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Privacy Policy Close
Last updated: October 1st, 2014 The website www.directhealth.com (the “Site”) is operated by TZ Insurance Solutions LLC, a Delaware limited liability company, through a Service Agreement with DirectHealth.com, LLC, a Delaware limited liability company (“us” or “we”). We have created this privacy policy (hereinafter, this "Privacy Policy") in order to disclose how we gather, use and disseminate the information that we collect from you on this Site or through other methods, including, without limitation, e-mail advertisements. We understand the importance that Internet users place on privacy and have designed our service with this in mind. By using this Site, you agree to the terms of this Privacy Policy. This Privacy Policy will address the following: • What information we collect from and about you; • What we do with the information we collect from or about you; • With whom we share the information we collect from or about you; • Relationships with third-party websites; • Security of this Site and the information we collect form you; • Our opt-out policy; • Changes to this Privacy Policy; and • How to contact us. This Privacy Policy only governs the collection and use of information provided by you to us through Site or otherwise. Any third-party advertiser from which you purchased a good or service though the Site or otherwise may maintain a separate privacy policy that governs the collection and use of your information as it relates to the provision of goods and/or services by them. Your California Privacy Rights: California law allows users of this Site that reside in California to know the third parties with whom we shared their personal information for those parties’ own marketing purposes. The type of information and instances in which we share such information is detailed in this Privacy Policy. However, if you are a resident of California and you would like to know the specific companies with whom we shared your personal information and the categories of the information we shared, you should please feel free to send us an e-mail at contactus@directhealth.com. Alternatively, you may send us a written request for such information to the following address: DirectHealth.com c/o TZ Insurance Solutions LLC 96 Linwood Plaza #323 Fort Lee, NJ 07024 Attention: Customer Service (California Privacy Rights) If you have any further questions about your rights under California law, you should send us an inquiry via the methods listed above. Information Collected: We collect information that you provide to us when you use this Site. In connection with your use of this Site, you may be required to provide us with certain information, including, without limitation, some or all of the following information: name, address, telephone number, email address, age and our web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails. When you use this Site, the server automatically recognizes you by your "cookie". This cookie acts as a unique identifier, which allows us to personalize this Site to your specified interests and allows us to keep track of your activity on this Site. Furthermore, we retrieve certain information from your browser, including, without limitation, your browser type, platform-dependent information, requested document, referrer URL, date and time of your visit. These categories of information, sometimes called "log-file data" or "clickstream data", are used to monitor this Site's performance, analyze traffic patterns and usage and ensure that the Site and the transactions performed through it function properly. We also currently may use third-party cookies and clear pixel GIFs (also referred to as "web beacons") to measure page views on this Site and responses to e-mails. These devices allow us to identify unique visitors to this Site, and act as a counter for ongoing monitoring of this Site, e-mail and corresponding future transaction activity related to a specific offer. These commonly used counters collect absolutely no personal information and, as always, this technology is only used to enhance this Site and make it more relevant to your personal interests. Use and Sharing of Information: We may use the information that you supply through this Site: • To fulfill, or allow our third-party insurance carrier or insurance agency partners to fulfill, your requests for insurance products and services; • To address problems with this Site; • To protect the integrity of the Site; and • For verification purposes. In connection with the solicitation and purchase of insurance products or services from our third-party insurance carrier or insurance agency partners, such insurance carriers may require that we transfer some or all of the information that you supplied to us. Additionally, we may create reports on user demographics and traffic patterns for our use and the use of our third-party insurance carrier or third-party insurance agency partners. We may include your personal information in those reports. This information allows our third-party insurance carrier or insurance agency partners to deliver, and our users to receive, more relevant insurance products and services. We reserve the right to release current or past user information (a) to our service providers to provide business, professional or technical support functions, including, without limitation, to provide you with insurance quotes; (b) in the event we reasonably believe that this Site is being or has been used to commit unlawful acts; (c) as necessary if we have reason to believe that such disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with our rights or property, other users of this Site, or anyone else that could be harmed by such activities (d) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law or as otherwise required by law or (e) if we are sold or acquired, through an asset sale, merger, corporate reorganization or otherwise. Moreover, you hereby consent to disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate, as permitted by law, including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time. Other Websites: This Site or other offers for goods and services that we may send to you may contain links to other third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase though one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices. Social Media Features and Widgets: Our Site may include Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. Security: We have taken certain physical, electronic, contractual and managerial steps to safeguard and secure the information we collect from Site visitors and other individuals. Please note, however, that it is your responsibility to maintain the confidentiality of your password associated with this Site, if any. In addition to using a variety of security technologies and procedures to protect your personal information generally, to the extent your Social Security Number ("SSN") is collected by us, we also take measures to maintain its confidentiality, to protect it from unlawful disclosure and limit access to it by unauthorized third parties. Specifically, we will not make your SSN available to the general public, print your SSN on any card, require your SSN to access products or services, require you to transmit your SSN on the Internet unless the connection is secure or the SSN is encrypted, or require you to transmit your SSN to access a web site without requiring additional authentication. Minors: Visitors under 18 years of age are not permitted to use and/or submit their personal information at the Site. We do not knowingly solicit or collect information from visitors under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. We will not be liable for any content or advertisements viewed by minor children in violation of the terms of this Privacy Policy. Opt-Out/Unsubscribe: To stop receiving future e-mail marketing communications from us, please send an e-mail to unsubscribe@directhealth.com or write to us at the address set forth at the end of this Privacy Policy requesting that we stop sending future e-mail marketing communications from us. To unsubscribe from an insurance carrier’s communications or cancel an insurance product purchased through offers made by us, you must contact such third-party directly. Changes to this Privacy Policy: We may amend this Privacy Policy from time to time. When we do, we will post the change on this Site. If we change the Privacy Policy in any material way, we will provide appropriate online notice to you. Contact Us: If you have any questions or suggestions regarding this Privacy Policy, you should feel free to e-mail us at contactus@directhealth.com or mail us at: DirectHealth.com c/o TZ Insurance Solutions LLC 96 Linwood Plaza #323 Fort Lee, NJ 07024 Attention: Customer Service (Privacy)
Terms and Conditions Close
Last updated: October 1st, 2014 The website www.directhealth.com (the “Site”) is operated by TZ Insurance Solutions LLC, a Delaware limited liability company, through a Service Agreement with DirectHealth.com, LLC, a Delaware limited liability company ("Company"). By visiting, using and/or submitting information to the Site, you agree to be bound by the terms and conditions of these Terms of Use (this "Agreement") and Company’s Privacy Policy (the “Privacy Policy”). Your Compliance with this Agreement You represent to Company that you have the capacity to be bound by this Agreement. In order to determine your compliance with this Agreement, Company may monitor your access to and use of the Site in accordance with Company's Privacy Policy. Your Access to and Use of the Site Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of this Agreement and the Privacy Policy. Access and use of the Site is free. Your access to and use of the Site may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that Company, in its sole discretion, may elect to take. Company reserves the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in its sole discretion and without prior notice. Any action by you that, in Company's sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site. You shall not metatag, provide links to or frame the Site without Company's prior express written permission. Your Access to and Use of Services on the Site Subject to the terms of this Agreement and the Privacy Policy, Company may offer you various services on or through the Site (the "Services"). Below are terms and conditions governing these Services. To use certain Services, you may be required to provide Company with information about you ("Your Information"). If you provide Your Information to Company, you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of Your Information changes. Company's collection, use and disclosure of Your Information is governed by this Agreement and Company's Privacy Policy. You agree to immediately notify Company of any unauthorized use of your password, any unauthorized use of any account that you may have with Company, any violation of this Agreement, or any other breach of security known to you in connection with any product or service available on the Site by sending an email to: contactus@directhealth.com. Transmissions, Submissions and Postings to the Site If you transmit, submit or post information (other than personal information) to the Site that is not Federally trademarked and/or copyrighted, you automatically grant Company and its affiliates and assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). Provided that you have obtained prior written permission from Company to transmit, submit or post information to the Site that is Federally trademarked and/or copyrighted, you automatically grant Company and its assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content. You shall not transmit, submit or post the following to the Site: • Information that infringes Company's or any third party's copyright, patent, trademark, trade secret or other proprietary rights; • Information that violates any law, statute, ordinance or regulation; • Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to Company or third parties or that infringes on Company's or any third party's rights of publicity or privacy; • Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; • Information containing or constituting chain letters, mass mailings, political campaigning, or any form of "spam"; • Information that is false, inaccurate or misleading; • Commercial advertisements or solicitations without written permission from Company; or • Federally trademarked and/or copyrighted information without written permission from Company. Although Company does not regularly review your transmissions, submissions or postings, Company reserves the right (but not the obligation) to edit, refuse to post or remove your transmissions, submissions or postings. Pursuant to the Privacy Policy, Company may review transmissions, submissions or postings made by you to determine, in its sole discretion, your compliance with this Agreement. You are solely responsible for all your transmissions, submissions or postings (i.e., your own user-generated Content) and the consequences of transmitting, submitting or posting them. Intellectual Property Rights Company's names, graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Company in the United States and/or other countries (collectively, the “Company Marks”). You may not use the Company Marks without the prior express written permission of Company, which permission may be withheld or restricted in Company's sole discretion. Company makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners. The information, advice, data, software and content viewable on, contained in, or downloadable from the Site (collectively, the "Content"), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, Company or its Content suppliers. Company also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the "Collective Work"). All software used on the Site (the "Software") is the property of Company or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software. You shall be solely responsible for any damage resulting from your infringement of Company's or any third party's intellectual property rights regarding the Company Marks, the Content, the Collective Work, the Software and/or any other harm incurred by Company or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement. Use of Content Company grants you a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity. Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission of Company, which permission may be withheld in Company's sole discretion. You may not use any meta tags or any other "hidden text" utilizing Company's name or trademarks without the express written permission of Company, which permission may be withheld in Company's sole discretion. Access and Interference The Site may contain robot exclusion headers. You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without Company's express written permission which may be withheld in Company's sole discretion. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in Company's sole discretion an unreasonable or disproportionately large load on Company's infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from the Site without the prior written permission of Company and the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iv) bypass Company's robot exclusion headers or other measures Company may use to prevent or restrict access to the Site. Notwithstanding the foregoing, Company grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose and solely to the extent necessary for creating publicly available search indices of the materials on the Site, but not caches or archives of such materials. Company reserves the right to revoke these exceptions either generally or in specific cases. You shall not collect or harvest any personally identifiable information, including account names, from the Site. You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of the Site without Company's express, written permission, which permission may be withheld in Company's sole discretion. Electronic Communications When you visit the Site or send email to Company, you are communicating with Company electronically. You consent to receive communications from Company electronically in response to your communication. Although Company may choose to communicate with you by regular mail, Company also may choose to communicate with you by e-mail or by posting notices on the Site. Unless prohibited by applicable law, you agree that all agreements, notices, disclosures and other communications that Company provides to you electronically satisfy any legal requirement that such communications be in writing. Equipment and Related Costs You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of the Site. Third-Party Links There may be provided on the Site links to other Web sites belonging to Company's advertisers, business partners, affiliates, Service Providers and other third parties. Such links do not constitute an endorsement by Company of those Web sites, nor the products or services listed on those Web sites. Company is not responsible for the activities or policies of those Web sites. Company does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. Company does not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Insurance Provider or other third party on the Site are the best terms or lowest rates available in the market. Mobile Devices If Company provides aspects of the Site via an application for your mobile or other device, please be aware that your carrier's normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such mobile application. Minors The Site is intended to be accessed and used only by adults and is not directed to minors. As stated in Company's Privacy Policy, Company does not knowingly collect personally identifiable information by anyone under the age of 18. No Representations or Warranties Regarding the Content The Content and all services and products associated with the Site are provided to you on an "as-is" and "as available" basis. Company makes no representations or warranties of any kind, express or implied, as to the operation of The Site or the information, content, materials, products or services included on or associated with The Site. You expressly agree that your use of The Site and all products and services included on or associated with The Site is at your sole risk. Company does not make any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the Content or the services and products associated with The Site, nor the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the Content or the services and products associated with The Site. It is your sole responsibility to independently evaluate the accuracy, correctness or completeness of the Content and the services and products associated with The Site. Company makes no representation, warranty or guarantee that the Content that may be available for downloading from The Site is free of infection from any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. The Site is controlled and offered by Company from Company's facilities in the United States of America. Company makes no representations that the Site is appropriate or available for use in other jurisdictions. If you access or use the Site from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law. Limitations on Liability Company shall in no event be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of: (i) your breach or violation of the terms and conditions of this Agreement; (ii) your access and use of The Site; (iii) your delay in accessing or inability to access or use the Site for any reason; (iv) your downloading of any of the Content or the Collective Work for your use; (v) your reliance upon or use of the Content or the Collective Work, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF COMPANY AND/OR ITS INSURANCE PROVIDERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. COMPANY'S LIABILITY AND THE LIABILITY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100. YOU SPECIFICALLY ACKNOWLEDGE THAT COMPANY SHALL NOT BE LIABLE FOR USER-GENERATED CONTENT OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM SUCH USER-GENERATED CONTENT AND THIRD-PARTY CONDUCT RESTS ENTIRELY WITH YOU. YOU AND COMPANY AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you. Indemnification of Company You shall defend, indemnify and hold harmless Company, its affiliates and their respective officers, directors, shareholders, managers, members, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by Company; (iii) your access or use of the Site; (iv) access or use of the Site under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own user-generated content); and/or (vi) any personal injury or property damage caused by you. Amendments Company reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon Company posting the updated Agreement on the Site. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes. Company's Remedies You acknowledge that Company may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, Company shall be entitled, in addition to all rights and remedies, to seek an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to seek a decree for specific performance of the provisions of this Agreement. For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Bergen County, New Jersey, or the United States District Court for the District of New Jersey located in Newark, New Jersey. You consent to the jurisdiction of such courts and waive any objection to the laying of venue of any such action or proceeding in such courts. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules. Governing Law You agree that: (i) the Site shall be deemed solely based in the State of New Jersey; and (ii) the Site shall be deemed a passive Web site that does not give rise to personal jurisdiction over Company, its affiliates and assigns, either specific or general, in jurisdictions other than the State of New Jersey. This Agreement is to be governed by and construed in accordance with the internal laws of the State of New Jersey, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Agreement shall be brought in the courts of record of the State of New Jersey located in Bergen County, New Jersey, or the United States District Court for the District of New Jersey located in Newark, New Jersey. You consent to the jurisdiction of such courts and waive any objection to the laying of venue of any such action or proceeding in such courts. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules. If you elect to access the Site from locations outside of the United States, you are responsible for compliance with all local rules that may apply to you, such as rules about online conduct, acceptable content, the use of email, the disclosure or transfer of personal information or use of the Internet. Access to the Site, material, submissions, or other content posted on the Site from countries, states, or territories where this material is illegal is prohibited. Miscellaneous If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement. The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. All covenants, agreements, representations and warranties made in this Agreement, as may be amended by Company from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement. This Agreement and the Privacy Policy represent the entire understanding and agreement between you and Company regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same. If you have questions, comments, concerns or feedback regarding this Agreement or the Site, please contact Company via any of the methods set forth below: • Via mail: DirectHealth.com – c/o TZ Insurance Solutions LLC, 96 Linwood Plaza #323, Fort Lee, NJ 07024; Attention: General Counsel; or • Via email: contactus@directhealth.com.com.