Effective March 1st, 2009
This website is owned and operated by zenmedicare.com. zenmedicare.com is a leading online source of information for people seeking to learn more about their insurance options. zenmedicare.com also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service (hereinafter “Service” or “Services”) is free for consumers.
Services Offered By zenmedicare.com
zenmedicare.com works with a nationwide network of insurance professionals. When you use our Service, we will attempt to match you with professionals who are qualified to provide you with the insurance information you have expressed interest in. The professionals you are matched with may contact you with information and offers for the services you have expressed interest in. Please note that you have no obligation to accept any offer.
zenmedicare.com is not an insurance agency. We are solely a referral service for connecting consumers with qualified professionals.
Information Collected By zenmedicare.com
zenmedicare.com uses this website to collect two (2) kinds of information: personally-identifiable information and non-personally-identifiable information.
When you use our Service you are authorizing the sharing of your inquiry and your personal information with other businesses who provide services that match your inquiry. The personal information we collect may include, but is not limited to:
- Email address
- Phone number
- Demographic information
- Health information
- Other financial information
Please note that by submitting your information to us, you are also authorizing insurance agents and businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls and email regardless of whether you are on any Federal or state DNC (“Do Not Call”) and/or DNE (“Do Not Email”) list or registry.
While you are visiting this website, our hosting service will automatically track information that may include:
- IP addresses
- Referral information
- Browser details
- Number of page views
- Number of repeat visits
- Internet Service Provider
- Region or geographic location
How Information Is Collected
We only collect your personally-identifiable information when you choose to share it with us. We will not collect any personally-identifiable information without your consent.
We follow generally accepted industry standards to protect the personal information submitted to us, including SSL (Secure Sockets Layer), both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100 percent secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a health plan but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.
If you no longer wish to receive our newsletter and promotional communications from zenmedicare.com or our affiliated marketing partners, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at email@example.com or writing to the address below:
Any personally identifiable information you submit in our blog comments or forum can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in blog comments or forums.
How Information Is Used – Personally-identifiable information:
If you choose to give us personally-identifiable information, we may share this information with a network of insurance professionals to help answer your questions, fulfill your request, or for any purpose in our sole discretion. We may also share your personally-identifiable information with selected third parties to offer you products or services that we think will interest you. The professionals we match you with may contact you by phone, email, or mail to fulfill your inquiry and provide you with other offers you may be interested in. The personally-identifiable information we share with selected third parties includes name, e-mail address, phone number, and/or postal address. If you do not want us to share this information with other companies or organizations, please let us know by following one of the methods for opting-out of our communications.
The professionals in our network may include, but are not limited to, insurance agents, discount program representatives, and other financial services brokers.
In addition, you may be contacted by zenmedicare.com’s Consumer Protection or Quality Assurance departments in order to verify information you submitted or to collect additional information from you about your experience using our Service.
You should be aware that we have no control over how other businesses with which we share your information may use it, or whether they will sell or share your information with third parties.
In addition, we may provide you with a free subscription to one of our newsletters. You may unsubscribe to these newsletters and any other correspondence or offer from zenmedicare.com at any time.
Please note that we have no control over and cannot be held responsible or liable for the privacy policies, if any, of our third-party partners. This includes third-party websites that link to zenmedicare.com, third-party websites linked from zenmedicare.com, any insurance agent or financial professional in a network that we match you with, any third-party network to whom we forward your information, or any member of such third-party network.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Website.
Prospective business partners and affiliates:
The information you submit to zenmedicare.com’s affiliate and/or referral program may be used to qualify you for participation in affiliate and/or referral programs.
Our website development team uses non-personally-identifiable metrics to improve the content, layout, navigation, and overall site experience for all visitors. We may analyze traffic patterns and statistics to improve this site, provide additional services, and better serve our visitors.
The cookies we use collect non-personally identifiable information in order to provide data including, but not limited to, the amount of time spent on our Website and the pages visited.
Our website uses both session ID cookies and persistent cookies. A session ID cookie is used to make it easier for you to navigate our site and expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time.
Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. We also use persistent cookies to denote a user’s repeat visit within 60 days, which is commonly known as a 60-day persistent cookie.
You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited.
zenmedicare.com is committed to be compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.
You may “opt-out” of any communication from zenmedicare.com at any time. Use the “unsubscribe” link at the bottom of any email you receive from zenmedicare.com, and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list.
Occasionally zenmedicare.com will partner with a third party email server who may provide additional relevant email advertisements to our consumer’s requests.
Unsubscribing from communications from zenmedicare.com does not guarantee that you will no longer receive communications from our third party partners; you must contact that third party directly.
Be advised that we cannot control the policies of our third party partners, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.
Links to Other Websites
Information from Minors
zenmedicare.com does not knowingly solicit or collect information from anyone under the age of 13.
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at firstname.lastname@example.org or by contacting us by telephone or postal mail at the contact information listed above.
Changes to This Policy