Privacy Policy
Last updated: June 9, 2025
Please read this Privacy Policy (further referred to as the “Policy”) carefully as it informs you about the collection, use, and disclose of your Personal Information. This Policy describes our practices in connection with information that we collect through our website, via the phone call made to the telephone number listed on our Site, via our other online destinations that reference this Policy, via the use of cookies, server logs, and other similar technologies when you interact with our Site, and from other sources, including, for example, our affiliates, business partners, service providers, and other third parties, or from publicly available sources. By providing Personal Information (as listed below) to us, you acknowledge that such Personal Information may be used and disclosed in accordance with this Policy.
Updates to This Policy
We may update this Policy from time to time. Please look at the Last Updated line at the top of this page to check when this Policy was last revised. Any changes to this Policy will become effective when we post a revised Policy on the Site. Your use of the Site following any changes means that you accept the revised Policy.
Personal Information We Collect
“Personal Information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual.
“Sensitive Personal Information” is a specific subset of Personal Information that includes certain government identifiers (such as social security numbers); an account log-in, financial account, debit card, or credit card number with any required security code, password, or credentials allowing access to an account; precise geolocation; contents of mail, email, and text messages; genetic data; biometric information processed to identify a consumer; information concerning a consumer's health, sex life, or sexual orientation; or information about racial or ethnic origin, religious or philosophical beliefs, or union membership. Consumers have the right to also limit a business's use and disclosure of their sensitive Personal Information.
“Protected Health Information” means any information, including demographic data, that relates to an individual's past, present, or future physical or mental health or condition, the provision of health care to the individual, or the past, present, or future payment for the provision of health care to the individual, and that either identifies the individual or can reasonably be used to identify the individual.
We may collect the following categories of Personal Information about you:
| Personal Information | Description |
|---|---|
| Technical and Usage Data: IP address, browser type and version, operating system, device type, screen resolution and (in case you agree to share such) information on the use of our website (e.g. referral source, length of visit, page views and site navigation paths, the timing, frequency and pattern of your service use) | We may obtain such data through the use of cookies and similar technologies. This information can help us understand general usage patterns, support basic website functionality, and maintain overall security. It may also be used to improve user experience over time. |
| Medicare Status | To provide more relevant information and improve user experience, we may ask about your current health coverage status, including but not limited to Medicare, Affordable Care Act (ACA) plans, or other insurance types. Providing this information is optional and used solely to suggest plan types that may align with your indicated situation. Plan recommendations are general and based on publicly available eligibility criteria, including factors such as enrollment status, age, income, and legal eligibility requirements. We do not determine eligibility or make enrollment decisions. Only licensed insurance agents or authorized plan providers can confirm your eligibility or process your enrollment. |
| Sex | In certain wellness or fitness-related quiz experiences offered on our website, we may request information such as biological sex to help personalize the content or results. This information is processed solely on the user's device (client-side), is not transmitted to our servers, and is not stored or shared with any third parties. If biological sex or similar data is required for health insurance plan selection, eligibility determination, or enrollment, it will be collected directly by a licensed insurance agent during a one-on-one consultation, in compliance with applicable regulations. |
| ZIP Code | We may collect your ZIP code to help identify health insurance options that may be available in your area. Plan availability, benefits, and provider networks often vary by location. Providing a ZIP code helps us display location-relevant information and comply with applicable regulatory requirements. |
| Age Group | We may collect information about your age group, in particular whether you are older than a certain age, in order to help identify health insurance options that may be available to you. This allows us to present general information that aligns with age-related eligibility criteria under applicable programs. |
| We may use your email address to send you the information you requested, relevant updates about available plan categories, and to respond to your inquiries efficiently. |
Please note that we do not collect or store any medical diagnoses, treatment history, or protected health information (PHI) as defined under HIPAA. Information such as Medicare enrollment status may be requested solely to help determine general plan eligibility and is handled with appropriate administrative and technical safeguards. We do not identify users as individuals. Any input provided, such as in quizzes or forms, is processed anonymously and is not stored or linked to any personal identifiable information.
How We Use Your Personal Information
We may use your Personal Information for the following legitimate business purposes, in accordance with applicable laws:
- Provision of Services — to carry out the services you request, respond to your inquiries, deliver the information you have agreed to receive, and provide special offers or promotional materials from us or on behalf of our trusted business partners;
- User Experience — to understand how our audience engages with our website or services, improve functionality, and deliver relevant content and marketing communications tailored to your interests;
- Partner Engagement — to collaborate with business partners in offering services that you have requested or that may be of interest to you;
- Customer Support — to respond to your questions, assist with your requests, and maintain communication related to your submitted inquiries.
How Do We Protect Your Personal Information?
We implement reasonable administrative, technical, and physical safeguards to protect Personal Information from unauthorized access, disclosure, and misuse. These safeguards are designed to ensure the security and confidentiality of your information.
However, no system can be guaranteed to be completely secure. We encourage you to take appropriate precautions to protect your Personal Information, such as limiting access to your devices and being cautious with suspicious messages or links.
Disclosure of Personal Information
In certain situations, we may need to disclose your Personal Information with trusted third parties to support the delivery and maintenance of our services, or to meet legal requirements. Such disclosures may involve:
- Business partners or clients who participate in delivering content or responding to requests you submit through our platform;
- Affiliated entities, when sharing is necessary for internal operations or service consistency;
- Third-party providers who assist us with technology, hosting, infrastructure, customer support, or analytics services.
We may also disclose your information if required to do so by applicable laws, court orders, or official government or regulatory requests.
Third Party Websites
This Privacy Policy does not cover, and we are not responsible for, the privacy practices, data collection methods, or any other actions of third parties, including those that operate websites linked from our Site or who may provide services or content via embedded tools or integrations. The presence of a link on our Site or embedded content on our Site does not constitute an endorsement of the linked website by us or any of our affiliated entities. We encourage you to review the privacy policies of any external websites you visit.
Sale or Merger
We may disclose or transfer your Personal Information in connection with a potential or actual merger, acquisition, sale of assets, bankruptcy, or other business transaction. In such cases, user information may be included as part of the transferred assets and shared with relevant parties involved in the transaction.
Please note: we do not sell your Personal Information as defined under applicable U.S. privacy laws, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).
Do we collect information from minors?
Our services are intended for individuals aged 18 and over. We do not knowingly collect Personal Information from anyone under the age of 18. If we become aware that we have inadvertently collected such information, we will take steps to delete it as soon as possible. If you believe that a minor has provided us with Personal Information, please contact us immediately.
What are your rights?
To help you understand your privacy rights, we have included two tables below. The first outlines the rights granted under various U.S. state privacy laws. The second indicates which of those rights are available to you based on your state of residence. Please review both tables to understand the scope of your rights and how they may vary depending on your location.
| Right | Description |
|---|---|
| Right to Know | You have the right to request information about the categories and specific pieces of Personal Information we have collected about you. |
| Right to Access | You may request access to the Personal Information we collected about you in the past 12 months. |
| Right to Delete | You can request that we delete Personal Information we collected from you, subject to certain exceptions. |
| Right to Correct | You may request that we correct inaccurate Personal Information that we maintain about you. |
| Right to Opt-Out of Sale or Sharing | You can opt out of the sale or sharing of your Personal Information with third parties for cross-context behavioral advertising. |
| Right to Limit Use of Sensitive Info | If we collect sensitive Personal Information, you have the right to limit its use to what is necessary to provide goods or services. |
| Right to Non-Discrimination | You have the right not to receive discriminatory treatment for exercising any of your privacy rights under the CCPA/CPRA. |
| Right to Data Portability (Access) | Upon request, you may receive your personal data in a readily usable format that allows you to transmit it to another entity. |
| Right to Appeal | If we deny your request, you have the right to appeal our decision. |
| Opt-Out of Profiling & Targeted Ads | You have the right to opt out of the use of your Personal Information for profiling in furtherance of decisions that produce legal or similarly significant effects, and for cross-context behavioral advertising (ads based on tracking you across websites or apps). |
Know Your Privacy Rights by State
| Your State | State Privacy Law | Key Rights You May Have |
|---|---|---|
| California | CCPA / CPRA | Access, Delete, Correct, Opt-Out of Sale/Sharing, Limit Sensitive Info, Portability, Non-Discrimination |
| Virginia | VCDPA | Access, Delete, Correct, Opt-Out of Sale, Opt-Out of Targeted Ads, Portability, Appeal |
| Colorado | CPA | Access, Delete, Correct, Opt-Out of Sale, Opt-Out of Profiling & Targeted Ads, Portability, Appeal |
| Connecticut | CTDPA | Access, Delete, Correct, Opt-Out of Sale, Opt-Out of Targeted Ads, Limit Sensitive Info, Appeal |
| Utah | UCPA | Access, Delete, Portability, Opt-Out of Sale |
| Texas | TDPSA | Access, Delete, Correct, Opt-Out of Sale/Sharing, Opt-Out of Profiling, Limit Sensitive Info, Portability, Appeal |
| Oregon | OCPA | Access, Delete, Correct, Opt-Out of Sale, Opt-Out of Profiling, Limit Sensitive Info, Portability, Appeal |
| Montana | MCDPA | Access, Delete, Correct, Opt-Out of Sale, Opt-Out of Profiling, Portability, Appeal |
| Iowa | Iowa CDPA | Access, Delete, Opt-Out of Sale, Portability |
| Tennessee | TIPA | Access, Delete, Correct, Opt-Out of Sale, Limit Sensitive Info, Portability, Appeal |
| Florida | FDPR (for large businesses) | Access, Delete, Correct, Opt-Out of Sale/Sharing, Opt-Out of Profiling, Portability, Appeal (only for large businesses) |
| Delaware | DPDPA | Access, Delete, Correct, Opt-Out of Sale, Limit Sensitive Info, Portability, Appeal |
| Other States | N/A | You may not have comprehensive state rights, but you can still exercise limited rights under federal or sectoral laws |
Data Retention
We retain your Personal Information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by applicable law.
How Can You Exercise Your Rights?
You may exercise your privacy rights by submitting a request through the “Contact Us” form on this Site. To help protect your Personal Information and maintain security, we may need to verify your identity before processing your request. Once verified, we will respond within 45 days. If additional time is needed, we may extend the response period by up to an additional 45 days and will notify you of the extension.
Under applicable privacy laws, you may also authorize an agent to submit a request on your behalf. If you choose to do so, we may require additional documentation to verify both your identity and the agent's authority before processing the request, in order to help safeguard your Personal Information.
How to Contact Us
If you have any questions or concerns about this policy or our privacy practices, please contact us at: info@leadinghealthadvice.com