Privacy Policy

ChristianPlans.com has created this Privacy Policy to show its firm commitment to your privacy. This Privacy Policy does not apply to web sites maintained by other companies and organizations to which we link or which link to us. This Privacy Policy will be updated from time to time, and the most updated version can always be found at this URL.

ChristianPlans.com is dedicated to ensuring the security and quality of your visit. The policy below explains how we may apply and secure your information.

ChristianPlans.com is not a licensed insurance carrier. Any information that you provide us with does not pre-qualify you for insurance.

INFORMATION WE COLLECT AND HOW IT’S USED

There are two types of information that we collect: non-specifically-identifiable information that is collected in aggregate (information about how users interact with the website) and personal information that you choose to provide to us.

Disclosure: By submitting a quote request, you represent that you are at least 18 years of age and agree to our Terms of Use and Privacy Policy. You authorize ChristianPlans.com and/or its partners to contact you even if you are on a federal or state Do Not Call Registry. You acknowledge that you may be contacted via emails, automated telephone dialing systems, live operators, pre-recorded messages and/or text messages to your mobile or landline phone by up to (8) organizations for the purpose of receiving health insurance quotes. Your phone carrier’s data and message rates may apply. Consent is not required as a condition of purchase.

SPECIAL NOTE FOR DO NOT CALL LIST REGISTRANTS

BY SUBMITTING PERSONAL INFORMATION TO US, YOU AUTHORIZE CHRISTIANPLANS.COM AND ITS PARTNERS, AFFILIATES, SUBSIDIARIES, AND CLIENTS TO CONTACT YOU VIA E-MAIL OR TELEPHONE IN ORDER TO PROCESS AND/OR FULFILL YOUR REQUEST, EVEN IF YOU ARE REGISTERED ON THE NATIONAL DO NOT CALL LIST OR ANY EQUIVALENT STATE DO NOT CALL LIST. YOU WILL BE CONTACTED AT THE PHONE NUMBER YOU PROVIDE TO US, REGARDLESS OF WHETHER IT IS A CELLULAR PHONE OR A LAND LINE.

PERSONAL INFORMATION

ChristianPlans.com does not collect personal information about you unless you voluntarily provide it. If you decide to submit personal information to us, we may use it to fulfill your request for insurance, or to follow up with you to provide the information that you requested. By submitting personal information to us, you grant us the right to use your personal information, including but not limited to, the right to share your information with third parties.

Personal Information could include the following: name, birth date, address, telephone number, e-mail, insurance amount, contact name, etc.

You may provide information of a personal nature to us for the following situations (for example):

  • To share with insurance agents, carriers, or carrier partners for the purpose of receiving information about a service or product
  • To ask a question or seek additional information
  • To share your comments or feedback about our website
  • To register to receive communications fromChristianPlans.com and/or its third party affiliates and partners
  • To receive information about partnering with us as an affiliate, insurance carrier, etc.

If you voluntarily choose to provide us with personal information, we will use it for any purpose, including but not limited to, the following:

  • To share with our partners, affiliates, and clients for the purpose of sending you information about a product or service in which you have expressed interest or in which we believe you may be interested
  • To send communications that you have requested fromChristianPlans.com and its subsidiaries, partners, affiliates, clients, and other third parties
  • To receive information about partnering with us as an affiliate, insurance agent, etc.
  • To improve or customize the content and/or layout of our web pages
  • To contact you when necessary
  • To send you related information which we think you might be interested in

By submitting your personal information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that ChristianPlans.com has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act)

By agreeing to these terms, you hereby consent to disclosure of any record or communication to any third party where ChristianPlans.com, in its sole discretion, determines the disclosure to be appropriate.

By requesting a quote you expressly consent to be contacted via email or phone by ChristianPlans.com, its partners, affiliates, subsidiaries, and clients. You understand that the insurance companies or their agents or partner companies may confirm your information through the use of a consumer report, which may include your credit score and driving record.

ANONYMOUS INFORMATION

When you visit our site, we collect anonymous information about your browsing. This may include things such as: Browser types, IP address of visitors to our Web page, Cookies, Computer Operating Systems, and Clear Gifs from e-mails and ad banners. We also collect aggregate information on what pages visitors access and how long they stay on each page. We use this information to improve our marketing and promotional activities, to analyze our site usage, and customize our site to better meet the needs of our site visitors.

INFORMATION COLLECTED BY GOOGLE

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

You may refuse the placement of Google Analytics cookies by selecting the appropriate settings on your browser. In doing this, you will safeguard your right to disagree with any future collection, processing and use of data by Google Analytics. For this purpose, you may install the Google Analytics deactivating add-on for browsers to prevent Google Analytics from storing any information on web sites you visited.

You can opt out of Google Analytics by using the browser Add-on. (https://tools.google.com/dlpage/gaoptout/)

You can opt of Google Ads by changing the appropriate settings here. (http:// www.google.com/settings/ads)

Google Analytics Terms of Service can be found here. (http://www.google.com/analytics/terms/us.html)

TWITTER AND FACEBOOK

ChristianPlans.com works with Twitter and Facebook to collect user data through their websites for purposes of conversion tracking and serving ads targeted to users’ interests.

Twitter utilizes a Do Not Track Functionality that allows users to opt-out of interest based advertising. To opt-out adjust your Twitter account settings here. (https://support.twitter.com/articles/20170405)

You can opt-out of interest based advertising through Facebook here. (http://www.aboutads.info/choices/)

INFORMATION SHARING AND DISCLOSURE

ChristianPlans.com may use your personal information for any purpose in its sole discretion. We may share your Personal Information with selected third parties to offer you products or services that we think may interest you. We may disclose your personal information in compliance with applicable laws and/or if we are responding to subpoenas, court orders, or other legal processes.

To process your insurance request, we (and our subsidiaries partners, affiliates, clients, and other third parties) may require your name, phone number, e-mail address, and estimated financial information such as debts, salary, credit, etc. In select cases, a social security number may be requested.

We may make the e-mail addresses of those who volunteer their e-mail addresses to us available to other organizations whose products or services we think you might find interesting. If you supply us with your postal address online, you may receive periodic mailings from us. You may also receive mailings from other reputable companies. If you do not want us to share your e-mail address or postal address with other companies or organizations, please let us know by following one of the options described in the Opt-Out section below.

ANTI-SPAM POLICY

Spam is commercial e-mail or unsolicited bulk e-mail which has not been requested by the recipient. You will not receive ChristianPlans.com e-mail communications unless you submit your e-mail address. You may receive third-party e-mails advertising products and services from our partners and affiliates. If you submit your e-mail (or other Personal Information) to websites to which we are linked or which are linked to us, we are not responsible for their practices. Although we encourage third-parties to abide by Can-SPAM laws, we cannot enforce or change their actions. If you wish to remove your contact information from the third-party, please follow their opt-out instructions.

THIRD-PARTY ADVERTISING

Third-party advertising companies may serve ads on our website. These third-party advertising companies may employ Cookies and/or Clear Gifs to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date and or time of banner ad shown, the specific banner ad that was shown, Cookies, and the IP address. This information can be used for online preference marketing purposes. Clear Gifs, Cookies, and the IP address are not tied to users’ personally identifiable information.

TESTIMONIALS

While testimonials on this site are intended to reflect actual health insurance consumer experiences, they may have been created or modified to fit the needs of the website

CALIFORNIA PRIVACY NOTICE

This California Privacy Notice (“Notice”) is for California residents and supplements the information contained elsewhere in our Privacy Policy. It explains how we collect, use, and share your Personal Information and how to exercise your rights under the California Consumer Privacy Act (“CCPA”).

The CCPA defines “Personal Information” to mean “information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household”. Personal Information does not include information that is aggregated or information that cannot be reasonably linked to you.

 

How We Collect, Use, And Share Personal Information

To provide the products or features offered by our website, we must process information about you, including personally identifiable information (“Personal Information”).  We do not sell any information you do not expressly provide to us. We may collect non-personally identifiable information on our website, subject to the limitations in our Privacy Policy.

If you choose to expressly provide your Personal Information, we may sell, share, and use your Personal Information to respond to your request and for business purposes.  For example, if you request information about an insurance product or an alternative product, your Personal Information may be shared with third-parties who can follow-up on your request.  Your Personal Information may be used in accordance with the express consent provided on the data form submission.

The best way to limit the collection, use, sale and sharing of your Personal Information is not to provide it.

Here is a summary of the CCPA-related categories of Personal Information we may have collected about you over the past 12 months, depending on how you may interact with this website, as well as how we use it and with whom we may have shared it.

Categories of Personal Information we collect may include: Examples of how Personal Information is used include: Parties with whom your information may be shared include: Parties to whom your information may be sold include:
Information collected on visitors to our website  (not expressly provided):

· Internet or other electronic network activity information, including your device type, IP address and content you view or engage with;

 

Information collected if you expressly provide it.  This information may include:

· Personally-identifiable information such as name, address, phone number, age, email address and similar;

· Professional or employment information;

· Education information;

· Financial information;

· Health information;

· Your interest in certain products or services (e.g., interest in insurance);

· Data with special protections, if you choose to provide it;

 Information collected on visitors to our website (not expressly provided) is used to:

· Provide, personalize, and improve our website and products;

· Provide measurement, analytics, advertising, quality assurance and other business services; and

· To perform other business purposes.

 

For the information collected that you expressly provide, this information may be used to:

·      Communicate with you, validate your information, follow-up on your request, and to perform other business purposes.

Information collected on visitors to our website (not expressly provided) is shared with:

· Apps, websites, and third-party integrations that help us to provide, personalize and improve our website experience (e.g., hosting companies and web analytics firms);

· New owners in the event of a change of ownership or control of all or part of our products or their assets changes;

 

For the information collected that you expressly provide, this information may be shared with third-parties such as:

· Software service providers, database software providers, telephony software providers or other similar service providers.

· For all types of information, we may share with law enforcement or other third parties in connection with legal requests.

Information collected on visitors to our website (not expressly provided) is shared with:

· This information is not sold to third parties.

 

For the information collected that you expressly provide, this information may be sold to:

· Third parties such as insurance companies, insurance agents and brokers, insurance marketing firms, or others.  Please see the following link for a list of representative organizations to whom your personal information may be sold.

· Please note that we do not sell your information unless you expressly provide it to us.

 

Sources Of Information

We receive Personal Information from the information that you and others provide, your device(s), and from our partners. The categories of sources from which we’ve collected or received Personal Information include:

  • You: We collect the information you provide when you visit our site, such as the IP address.  We collect the information that you expressly provide to us when you fill out a form on our website or call us directly.
  • Your device(s): We collect information from and about the computers, phones, connected TVs, and other web-connected devices you use to access our website.

 

How You Can Exercise Your Rights Provided Under the CCPA

Under the CCPA, you have the following rights:

  • Right to Know: You have the right to request that we disclose to you the Personal Information we collect, use, or disclose, and information about our data practices;
  • Right to Request Deletion: You have the right to request that we delete your Personal Information that we have collected from you;
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.

To exercise your “right to know” or your “right to request deletion,” click here.

Please note that to protect your information, we may need to verify your identity before processing your request. In some cases we may need to collect additional information to verify your identity, such as a government issued ID.

Under the CCPA, you may exercise these rights yourself or you may designate an authorized agent to make these requests on your behalf. We may request that your authorized agent have written permission from you to make requests on your behalf and may need to verify your authorized agent’s identity.

Contact For More Information

If you have additional questions about this Notice or how to exercise your rights under the CCPA, fill out the form here or call (888) 441-0911.

Effective: January 1, 2020

 

HOW TO OPT-OUT

If you would like to opt out of receiving communications from ChristianPlans.com, please click the “Opt Out” or “Unsubscribe” link in any past communications you have received from us or email us at privacy@christianplans.com.

CHANGES TO PRIVACY POLICY

ChristianPlans.com may amend this policy from time to time, and we may use visitor information for new, unanticipated uses not previously disclosed in this privacy policy statement. If our Privacy Policy changes at some time in the future, we will post the changes prominently to our website at this URL and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back to this page periodically.

CONTACT US

ChristianPlans.com can be contacted at 3450 Sacramento Street, #343, San Francisco, CA 94118.

Last updated: January 23, 2020