Privacy Policy

At MediaAlpha, protecting your personal information is a top priority. This Privacy Policy provides details on how we treat your personal information. QuoteLab, LLC, which does business as MediaAlpha ("we" or “us”), is the Data Controller with respect to information collected on the websites we own.

Please note that this Privacy Policy applies only to:

• information collected through this website, Healthplans.com, along with any other website owned and operated by MediaAlpha (the “Sites”);
• information you enter into our forms appearing on third-party websites;
• certain limited information regarding your interaction with advertiser sites following a visit to our Sites, solely for attribution and optimization purposes;
• information obtained during phone calls to us that you initiate, or that we or our 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 situation set forth above), or to any information you may provide directly to an insurance agent or carrier, travel agent, or other service provider who you are connected with through our service.

Information We Collect and Use

We collect and use personal information about you to respond to your request for products and services offered through the Sites. Specifically, we collect information provided by you in connection with obtaining price quotes or rates. 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.

We may also collect other information such as gender, zip code, or other demographic information that is not tied to your personal information. Included in this demographic information is your IP address, which is treated as personal information in some jurisdictions, but which we use only to identify your geographic area and for legal compliance purposes.

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

Information Sharing and Disclosure

We share personal information about you under the following circumstances:

Quote Requests. If you submit a request for price quotes for insurance products or other products or services, we will share the personal information contained in your request form (such as your name, address, telephone number, email, information about your cars, travel destination, etc.) with third parties, which may include agents, carriers, lead aggregators, and other service providers in our network, to process and fulfill your request.

Our agreements require service providers to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these service providers to comply with national, state and other applicable privacy regulations. By submitting your request to us, you understand that service providers may contact you by telephone (including through automated calling or using recorded messages), email, or regular mail based on the information you provided to us, in order to process and fulfill your request, 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 the service providers contacts you and you wish not to be contacted again by that service provider, then you should specifically make a request of them. Please note that service providers may maintain the information you provided whether or not you elect to use their services.

You can find a list of service providers currently in our network here.

Aggregate, Non-Personal, or De-identified Information. We may share 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

To better serve our users and service providers 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.

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. Specifically:

• If you visit a third-party site that uses our services, we will not place any cookies on your device.
• 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.

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. In addition, if you provide your personal information to a service provider in our network, any use of your information by that service provider will be subject to their privacy policies and procedures. 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 other service provider from whom you request services.

A Special Note about Children's Privacy

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.

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 will require that you prove your identity before providing any personal information.

Special Notice to California Residents

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.

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 residence country.

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, unless you notify us otherwise.

Your Agreement

By using this Site, you are agreeing to the terms of this Privacy Policy. If you do not agree to this policy, please do not use any portion of our Sites.

Updated May 2018

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.