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Privacy Policy Close

Last Updated: December 18, 2019

In this Privacy Policy (“Policy”), we describe how MG LLC d/b/a TRANZACT, a Delaware limited liability company, and our affiliated and subsidiary companies (collectively, “TRANZACT,” “we” or “us”) collect, use and otherwise process personal information about our customers and users of our websites and services.  

If you apply through the Services (defined below) for insurance offered by third party insurers with whom we work (each a “Third Party Insurer”), we will share your personal information with such Third Party Insurer so that they may evaluate and process your application.  The use of your personal information by a Third Party Insurer is subject to that Third Party Insurer’s applicable privacy policy and terms, not this one.

Overview of Categories of Personal Information Collected and Purposes of Use

This overview is intended to summarize key information about our information practices, which are further explained below. (Skip to full details). While the actual information we collect about you and our use of such personal information varies depending upon the nature of our relationship and interactions with you, below we provide an overview of the categories of personal information we collect about Users and the purposes for which we use such information. 

Categories of Personal Information Collected

(described in greater detail below).

Use of Personal Information

Name, contact information and other identifiers: identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.   

Providing our Services and related support

Protecting the integrity of the Services

Analyzing and improving the Services and our business

Personalizing the Services

Advertising, marketing and promotional purposes

Securing and protecting our business

Defending our legal rights

Auditing, reporting, corporate governance, and internal operations

Complying with legal obligations

 

Customer records: paper and electronic customer records containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.

Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.

Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.

Internet or Other Electronic Network Activity Information: including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.

Audio, Video and other Electronic Data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.

Employment history: professional or employment-related information.

Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).

Profiles and inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

California residents. If you are a California resident, please be sure to review the section Additional Information for California Residents below for important information, as required by California privacy laws, about the categories of personal information we collect and disclose and your rights under California privacy laws.

Scope

This Privacy Policy applies to the personal information that TRANZACT collects and processes about individuals related to our services, including users of any websites that we operate and which include this Privacy Policy (each a “Site”), individuals who speak with our representatives over the telephone in any of our call centers and/or individuals who submit their personal information to us in writing for the purpose of learning about the insurance products we offer (collectively, the “Services”).  This Privacy Policy does not apply to any third party websites, services, products or mobile applications maintained by other companies, which are linked to or from our Services.

By providing your information to us through the Services, or otherwise using any of our Sites or Services, you understand and acknowledge that TRANZACT may process your personal information in accordance with this Privacy Policy. If you do not want this Privacy Policy to apply to you, please do not use the Services or communicate with us via the Services. If required by applicable law, we will obtain your consent to our collection, use, transfer and disclosure of your personal information.

Personal Information Collected

The information we collect about individuals varies depending upon the circumstances and the Services used.  TRANZACT collects personal information directly from individuals, automatically related to the use of the Services, and in some cases, from third parties (such third parties that provide us with information about individuals who may be interested in our Services).

Information Collected Directly. We collect information that you provide to us when you inquire about or use our Services, request a quote, fill out forms or fields on the Sites, create or submit an application, request information from us, sign up for newsletters or our email list, participate in a survey or promotion, or when you otherwise communicate with us or request information from us, whether via the Site, telephone, email or other means. For example, you may be required to provide us with certain information, including, without limitation, some or all of the following information:

  • Name
  • E-mail address
  • Daytime telephone number
  • Evening telephone number
  • Cellular phone number
  • Zip Code
  • Year of Birth and/or
  • Other personal or company information reasonably required to use the Services.

In addition, if you decide to use the Services to apply for insurance offered by a Third Party Insurer, we may collect additional information as necessary to submit your application to such Third Party Insurer for processing.  This additional information may include gender, full address, birth date, government-issued identification number (such as a Driver’s License number, social security number or Medicare ID), credit/debit card number, financial account information, income and/or certain medical and health information.

Information Received from Third Parties. We may work with third parties who provide us with the name, contact details and other relevant information about potential customers, who may be interested in the Services, as well as third parties that assist us in updating or enhancing the information that we have collected about individuals.  The personal information we collect from third parties may be combined with the other information we have collected about individuals or demographic information obtained from secondary sources.  In addition, when we help an individual identify, apply for or obtain insurance from a Third Party Insurer, we may receive limited information back from Third Party Insurer when your Policy is issued (such as the date, term, premium amount, payment terms, etc.).

Information Collected Automatically. Our Sites use cookies, pixels, tags, log-files, and other technologies, which may be provided by third parties, to collect information about a user from their browser or device, including, without limitation, your browser type, device type, operating system, software version, phone model, phone operating system, platform-dependent information, requested document, referring URL, date and time of your visit, clickstream data (e.g., about the pages you view, links you click and date and time stamps for your activities on our Sites) and the IP address associated with your transactions in the system. This information that we collect automatically may be linked with other personal information we have collected.  For more information, see the Cookies and Analytics section below.

Use of Personal Information

We may use the personal information that we collect about you for the following purposes:

  • Providing our Services and related support: including to confirm, process, or otherwise complete a transaction or transactions requested by you; help fulfill your requests for products and services; to communicate with you about you use of our Services; to respond to your inquiries; to facilitate your application for one or more Policies; to provide troubleshooting and other technical support; submitting your credit card or other payment information when ordering and/purchasing products or services through the Services; and for other customer service and support purposes.  
  • Protecting the integrity of the Services: including to verify your identity; to detect and prevent fraud and unauthorized activities; to facilitate software; to preserve the integrity of the Services and our systems, and prevent unauthorized access and activities; to enforce our applicable terms; and to protect the rights and safety of others
  • Analyzing and improving the Services and our business: including to better understand how users access and use our Services; to evaluate and improve the Services and our business operations; to develop new features, offerings and services; to conduct surveys and other evaluations; and for other research and analytical purposes.  
  • Personalizing the Services: including to tailor content we send or display on our Sites and Services (e.g., for your geographic area); to offer personalized help and instructions; and/or to otherwise personalize your experiences with the Services.  
  • Advertising, marketing and promotional purposes: including to send or display targeted marketing and advertising on the Site, via email, direct mail, telephone, or across other websites, mobile applications, social media or other online services from us or on behalf of our partners and affiliates; to reach you with more relevant ads and to evaluate, measure and improve the effectiveness of our ad campaigns; to contact you about our Services, and/or those of our affiliates, as well as other information we think may interest you; and/or to share your information with third parties so that they may contact you with information about products and services you may be interested in. Where required by applicable law, we will obtain your consent to use your personal information for marketing and related purposes.   We do not use personal information that you provide us on your insurance application(s) for marketing or advertising purposes.
  • Securing and protecting our business: including to protect and secure our business operations, assets, Services, network and information and technology resources; to investigate, prevent, detect and take action regarding fraud, unauthorized access, situations involving potential threats to the rights or safety of any person or third party, and/or other unauthorized activities or misconduct.
  • Defending our legal rights: including to manage and respond to actual and/or potential legal disputes and claims, and/or to otherwise establish, defend or protect our rights or interests, including in the context of anticipated or actual litigation with Users or third parties.  
  • Auditing, reporting, corporate governance, and internal operations: including relating to financial, tax and accounting audits; audits and assessments of our operations, privacy, security and financial controls, risk, and compliance with legal obligations; our general business, accounting, record keeping and legal functions; to maintain appropriate business records; to enforce company policies and procedures; and/or related to any actual or contemplated merger, acquisition, asset sale or transfer, financing, bankruptcy or restructuring of all or part of our business.
  • Complying with legal obligations: including to comply with the law, our legal obligations and legal process, such warrants, subpoenas, court orders, and/or regulatory or law enforcement requests.

Disclosure of Personal Information

We may share or disclose the personal information we collect as follows:

  • Subsidiaries and Affiliates: We may share your information with our affiliated companies (i.e., companies under common ownership, control or management with us) for business, operational, promotional and marketing purposes.
  • Service providers: We may disclose personal information with third-party service providers who use this information to perform services for us, such as hosting providers, auditors, advisors, consultants, customer service and/or support providers.
  • Third Party Insurers: If you request a quote, services or information from a Third Party Insurer or request that we match your request with relevant Third Party Insurer (each, a “Request”) or submit an application to a Third Party Insurer (an “Application”), we may share your personal information with that Third Party Insurer. The Third Party Insurer may further disclose, share and use any personal information provided by you in connection with your Request or Application, subject to the Third Party Insurer’s own privacy policy and applicable terms.

IF YOU MAKE A REQUEST OR SUBMIT AN APPLICATION, YOU ACKNOWLEDGE, UNDERSTAND AND CONSENT TO OUR DISCLOSURE OF YOUR PERSONAL INFORMATION THE RELEVANT THIRD PARTY INSURER(S) WHO MAY CONTACT YOU DIRECTLY VIA TELEPHONE, FAX, AND/OR EMAIL; YOU MAY RECEIVE TELEPHONE CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY. 

  • Other third parties: We may disclose your information to our sponsors, partners, advertisers or other third parties to provide you with product information and promotional and other offers. This information may be used by such third parties for those parties’ own purposes, such as to offer products or services that may interest you. For example, we may share personal information with third parties that provide advertising, campaign measurement, online and/or mobile analytics, and related services.  These third parties may receive or access as browsing and/or other data about your use of the Services, in order to help us better reach individuals with relevant ads and/or measure our ad campaigns, and/or to better understand how individuals interact with our Site and online services overtime and across devices.  We may also transfer and/or sell personal information we collect and/or join together with other businesses to bring selected opportunities to customers or potential customers.  We do not share personal information from your insurance application with third parties for marketing or advertising purposes.
  • Business transfers: We may disclose and/or transfer personal information as part of any actual or contemplated merger, sale, transfer of assets, acquisition, financing and/or restructuring of all or part of our business, bankruptcy or similar event, including related to due diligence conducted prior to such event where permitted by law.
  • Legally required: We may disclose personal information if we are required to do so by law (e.g., to law enforcement, courts or others, e.g., in response to a subpoena or court order).
  • Protect our rights: We may disclose personal information where we believe it necessary to respond to claims asserted against us, to comply with legal process (e.g., subpoenas or warrants), enforce or administer our agreements and terms, for fraud prevention, risk assessment, investigation and/or to protect the rights, property or safety of Tranzact, our clients, our customers and/or others.

Anonymized and Aggregated Data. We may share aggregate or de-identified information with third parties for research, marketing, advertising, analytics and/or other purposes.

Cookies and Analytics  

We use cookies, pixels, tags, and other technologies, which may be provided by third parties,  on our Sites to enable certain functionality and for security and fraud detection and prevention, as well as to collect usage information about our Sites and the emails that we send and to personalize content and provide more relevant ads and information. We may combine the information we collect via these technologies with other information, including personal information, that we collect.

Cookies. Cookies are alphanumeric identifiers that are transferred to your computer through your web browser for record-keeping purposes. Some cookies enable you to log-in to our Sites or save certain settings and preferences, while others, allow us to track usage and activities on our Sites, personalize content on our Sites, or deliver more relevant ads on our Sites and third party sites.  Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The “Help” tab on the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether.  If you disable cookies, however, certain features on our Sites may not be available or function properly.

Pixel tags and embedded script (aka clear GIFs and web beacons). Pixel tags are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, pixel tags are embedded invisibly on web pages. We may use these, in connection with our Sites to, among other things, track the activities users of our Services, improve ads, personalize and manage content, and gather usage information about our Sites. We may also use these in HTML emails to, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

Do-Not-Track signals: Please note that our Sites do not recognize or respond to any signal which your browser might transmit through the so-called 'Do Not Track' feature your browser might have. If you wish to disable cookies on our Services, you should not rely on any 'Do Not Track' feature your browser might have. For more information about do-not-track signals, please click here.

Interest-based Advertising:

We work with third party ad networks, channel partners, measurement services, analytics and others (“third party ad companies”) to display advertising on our Services, and to manage or measure our advertising on third party sites, social media platforms, mobile apps and online services, as well as to send you promotional materials or offers via email or direct mail. We and these third party ad companies may use cookies, pixels tags, and other tools to collect activity information on our Services (as well as on third party sites and services), as well as IP address, device ID, cookie and advertising IDs, and other identifiers, general location information, and, with your consent, your device’s geolocation information; we and these third party ad companies use this information to provide you more relevant ads and content and to evaluate the success of such ads and content.  

Custom Lists and Matching.  We may create and disclose hashed customer list information (such as name and email address) with third parties—such as Facebook and Twitter—so that we can better target ads and content to you and others with similar interests, within these third party services. These third parties use the personal information we provide to help us target ads and to enforce their terms, but we do not permit them to use or share the data we submit with other third-party advertisers.

Opt Out of Targeted Ads. You may control how participating third party ad companies use the information that they collect about your visits to our Sites, and those of third parties, in order to display more relevant targeted advertising to you; for more information and to opt-out of go to:

Opting out of participating ad networks does not opt you out of being served advertising. You may continue to receive generic or “contextual” ads on our Services. You may also continue to receive targeted ads on other websites, from companies that do not participate in the above programs.

Your Choices

If you need to update your contact details or other personal information provided to us, please contact us as set forth in the Contact Us section below.  California residents have certain rights, under California privacy laws, regarding their personal information, which are set forth below, in the Additional Information for California Residents section below.

Marketing: As noted above, we may use your contact to send you information about us and to keep you informed of our other products and services, and/or those of our affiliates, which may be of interest to you.  By submitting your e-mail address at this Site, you agree to receive e-mail marketing from us and our third-party advertisers. In addition, you agree that such act constitutes a purchase and/or an inquiry or an application for purposes of the Telemarketing Sales Rule, 16 C.F.R. § 310 et seq., as amended from time to time (the “TSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s or a State’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the TSR and applicable States’ laws, rules and regulations. Moreover, by requesting information from us or a third-party advertiser at or through this Site, such action constitutes a purchase and/or an inquiry or an application with the respective third-party advertiser for purposes of the TSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third-party advertiser in accordance with the TSR.

Communications Preferences: You may opt out of marketing communications from us as follows:

Email: To stop receiving future e-mail marketing communications from us, please send an e-mail to unsubscribe@tranzact.net 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.

Direct Mail: If you do not want us to send you any promotional offers through direct mail, you may write to us at the address set forth in the “Contact Us” section of this Privacy Policy requesting that we stop sending future direct mail marketing communications from us. 

Phone: If you do not want to receive marketing phone calls from us, you may: (i) call us at 1-844-909-1563; (ii) ask to be placed on our Do Not Call list when you receive a call from us; (iii) write to us at the address set forth in the “Contact Us” section of this Privacy Policy requesting your telephone number to be placed on our Do Not Call list; or (iv) email or mail us at dnc@tranzact.net and provide the telephone number you wish to have placed on our Do Not Call list.

To unsubscribe from a Third Party Insurer’s communications, you must contact such Third Party Insurer directly. 

Interest Based Ads: To opt-out of certain targeted advertising, follow the instructions set forth in the Interest Based Advertising section above.

Third Party Links and Websites

Our Sites 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 through 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.

Security

We have taken certain physical, electronic, contractual and managerial steps to safeguard and secure the personal information we collect. 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, 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 website without requiring additional authentication.

Minors

Our Services are not designed for individuals under 18, and we do not knowingly solicit or collect information from individuals 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.

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 contact us at privacy@tranzact.net or at:

TZ Insurance Solutions LLC

96 Linwood Plaza #144

Fort Lee, NJ 07024

Attention: www.medicareadvantage.com

IMPORTANT ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS ONLY

In this section, we provide information for California residents, as required under California privacy laws, including the California Consumer Privacy Act (“CCPA”), which requires that we provide California residents certain specific information about how handle their personal information, whether collected online or offline. 

This section does not address or apply to our handling of personal information that is subject to an exemption under Section 1798.145(c) – (f) of the CCPA, such as protected health information that is subject to HIPAA or the California Medical Information Act, or publicly available data lawfully made available by federal, state or local government records.  This section also does not apply to personal information we collect about job applicants, independent contractors, or current or former full-time, part-time and temporary employees and staff, officers, directors or owners of TRANZACT. This section also does not apply to personal information we collect about non-California residents.

Categories of Personal Information that We Collect, Disclose, and Sell

The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we collect, sell, and disclose to others for a business purpose.  We collect these categories of personal information from the sources described in the Personal Information Collected section above, and for the purposes described in the Use of Personal Information section above. Our collection, use and disclosure of personal information about a California resident will vary depending upon the circumstances and nature of our interactions or relationship with such resident. 

Categories of personal information

Do we collect?

Do we disclose for a business purpose(s)

Do we sell?

Name, contact information and other identifiers: identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers (e.g., related to leads and referrals).  

Yes

Yes

Yes

Customer records: other paper and electronic customer records (e.g. associated with your application for insurance offered by Third Party Insurer)  containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.  

Yes

Yes

No

Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.

Yes

Yes

Yes

Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.

Yes

Yes

Yes

Usage data: internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.

Yes

Yes

Yes

Audio, video and other electronic data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.

Yes

Yes

No

Employment history: professional or employment-related information.

Yes

Yes

No

Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).

Yes

Yes

No

Profiles and Inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

Yes

Yes

Yes

California Resident Rights

California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.

Right to Opt-out of Sale of Personal Information:  California residents have the right to opt-out of our sale of their personal information. Opt-out rights can be exercised by clicking here. We do not sell personal information about residents who we know are younger than 16 years old without opt-in consent.

Verifiable Requests to Delete and Requests to Know: Subject to certain exceptions, California residents have the right to make the following requests, at no charge:

Request to Delete: California residents have the right to request deletion of their personal information that we have collected about them and to have such personal information deleted, except where an exemption applies. 

Request to Know: California residents have the right to request and, subject to certain exemptions, receive a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance.  California residents also have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:

  • categories of personal information collected;
  • categories of sources of personal information;
  • business and/or commercial purposes for collecting and selling their personal information;
  • categories of third parties/with whom we have disclosed or shared their personal information;
  • categories of personal information that we have disclosed or shared with a third party for a business purpose;
  • categories of personal information collected; and
  • categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.

California residents may make Requests to Know up to twice every 12 months.

Submitting Requests. Requests to Know, and Requests to Delete may be submitted:

  • Submitting a request to us here
  • By contacting us at 1-800-275-9761 (toll free)

We will respond to verifiable requests received from California residents as required by law.    

Right to Non-Discrimination: The CCPA prohibits discrimination against California residents for exercising their rights under the CCPA. Discrimination may exist where a business denies or provides a different level or quality of goods or services, or charges (or suggests that it will charge) different prices,  rates, or penalties on residents who exercise their CCPA rights, unless doing so is reasonably related to the value provided to the business by the residents’ data.   

Financial Incentives: A business may offer financial incentives for the collection, sale or deletion of California residents’ personal information, provided the incentive is not unjust, unreasonable, coercive or usurious, and is made available in compliance with applicable transparency, informed consent, and opt-out requirements. California residents have the right to be notified of any financial incentives offers and their material terms, the right to opt-out of such incentives at any time, and may not be included in such incentives without their prior informed opt-in consent.  We may make available educational materials that may be useful to individuals who are shopping for a specific type of insurance in exchange for an individual providing us their personal information and agreeing to be contacted about our and third party products and services.  You may opt out of marketing communications from us at any time, as set out in the Your Choices section above.

For more information about our privacy practices, you may contact us at privacy@tranzact.net.

Your California Privacy Rights Under the Shine the Light Law

  • California law allows individuals 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 may submit a written request for such information to us at privacy@tranzact.net.
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.