Privacy Policy

We want you to feel comfortable using our site and requesting a quote or further information, and we urge you to familiarize yourself with the following privacy policy.

BY VISITING THIS WEBSITE AND REQUESTING INFORMATION, PRODUCTS OR SERVICES THERON, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEBSITES REFERRED TO IN THIS PRIVACY POLICY.

PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.

This policy describes the information collection, use, and dissemination practices of Supplemental Medicare Insurance and its parent and affiliated entities ("Supplemental Medicare Insurance") and applies to Supplemental Medicare Insurance's collection, use, storage and disclosure of information by Supplemental Medicare Insurance on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Websites"), (b) on various Third Party websites, and (c) to Supplemental Medicare Insurance's other information collection, including the purchase of customer lists from Third Parties. Supplemental Medicare Insurance is not responsible for the information collection or privacy practices of Third Party websites or applications.

CALIFORNIA RESIDENTS PRIVACY RIGHTS

Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: Supplemental Medicare Insurance, 3043 Mission Street, San Francisco, CA 94110. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

THE INFORMATION COLLECTION, USE AND DISSEMINATION PRACTICES OF Supplemental Medicare Insurance.

Collection of Information

1. Survey Information

   Supplemental Medicare Insurance collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by Third Parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Websites, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Supplemental Medicare Insurance or a Third Party (a "Third Party") may ask an individual to provide various information to Supplemental Medicare Insurance, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information"). Supplemental Medicare Insurance may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Supplemental Medicare Insurance or a Third Party, but an individual may receive incentives from Supplemental Medicare Insurance or a Third Party in exchange for providing Survey Information to Supplemental Medicare Insurance

2. Site Membership or Registration

   To the extent registration is required to receive email and possibly postal communications from Supplemental Medicare Insurance, this Privacy Policy also applies to consumers that have agreed to receive e-mail marketing from Supplemental Medicare Insurance, whether at our Website, via email, on Third Party websites or otherwise. We collect information in certain portions of our Website, where guests provide content submissions and suggestions or participate in interactive online activities (i.e., by way of responding to questions and surveys, community listings, ratings, searches and comparison searches, bidding, purchasing, chat, games, or bulletin boards, etc.). The personal profile information you submit to Supplemental Medicare Insurance remains your property, but by submitting that information to Supplemental Medicare Insurance, you grant Supplemental Medicare Insurance, the right to use that information for marketing purposes. Supplemental Medicare Insurance may also use such information for content improvement and feedback purposes. We may sell the personal information that you supply to us and we may join together with other businesses to bring selected retail opportunities to our members. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation. In addition, Supplemental Medicare Insurance reserves the right to release current or past member information in the event Supplemental Medicare Insurance believes that the membership is being or has been used in violation of the Rules or to commit unlawful acts, if the information is subpoenaed, if Supplemental Medicare Insurance is sold or acquired, or when Supplemental Medicare Insurance deems it necessary or appropriate. By agreeing to these terms, you hereby consent to disclosure of any record or communication to any Third Party when Supplemental Medicare Insurance, in its sole discretion, determines the disclosure to be appropriate.

3. Subscription

   Subscription occurs when an end-user registers for Supplemental Medicare Insurance's services, either via registration at our website, via co-registration at a marketing partner's website, or via a permission pass / opt-out / no-opt mailing Supplemental Medicare Insurance collects personally identifiable information about our subscribers, based on: information gathered at the time of registration, subscriber interaction and response to subsequent electronic mailings and website use, information provided by marketing partners, and information appended from data aggregators. Information collected may include, but is not necessarily limited to: name, email address, postal address, gender, birth date, telephone number, activity, interests, user behavior and other demographic information. This information enables us to better tailor our content to subscribers' needs and to help our clients to promote and sell their products and services.

4. Third Party List Information

   Supplemental Medicare Insurance collects information from individuals when an individual provides information to a Third Party and Supplemental Medicare Insurance subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the "Seller"). Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "Third Party List Information"). When acquiring Third Party List Information, Supplemental Medicare Insurance seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Supplemental Medicare Insurance and that the Seller has a right to provide offers from Advertisers to the individuals whose personal information is included on the Seller's list.

5. Other Information

   Other occasions when Supplemental Medicare Insurance obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Supplemental Medicare Insurance or by a Third Party, (2) when an individual requests assistance through Supplemental Medicare Insurance's customer service department, and (3) when an individual voluntarily subscribes to a Supplemental Medicare Insurance service or newsletter (together, "Other Information").

6. Cookies, Web Beacons, and Other Info Collected Using Technology

   Supplemental Medicare Insurance currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Supplemental Medicare Insurance may use other new and evolving sources of information in the future (together, "Technology Information").

   1. Cookies

      A cookie is a small amount of data stored on the hard drive of the individual's computer that allows Supplemental Medicare Insurance to identify the individual with his or her corresponding data that resides in Supplemental Medicare Insurance's database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.

   2. Web Beacons

      A web beacon is programming code that can be used to display an image on a web page (by using an programming function -- see http://truste.org for more information), but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Supplemental Medicare Insurance to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, Supplemental Medicare Insurance might place, with the consent of a Third Party website, a web beacon on the Third Party's website where cosmetics are sold. When Jane, an individual listed in Supplemental Medicare Insurance's database, visits the cosmetic website, Supplemental Medicare Insurance receives notice by means of the web beacon that Jane visited the cosmetics site, and Supplemental Medicare Insurance would then update Jane's profile with the information that Jane is interested in cosmetics. Supplemental Medicare Insurance may thereafter present offers of cosmetic related products and services to Jane. In addition to using web beacons on web pages, Supplemental Medicare Insurance also uses web beacons in email messages sent to individuals listed in Supplemental Medicare Insurance's database.

   3. New Technology

      The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Supplemental Medicare Insurance's use of new and evolving technology. As a result, Supplemental Medicare Insurance strongly encourages individuals to revisit this policy for any updates regarding its use of technology.

   4. Usage Tracking

      Supplemental Medicare Insurance tracks information related to the electronic mailings and web pages viewed by users and subscribers, as well as the hyperlinks clicked by subscribers, while viewing our emails or visiting our websites.

   5. Log Files

      Log files are used to track and monitor subscriber usage.

   6. Optional Registration

      Supplemental Medicare Insurance may offer free voluntary registration to potential subscribers. During such registration, the subscriber is required to supply an email address and other personal information. This information is required if the subscriber wants to participate in Company services.

   7. Feedback and Inquirires

      You have the ability to contact Supplemental Medicare Insurance to provide us with their feedback. Supplemental Medicare Insurance uses this information to respond to you and analyze customer service issues.

7. Outside Information

   Supplemental Medicare Insurance may receive information about individuals from Third Parties or from other sources of information outside of Supplemental Medicare Insurance including information located in public databases ("Outside Information").

8. Individual Information

   As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Supplemental Medicare Insurance gathers or receives about individuals.

9. Credit Card Information

   Supplemental Medicare Insurance may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from Supplemental Medicare Insurance. When the Credit Card Information is submitted to Supplemental Medicare Insurance, such information is encrypted and is protected with SSL encryption software. Supplemental Medicare Insurance will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction.

10. Links to External Websites

    Supplemental Medicare Insurance's emails and websites contain links to external websites. You will be taken to external websites if you click on these links. Your information may be passed from Supplemental Medicare Insurance's database to the external website, and/or external database, for your convenience (e.g. your information may be used to pre-fill a form at a destination website). Supplemental Medicare Insurance is not responsible for the privacy practices or content of any external website owner. We encourage you to review the privacy policy of any website they visit.

Use of Individual Information

1. Discretion to Use Information

   Supplemental Medicare Insurance MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN Supplemental Medicare Insurance'S SOLE DISCRETION. The following paragraphs in Section 2 describe how Supplemental Medicare Insurance currently uses Individual Information, but Supplemental Medicare Insurance may change or broaden its use at any time. As noted below, Supplemental Medicare Insurance may update this policy from time to time. Supplemental Medicare Insurance may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

2. Email and Unsubscribe Policy

   Supplemental Medicare Insurance uses Individual Information to provide promotional offers by email to individuals. Supplemental Medicare Insurance may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Supplemental Medicare Insurance's email lists, a person must send request removal from our database .

   Supplemental Medicare Insurance's unsubscribe process impacts only the future delivery of electronic mailings disseminated by Supplemental Medicare Insurance on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including email appends.

   You should also note that unsubscribing from Supplemental Medicare Insurance's electronic mailings will not automatically unsubscribe the subscriber's information from any Third Party associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from Supplemental Medicare Insurance, and you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.

3. Content of Email Messages

   In certain commercial email messages sent by Supplemental Medicare Insurance, an Advertiser's name may appear in the "From:" line but hitting the "Reply" button will cause a reply email to be sent to Supplemental Medicare Insurance. The "Subject:" line of Supplemental Medicare Insurance email messages will usually contain a line provided from the Advertiser to Supplemental Medicare Insurance.

4. Solicited Email Supplemental Medicare Insurance only sends email to individuals who have agreed on the Websites to receive email from Supplemental Medicare Insurance or to individuals who have agreed on Third Party websites to receive email from Third Parties such as Supplemental Medicare Insurance does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Supplemental Medicare Insurance's email messages.

5. Special Note for Do Not Call List Registrants

   By submitting personal information to us, you authorize us and our partners 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, regardless of whether it is a cell phone or a land line.

   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 with information on new products and services or upcoming events. You may also receive mailings from other reputable companies. If you do not want us to share your e-mail address with other companies or organizations, please request removal from our database using the Email and Unsubscribe Policy detailed in this document.

6. Targeted Advertising

   Supplemental Medicare Insurance uses Individual Information to target advertising to an individual. When an individual is using the Internet, Supplemental Medicare Insurance uses Technology Information (see also Section 8 below) to associate an individual with that person's Individual Information, and Supplemental Medicare Insurance attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Supplemental Medicare Insurance may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.

7. Direct Mail and Telemarketing

   Supplemental Medicare Insurance uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.

   By submitting your personal information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that Supplemental Medicare Insurance 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).

8. Use of Technology Information

   Supplemental Medicare Insurance uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals (2) to track a person's online browsing habits on the Internet (3) to determine which areas of Supplemental Medicare Insurance's websites are most frequently visited. This information helps Supplemental Medicare Insurance to better understand the online habits of individuals so that Supplemental Medicare Insurance can target advertising and promotions to them.

9. Profiles of Individuals

   Supplemental Medicare Insurance uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.

10. Storage of Individual Information

    Supplemental Medicare Insurance stores the Individual Information in a database on its' computers and those computers owned by third party web hosting companies. Our computers and those of the third party hosting companies have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Supplemental Medicare Insurance's control. Not withstanding such measures, Supplemental Medicare Insurance cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the Individual Information on them stolen or altered.

Dissemination of Individual Information

1. Sale or Transfer to Third Parties

   Supplemental Medicare Insurance MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN Supplemental Medicare Insurance'S SOLE DISCRETION.

2. Order Fulfillment

   Supplemental Medicare Insurance will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using Supplemental Medicare Insurance's websites or when responding to offers provided by Supplemental Medicare Insurance.

3. Legal Process

   Supplemental Medicare Insurance may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.

4. Summary Data

   Supplemental Medicare Insurance may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

5. Access

   Supplemental Medicare Insurance may also grant advertising clients and email services providers' access to an individual's email address to verify the origin of the Individual Information collected.

Privacy Practices of Third Parties

1. Advertiser cookies and web beacons

   Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Supplemental Medicare Insurance does not control Advertisers' use of such technology and Supplemental Medicare Insurance has no responsibility for the use of such technology to gather information about individuals.

2. Links

   The Websites and email messages sometimes contain hypertext links to the websites of Third Parties. Supplemental Medicare Insurance is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by Third Parties. Such links are provided for your convenience and reference only. Supplemental Medicare Insurance does not operate or control in any respect any information, software, products or services available on such Third Party websites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

3. Affiliated Companies

   Supplemental Medicare Insurance may disclose, transfer, and sell Individual Information to entities affiliated with Supplemental Medicare Insurance in Supplemental Medicare Insurance's discretion.

Unsubscribe Procedures

If you wish to discontinue receiving email messages from Supplemental Medicare Insurance, you have several options:

1. Unsubscribe from one email list

   To unsubscribe from a particular list, either: (1) Request removal from our database or (2) Follow the instructions in each promotional email message sent by Supplemental Medicare Insurance.

2. Unsubscribe from all of Supplemental Medicare Insurance's email lists.

   We reserve the right to add Individual Information to multiple lists maintained by Supplemental Medicare Insurance. To globally unsubscribe from all of Supplemental Medicare Insurance's lists, request removal from our database .

LIMITATION OF LIABILITY, THIRD PARTY INFORMATION & LANGUAGE

YOU UNDERSTAND AND AGREE THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY AND OUR TERMS AND CONDITIONS (INCLUDING LIMITATIONS ON DAMAGES, AND ARBITRATION OF DISPUTES). YOU AGREE THAT Supplemental Medicare Insurance'S LIABILITY FOR ANY BREACH OF THIS PRIVACY POLICY SHALL BE LIMITED TO THE GREATER OF THE VALUE OF THE TRANSACTIONS OR SERVICES PROVIDED TO YOU BY Supplemental Medicare Insurance OR $250 TO THE EXTENT SUCH CLAIM IS NOT OTHERWISE BARRED BY OUR TERMS AND CONDITIONS. You also agree that you have provided notice to, and obtained consent from, any third party individuals whose personal data you supply to Supplemental Medicare Insurance with regard to: (a) the purposes for which such third party's personal data has been collected; (b) the intended recipients or categories of recipients of the third party's personal data; (c) which of the third party's data are obligatory and which data, if any, are voluntary; and (d) how the third party can access and, if necessary, rectify the data held about them.

For more information about protecting your privacy, you may wish to visit: www.ftc.gov.

Last updated: November 19th , 2007