Effective Date: 06/25/2014
This website is owned and operated by the GoHealthInsurance.com network. GoHealthInsurance.com is a leading online source of information for people seeking to learn more about their insurance options. GoHealthInsurance.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 GoHealthInsurance.com
GoHealthInsurance.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.
GoHealthInsurance.com is not an insurance agency. We are solely a referral service for connecting consumers with qualified professionals.
Information Collected By GoHealthInsurance.com
GoHealthInsurance.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 personally-identifiable information with other businesses who provide services that match your inquiry. The personally-identifiable information we collect may include, but is not limited to:
- Email address
- Phone number
- Demographic information
- Credit information
- Health information
- Other financial information
Please note that insurance institutions and other services who subscribe to our system compete for the opportunity to provide insurance products and services that match your inquiry. By submitting your information to us, you are also authorizing these 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.
Non-personally-identifiable information: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.
The information you choose to share with us may be collected through this website, another website in the GoHealthInsurance.com network, or a website owned by of one of our third-party partners, including our network of affiliated marketing partners. Any personally-identifiable information collected by a GoHealthInsurance.com affiliated marketing partner is used to provide the services described above. Information may also be collected over the phone by one of our Customer Service Representatives, or by a Customer Service Representative working for one of our third-party partners.
We follow generally accepted industry standards to protect the personally-identifiable 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 personally-identifiable 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 GoHealthInsurance.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 calling us at 1-888-250-3409 or writing to the address below:
Chicago, IL 60654
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
If you choose to give us personally-identifiable information, we may share this information with our 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 may 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 GoHealthInsurance.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 GoHealthInsurance.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 GoHealthInsurance.com, third-party websites linked from GoHealthInsurance.com, any insurance agent or financial professional in our 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. If GoHealthInsurance.com is involved in a merger, acquisition, change of ownership, or sale of substantially all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site if the changes affect the uses of your personally-identifiable information, as well as any choices you may have regarding your personally-identifiable information.
Prospective business partners and affiliates:
The information you submit to GoHealthInsurance.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. Refer to Microsoft© online for more information about cookies.
If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited.
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally-identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please contact firstname.lastname@example.org to opt-out.
We use local storage objects (LSOs) to store content information.Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.
Our third party partners employ clear gifs (a.k.a. Web Beacons/Web Bugs), images, and scripts that help them better manage content on our site. We do not tie the information gathered to our Customers’ or Users’ personally-identifiable information.
You further agree to receive quotes, policy updates, and other customized content to your wireless phone. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. GoHealth does not charge you for sending or receiving text messages. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received.
California Residents Privacy Rights
Companies that collect personally-identifiable information 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.
GoHealthInsurance.com has elected the second option, and you may request that your personally-identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address to:
Chicago, IL 60654
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 email@example.com.
GoHealthInsurance.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 GoHealthInsurance.com at any time. Use the “unsubscribe” link at the bottom of any email you receive from GoHealthInsurance.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 GoHealthInsurance.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 GoHealthInsurance.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
Social Media Features and Widgets
Information from Minors
GoHealthInsurance.com does not knowingly solicit or collect information from anyone under the age of 13.
TRUSTe Licensee Agreement
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe at https://feedback-form.truste.com/watchdog/request.
Changes to This Policy
terms and Conditions
Acceptance of Terms
IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.
About This Site
This Website (hereinafter "the Site" or "this Site") is part of the GoHealthInsurance.com network. GoHealthInsurance.com is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals who can assist them.
GoHealthInsurance.com does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by GoHealthInsurance.com.
Personal and Noncommercial Use Limitation
In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit GoHealthInsurance.com Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of GoHealthInsurance.com or any other party is granted or conferred to you.
The Site is provided on an "as is" basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL GOHEALTHINSURANCE.COM, ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY GOHEALTHINSURANCE.COM INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST GOHEALTHINSURANCE.COM, ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER GOHEALTHINSURANCE.COM INFORMATION.
Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. GoHealthInsurance.com reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of GoHealthInsurance.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of GoHealthInsurance.com and/or other parties is granted to or conferred upon you.
The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter "Providers"), based on the information you have provided. These Providers may have one or numerous companies with from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.
We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.
We reserve all the rights to our Site contents, and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.
Your Use of The Service
You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:
- impersonate any other person or entity
- submit any information pertaining to a third party without that party's understanding and express consent
- submit false or misleading information
- exploit this Service for any commercial reason
- engage in any activity prohibited under the CAN-SPAM Act
- engage in any criminal or otherwise unlawful behavior
- commit any action which could give rise to civil liability
- restrict others from making use of this Service
- upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property
- commit any action that interferes with, blocks, or otherwise harms the Service
Links to the Web Site
You may not establish a hypertext "link" to the Web Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from GoHealthInsurance.com allowing you to do so.
Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of GoHealthInsurance.com, and GoHealthInsurance.com is not responsible for the contents of any linked site or any link contained in a linked site. GoHealthInsurance.com is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by GoHealthInsurance.com of any linked site or constitute any warranty by GoHealthInsurance.com of any linked site or any items contained on such site.
Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of Illinois applicable to contracts entered into and to be performed entirely within the State of Illinois.
No Unlawful or Prohibited Use. As a condition of your use of the Site, you warrant to GoHealthInsurance.com that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.
The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no representations of warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.
WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.
WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.
Limitation of Liability
WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.
We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein.
Third party logotypes, brandmarks, and service marks are the property of their respective owners.
Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.
Website owners can download the GoHealth FreeQuoter and place the code on their site at no charge and direct online users to use the quoting and e-application technology available on GoHealthInsurance.com, powered by Norvax, to generate instant quotes and apply online for coverage. Any completed and in-force applications through the non-licensed GoHealth FreeQuoter widget are written through the GoHealth agent identification number where commissions are credited by the carrier through this number. The code for the FreeQuoter cannot be altered in any way, and the tool will lose all functionality if modified. GoHealth and Norvax the technology provider reserve the right to change or modify the terms and conditions for the GoHealth FreeQuoter and revoke use for negligent or improper use of the tool without notification. All rights reserved.
Changes and Updates
We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.
GoHealthInsurance.com is a leading online source of information for people seeking to learn more about their insurance options. GoHealthInsurance.com also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service is free for consumers.
GoHealthInsurance.com does not provide any financial services itself, nor does it endorse any third-party financial service provider. GoHealthInsurance.com is not affiliated with any third-party financial service provider. Any information, logotypes, brandmarks, trademarks, and service marks of or about any third party company or financial service provider is provided strictly on an informational basis, and does not imply an endorsement by or relationship with that third party.
While every effort is made to ensure the accuracy of the content of the GoHealthInsurance.com network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other GoHealthInsurance.com website. We hereby disclaim all liability from any damages resulting from the use of this or any other GoHealthInsurance.com website, or the services provided on this or any other GoHealthInsurance.com website.
If you use our free service, we cannot guarantee that we will be able to locate a financial professional qualified to assist you.
The information provided on this site is not intended to convey tax or legal advice. For more detailed explanations of the laws, please consult an attorney or certified public accountant, as may be appropriate.
Chicago, IL 60654
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.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.