revoke your consent at any time by contacting us or by replying "STOP" to any text message you receive. Standard message and data rates may apply.

You understand that your consent is not required to make a purchase, and you may opt out at any time.

6. CAN-SPAM Act Compliance

If you provide your email address, you consent to receive commercial emails from us and our partners regarding health insurance products and services. You may opt out of receiving these emails at any time by:

• Clicking the "unsubscribe" link in any email you receive
• Contacting us directly to request removal from our email list

We will honor your opt-out request within 10 business days. Even if you opt out of marketing emails, we may still send you transactional or administrative emails related to your use of our services.

7. Florida-Specific Disclosures

This website operates in compliance with Florida state laws regarding lead generation and insurance marketing. Florida residents have the following additional rights:

• Florida Insurance Code: All insurance agents and brokers who contact you must be licensed in the State of Florida
• Do Not Call Registry: If you are on the Florida Do Not Call Registry, you may still receive calls from licensed insurance agents if you have provided your information to us, as this constitutes an "established business relationship" or you have provided express consent
• Right to Opt Out: You have the right to opt out of future communications at any time

8. Health Insurance Lead Generation

IMPORTANT NOTICE: This website is a lead generation service. We are not an insurance company, insurance agency, or licensed insurance agent. We do not sell, solicit, or negotiate insurance products. We connect consumers with licensed insurance professionals who may contact you to provide quotes and information about health insurance products.

The health insurance products and services offered by third parties are not affiliated with or endorsed by the Affordable Care Act (ACA) marketplace. Coverage availability, terms, and pricing vary by state and are subject to underwriting approval.

9. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

10. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request access to the personal information we hold about you
• Correction: You may request correction of inaccurate or incomplete information
• Deletion: You may request deletion of your personal information, subject to legal and contractual obligations
• Opt-Out: You may opt out of receiving marketing communications at any time
• Do Not Sell: You may request that we do not sell your personal information (if applicable under state law)

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

11. Children's Privacy

Our website is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

For questions about health insurance products or services, please contact the licensed insurance agent or carrier who contacted you directly.

14. Consent

By using our website and submitting your information, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.