Privacy Policy
Last modified: 2019-08-18
This Website (as defined below) is owned and operated by Multira, Inc., a Illinois Corporation (”Company” or “We”) headquartered in Chicago, Illinois.
We respect your privacy and are committed to protecting it through our compliance with this privacy policy (“Privacy Policy”).
The security of your personal information (as defined below) is our top priority. Except as described in this Privacy Policy or unless we are given permission by you, we will not sell or disclose your personal information to third parties.
This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit the SeniorCoverage.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Privacy Policy applies to information we collect:
• On this Website.
• In email, text, and other electronic messages between you and this Website.
It does not apply to information collected by:
• Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
• Any third party (including our affiliates and subsidiaries) including through any application or content (including advertising) that may link to or be accessible from or on the Website.
Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This Privacy Policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
• We help consumers shop for insurance and related products by connecting consumers and insurance carriers.
• We collect health, lifestyle, family history, and information which you may be personally identified, such as first and last name, date of birth, gender, postal address, email address, phone number or any other identifier by which you may be contacted online or offline (”personal information”).
• We may collect personal health information such as major health conditions, prescription medications you may be taking, whether or not you have been hospitalized in the past 5 years, and whether or not you have been treated by a doctor for a major health condition in the past year.
• Information that you provide by filing in forms on our Website. This includes information provided at the time of registering to use our Website or requesting further services.
• Records and copies of your correspondence (including email addresses), if you contact us.
• As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your browsing actions and patterns, in order for to help us improve our Website and to deliver a better service, including by enabling us to store information about your preferences, allowing us to customize our Website according to your individual interests, enhance security, speed up your searches, recognize you when you return to our Website.
The technologies we may use for this automatic data collection may include cookies (or browser cookies). Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile. Setting your browser to refuse cookies will disable the site from performing properly. Of course, if you prefer, you can give us a call at 1-844-MULTIRA and we can help you right over the phone.
A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Pages of our the Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
SeniorCoverage uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our partners for the duration of a campaign and are then removed from the site. These files enable an advertiser to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The cookie was placed by us or by another advertiser with explicit permission from SeniorCoverage. With these cookies the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address.
Of note, we do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide us.
How We Use Your Information
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We use information that we collect about you or that you provide to us, including any personal information:
• To determine which insurance companies and products best match your needs.
• To present our Website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To aid us in developing new services and to conduct research and analysis in order to maintain and improve our products and services.
• To alert you to product updates, special offers, updated information and other services.
• To contact you in response to your requests for information.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Website or any products or services we offer or provide though it.
A licensed representative will review your submission and, if necessary, either call or email you to clarify any issues and provide you with the information you request.
Disclosure of Your Information and Use of Your Information
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We do not sell any of your personal information to other companies. We will use and disclose your information only to fulfill the purpose for which you provide it.
SeniorCoverage may disclose personal information that we collect or you provide as described in this privacy policy only when you explicitly authorize us to begin the application process for the insurance policy and insurance carrier you choose. You will receive the formal paperwork to review and sign before any information will be disclosed to the carrier of your choice.
Any personal information gathered by SeniorCoverage is used only for the process of qualifying you for insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and sign. These authorizations are included with your application.
We may also disclose your personal information:
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms of use http://www.seniorcoverage.com/terms.php and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of SeniorCoverage, our customers, or others.
Marketing and Other Communications
When you submit or provide information to SeniorCoverage, you agree to receive email, fax, and other forms of communications from SeniorCoverage and those to whom you have authorized us to forward your personally information.
If you would like to opt-out of receiving promotional or marketing material from us in the future, please click the following link: http://www.seniorcoverage.com/terms.php or by following the unsubscribe link located at the bottom of each promotional or marketing email communication. Your decision to opt-out shall not preclude us from communicating with you regarding your existing or past relationship with us and shall not preclude us, including our employees, contractors and other representatives, from accessing and using the information you have provided in a manner that is not personally identifying (such as in aggregate or anonymous form).
If you do not wish to receive further communications from any person or entity (such as a Provider) to whom we have forwarded your information with your permission, you must contact them directly.
Accessing and Correcting Your Information
You may send us an email at [email protected] to request access to, correct or delete any personal information that you have provided to us. This will give you the opportunity to review your personal information or update us on a correction that needs to be made. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. We use this procedure to better safeguard your information.
Data Security to Protect Your Personal Information
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We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information submitted through SeniorCoverage.com is encrypted using SSL technology. This encodes and protects your information as it travels across the Internet. All personal information you supply is encrypted using a digital certificate from Network Solutions, a leading provider of Internet security technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Do Not Track Notifications
Changes to Our Privacy Policy
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It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website’s home page.
The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.
Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine Privacy Program, we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at https://www.bbb.org/online/consumer/cks.aspx?id=1080825165515.
Contact Information
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To ask questions or comment about this Privacy Policy, our privacy practices, our Website, or any other aspect of the services we offer, contact us at:
1-844-MULTIRA