Privacy Policy

FindAffordableCare.org (this “Website”) is owned and operated by Find Affordable Care ("Company" "we" or "our"). We are committed to advising you of the right to your privacy and strive to provide a safe and secure user experience. This Privacy Policy explains how we collect, store and use personal information, provided by you on or through our Website.

This Website is not intended for anyone under the age of eighteen (18). By accessing and using our 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. If you disagree with the way we collect and process information, please do not use this Website.

1. Scope of Policy.

This Policy applies to this Website as well as all webpages Company hosts. It regulates the processing of information relating to you and grants both of us various rights with respect to your personal information. It also informs you of how to notify us to stop using your personal information.

2. Types of Information We Collect and How We Use.

2.1. Personal information is information that can be used to identify you or any other individual to whom the information may relate. We collect personal information about you when you visit and use our Website, including when you subscribe to receive communications from us or contact us through the Website; when you open and/or click on email communications including advertisements and newsletters; and when you request to unsubscribe from receiving email advertisements, newsletters, or other communications from us. No sensitive health information is collected through the Website - we do not collect information about past, present or potential future medical conditions or treatments.

Information collected through the Website may include your first name; last name; email address; home address and zip code; date of birth; phone number; IP address; device identifier; probabilistic identifiers; education; employment status; employment history; gender; products or services purchased, obtained, considered, or other purchasing or consuming histories; personal and online interests; domain name; mobile and/or operating device identifier; computer operating system; web browser type and version; browser history; date/time stamp of your visit; source URL/referring and exit pages; clickstream data; internet service provider; mobile phone carrier; behavioral data (opens, clicks); user-specific and aggregate information on areas of the Website used; geographic region based on IP address and/or web browser type; time zone; and area code and zip code associated with your web server; inferences drawn from any of the above information; or other information which you provide to us during the registration process or though the course of communicating with us about the services provided on our Website or through other means of communication, such as responses, registrations, sweepstake entries, surveys, reviews, comments, confirmations, emails, postings, messages, telephone calls, written correspondence or other electronic submissions and communications sent by you to the Website. We may collect this same information about all other persons when you provide it to us.

We use the information we gather on our Website to provide you with the services and or products you have requested. This includes passing your information on to a third party to provide such services or products. We do not control the privacy practices of third parties. If you have any questions or wish to remove your information from the third party databases, you will need to contact that party directly. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our Website, connect you with advertisers and sponsors on our Website and deliver the prizes if you participate in and win one of the sponsored sweepstakes.

2.2. We may also collect personal information through the use of cookies, persistent identifiers, email opt in, search engine keywords, web beacons, and JavaScript, as further detailed below. Generally, we as well as third party service providers and supporting advertisers using our Website use technologies such as cookies, web beacons, pixel tags, mobile ad identifiers, and JavaScripts. These technologies collect internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Website, track user movements through our Website, and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis.

“Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our Website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our Website. You can disable cookies, although our Website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com. To disable and reject cookies, adjust the settings via the options menu of your Internet browser. However, please note that in order to use all of the features and functionalities of our Website, you need to accept cookies. Unless otherwise required by law, we do not guarantee that we will respond to such Do Not Track signals. We may acquire additional personal information from third parties, including through the use of third party cookies.

We also use electronic images known as web beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the web beacon resides. We may also use web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.

We also use JavaScript. JavaScript is a computer language that enhances the functionality of websites, particularly with respect to pictures. We use it to analyze and improve our Website’s functions. You may deactivate JavaScript through your browser settings or activate it the same way. If you disable JavaScript, you will not be able to use some of the functions of our Website.

In addition to the above, we also collect personal information through internet service providers, data analytics providers, operating systems and platforms, and consumer data resellers/brokers.

2.3. No Information Collected from Children: we will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected personal information about a child under the age of 13, that personal information will be immediately deleted from its database.

3. Disclosure of Information to Third Parties.

We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We will share your personal information with third parties only in the ways that are described in this privacy policy. If applicable, we share your personal information with third parties who help us with delivery of the prizes if awarded by the third party sponsor. We also share your personal information with third party service providers we utilize to perform technical functions on our behalf. Examples include third parties who host our Website, analyze our data and the Website, provide marketing assistance, and provide customer service. We also share your personal information with third parties to provide you with their opportunities, products or services, and so they may determine whether you might be interested in their products or services. We share your personal information with our marketing partners, including offline marketing companies and internal online data marketing companies, for lead generation purpose and sending email communications. We also share aggregated anonymous information about you, combined with other persons using our Website with third parties, so that they can understand the kinds of visitors that come to our Website, and how those visitors use our Website. We may also disclose your personal 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. Lastly, we may disclose and transfer your personal information 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 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.

4. Third Party Collection and Use of Information.

Third parties collect and use information about you on or through our Website in the following way:

4.1. Advertisers, advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own cookies, web beacons, and other technology, to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you. We have no access or control over the cookies and practices of those third parties and are not responsible for their technology or tracking. We have no responsibility or liability for the policies and practices of these third parties. We encourage you to review the policies of such third parties through their websites.

4.2. Hyperlinks. Our Website and email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such third party websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third party websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization. We have no responsibility or liability for the policies and practices of these third parties. We encourage you to review the policies of such third parties through their websites.

4.3. Analytics. As described above, we use third parties to monitor analyze and report on the traffic to, from and within our Website and email messages.

5. Individual Choice and Access.

If you do not wish to receive marketing and promotional communications from us, please follow the opt-out instructions provided in our communication or contact us. You may request access to personal information we have about you by contacting us as described below.

6. Storing and Processing Your Information.

This Website is intended to be used in the United States only. The Website is controlled and operated from the United States, and is not intended to subject Company to the laws or jurisdiction of other country, except for the United States. This Privacy Policy is provided in accordance with and subject to applicable United States law.  If you decide to continue to access the Website from a location outside of the United States, you hereby agree that your use of the Website is subject to this Privacy Policy and that your personal information will be transferred or processed in the United States. Your information may be collected, accessed, processed and stored in the United States as well as in any other country where we, our affiliates, service providers, or our third party partners maintain facilities. By using the Website, you consent to the transfer of such information to countries outside or your country of residence, which may have different data protection rules than those of your country.

7. Security.

We endeavor to safeguard and protect your information. When you submit information on our Website, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our Website is at your own risk. However, access to your information is strictly limited and not accessible to the public.

8. Your California Rights.

This section is specific and applies only to web visitors who are California residents, under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations.

8.1. California residents have the right to receive, once a year, information about third parties with whom we have shared information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared.

8.2. As stated in this Privacy Policy, you have agreed to allow us to share information with third parties for their direct marketing purposes until you remove your information; and thus, you have agreed to this disclosure. California customers may request further information about our compliance with this law by sending us an email using the Contact us form. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

8.3. Under the California Consumer Privacy Act of 2018 (“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection, disclosure, and sale practices are detailed below, in addition to instructions on how to exercise your rights regarding your personal information.

What Personal Information Do We Collect?

We collect, and have collected personal information about our visitors in the preceding 12 months as summarized below:

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