Broadpeak Insurance Services, LLC - Privacy Policy

Last updated January 29, 2025

Broadpeak Insurance Services, LLC (referred to as “us” or “we”), which owns simplyhealthinsurance.com, takes your privacy seriously and is committed to providing you with information to help you understand our privacy practices. This Privacy Policy (the “Policy”) discloses the privacy practices of our website, simplyhealthinsurance.com (the “Site”), as well as related products and services we may offer to you (collectively referred to as the “Services”). This Policy covers how Personal Information that we receive or collect about you is used or shared. By using our Site and Services, you agree to the terms of this Policy as they may be amended from time to time. If you disagree with the way that we collect and process Personal Information, please do not use this Site.

We treat data that identifies you, or reasonably can be linked to you, as “Personal Information.” Data that has been de-identified or aggregated so that it cannot reasonably be linked to you is not Personal Information, and we may use that data for any purpose. When we maintain and use de-identified data, we do not attempt to re-identify the data unless you have given us consent to maintain and use the data in identifiable form.

Personal Information We Collect From You

We may collect the following Personal Information about you:

• Contact Information, such as name, postal address, phone, and email address.
• Commercial Information, such as information relating to your purchases and use of our Services, including purchasing or consuming histories, tendencies or interests.
• Internet or Similar Network Activity, such as your IP address, browser type, operating system, and activity on our Site. We also collect Personal Information concerning your interaction with our advertising and other communications.
• Location Information, such as information collected automatically when you access our Site.
• Demographic Information, such as age or birthday, race or gender, sexual orientation, salary range, education, religious beliefs, marital status, occupation, or personal and online interests, if, for example, you provide the information via self-volunteered survey answer.
• Health Information, for example, if you voluntarily provide the information in an answer to a survey that we provide to you.
• Inferences drawn from other personal information, such as profiles reflecting your preferences, characteristics, predispositions, attitudes, and aptitudes.

How We Obtain Your Personal Information

We obtain your Personal Information in the following ways:

• From You: We obtain most of the Personal Information that we collect about you from you when you interact with our Site, including when you contact and communicate with us via forms contained on our Site and when you provide answers and information in response to surveys, quizzes, sweepstakes and contests.
• From Our Partners: We may obtain Personal Information about you from our service providers or other partners, including marketing partners in the course of assisting us to providing you with our Site or Services. We also may utilize third-party companies that utilize technology to independently document users' consent provided on our Site signifying agreement to be contacted by us or our partners. For more information about the data use and collection policies of these companies, please see the following privacy policies: (a) ActiveProspect, (b) Jornaya, (c) Microsoft Clarity. In addition, advertising agencies, advertising networks, and other companies who place ads on our Site may use tracking technologies to collect information about you.

Our Use of Personal Information

We may use your Personal Information as follows:

• Provide Our Products and Services: We use Personal Information to furnish our Services, including to process and fulfill your selection or purchase of our Services and to improve the quality, safety and security of our Site and the Services.
• Communicate with You: We use Personal Information to respond to communications, contact you about your transactions, promote our Services, provide other relevant information, and request information or feedback.
• Personalize Your Experience: We utilize Personal Information regarding your use of our Site, including to personalize and enhance your experiences.
• Internal Research: We use Personal Information to conduct internal research to develop, improve or repair our products, services or technology.
• Security or Fraud Prevention: We use Personal Information to: (1) prevent, detect, protect against, or respond to security incidents, (2) preserve the integrity or security of systems, and (3) protect our, your or others' rights, privacy, safety or property (including making and defending legal claims).
• Legal Compliance: We may use Personal Information to comply with applicable law or to comply with a lawful governmental request.

Retention
We strive to retain your Personal Information only for as long as reasonably necessary to fulfill the business or commercial purpose(s) for which we obtained the information or as otherwise required for us to meet our legal, regulatory or other compliance obligations.

Use and Disclosure of Sensitive Information
We do not use or disclose sensitive personal information, as defined by the California Consumer Privacy Act, as amended by the California Privacy Rights Act, for purposes other than those specified in Section 7027(m) of the California Privacy Rights Act regulations.

Our Sharing of Personal Information

We may share Personal Information with service providers who act on our behalf, our partners, or others operating at your direction or where legally necessary or appropriate.

• Legal Affiliates: We may share information with our subsidiaries and legal affiliates.
• Service Providers: We engage third parties to act as our service providers and perform certain tasks on our behalf in connection with our Site and Services. The tasks performed by service providers include: (1) processing and storing Personal Information; (2) assisting with marketing communications and advertising; (3) customer service assistance; and (4) providing technology services, including assisting with our Site. We may share all of types of Personal Information that we collect that are described above with service providers. We encourage service providers to take reasonable steps to ensure that they keep Personal Information confidential and only utilize Personal Information as permitted.
• Partners: We may partner with third parties to provide services and other offerings. For example, we may share your contact information with business partners related to content on our Site to provide you with information about products, services and special offers that may interest you. When you use our Site, we may share Personal Information with partners who match the information you share with online and offline marketing databases and those of its advertising partners for the purpose of enabling interest-based content and advertising by third parties unaffiliated with our Site. We also may share Personal Information with sponsors of surveys, quizzes, contests or sweepstakes so that they may contact you in conjunction with the survey, quiz, contest or sweepstakes. We take reasonable steps to ensure that the entities to which we share your Personal Information keep the information confidential and only use it as permitted.
• Other Legal Purposes: We also may share Personal Information: (1) with your consent, (2) to respond to subpoenas, court orders, or other legal process or otherwise as required or allowed by law or the competent governmental or judicial authorities; (3) to cooperate with law enforcement, government or regulatory entities, and safety or investigation authorities; (4) to protect our rights or property, or to protect the personal safety of users or the public; or (5) to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred.

Use of Cookies and other Tracking Technologies

Like many commercial websites, we analyze how visitors use our Site with "cookie" technology. A cookie is a small text file that is placed on your computer when you access our website and allows us to recognize you each time you visit the website. We may use cookies to (1) enhance or personalize your website usage and experience; (2) monitor website usage; and (3) improve the website and our services, including providing you with interest-based ads. If you choose, you can set your browser to reject cookies or you can manually delete individual cookies or all of the cookies on your computer by following your browser's help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features on our Site. Please note that browser-management tools for cookies are outside of our control, and we cannot guarantee their effectiveness.

We may also use web beacons (sometimes called single-pixel gifs, clear gifs or action tags) on our Site, in our emails, and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your visit to the website, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to our website. Web beacons help us analyze the behavior of visitors to our Site and measure the effectiveness of the Site and our advertising.

We may work with service providers and other third parties that help us track, collect and analyze the information collected in cookies and web beacons. We may combine the information we collect with other information we have collected from you or information from other sources.

Security of Your Personal Information

We use commercial reasonably physical, technical and administrative security measures to reduce the risk of loss, misuse, unauthorized access, and disclosure of data. Please note, however, that no security measures are perfectly secure, and we are unable to guarantee the security of your Personal Information.

Third Party Websites and Applications

Our Site may contain links to websites or applications hosted by third parties. This Policy only applies to websites and applications within our control and does not apply to any third party sources. Any data collected through third party websites or applications shall be subject to the privacy practices of the third party, and you should review the privacy policies of these third parties prior to sharing any data.

Your Rights and Choices Regarding Your Data

We give you certain choices regarding our use and disclosure of your Personal Information for promotional purposes. You may opt-out from receiving electronic communications from us by contacting us as detailed in the “Contact Us” section below. If you no longer want to receive promotional-related emails from us, you may opt-out according to instructions in such communications. Some of the advertisers and vendors that perform advertising-related services for us and our partners participate in the Digital Alliance Self-Regulatory Program for Online Behavioral Advertising. To learn more about how you can exercise certain choices, visit: http://www.aboutads.info/appchoices and http://www.aboutads.info/choices. Please note that if you opt-out of receiving marketing-related messages, we may still send you important administrative messages.

State Privacy Laws

State law provides residents in Calfornia, Colorado, Connecticut, Utah, and Virginia,  with the additional rights described below:

• The right to know what Personal Information we have collected, used, disclosed, and sold about you. To submit a request to know, click on this link to visit our web form.
• The right to request that we delete any Personal Information we have collected about you, subject to certain exceptions. To submit a request for deletion, click on this link to visit our web form.
• The right to request that we correct inaccurate personal information that we maintain about you. To submit a request for correction, click on this link to visit our web form.
• The right to a copy of your Personal Information. To submit a request for a copy of your Personal Information, please click on the link to visit our web form. 
• The right to opt out of the sale or sharing of your Personal Information. To submit a request to opt-out, please click on the link to visit our web form.

We have sold or shared Personal Information when engaging in personalized or targeted advertising. In connection with such advertising, we may share or sell the following categories of information with advertising networks and providers, advertisers, analytics providers, and social media networks, which may be considered a sale or share under state laws: Device information and identifiers, such as unique advertising identifiers and cookies, and IP address; usage information, such as browsing history; location information, such as city; and inference data.

When you submit a request to know or delete, we will verify your identity. We may ask for your email address or other information that we believe you will know that will allow us to verify that the request is coming from the person named in the request. If we are unable to appropriately verify your identity, your request may be denied. You also may designate an authorized agent to make a request on your behalf, subject to appropriate verification and other applicable legal requirements. Your authorized agent will need to provide documentation supporting the agent's authority to make the request on your behalf. We also may require you to verify your identity directly with us and confirm the request Your exercise of the above rights will have no adverse effect on the price and quality of our goods or services.

In addition to the rights described above, if you are a California resident, you may request information about our disclosure of personal information to third parties or affiliated companies for their direct marketing purposes. To make such a request, please contact us as set forth in the “Contact Us” section below.

Personal Information Concerning Children

Our Site is not intended for anyone under the age of 16. We do not knowingly collect Personal Information from individuals under the age of 13, unless the Personal Information is submitted with verifiable parental consent. We have no actual knowledge of selling or sharing Personal Information of minors under 16 years of age to non-affiliated third parties without affirmative consent.

Updates to the Policy

We may update this Policy periodically as we offer new products and services, and as our business, technology, and applicable laws change. You can determine when this Policy was last revised by referring to the “Last updated” referenced below. Any changes will become effective upon posting of the revised Policy.

Contact Us

Broadpeak Insurance Services, LLC
111 E. Atlantic Ave., Suite 200
Delray Beach, FL 33444
help@broadpeak.com

Last updated: January 29, 2024.