Last Updated and Effective: April 6, 2021
Table of Contents:
We generally collect Personal Information in two ways: 1) information you provide to us, and 2) information we collect automatically, as described further below.
We collect your name, email address, phone number, state and zip code when you request a quote through the Site or use the “Contact” feature on the Site for purposes of obtaining insurance coverage. We may collect some or all of the same information if you speak to or otherwise interact with (e.g., by email or text) with one of our customer service representatives. In order to match you with available insurance options, we may further collect your full address, birth date, social security number, Medicare/Medicaid coverage status, and names of your dependents. We do not collect payment card or bank account information; any payments for insurance are made directly to the insurance carrier. It is not necessary to disclose personal medical information to seek insurance coverage and we do not intend to collect or retain any such information that you may bring to our attention.
We may also obtain personal information about you from third parties, including, service providers and lead sellers. This information may include name, address/location (state and/or zip code), email address, phone number, gender, birth date, Medicare/Medicaid coverage status, IP address, and/or lead identification number.
Whenever you interact with the Site, we, as well as our service providers, may use assorted technologies, such as cookies and other technologies, that automatically or passively collect data about how the Site is being accessed and used. This data may include browser type, unique number assigned to identify the device, operating system, application version used to access the Site, click path taken through the Site, your use of features or applications within the Site, and other usage information (“Use Data”). This information helps us manage, improve and customize our Services, including the Site’s features and functionality, and may be used to identify you like personal information.
HOW WE USE PERSONAL INFORMATION.
We may use your Personal Information for one or more of the following purposes:
“DO NOT TRACK”; OTHER TRACKING. We do not honor “do not track” requests for the Site sent from a browser, but third parties (other than our service providers assisting with making the Services available) do not have authorization from us to track your use of the Services or track what other activities a user may have engaged in before or after using the Services (for example, using a different website).
SECURITY. We use reasonable administrative, technical, and physical security measures to protect personal information against loss, misuse, and unauthorized access, but no online or mobile communication is guaranteed to be 100% secure.
THIRD-PARTY LINKS. The Site and Services may make available links to the websites of our marketing partners, advertisers, social media sites, and other third parties. If you follow a link to any of these websites, please note that these third parties have their own privacy policies, and that Crisp does not accept any responsibility or liability for such third party privacy policies or practices. Please check the individual policies before you submit any information to or through any linked third party website.
YOUR PREFERENCES. You can update your preferences regarding how we contact you. If you receive a text message from us to coordinate follow-up, you may always text STOP to opt out. If you receive emails with products or offers that may be of interest to you, you may opt out of marketing communications by unsubscribing within the email. Please note that you may continue to receive emails with information about requested insurance coverage, even if you opt-out of marketing emails. Feel free to contact us with any other requests or preferences, including to update or change your personal information. See “CONTACT US” below.
California residents exercising their rights described under the NOTICE TO CALIFORNIA RESIDENTS section below may access our web form here.
California and Nevada residents who wish to opt out of the sale of their personal information may use the DO NOT SELL MY INFO button on www.medicarepluscard.com to submit the request, but please be aware that doing so may limit the insurance coverage options, and options related to other health-related products and services we may be able to present for your consideration.
A number of states are currently considering enacting laws similar to the California laws under “NOTICE TO CALIFORNIA RESIDENTS” below. If you are a resident of a state that enacts such a law, please use the contact information above to contact us with any questions, requests or comments.
CHILDREN. The Site and Services are not intended for use by children, and we do not knowingly collect personal information from children under 13 directly from such children. If we learn that we have collected the personal information of any such individual without having been provided the information from their parent or legal guardian as part of the process of obtaining insurance coverage for dependents, we will take steps to delete the information as soon as possible.
Collection and Use of Personal Information
In particular, as part of the Services, we have collected the following categories of personal information from California residents within the last twelve (12) months:
|1. Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|2. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.||YES|
|3. Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES|
|4. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES|
|5. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO|
|6. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||YES|
|7. Geolocation data.||Physical location or movements.||YES|
|8. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||NO|
|9. Professional or employment-related information.||Current or past job history or performance evaluations.||NO|
|10. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||NO|
|11. Inferences drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||YES|
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Your CCPA Rights and How to Exercise Them
If you are a California resident, you have certain rights, pursuant to the California Consumer Privacy Protection Act (“CCPA”). These CCPA rights may only apply in certain circumstances and are subject to certain exemptions. Please see the information below for a summary of your rights, how to exercise your rights and the information we require in order to respond to your requests. Please note that we may ask for certain information to verify the request in accordance with applicable law.
You are welcome to change your mind and opt back in at any time. We may not request that you change your mind for at least 12 months after you opt-out.
Disclosure or Sale of Personal Information
Under the CCPA, a “sale” means providing to a third party personal information for valuable consideration. It does not necessarily mean money was exchanged for the transfer of personal information. In the last 12 months, we disclosed or sold personal information to third parties as follows:
Third-Party Marketing Disclosure
Under California Civil Code Section 1798.83 (The “Shine the Light” law), California residents with whom we have a business relationship can request certain information regarding what types of personal information, if any, we shared with third parties for the direct marketing purposes of the third parties and the identities of the third parties with whom we shared such information in the immediately preceding 12 months. You may request this information by referring to the CONTACT US section above.
NOTICE TO NEVADA RESIDENTS. Please refer to the “NOTICE FOR CALIFORNIA RESIDENTS” section above for the categories of personal information we collect, including information about online activities, and with whom we share it. Please use the CONTACT US section above to opt out of the sale of your personal information if desired, or otherwise contact us regarding your personal information.
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