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CHOICE DIRECT - 2018HEALTHCARE.COM

Privacy Policy



The 2018HealthCare.com website (hereinafter, the "Website") is owned and operated by Precise Leads, Inc. d/b/a Choice
Direct (hereinafter, "Company," "we," "us," and "our"). "You" means the person or persons who use or submit information on this Website.

 

Effective Date:  this privacy policy is effective March 22, 2018.

 

Our privacy policy ("Privacy Policy") explains how we use personal information, as defined below, and to give you assurance of our commitment to fair information practices and to the protection of your privacy as you visit and use the website (the "Website"). By using this Website, you accept and agree to this Privacy Policy, as well as the provisions of our  Material Disclosures  and  Terms and Conditions, which are incorporated fully by reference in this Privacy Policy. Please read all of our disclosures, terms and policies carefully before you use this Website.  If you do not agree with any provision of this Privacy Policy, do not use this Website.


BY USING THE WEBSITE, YOU EXPRESSLY REPRESENT AND WARRANT THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO THE TERMS OF THIS PRIVACY POLICY. IF YOU DO NOT UNDERSTAND OR DO NOT AGREE TO BE BOUND BY THIS PRIVACY POLICY, YOU MUST NOT USE THE WEBSITE.

We reserve the right to change our Privacy Policy without prior notification. If we do change it, we will post those changes on the Website.  Please review this page periodically for changes.

 

Purpose of Privacy Policy

We understand that you value your privacy and the right to control how your personal information is collected and used. Our data collection and retention practices are designed to provide transparency, accountability and choice regarding the management and use of your personal information. 

We also provide you with contact information should you wish to remove your personal information from our databases. 

Please carefully review our Privacy Policy in full. If you do not agree to our practices, please do not interact in any manner whatsoever with the Website or submit any personally identifiable information (as defined below) on this Website. 

Please contact us if you have any questions or comments about our privacy practices or this Privacy Policy. You can reach us via postal mail at the following address: 

Choice Direct - 2018HealthCare.com
2885 Sanford Ave SW #32002
Grandville, MI 49418

Any disputes relating to this Privacy Policy or Company's handling of your information are subject to this Privacy Policy as well as this Website's Terms and Conditions, including a mandatory arbitration provision and limitations on damages. Please review the Terms and Conditions carefully before using the Website as its provisions affect your rights and liabilities under the law 

Intended for Users in the U.S.A and Age of 18 years or Older
The Website is intended for users who reside in the United States of America and the Privacy Policy shall be interpreted under the laws of the United States. By submitting information on/via the Website, you explicitly accept, without limitation or qualification, the collection, use, and transfer of your information in the manner described in this Privacy Policy. Please read this Privacy Policy carefully as it affects your rights and liabilities under the law. 


THIS WEBSITE IS NOT INTENDED FOR ANYONE UNDER THE AGE OF EIGHTEEN (18) OR PERSONS RESIDING OUTSIDE OF THE UNITED STATES OF AMERICA.
1. Types of Information We Collect.

Personally identifiable information is information that can be used to identify, locate, or contact an individual. The personally identifiable information that we collect may include, but is not limited to: first and last name, complete mailing address, email address, telephone number (including mobile telephone number), date of birth or age, gender, marital status, social security number, and such other information that we may request from time to time (collectively referred to herein as "PII"). 

We may also collect certain non-personally identifiable information ("NPII") about you when you visit pages of this Website. This NPII may include, the type of browser or device that you use, your Internet Protocol ("IP") address, the type of operating system that you use and/or the domain name of your Internet service provider. An IP address is a unique identifier that a device uses to identify and communicate with on the Internet. 


2. How Your Information is Used and Shared.

We value your privacy and have taken the necessary precautions to be in compliance with relevant legislation, including, without limitation, the California Online Privacy Protection Act. 

 Information submitted by you on this Website will be shared, either directly or through intermediary agents and/or entities (including, lead aggregators and vendors to such businesses), with one or more third-parties, such as insurance carriers, insurance agencies, insurance brokers, service/product providers, marketers and/or affiliate companies (collectively, including intermediary entities, "third-parties"). One or more of these third-parties may pull consumer reports on you which may include your credit score and driving record. Your information may be verified or supplemented with additional information obtained from other sources. 

Following submission of your information, you may be redirected to a third-party website and/or contacted by us or a third-party. There is no guarantee that you will be accepted by an insurance provider or other service/product provider, and we do not endorse any provider. We do not have access to the terms of your insurance plan. Each insurance carrier has its own terms, conditions and policies. Always carefully review all terms and policies. For details, questions or concerns regarding quotes or policies, please contact your insurance carrier, broker or agent, directly. Eligibility may depend upon various factors. This service and offer are void where prohibited. Exclusions, limitation and conditions may apply. 

Company encourages third-parties to adopt and post privacy policies. However, the use of your information by third-parties is governed by the privacy policies of such parties and is not subject to our control. 
If you have any questions or wish to remove your information from a third-party's database, you will need to contact that third-party directly. 

Please carefully consider that third-parties may retain or use your information even if you do not use their services or obtain products/services from them. You should contact the third-parties directly concerning their privacy policies, which may differ from this Privacy Policy. 

Your information may also be used to send you Company, Company affiliate, and third-party promotional materials. Company and/or third-parties with whom your information may be shared, may target advertising to you by using direct mail, email, SMS text, telemarketing calls, targeted online banner advertising, applications and other means of communication to provide promotional offers. For more on how your information may be used by Company and/or third-party marketers, please see Section 3, below. 

Company may also use your information for data verification purposes, to resolve disputes, troubleshoot technical problems, enforce our agreements with you and to enable Company and/or third-parties to personalize your Internet experience. 

Company may share your information with third-parties who help us in the delivery of the services you have requested and to companies/individuals we employ to perform technical functions on our behalf. These companies and individuals may not share that information with any other third-party or use that data for any other purpose. 

Additionally, Company reserves the right to append your PII in an effort to provide you with the products and/or services you are interested in. 

Company and/or third-parties that either serve advertisements on our behalf and/or on behalf of others may also use technology information to match your information to make and improve profiles of you, to track your online browsing habits over time and across different websites on the Internet, to show you targeted advertising for products and/or services, and/or to determine which areas of the Internet are most frequently visited. 

By visiting and/or supplying your information at this Website, you also agree to allow us to provide aggregated anonymous data about you to third-parties so that they can understand the kinds of visitors to the Website and in order to offer you products and services. This includes demographic information and behavioral information. 


 

We may also share, disclose and/or transfer the information we collect from you to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In addition, in the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of such information in a transaction approved by the court. 

We may disclose any/all information if legally required to do so, or at our discretion pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. 

Company encourages third-parties to adopt and post privacy policies. However, the use of your information by third-parties is governed by the privacy policies of such parties and is not subject to our control. 

YOU MAY OPT-OUT OF RECEIVING ANY PROMOTIONAL COMMUNICATIONS FROM US BY CHOOSING NOT TO SUBMIT YOUR PERSONAL INFORMATION. IF YOU HAVE ALREADY SUBMITTED YOUR PERSONAL INFORMATION TO US AND WISH TO OPT-OUT AT A LATER DATE, YOU MAY DO SO BY WRITING US AT:

 

CHOICE DIRECT - 2018HealthCare.com, 2885 SANFORD AVE SW #32002, GRANDVILLE, MI 49418;

OR

BY FOLLOWING THE INSTRUCTIONS IN THE COMMUNICATIONS THAT YOU RECEIVE. 

 

Third Party Links

This Website may contain links to third party websites.  We make no representation regarding the content or accuracy of any website that you may access through this Website or with regard to any services or products that you may obtain through any linked website.  We do not monitor and are not responsible for the content found on other websites that are linked from this Website or for any third-party promotional communications that are sent to you.  Company does not imply endorsement, recommendation, or sponsorship for any linked website or the services, products, or advice described on or provided through the linked website, and Company shall have no liability whatsoever for the site's content, including its accuracy, subject matter, quality or timeliness, or an y personal information that you provide to such site.  Use of any linked third-party website is at your own risk.  The views opinions, statements, offers or other information or content expressed on linked third-party websites are those of the respective owner(s), author(s), or distributors(s) of those sites, not of the Company.

 


3. Email and Telemarketing.

By registering on this Website, you may also receive commercial email and/or telemarketing calls in response to your inquiry from Company or third-parties who receive your information as provided in this Privacy Policy. If you provide your express consent to receive calls or text messages, you may receive telemarketing calls or text messages at the phone number provided regarding products and/or services. 

Company may provide your information to third-parties for promotional offers by email, telephone, mobile device and/or SMS text (including, your lawful prior express written consent in compliance with the E-SIGN Act, by automated telephone dialing and/or artificial pre-recorded voice) at the number provided. Company has captured information to prove prior written consent was obtained from you, via an electronic signature. Specifically, we may have captured an IP Address, website pages which contain the consent language and fields, associated screenshots of the consent webpage as seen by you where your telephone number was inputted, complete data record submitted by you (with time and date stamp), or other identification sources. All collected information will be retained by the Company for a period of time as determined by the Company, which could be four years or longer, as required or permitted by applicable law. 

Separate lists may be maintained for different purposes. If you wish to end your inclusion in a particular list, you need only to follow the instructions at the end of each communication to unsubscribe from the particular list. 

You are not required to consent to such telemarketing as a condition of purchasing any property, goods or services; you may revoke such consent at any time. Standard text message rates may apply. 

Company is not responsible for third-party promotional communications sent to you.  You may "opt-out" of having your information used for certain purposes. You may remove your information from our database by contacting us directly. If you remove your information from our database it will no longer be disclosed to third-parties or used by us to send promotional communications to you. However, we may retain information necessary to establish your lawful consent to receive marketing messages, and third-parties may retain information they have received from us. If you do not desire to receive further telephone communications from a third-party you have a right to request that you be put on the third-party's Do-Not-Call list. 


4. Cookies, Web Beacons, Pixel Tags, Log Files and Online Behavioral Technologies.

The Website and email messages may contain first-party (Company-related) and third-party cookies, web beacons, pixel tags, browser analysis tools and web server logs that enable Company and/or third-parties to track your online behavior, collect information regarding your operating system and browser/device type, record what webpage or email you viewed, track the IP address of the device you use to interact with the applicable online service, record when you open or click on a particular online advertisement link or webpage, and additionally for other information gathering purposes such as the language your system uses and the country and time zone of your device. 

A cookie is a small file uniquely assigned to you by a webpage server when you visit a webpage or click on a link and can assist in associating your information to a unique profile. Cookies are stored in web server logs and also in web cookies kept on your computer, which are then transmitted back to us and/or third-parties by your computer. Information about your account, preferences, your use of the Website and your online browsing habits may be stored. Such information allows us and/or third-parties to recognize you when you return, and track and target your interests in order to provide a customized experience. They also assist with the detection of certain kinds of fraud. 

Some cookies are temporary, whereas others may be configured to last longer. "Session" cookies are temporary cookies used for various reasons, such as to manage page views. Your browser usually erases session cookies once you exit your browser. "Persistent" cookies are more permanent cookies that are stored on your computer even beyond when you exit your browser. Your browser preferences may be capable of being modified to accept or reject all cookies, or request a notification when a cookie is set. 

Pixel tags and web beacons are tiny graphic images placed on website pages or in emails that allow Company and/or third-parties to determine whether you have performed specific actions. When you access these pages or open email messages, the pixel tags and web beacons generate a notice of that action. These tools permit the measurement of responses to communications and improve related promotions. 

Log files include IP addresses, browser type, Internet service provider, referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer a website, track user's movement in the aggregate, and gather broad demographic information for aggregate use. 

As described herein, Company and/or third-parties collect many different types of information from cookies and other technologies, including, without limitation, what website you were visiting before you came to the Website, the website you visit after you leave the Website, and other activities of yours over time and across third-party websites and online services. 

The use of cookies by third-parties on the Website and in email messages is subject to the privacy policies of those third-parties and is not covered by this Privacy Policy. 


5. Google Analytics Advertising Features.

We and/or third-parties may employ Google Analytics advertising features that collect data about your traffic via Google advertising cookies and anonymous identifiers as well as data collected through standard Google Analytics implementation. We make every effort to adhere to Google Analytics Advertising policies. We will not facilitate the merger of PII with NPII collected through any Google advertising product or feature. We reserve the right to test, turn-on or turn-off any of the Google Analytics features from time-to-time without explicit announcement or disclosure. By utilizing certain Google Analytics Advertising Features, we are required to disclose the following information: (a) We and other third-parties may employ 
Google Analytics Display Advertising features; (b) We and other third-parties may use first-party cookies (such as the Google Analytics cookie) or other first-party identifiers, and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together; (c) You can opt-out of the Google Analytics Advertising Features used, including through Ads Settings, Ad Settings for mobile apps, or any other available means (for example, the NAI's consumer opt-out). 


6. Credit Implications.

We do not take applications for plans, coverage, or policies, or make credit decisions, however, third-parties may pull consumer reports on you which may include your credit score and driving record.  Such inquires may be shown on your consumer report and may have a negative impact on your credit score. 


7. Managing Your Privacy.

As described above Company and/or third-parties that either serve advertisements on our behalf and/or on behalf of others may use technology information to match your information to make and improve profiles of you, to track your online browsing habits over time and across different websites on the Internet and to show you targeted advertising for products and/or services. 

Because an industry-standard Do-Not-Track protocol has not yet been established, Company's information collection practices will continue to operate as described in this Privacy Policy regardless of any "Do Not Track" signals that may be sent by certain browsers or selected by you. However, you can visit www.cookiecentral.com and www.aboutads.info to learn more about this type of advertising and how to opt-out from receiving it from companies that participate in the Digital Advertising Alliance ("DAA") self-regulatory program. Opting-out, however, will not stop advertising from appearing on your browser. Rather, it may make the advertisements that you are presented with less relevant to your own personal interests. 

We believe that you benefit from a more personalized experience when we know more about you and what you like. However, you can limit the information you provide to us and thereby limit the communications that we and/or third-parties send to you. 

To prevent Company and third-party online tracking from cookies, web beacons and other technologies on a webpage, website, or within an email message, for example, banner advertisements, do not visit the Website, utilize a changing IP address and do not click on or interact with any advertisements or links. Visit cookiecentral.com and aboutads.info to read more about cookies, including how you can modify your browser preferences to accept or reject all cookies, or request a notification when a cookie is sent (for example, from within Internet Explorer, Firefox, Safari, Google Chrome). As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.

To prevent Company and third-party online tracking from cookies, web beacons and other technologies within an email message, unsubscribe from the email list using the unsubscribe link provided. 


8. Security of Your Personally Identifiable Information.

To prevent unauthorized access, maintain data accuracy and ensure the correct use of information we gather online, Company stores your PII in a database on secure systems. We have put in place appropriate physical, electronic and managerial security procedures to protect against the loss, misuse and alteration of the information under our control. 

Access to this information is strictly limited, and not accessible to the public. Only employees who need the information to perform a specific job are granted access to PII. Our employees are dedicated to ensuring the security and privacy of all user information, to the extent reasonably possible. Employees who do not adhere to our firm policies are subject to disciplinary action. 

But notwithstanding such measures, Company cannot guarantee that its security measures will prevent Company computers from being illegally accessed, and the data on them stolen or altered, and Company assumes no responsibility for such actions. You may request that your information be modified or deleted, as detailed herein. 

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your PII. Third-parties who receive your information are obligated by contract and/or applicable law to also protect your PII. However, Company is not responsible for the conduct of the third parties and does not warrant or guarantee the quality of their efforts, if any, to protect your information. 


9. No Information Collected From Children.

We will never knowingly collect any PII about children under the age of eighteen (18) years old. No information should be submitted to the Website by individuals under the age of eighteen (18) years old.  If we obtain actual knowledge that we have collected PII about a child under the age of eighteen (18) years old, that information will be immediately deleted from our database. 

Because we do not collect such information, we have no such information to use or to disclose to third-parties. Company has designed this policy in order to comply with the Children's Privacy Protection Act ("COPPA"). 


10. Links to Other Websites and Third-Party Privacy Practices.

Company may provide links to other websites for your convenience and information. These websites may have their own privacy statements in place. We are not responsible for the content of linked websites or any use of such websites. Once you leave this Website, you are subject to the privacy policy of any other website you visit.  Whether linked or not, you expressly acknowledge that other websites and/or websites of third-parties have their own privacy statements and personal information collection, use, and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by any/all third-party websites prior to providing them with information or taking advantage of an offer or promotion. 


11. Your California Privacy Rights

Under California's "Shine the Light" law", California residents who provide personal information in obtaining services or products for personal, family, or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with other businesses (third parties) for their own direct marketing use. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g., requests made in 2018 will receive information regarding 2016 sharing activities).

 

If you are a California resident and would like to make such a request, please contact Company here, or via mail at: Choice Direct – 2018HealthCare.com, 2885 Sanford Ave SW #32002, Grandville, MI 49418.

 

Please be aware that not all information sharing is covered by the "Shine the Light" law requirements and only information on covered sharing will be included in our response.



12. Changes to This Privacy Policy.

Company reserves the right to change or remove portions of our Privacy Policy at any time without prior notification. If Company changes this Privacy Policy, updates will be posted on the Website.
Please check the Website frequently to apprise yourself of any changes that may affect you. The posting of any changes will be the only notice that you will receive regarding any such changes. 


13. Privacy Inquiries or Complaints.

Company strives to keep all PII accurate and complete. You can request that PII be modified or removed from Company's databases, however, Company reserves the right to retain information necessary to establish lawful marketing consent. Information may also be withheld or exempted from deletion if this is required by law or is part of a fraud investigation. 


If you have any inquiries regarding our privacy practices, believe that we have not complied with this Privacy Policy, or would like to access and modify your PII, please write to us at: 

Choice Direct – 2018HealthCare.com
2885 Sanford Ave SW #32002
Grandville, MI 49418 

Please include detail of your questions, comments, or concerns and your complete name and contact information.


California residents may also file grievances and complaints with California Department of Consumer Affairs via mail at 400 R Street, Suite 1080, Sacramento, CA 95814 or by phone at 916-445-1254 or 800-952-5210 or by email to 
dca@dca.ca.gov