How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Create and manage your account.
• Deliver targeted advertising, newsletters, and other information regarding promotions and the Site to you.
• Email you regarding your account, quote request, or application.
• Fulfill and manage quote requests, applications, and other transactions related to the Site.
• Generate a personal profile about you to make future visits to the Site more personalized.
• Increase the efficiency and operation of the Site.
• Monitor and analyze usage and trends to improve your experience with the Site.
• Notify you of updates to the Site.
• Offer new products, services, and/or recommendations to you.
• Perform other business activities as needed.
• Respond to customer service requests.
• Identify anonymous website visitors for sales and marketing purposes.

Third-Party Technologies and Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including data analysis, email delivery, hosting services, customer service, and marketing assistance. The specific third-party services used on this Site are described below.

Insurance Applications and Carrier Disclosures

When you submit an application for a health insurance plan or healthshare program through ColoHealth, the personal information on your application is shared with the insurance carrier or healthshare organization of the plan for which you are applying, for the purpose of processing your application. We do not sell your personal information, and we do not share your email address with third parties for their own marketing purposes.

Consent Management (Cookiebot by Usercentrics)

We use Cookiebot, a consent management platform provided by Usercentrics A/S, to manage your cookie and tracking preferences. When you first visit our Site, Cookiebot presents a consent banner that allows you to accept or decline the use of cookies and tracking technologies. Cookiebot automatically scans our Site to detect cookies and trackers, categorizes them (necessary, preferences, statistics, and marketing), and blocks non-essential cookies from loading until you provide consent. Cookiebot stores your consent choice in a cookie called “CookieConsent” so that your preference is remembered on subsequent visits. Cookiebot may also collect your IP address (anonymized), consent status, browser type, date/time of consent, and the URL of the page where consent was given. This data is used to document and prove consent as required by law. For more information, visit Cookiebot’s privacy policy at https://www.cookiebot.com/en/privacy-policy/.

Website Analytics (Google Analytics 4)

We use Google Analytics 4, a web analytics service provided by Google LLC (“Google”), to help analyze how users use the Site. Google Analytics uses cookies and similar technologies to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated about your use of the website (including your IP address) is transmitted to Google servers in the United States. Google uses this information to evaluate your use of the website, compile statistical reports on website activity, and provide other services related to website activity and internet usage. Google may also transfer this information to third parties where required by law, or where such third parties process the information on Google’s behalf. For more information, visit Google’s Privacy Policy at https://policies.google.com/privacy.

Session Analytics and Heatmaps (Microsoft Clarity)

We use Microsoft Clarity, a behavioral analytics service provided by Microsoft Corporation, to better understand how visitors interact with our Site through session replays, heatmaps, and behavioral metrics. Clarity captures how you use and interact with the Site, including mouse movements, clicks, scrolls, and page interactions. Clarity uses first-party and third-party cookies and other tracking technologies to collect this data, which is transmitted to and stored by Microsoft. Microsoft uses this information to provide analytics services to us and, as described in its privacy statement, for its own purposes including improving its products and services. Form fields containing sensitive information are masked by default and are not captured in session recordings. This technology is managed through our Cookiebot consent banner and will not load until you provide consent. For more information, visit Microsoft’s Privacy Statement at https://privacy.microsoft.com/en-us/privacystatement.

Live Chat (Tawk.to)

Our Site uses Tawk.to, a live chat service provided by tawk.to inc., to allow you to chat with us in real time. When you use the chat widget, Tawk.to collects and processes the content of your chat messages, along with your name and email address if you provide them, your IP address, browser type, device information, geographic location, and the pages you visited on our Site. Chat transcripts may be retained by us and by Tawk.to for customer service, record-keeping, and quality assurance purposes. Please do not submit sensitive personal information (such as Social Security numbers, financial account numbers, or detailed health information) through the chat widget. By initiating a chat, you consent to the processing of your communications by Tawk.to. For more information, visit Tawk.to’s privacy policy at https://www.tawk.to/privacy-policy/.

CRM, Forms, and Email Marketing (HubSpot)

We use HubSpot, a customer relationship management (CRM) and marketing automation platform provided by HubSpot, Inc., to manage our contacts, process form submissions, send email communications, and analyze engagement with our Site and emails. Information you submit through forms on our Site (such as your name, email address, phone number, and any other information you provide) is stored and processed within the HubSpot platform. HubSpot also places cookies and tracking technologies that collect information about your visits to our Site, such as pages viewed and time of visit, which may be associated with your contact record to help us personalize our communications with you. HubSpot’s tracking technologies are managed through our Cookiebot consent banner. You may opt out of marketing emails at any time by clicking the unsubscribe link in any email we send. For more information, visit HubSpot’s privacy policy at https://legal.hubspot.com/privacy-policy.

Advertising and Retargeting (Meta Pixel & AdRoll)

We use the Meta (Facebook) Pixel and AdRoll to measure the effectiveness of our advertising, understand the actions people take on our website, and deliver targeted advertisements to you on other websites and platforms. These tools use cookies, web beacons, and other storage technologies to collect or receive information from our website and elsewhere on the internet, including your IP address, browser fingerprint, pages visited, and actions taken. This information is used to provide measurement services and target ads. These technologies are managed through our Cookiebot consent banner and will not load until you provide consent. You can opt out of the collection and use of information for ad targeting by visiting http://www.aboutads.info/choices or http://www.youronlinechoices.eu/.

Visitor Identification (Visual Visitor / Smart Recognition)

We use Visual Visitor, a visitor identification service, to identify anonymous website traffic for our internal sales and marketing purposes. This service collects your IP address, User Agent, current URL, display resolution, date and time of visit, cookies, and referrer information. Visual Visitor may use cross-device tracking and email hashing (SHA-256) to associate your visit with your name, email address, and other professional data points. This data is encrypted both in transit (TLS 1.2/1.3) and at rest (AES-256) and is used solely within the United States. To opt out of Visual Visitor tracking, you may contact us using the information provided at the end of this policy or visit Visual Visitor’s opt-out page.

Other Third-Party Services

Our Site also relies on the following services to operate:

• NitroPack: a website performance and caching service that processes technical data (such as your IP address and browser information) to deliver optimized pages quickly.
• Cloudflare: a security and content delivery network that processes technical data (such as your IP address) to protect the Site from malicious traffic and to deliver content efficiently.
• Instant quote engine: when you request a health plan quote, the information you enter is processed by our quoting platform to display available plans and pricing for your situation.
• Scheduling tools: when you schedule a consultation, the information you enter is processed by our appointment scheduling platform to book and confirm your appointment.
• Embedded content: pages on this Site may include embedded content from other websites (for example, videos or social media posts). Embedded content behaves as if you visited the other website directly, and those websites may collect data about you, use cookies, and monitor your interaction with the embedded content.