Privacy Policy
All Medigap policies must adhere to federal and state laws designed to protect you. Each Medigap policy must be clearly identifiable as “Medicare Supplement Insurance.” In most states, insurance companies are only allowed to sell “standardized” policies that are identified by letters.
All Medigap policies offer the same basic benefits. Certain policies will offer additional benefits. This allows for individuals to choose which the policy that best suits their personal needs. Medigap policies in Wisconsin, Massachusetts and Minnesota use alternate standardization methods.
Insurance companies decide the Medigap policies they desire to sell. However, state laws may affect the policies they are able to offer.
These rules apply to insurance carriers that sell Medigap policies:
- It is not necessary to offer every Medigap plan
- If an insurance company offers any Medigap policy then they must offer Medigap Plan A
- The insurance carrier must also offer either Plan C or Plan F
- The Medigap policies will only cover coinsurance once the deductible has been met. The exception to this would be if the Medigap policy specifically includes deductible coverage.
I. Introduction
YORTSHIP LLC, a company organized under the laws of Delaware and referred to as “the Company,” “Us,” “Our,” or “We” in this document, operates an online platform designed to offer insurance quotations, including those for car insurance, to individuals. We place a strong emphasis on respecting your privacy and are committed to protecting it through our adherence to this privacy policy. This policy is also complemented by the Privacy Notice for California Residents and is collectively referred to as “this Policy.”
This policy delineates the types of information that we may collect from you or that you may provide when you use our website (https://www.medigapinstantquotes.com) and the associated services we offer (referred to as “the Services”). It also elucidates our procedures for the collection, utilization, safekeeping, and disclosure of this information, irrespective of whether you are a guest or a registered user.
This Privacy Policy pertains to the information we gather:
- On our website, MEDINSTANT QUOTES.
- Through e-mail, text & other forms of electronic communication exchanged between you & MEDINSTANT QUOTES, as well as between you & the Company.
- When you engage with our advertisements & applications on third-party websites & services, provided that these applications or advertisements contain links to this Policy.
- Via third parties who opt to share information with us due to your utilization of our Services, which may include our partners from Medigap healthcare insurance companies.
It does not applicable to information collected by:
- MEDINSTANT QUOTES through offline channels or alternative means, including on any other site managed by the Company or any third party (including our affiliates and subsidiaries).
- Data gathered by third parties, including our affiliates and subsidiaries, via applications, content (including advertisements) that may be linked to or accessible from the Website, or through any interactions you have with our partners, such as the top supplemental insurance company, will not fall under the purview of this Policy unless that third party decides to disclose such information to us.
It’s important to read this Privacy Policy thoroughly to comprehend our policies and strategies regarding your personal Information and how we handle it. If you disagree with our policies & practices, please refrain from using our Website or any Services. By utilizing the MEDINSTANT QUOTES Website or its Services, you implicitly agree to adhere to this Policy. Be aware that this Policy may undergo changes periodically (refer to “Changes to Our Privacy Policy” below). Continuing to use our Website or Services after these changes imply your acceptance, so kindly check the Policy regularly for updates. Any capitalized provisions not described in this Policy hold the definitions given to them in our Terms of Use.
II. Children Under the Age of 15
Our Website and Services are designed for individuals aged 15 and above. We strictly discourage individuals under the age of 15 from providing any Personal Information (defined below) on our Website. We have put in place safeguards to prevent the inadvertent collection of Personal Information from individuals under the age of 15. If you are under 15 years old, please refrain from using our Website and refrain from engaging in activities such as registration, posting, or submitting any personal details. If we inadvertently gather Personal Information from a child under 15 without verified parental consent, we are dedicated to promptly removing this information. If you have reason to believe that we may have information about a child under 15, please do not hesitate to contact us using the provided contact details.
California residents under the age of 16 may have supplementary rights pertaining to the collection & sale of their information. For more detailed information, please refer to the section titled “Your California Privacy Rights” below.
III. Information We Gather About You & How We Gather It
Collected Personal Data: Within the scope of our Service, we gather personally identifiable data, denoted as “Personal Information.” This may encompass, but is not confined to:
- Full name, mailing address, email address, phone number, demographic characteristics (including gender and date of birth), and credit score.
- Insurance particulars, including your vehicle insurance provider and policy details.
- Family-related data, such as marital status.
- Particulars concerning your vehicle and driving history, such as vehicle make and model, accident-related information, and driver’s license status.
- Information related to homeowner status.
- Any other distinctive identifiers that allow for contact, whether online or offline.
Additional Collected Information: In addition to Personal Information, we may also collect supplementary information, collectively known as “User Information.” This may encompass:
- Information about you that does not individually recognize you, such as your credit score or vehicle details.
- Information you provide about a third party unrelated to the individual proposed for insurance coverage.
- Information about your internet connection, the devices used to access our site, and details about your usage.
You have the option to enjoy full access to our MEDINSTANT QUOTES Website and Services, even if you decide not to share the User Information detailed earlier. However, it’s important to note that opting not to provide specific User Information may result in the unavailability of certain Website features and Services. Additionally, functions like generating accurate insurance quotes may be impacted if specific User Information is omitted.
In situations where you furnish Information about individuals other than yourself, such as their name, date of birth, and gender, please rest assured that this data is exclusively utilized to fulfill your request for an insurance quote or any other designated purpose. If the concerned third party wishes to get in touch with us, they can reach out to us at the following address: privacy@medigapinstantquotes.com to ask that we take away this information from our database.
We gather this information through various means:
- Directly from You: When you willingly provide information to us.
- Automatic Collection: As you browse our website, we automatically collect information such as usage details, IP addresses, and data using cookies, web beacons, and similar technologies.
- From Third Parties: This includes data from insurance providers we partner with for quotes on our site and data from social network services used for website registration, subject to their policies.
Information You Grant to Us. The Customer Information we gather on or through our site MEDINSTANT QUOTES or Services may comprise:
- Data you enter on our website, such as during registration, service requests, or insurance applications.
- Communication records, including e-mail addresses, if you contact us.
- Survey responses were used for research.
- Transaction details from website or service use.
- Search queries made on our website.
If you choose to share information on our Website, such as through reviews or other contributions, please be aware of the following:
- User Contributions: Any information you provide to be posted on public areas of the Website or transmitted to other users or third parties (referred to as “User Contributions”) is done so at your own discretion.
- Posting at Your Own Risk: When you share User Contributions, you do so at your own risk. While we may have certain access restrictions in place, it’s important to understand that no security measures are foolproof or completely immune to breaches.
- Actions of Other Users: We have limited control over the actions of other users on the Website. This means that we cannot assure that your Contributions as the user will not be accessed or viewed by unauthorized individuals.
We Gather Data Through Automatic Data Collection Technologies, Including: While you explore and engage with our Website, we might employ automatic data collection techniques to gather specific details about your hardware, browsing behaviors, and trends. This may encompass:
- Details regarding your website visits encompass traffic statistics, location information, and the resources you access.
- Information pertaining to your device, computer, and internet connection, such as IP addresses and browser specifications.
- Analytics information, which is collected by third-party service providers. This data aids us in comprehending usage trends and user interactions.
Please be mindful that we lack control over how these service providers employ cookies and other tracking techniques. If you’d like to gain a deeper understanding of their methods and privacy policies, we recommend visiting their respective websites.
Utilization of Automatically Gathered Data: The data we automatically collect consists of statistical information and may encompass Personal Information. We may either store it separately or link it with Personal Information obtained through alternative means or provided by third parties. This information aids us in enhancing our Website and providing an improved and personalized service, which includes:
- Estimating the size of our audience and understanding usage trends.
- Keeping records of your preferences enables us to tailor our site to your specific interests.
- Expedite your search processes.
- Identifying you upon your return to our Website.
Technology. The technologies we may employ for automatic data collection encompass:
- Cookies (or browser cookies). Cookies are small records deposited on your system’s hard drive. You can opt to decline browser cookies by activating the applicable settings in your browser. However, if you prefer this choice, you may have limited access to specific parts of our Website. Unless you have configured your browser to reject cookies, our system will provide cookies when you visit our Website.
- Web Beacons. Within our Website pages and emails, you may encounter tiny electronic elements referred to as web beacons (also known as clear gifs, pixel tags, and single-pixel gifs). These components serve various purposes, such as counting users who have accessed specific pages or opened an email. They also aid in collecting relevant website statistics, such as monitoring the popularity of particular Website content and verifying the stability of our systems and servers.
IV. Third-Party Utilization of Cookies and Similar Tracking Technologies
Certain content or applications available on the Website are delivered by third parties, including advertisers, ad networks, servers, insurance companies, content providers, and application providers. These third parties may utilize cookies separately or in conjunction with web beacons & other tracking technologies to gather data about your interactions with our Website.
The information they gather could potentially be associated with your Personal Information, or they might compile information, which may include Personal Information, regarding your online interactions across different websites and various online services. This information could be used to present you with interest-based (behavioral) advertising or other tailored content.
It’s important to note that we do not oversee the tracking technologies employed by these third parties or how they utilize them. If you have any inquiries regarding a particular advertisement or other personalized content, we recommend reaching out directly to the accountable provider. For additional information on how you can opt out of receiving targeted advertising from various providers, please consult the “Choices About How We Use and Disclose Your Information” section below:
V. How We Utilize Your Information
Usage of Your Information. We employ, store, and process your data to offer and enhance our Services, ensuring a secure, safe, and trusted user experience. This encompasses the utilization of details we gather about you or that you give to us, including any Personal Information, for various purposes, such as:
- Displaying our Website and its content to you.
- We are supplying you with information, quotes, and other requested services.
- Fulfilling other purposes for which you provide the information.
- Sending you notifications related to your account.
- Enforcing our contractual rights and obligations that result from agreements between you and us, including our Terms of Use, Advertising Disclosure, and Privacy Notice for California Residents.
- Informing you about modifications to our Website or any goods or services we provide through it.
- Enhancing the Website and Services.
- Enabling your participation in interactive features on our Website.
- Responding to communications we receive from you.
- Resolving disputes.
- Safeguarding against or deterring fraudulent, illegal, or harmful activities.
- Any other reason explicitly stated when you provide the information.
We may also employ your User data to contact you regarding our own & third-party goods and services that may interest you. If you prefer that we do not use your information in this manner, you can indicate your preference by checking the relevant box on the data submission form (e.g., the Quote Request Form). For more details, please refer to the “Choices About How We Use & Disclose Your Information” section below.
The information we’ve collected from you may also be used to enable us to display advertisements to target audiences as per our advertisers’ preferences. While we refrain from disclosing your User Information for such purposes without your explicit consent, should you engage with an advertisement by clicking on it or interacting with it in any manner, the advertiser may presume that you fit their target criteria.
Regarding the retention of your information, we will keep it for the period required to provide you with our Services, sustain legitimate business operations, or assert, establish, or safeguard our rights.
The specific duration for which we retain your personal information hinges on the reason for its collection and how we employ it. Nonetheless, we will not uphold your personal information beyond what is necessary for our business objectives or legal obligations. Information associated with your account or our Services will be retained as long as you have an active account with us. If you choose to delete or deactivate your account, we will take reasonable steps to delete the associated personal information. Nevertheless, you acknowledge the possibility of retaining certain information for legal obligations or rights protection.
VI. How Your Data May Be Utilized by Supplemental Insurance Companies for Medicare
To provide more precise insurance quotes, insurance companies may require additional background information about you, such as consumer reports, to assess your insurance eligibility and pricing. These reports may also be used by insurance companies for ongoing maintenance of your insurance policy, such as updates, renewals, or extensions. The insurance company may involve third parties in obtaining these reports. Since the collection and use of such data fall under the privacy policies of the respective insurance companies and not our YORTSHIP privacy policy, we encourage you to carefully review those policies.
VII. Disclosure of Your Details
We may disclose aggregated & non-identifying details about our users without any restrictions.
We may reveal User Information gathered by us or provided by you, including information you share about third parties, in accordance with this Policy:
- To our affiliated companies, which include Compare Credit LLC and Sovereign Co. LLC.
- To insurance companies, their agents, or government-run entities.
- To third-party service providers and partners who assist our business operations, adhering to contractual obligations that mandate the confidentiality and specific use of personal information.
- In case of a sale or transfer, whether in bankruptcy, liquidation, or other similar proceedings, to a buyer or successor acquiring some or all of YORTSHIP’s assets. This may include personal details held by YORTSHIP about our site users.
- To convey your information to third parties for the promotion of their products or services to you, except if you have chosen to opt out of such disclosures. We enforce contractual commitments on these third parties to uphold the confidentiality of personal information and employ it exclusively for the stated objectives. Further information is available in the “Choices About How We Use and Disclose Your Information” section below.
- For the precise intent for which you initially furnished the information.
- For any other purpose that we explicitly reveal at the moment you provide the information.
- With your express consent.
We might also reveal your User Information and any details you’ve shared with us regarding third parties for the following purposes:
- To adhere to a court order, legal requirements, or applicable laws, including responding to government or regulatory inquiries.
- To ensure compliance with our Terms of Use and other contractual agreements, including our Privacy Notice for Residents of California.
- If we have a reasonable belief that disclosing information is necessary to safeguard the rights, assets, or safety of YORTSHIP, our clientele, or other parties. This may involve sharing information with external entities & organizations to prevent fraud & diminish credit risk.
Compliance with the Telephone Consumer Protection Act. If you furnish a mobile phone number as part of your contact details, YORTSHIP and/or the mentioned third parties may call your mobile phone number, potentially employing an automated dialing system, to share information related to insurance quotes or inquire about additional information necessary to provide a quote. By supplying a mobile phone number, you consent to receive calls at that number, regardless of whether you or another person has the phone at the time of the call. It’s important to note that agreeing to this arrangement is not a prerequisite for buying any products or services.
VIII. Options Regarding How We Utilize & Share Your Information
We are committed to providing you with choices concerning the User Information you furnish to us and that we gather. We have established mechanisms to empower you with the following control over your data:
- Tracking Technologies & Advertising. You can organize your web browser to discard all cookies or notify you when cookies are sent. Please be aware that if you disable or decline cookies, certain portions of this website may become inaccessible or function improperly.
- Promotional Communications from the Company; Revelation of Your Details for Third-Party Advertising. If you would rather not have your email address or contact details utilized by the Company to promote our products or services, whether our own or those of third parties or if you desire to abstain from having your User Information disclosed to unrelated or non-agent third parties for promotional intentions, you can take action by sending an email outlining your request to privacy@medigapinstantquotes.com. In case you have received a promotional email from us, you can also employ the “Unsubscribe” link within the email to decline such communications.
- We lack influence over the data collection and utilization practices of third parties for interest-based advertising. Nonetheless, these third-party entities might offer you means to opt out of having your information gathered or employed in this manner. You have the option to decline to receive targeted advertisements from Google by accessing https://adssettings.google.com/authenticated, and you can take similar actions with organizations affiliated with the Network Advertising Initiative (“NAI”) by exploring the NAI’s website.
Opting Out of Targeted Advertising: If you prefer that we do not utilize the information we collect, including the information you provide to us, for the purpose of delivering advertisements tailored to the preferences of our advertisers’ target audiences, you have the option to opt-out by sending an email to privacy@medigapinstantquotes.com.
California Residents’ Additional Privacy Rights and Options: California residents may have additional rights and choices concerning their personal information. Please check the “Your California Privacy Rights” section below for additional details.
IX. Our Response to "Do Not Track"
Currently, there is no established standard or consensus regarding how to address “do-not-track” signals that web browsers may transmit. Therefore, YORTSHIP does not at present take any specific actions in reply to these signals. However, you can opt out of the use of cookies by many advertisers to personalize advertisements to your preferences by visiting the appropriate links.
X. Accessing and Modifying Your Information
You have the option to review and make alterations to some of your User Information by logging into the Website and navigating to your account profile page.
Additionally, you can contact us via email at privacy@medigapinstantquotes.com to ask for access to, correct, or remove any User Information you have provided. If you request the removal of specific User Information, please be aware that we may need to delete your user account in certain cases. We may decline requests to modify information if we have reason to believe that the changes would violate any legal obligations or result in incorrect information.
Kindly be aware that in the event you remove your User Contributions from the Website, duplicates of these contributions may remain viewable in cached and archived pages, or other Website users may have duplicated or saved them. The appropriate utilization of information shared on the Website, including User Contributions, is governed by the rules stipulated in our Terms of Use.
California residents may have additional privileges and alternatives regarding their personal information. For more comprehensive information, please consult the “Your California Privacy Rights” section provided below.
XI. Your Privacy Rights in California
If you are a permanent resident of California, you may have additional rights under California law concerning the use of your personal information. For additional details about your privacy privileges in California,
XII. Security of Your Data
We have implemented an extensive range of security measures to safeguard your User Information from accidental loss & illegal access, use, modification, or revelation. All the details you provide to us are saved on our protected servers, protected by firewalls, and encrypted by SSL technology.
However, it’s crucial to note that the security of your information also relies on your actions. If we have provided you with a password or if you’ve chosen one to access specific parts of our website, it’s your responsibility to maintain the confidentiality of this password. We highly discourage the sharing of your password with anyone. Please exercise vigilance when divulging information in public sections of our website, such as message boards, as any data you disclose in those areas may become visible to all website users.
Despite our utmost efforts to safeguard your User Information, it’s crucial to recognize that transmitting information over the Internet is not completely foolproof. Even with our best security measures, we cannot provide an absolute guarantee of the security of User Information transmitted to our website. The transmission of any User Information is undertaken at your own risk. We cannot be held responsible for any breaches of privacy settings measures on the website.
XIII. Updates to our Privacy Policy
Our practice is to promptly post any revisions we make to our Privacy Policy on this page, along with a notice of the update on our website’s homepage. In cases where we introduce significant changes in how we handle User Information, we will notify you via e-mail using the primary e-mail address provided in your account or through a prominent notice on the homepage of our website. The last modification date of the Policy is indicated at the top of this specific page. It’s your responsibility to ensure that we have your current, active, and deliverable e-mail address and to periodically visit our website MEDINSTANT QUOTES and review this Policy for any updates or alterations.
XIV. Contact Details
For inquiries or comments related to this Privacy Policy & our privacy practices, please reach out to us at:
