This Privacy Statement outlines the privacy practices of Spice Media Group and its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “the Company”) and directs the collection, sharing and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”). This Privacy Policy outlines the information we collect, how we use, how we share the information you provide, and our privacy practices. Please read this carefully, by accessing or using our Website and Services, you agree to the way we collect, use and transfer of the information described in this Privacy Policy. If you do not agree to this Privacy Policy, please exit this page and to not use this Website. We may change this Privacy Policy at any time. When we do, we will revise the date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the Website and Services. Children under the age of 18 may not use this website. We do not knowingly collect any information from Children under the age of 18. Children’s Online Privacy Protection Act- This website is intended to be used by individuals 18 and older. If you become aware of a user who is under the age of 18, or that an individual under18 has provided information to us, please utilize the Contact Us feature on our website. If you are a parent or guardian and believe that your child under the age of 18 has provided personal information to us, you may contact us to request this information be deleted. We are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. This is not, and is not intended to be, any type of application for any financial product or service. When you provide information to this website, our service will match you with businesses that offer such products or services.

You are not required to participate in the website activities or provide any information we ask for. We may collect different types of information about you when you access and use our website such as behavioral information, demographic information, personal information, and third party information. We may collect combinations of these types of information. Behavioral information is automatically collected by us regarding your use of our website, like the pages that you visit, services you may access, browser preference, your IP address, your computer hardware and software, operating system type, geographic location, domain names, or times that you may access the internet, and other websites you have visited. We log Internet protocol (IP) server addresses for system administration purposes and catalog traffic patterns through our Websites. This information may or may not be linked to a consumer’s personal information at our discretion. Demographic information refers to particular population characteristics such as zip code, mobile phone carrier, industry of employment, personal and online interests. Personal information is information that can be used to identify you including, but not limited to: name, address, telephone numbers, mobile numbers and email address. Third party information is information about you that we receive from other companies or individuals.

We use your information collected from our website to provide you with the services and/or products you have expressed interest in. In order to provide that, we may sell your information to a third party who offers these services or products or who provides services to our site. For example, third parties who host our website, analyze our data, provide marketing assistance, market their products or services and provide customer service. We may share behavioral information at any time for any purpose. We may share collective anonymous information about you, combined with other persons using our website with third parties, so that they can understand the various users that access the website, and how those users function within the site. In sharing your information with third parties who help us in the delivery of the products and services you have requested, you understand and agree that your consent is not a condition, directly or indirectly of a purchase. When you provide and submit your information on our websites, you explicitly authorize us to share your information with third parties so that they may contact you via email, telephone and/or direct mail. When you submit your information you agree to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from us and any affiliates or third parties to the phone numbers (including mobile numbers) and email addresses you provide to us today or in the future and to any phone numbers or email addresses subsequently associated with you by us or any affiliates or third party affiliates or vendors. You understand and agree that if you submit an inquiry on our website, we will share that personal information with our network of clients including but not limited to: credit consultants, mortgage brokers, mortgage bankers, insurance brokers or any other business in our network. As a result, different types of businesses, some not related to your inquiry may be provided your information to contact you, ie. If you inquire about a financial product, a credit consultant may reach out to you. Our third party contracts provide limits on how they can use your information, though we cannot control the privacy practices of third parties. Review privacy policies of third parties for information on their practices. 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 will share your information to also manage and protect our information technology infrastructure and security, if we sell our company or merge with another company, or if legally required to do so, in pursuant to a request from a governmental entity.

We use cookies which are files on your computer that record your preferences and other data about your activities on our website which we may use to personalize return visits. You can stop the use of this technology through settings in your browser. We also use tracking data to improve user activity by delivering (or third party may deliver) targeted advertising on our website and the websites of third parties. California residents have the right to know that we do not respond to such signals or cookies. We may collect, use and share this information with a third party for cross-device advertising purposes. This allows consumers to experience advertisements over multiple devices. This information may be used for analytics, and reporting purposes such as an advertisements helpfulness. We may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. You may opt-out of push notifications or alerts through your browser settings.

We use commercial security measures to protect your information in our control. While we take reasonable technological safeguards to protect your data, no transmission of data over the Internet can be guaranteed 100% secure and we cannot warrant such. Any transmission of data at or through our website is at your own risk. To transmit data between a user’s browser and out web server, we will utilize Secure Sockets Layer (SSL) encryption. To use our websites, a user will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher. We will retain personal information, including user location information, only as long as required for business needs. We will then destroy or render unreadable any information upon disposal. We contractually require that third parties handle your personal similar to our practices. Again, we do not monitor such practices and thus are not responsible for third party security. Do not communicate any information to us through unsecured channels.

To opt-out of receiving communications from us, you may follow the instructions in our communications to unsubscribe or by reaching us through the Contact Us feature on our website. To opt-out of communications from third parties, please follow the instructions to opt-out within those entities’ communications. You may revoke consent at any time for any use of personal information collected from you under this Privacy Policy. To revoke consent, indicate by reaching us through the Contact Us feature on our website with the word “revoke Personal Information” in the message. Data collected may be sold or transferred to our third parties which takes place immediately in real-time and should you unsubscribe, opt-out or revoke consent, your data may have already been sent to our third parties. We cannot revoke your information from a third party if it has already been sold. We will remove your personal information from our systems and no further communications will be sent.

California law provides California residents with the following privacy rights: Right to access personal information: Individuals exercising this right may request access to the categories and specific pieces of their personal information we have collected in the prior 12-month period. Individuals exercising this right may receive their personal information, when provided electronically, in a readily-useable format. Contact us at info@healthinsurancelist.com.

Right to deletion: Individuals exercising this right can ask us to delete their personal information we have collected, though we may be permitted to retain personal information for certain purposes. Exercise this right at https://healthinsurancelist.com/opt-out/.

Right to opt out of sales: As permitted by applicable law, we may share your personal information for monetary or other valuable consideration (under California law, this is considered a “sale”). You may opt out of such a “sale” of your personal information to third parties. You can exercise your right to opt-out buy following instructions below. Data collected may be sold or transferred to our third parties which takes place immediately in real-time and should you unsubscribe, opt-out or revoke consent, your data may have already been sent to our third parties. We cannot revoke your information from a third party if it has already been sold. We will remove your personal information from our systems and no further communications will be sent. Exercise this right at https://healthinsurancelist.com/opt-out/.

Currently, this law specifically applies to California residents. If you are a resident of California, and would like to exercise one of your rights, see above. You may designate an authorized agent to request the exercise of one or more of these rights on your behalf. Please note all consumer requests are subject to verification and there may be circumstances where we do not honor your request, as permitted under the law. We may verify your request by asking for additional information about how you found out about Health Insurance List and who referred you to Health Insurance List to make a request (which Publisher, Querier or Partner referred you to us) and which websites you made the same requests to; and we will need to be able to verify with that Publisher or Partner as to the validity of your request first. If you are using an authorized agent, such requests are subject to the same criteria.