Privacy Policy

Updated January 1, 2020

What's new in this updated Privacy Policy? We updated our Privacy Policy applicable to our online websites and services to clarify our data collection, usage, and sharing practices and the choices you can make about how we collect and use your information. Please take the time to read the Privacy Policy in full. You consent to the data collection, use, disclosure, and storage practices described in this Privacy Policy when you use any of our services (as described below).

For QuoteLab, LLC, which does business as MediaAlpha ("we" or "us" or "MediaAlpha"), protecting your personal information is important to us. This Privacy Policy provides details on our information practices and the choices you can make about how we collect and use your personal information. MediaAlpha provides various online marketplaces connecting consumers with insurance agents, travel agents, and other companies ("Third-Party Partners") via the websites we own and operate ("Sites") and our webforms that are embedded in such Third-Party Partner websites ("Webforms"). See our list of the Third-Party Partners in our network to learn more about our marketplace.

While we do not provide quotes or rates for services directly to consumers, when you submit your information through our Sites or Webforms you are instructing us to share your information with those Third-Party Partners in our network to determine and present to you the most relevant services offered by such Third-Party Partners that may be of interest to you for a quote or rates. We are the Data Controller with respect to information collected on our Sites, information you enter into our Webforms that appear on Third-Party Partner's websites, information collected from you when you initiate a call to us or that we initiate (or our Third-Party Partners initiate on our behalf) to you with your consent, and any other information you choose to provide to us.

Please note that this Privacy Policy applies only to:

• information collected through the Sites that reference this Privacy Policy including Healthplans.com;
• information you enter into our Webforms that appear on Third-Party Partner's websites;
• certain limited information collected from you automatically regarding your interaction with our Third-Party Partner's websites as a result of a visit to our Sites, solely for attribution and optimization purposes;
• information collected from you during phone calls to us that you initiate or that we or our Third-Party Partners may initiate with your prior consent; and
• any other information you choose to provide to us.

This Privacy Policy does not apply to websites maintained by other companies or to which we may link (except for the limited situations set forth above), or to any information you may provide directly to a Third-Party Partner or other service provider who you are connected with through our service. The privacy policy of such Third-Partner or other service provider applies with respect to the information you provide to them.

Information We Collect and How We Use Your Information

How we collect and use your information (including your personal information) is as further described below. For each method of collection detailed below, we use the information you provide to us to provide our services to you, to communicate with you, to process your request, to understand how our services are used, to improve our services, and to comply with applicable laws.

Sites and Webforms. As mentioned above, when you complete an online form on our Sites or when you complete our Webform embedded on a Third-Party Partner's website we collect and use your information (including your personal information) to respond to your request for quotes and rates for products and services offered by such Third-Party Partners. For example, you may be asked to provide your name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services. Or you may be asked to provide home and destination airports and travel dates so that we can show you flight and hotel options. The categories of information you can provide to us through our Sites and Webforms depends on the nature of the Third-Party Partner's products and services for which you are requesting quotes or rates.

Automatic Collection. We may also collect other information from you through automatic means such as device type, browser type, IP Address (which is treated as personal information in some jurisdictions, but which we use only to identify your geographic area and to comply with applicable laws) or other demographic and usage information. To learn more about how we collect information through technology and automatic means and the choices you can make about how we can use and collect your information through automatic means, see "Information Collection Technologies and Cookies".

Telephone Calls and Email. We may collect information from you during phone calls that you initiate to us or that we or our Third-Party Partners may initiate (on our behalf) with your prior consent to you or when you send us correspondence by mail or email. The categories of information we collect from you or that you can provide to us through calls, mail, and email depends on the nature of the Third-Party Partner's products and services for which you are requesting quotes or rates and the purpose of your call, mail, and email to us.

Offline and Other Sources. In addition, we might receive information about you from other online or offline sources and we may combine such information with the information you have provided.

Information Sharing and Disclosure

We share the information we collect from you including personal information under the following circumstances:

Quote Requests. If you submit a request for price quotes or rates for Third-Party Partner's products or services, we will share the information contained in your request form (such as your name, address, telephone number, email, information about your cars, health, travel destination, etc.) with our Third-Party Partners, which may include agents, carriers, lead aggregators, and other service providers in our network, to process and fulfill your request. The information we share with such Third-Party Partners and the information you provide directly to such Third-Party Partners (see "Third Party Links" below) will be subject to their privacy policies and procedures. Please review such Third-Party Partner's privacy policy to learn more about their information collection practices and the choices you can make about how they collect and use your personal information.

Our agreements require Third-Party Partners to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these Third-Party Partners to comply with national, state, and other applicable privacy regulations. By submitting your request to us, you understand that we and our Third-Party Partners may contact you by telephone (including through automated calling or using recorded messages), text messages (SMS), email, or postal mail based on the information you provide to us, in order to process and fulfill your request or to market additional products and services that might be of interest to you.

You understand that by providing your information, you are agreeing to be contacted by us and our Third-Party Partners, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, or any similar mechanism to opt-out of receiving phone calls or email messages. If one of these Third-Party Partners contacts you and you wish not to be contacted again by that Third-Party Partner, then you should specifically make such a request with them (as noted above, see their privacy policy for how to exercise your choices with such Third-Party Partner). Please note that Third-Party Partners may maintain the information you provided via our Sites or Webforms whether or not you elect to purchase or use their services.

Service Providers. In order to provider our services to you we may share your information with our third-party vendors, suppliers, and service providers. As with our Third-Party Partners, our agreements require such vendors, suppliers, and service providers to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these vendors, suppliers, and service providers to comply with national, state, and other applicable privacy regulations.

Aggregate, Non-Personal, or De-identified Information. We may share deidentified aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with third parties to optimize their ability to reach their target markets.

As Required by Law. We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances whenever we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or as otherwise required by law.

Business Transfer. As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company would have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy Policy.

Information Collection Technologies and Cookies

To better serve our users and Third-Party Partners and to analyze and enhance the performance of our Sites, we use cookies and similar technologies to collect information about our users, such as your browsing behavior, links clicked, device type, and to collect various data, including analytics, about how you use and interact with our Sites and our advertisers.

To opt-out of the use of cookies on our Sites, you can change your browser options to stop accepting cookies or to prompt you before accepting cookies. Certain aspects of our service may be limited if you do not accept cookies. More information about cookies and other tracking technologies is available at allaboutcookies.org or youronlinechoices.eu.

Do Not Track. Some web browsers may transmit "do not track" signals. We do not take action to respond to do not track signals available on some browsers. This is because web browsers may incorporate or activate these features differently, making it unclear if users have consciously activated them. As a result, at this time we do not take steps to respond to such signals. You can manage your cookie preferences using your own browser settings to accept or block some or all cookies or receive notice so you can consent to cookies. If you block all cookies some features of our Sites may be unavailable or limited.

Special Note for European Visitors. In connection with the effectiveness of the General Data Protection Regulation (GDPR) in the European Economic Area (EEA), MediaAlpha has determined to eliminate or limit the use of cookies and similar technologies with visitors from the EEA (excluding our corporate Site at www.MediaAlpha.com, which continues to use cookies for all users with proper consent (see more information below)). Specifically:

• If you visit a Third-Party Partner's site that uses our services, we will not place any cookies on your device unless such Third-Party Partner has obtained your consent and provided you with notice of our privacy practices and your ability to opt-out at any time.
• We will not seek your consent to use cookies in this instance, though the publisher of the site may do so.
• If you visit one of or our owned and operated sites, we will only place limited third-party cookies, such as those made available for analytics purposes by Google and Bing.
• In this case, we will seek your consent to use these third-party cookies and will only do so after you indicate your consent. If you do not consent, then no cookies will be written to your device.
• If you are visiting our corporate Site, MediaAlpha.com, for the first time, or the first time after we make a material change, we will seek your consent to use cookies.

If you do not consent, you will still be able to use the Site, but certain functionality may be limited. To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to the GDPR, but we have nonetheless used cookies in connection with your visit without consent - which may be due to a failure of the third party geolocation tools; your use of a proxy server, your location outside of the EEA at the time of your visit; or some other factor beyond our control – please notify us at dpo@mediaalpha.com with any relevant details so that we can ensure proper treatment of your data under GDPR.

Emails

By providing your contact information to us, you are registering to receive communications from us directly or through a third-party. If you provide your e-mail address and request to be added to any of our travel deal or other mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify MediaAlpha or one of our branded sites as the sender. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at info@mediaalpha.com. You may also opt-out by clicking on the unsubscribe link in our emails.

Third-Party Advertisers

Please note that we only control our own mailing list and policies. Third-party advertisers that maintain their own mailing lists may send communications that advertise our services. You would need to contact these parties directly in order to stop receiving their email communications.

Confidentiality and Security

The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who need the information to provide requested products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your personal information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records for our partners.

Third-Party Links

This Privacy Policy applies to all information that you provide to us. However, when you visit links from our Sites, keep in mind you will be interacting with a third-party that operates under its own privacy and security policy. If you choose to obtain services through a third-party site, the data collected by the third-party is governed by their privacy policy. A third-party site should also have its own policy regarding the use of cookies and other tracking technologies. We encourage you to review the policies of any Third-Party Partner from whom you request services.

A Special Note about Children's Privacy and Children's and Other Family Member's Information

You must be at least 18 years old to use this website. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our websites only in conjunction with your parents or guardians. Please see our Terms of Use for more information. In some instances, our Sites allow you to submit information about other members of your family including your children in order to process your request for a quote (see "Quote Requests"). When you submit such information to us you represent and warranty that you are authorized to submit such information to us to process your request and for it to be used by us and our Third-Party Partners as outlined in this Privacy Policy and, with respect to Children's information, you are the parent or guardian of such child.

Updating, Obtaining, or Removing Your Information

Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To obtain, modify, correct, change, update or remove your personal records from our database, please send your request via email to our Data Protection Officer at dpo@mediaalpha.com. We may ask you for additional information to verify your request before providing any personal information to you or to process your request to update or remove your personal information. If you are a California or Nevada resident, see the Special Notice to California Residents and the Special Notice to Nevada Residents below for additional information on your rights and choices in managing your personal information.

Special Notice to California Residents

If you reside in California, we are required to provide additional information to you about how we use and disclose your information and any additional rights with regard to how we use your information. We have included this California-specific information below.

Shine the Light. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at dpo@mediaalpha.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.

Uses and Disclosure of Your Information.

Consistent with the "Information We Collect and How We Use Your Information" section above, we collect certain categories and specific pieces of information about individuals that are considered "personal information" in California. As detailed above, we may collect this personal information from you and other third parties. We collect, share, and disclose personal information for business and commercial purposes as described in the "Information We Collect and How We Use Your Information" and "Information Sharing and Disclosure" sections above.

Rights regarding your information:

Access, Deletion, and Information. Subject to certain exceptions, as a California resident, you have the right to: (i) access your personal information; (ii) obtain deletion of your personal information; and (iii) receive information about the categories of personal information about you that we have "sold" (as that term is defined under California law) to third parties and also that we have disclosed for business purposes. To exercise these rights:

• Please visit the "Updating, Obtaining, or Removing Your Information" section for more information on how you can exercise these rights. We may ask you to provide us with additional information to verify your request.
• You may also contact us at 1-833-549-0351 for assistance in exercising your California rights described above.
• Should you wish to request the exercise of these rights as detailed above, we will not discriminate against you by showing you different products or services based solely upon this request. Kindly note, however, since certain Third-Party Partners require additional data before providing quotes, rates, or other information, exercising these rights may limit the number and range of Third-Party Partners who are displayed in response to your request.

Do Not Sell My Personal Information. Some of our sharing activities may be considered a "sale" of personal information under California law. This includes when we share information collected from cookies and similar tracking technologies (such as how you interact with our Sites and our Third-Party Partners' websites) with our Third-Party Partners and third party service providers in order to create user profiles and present Third-Party Partners' products and services to you and relevant advertising messages based on your preferences and other information we have collected from you. Subject to certain exceptions, as a California resident, you may opt-out of the sharing of your personal information we collect through our Sites and Webforms through the use of cookies and similar tracking technologies by changing your browser options to stop accepting cookies or to prompt you before accepting cookies to opt-out of the collection and sharing of your information. To learn more see "Information Collection Technologies and Cookies".

Keep in mind that, if you opt out of the collection and use of information via cookies and other tracking technologies, you may still see customized advertising displayed by advertising networks from which you have not opted out. In addition, your opt-out will not prevent any advertising network from displaying advertising that is not customized to you and your interests and, consequently, may be less relevant to you. Please also note that you will need to make such choices on each browser and device you may use to visit our Sites.

If you wish to put on file with us your preference to opt-out of our sharing of your personal Information with third parties for such third parties' direct marketing purposes or to find out more about your opt-out rights, please see our "Do Not Sell My Personal Information" form or call us at 1-833-549-0351.

Special Notice to Nevada Residents

Subject to certain exceptions, some of our data sharing practices may be considered a "sale" of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out of the "sale" of personal information covered under the statute, by exercising your cookie consent options as detailed in the "Information Collection Technologies and Cookies" section above or by completing our "Do Not Sell My Personal Information" form or call us at 1-833-549-0351.

Visitors outside the United States

This Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. The data protection and other laws of the United States might not be as comprehensive as those in your country. By visiting our Sites or using our services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your country of residence.

To the extent the laws of another jurisdiction apply to your data or use of the Sites, we will comply with such laws.

Questions and Suggestions

If you have any questions, concerns, or suggestions about our Privacy Policy, you may contact us by sending an email to info@mediaalpha.com or by mail at:

MediaAlpha
700 S. Flower St., Suite 640
Los Angeles, CA 90017

Changes to this Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice of such changes on the Sites. However, you should check this Privacy Policy whenever you use any of our Sites to ensure you are aware of our current privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Sites after we have posted any changes indicates your agreement to the changes.

Terms of Use

The following terms and conditions (the "Terms of Use") govern your use of the services offered through Healthplans.com (collectively, the "Site"). By using the Site, including requesting quotes for insurance, by calling our toll free number, initiating a request for us to contact you by telephone, signing up to receive news and information by providing your email address, or any other means we might make available, you accept and agree to these Terms of Use. If you do not agree to these Terms of Use, you are prohibited from using or accessing the Site. The terms "we," or "us," refer to QuoteLab, LLC and its subsidiaries and affiliates.

Our Service

Healthplans.com provides you the opportunity to obtain quotes from insurance carriers and other service providers. Once you provide us with certain information regarding your insurance needs, we attempt to match you with appropriate offerings and provide links to further information or to apply for coverage. While we publish content on the Site about insurance, we do not provide tax or financial advice of any kind. We do not guarantee that any policy for which you apply will be approved, or that any insurance carrier or other service provider to which we link will review your application or contact you. We are not responsible in any way for the conduct of the insurance carriers and other companies whose products may be displayed on the Site. The policy provided by any insurance provider will be subject the terms and conditions under which it issued, and we have no control over such terms and conditions. While we make every attempt to publish current information regarding a variety of insurance offerings, such information is presented without guarantee or warranty. After selecting a link to an insurance carrier or other service provider, you will be taken to such party’s site where you can review the \ applicable terms and conditions.

Accessing our Site

You may only use the Site if you live in the United States and are at least 14 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. We do not charge users for use of the Site.  We may be compensated by insurance carriers or other companies advertising on the Site.

User Data; Consent to Contact

In the course of your use of the Site, you may be asked to provide information or materials to us ("User Data"). User Data includes, for example, information you submit to us via your request for insurance quotes. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy {Add Link} before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms of Use.

By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at info@mediaalpha.com. You may also opt-out by clicking on the unsubscribe link in our emails.

Exclusive Ownership of Rights

The Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by intellectual property laws in applicable jurisdictions. You acknowledge and agree that information and materials presented through the Site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly permitted by applicable law or as authorized by us, you agree not to modify, sell, distribute, transmit, broadcast, publicly perform or create derivative works based on the Site, in whole or in part. Any commercial use of the Site, or any portion thereof, by you is strictly prohibited.

QuoteLab, LLC grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other Internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Site. You agree not to modify the Site in any manner or form, nor to use modified versions of the Site for any purpose. We do not grant any license or other authorization to any user to use our trade names, trademarks, service marks or other marks or logos or those of our partners without our separate express written agreement. Third party marks are the property of their respective owners.

Any questions, comments, suggestions, or materials submitted to us through the Site will become our sole property. We will own all rights in such materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.

DISCLAIMER OF WARRANTIES

The information and services on this Site are provided "as is" and for informational purposes only. We make no representations or warranties that the Site will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. We disclaim all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose or non-infringement of the rights of others. We do not warrant that the Site will be free of errors or viruses, worms or other destructive or harmful code.

LIMITATION OF LIABILITY

IN NO EVENT SHALL QUOTELAB, LLC, ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISIDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.

Links from our Site

We accept advertising from and provide links to other sites for informational purposes only. We have no responsibility for the accuracy or availability of information provided by other sites to which you may link from the Site. The availability of these links does not constitute an endorsement of or association with such sites or the content, products, advertising or other materials presented on such sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods or services available on such sites.  You further acknowledge that we have no control over, and we assume no responsibility for, the content, privacy policies, or practices of any third party sites and third party content contained on the Site, to which the Site is linked, or on which Site Content is posted.

Updates

These Terms of Use are subject to change from time to time and at any time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications to the Terms of Use signifies your acceptance of such modifications.

Applicable Laws

The Site and these Terms of Use are governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision of these Terms of Use shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of California. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Updated October 2017.