Privacy Policy

Last Effective Date:  January 1, 2020

INTRODUCTION

This Website Privacy Policy (the “Privacy Policy”) addresses information collected by Andrews Wharton Inc. dba Healthy Access which powers Medicare Subsidies (“Company”; “we”; “us”; or “our”) when you visit https://medicaresubsidies.com (our “Website”).

OVERVIEW

We sell and share the Personal User Information we collect from you on this Website with third parties who will use that information to contact you about their own products and services. “Marketing Partners” are third party companies that are unaffiliated with us.

You do have choices about your information, the ability to opt-out of some uses and the right to contact us regarding your information. See the section below titled DATA ACCESS, YOUR CHOICES & OPT-OUT.

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, you should not use the Website. By accessing or using this Website, you agree to this Privacy Policy. If you have questions, you can always contact us using the information in the section below titled CONTACT US.

INFORMATION COLLECTION

The categories of information we may collect through this Website are:

(1) Personal User Information – such as a name, email address, physical address, telephone number and any other information that identifies you as an individual person.

(2) Non-Personal User Information – such as demographic information, general interests and information that has been aggregated or anonymized so that it does not identify you as an individual person.

(3) Browsing Information – such as information about your equipment, browsing actions, and patterns, information about your device and internet connection, including your IP address, operating system, and browser type, provided such information does not identify you as an individual person.

Personal User Information is only collected from you when you voluntarily provide it to us.

Browsing Information is automatically collected through various means such as cookies. “Cookies” are pieces of information that may be placed on your device by a service for the purpose of facilitating and enhancing your communication and interaction with that service. Many services use cookies for these purposes. We may use cookies (and similar items such as clear gifs, web beacons, tags, etc.) on our Website to customize your visit, to remember your preferences, to analyze how you use our Website and for other purposes to make your visit more convenient or to enable us to enhance our services. Cookies and similar items are not used by us to automatically retrieve Personal User Information from your device without your knowledge but may be used to store your login credentials. We may use both first and third-party cookies. First-party cookies are those set by us on your device. Third-party cookies (like those used by Google Analytics and social media platforms described below) are cookies that are set by a domain and party other than us.

We may use Google Analytics, which is a web analytics service provided by Google, Inc. (“Google”) and similar services to collect certain information relating to your use of the Website. Such services may use cookies to help the Website analyze how users use the Website. You can find out more about how Google uses data when you visit our Website by visiting “How Google uses data when you use our partners’ sites or apps”.

HOW WE USE AND DISCLOSE YOUR INFORMATION

Use by Company

We may use information that we collect from you or that you provide to us:

• To provide our Website and its contents to you;
• To personalize the content and experiences you receive;
• To provide you with information, products, or services that you request from us;
• To fulfill any other purpose for which you provided the information (such as sending you a free guide or other materials);
• To provide you with notices about our Website;
• To carry out our obligations and enforce our rights arising;
• In any other way we may describe at the time you provide the information; and
• For any other purpose with your consent.

Disclosures by Company

We may disclose and share your information that you provide as described in this Privacy Policy or otherwise with your consent:

Personal User Information – Sales and Sharing with Third Parties

We sell and share the Personal User Information we collect from you on this Website with third parties who will use that information to contact you about their own products and services. If you do not want your Personal User Information used this way, then please see the instructions in the section below titled DATA ACCESS, YOUR CHOICES & OPT-OUT.

Personal User Information – Other Uses

• To contractors, service providers, and other third parties we use to support our business, but such parties are only allowed to use the information for the benefit of us;
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which information held by Company about our Website users is among the assets transferred;
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request;
• With your consent;
• To enforce or apply our policies; and
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company, our users, partners or others.

Browsing Information

Browsing Information may be disclosed to any number of third parties and used for any number of purposes as long as it is not directly linked to your Personal User Information.

HOW THIRD PARTIES USE AND DISCLOSE YOUR INFORMATION

Our Website may have links, plugins and other interactions with third parties, such as social media platforms and other third parties who are not under the control of Company. In addition, the Website may have third party cookies (described above) from such third parties. We are not responsible for the privacy practices of any websites or services we link to on our Website, and you should read the privacy policies of each site you visit to determine what information that site may collect about you. If you have a previous relationship with a third party, such as a social media platform, then they may recognize you and combine information collected through this Website with information they already possess about you. As described in this Privacy Policy, we may work with social media platforms to target advertisements to you while you are on their services based on your visits to our Website.

DATA RETENTION

We will retain your information for as long as needed for us to manage and provide our services and for our reasonable business needs. Even if we delete some or all of your Personal User Information, we may continue to retain and use anonymous data previously collected.

DATA ACCESS, YOUR CHOICES & OPT-OUT

We provide you with choices regarding the information you provide to us.

Personal User Information

• Delete/Modify/Copy – If you would like to delete, modify or receive a copy of your Personal User Information, you may contact us at [email protected].
• Categories – If you would like to receive the categories of Personal User Information collected about you, the categories of sources from which the Personal User Information is collected, the purpose for collecting and selling the Personal User Information, the categories of third parties which whom we share the Personal User Information and the specific pieces of Personal User Information collected about you, then you may contact us at [email protected].
• Do Not Sell My Personal Information – If you would like us to simply not sell your Personal User Information to a third party, then you may opt out of such disclosures by sending an email to us at [email protected].

Browsing Information

• You may stop or restrict the placement of cookies on your device or flush them from your browser by adjusting your web browser preferences, in which case you may still use our Website, but it may interfere with some of its functionality. Further information on cookies is available at you would like to delete, modify or receive a copy of your Personal User Information, you may contact us at www.allaboutcookies.org.

Except for our service providers, we are not responsible for removing your information from the lists of any third party who has previously been provided with your information in accordance with this Privacy Policy.

CALIFORNIA RESIDENTS

The California Consumer Privacy Act (CCPA) provides California residents with the additional rights listed below.

Right to Know

You have the right to know and see what data we have collected about you over the past 12 months, including:

• The categories of personal information we have collected about you;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting your personal information;
• The categories of third parties with whom we have shared your personal information; and
• The specific pieces of personal information we have collected about you.

Right to Delete

You have the right to request that we delete the personal information we have collected from you. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

• Complete your transaction;
• Provide you a good or service;Perform a contract between us and you;
• Protect your security and prosecute those responsible for breaching it;Fix our system in the case of a bug;
• Protect the free speech rights of you or other users;
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interests that adheres to all other applicable ethics and privacy laws;
• Comply with a legal obligation; or
• Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

Other Rights

You can request certain information about our disclosure of personal information to third parties for their own direct marketing purposes during the preceding calendar year. This request is free and may be made once a year. You also have the right not to be discriminated against for exercising any of the rights listed above.

Exercising Your California Privacy Rights

To request access to or deletion of your personal information, or to exercise any other data rights under California law, please contact us using one of the following methods:

• Email:  You may write to us to exercise rights. Please include your full name, email address, phone number, and state of residence, along with the right you wish to exercise, so that we can process your request in an efficient manner. Please email us at [email protected].
• Phone:  You may phone us to exercise rights. Please include your full name, email address, phone number, and state of residence, along with the right you wish to exercise, so that we can process your request in an efficient manner. Please phone us at 1-866-I-OPT-OUT (1-866-467-8688) and enter Service Code 719.
• Web Form: You may complete the form below to exercise your rights. By submitting a web form request, the personal information that you provide will be used to determine what data, if any, is maintained within our systems.

Response Timing

We aim to respond to a consumer request for access or deletion within as soon as possible. If we require more time, we will inform you of the reason and extension period in writing.

Do Not Sell My Personal Information

By submitting a Do Not Sell My Personal Information Request, the personal information that you provide will be used to determine what data, if any, is maintained within our systems.

SECURITY

We take the security of our data and information seriously. We take what we believe are reasonable precautions to protect against unauthorized access to our systems and to prevent data from being disclosed to unauthorized parties. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure.

CHANGES TO OUR PRIVACY POLICY

We may change this Privacy Policy at our discretion at any time. If we do make any changes, such change will appear on this page of our Website. It is your responsibility to periodically review the Privacy Policy. The date the Privacy Policy was last revised is identified at the top of the page. Your continued using of the Website following any changes means that you have accepted, consent to, and agree to be bound by such revised Privacy Policy.

CHILDREN & MINORS

Our Website is not intended for minors under 18 years of age. No one under age 18 should provide any Personal User Information through the Website. We do not knowingly collect personal information from minors under 18. If we learn that we have collected or received personal information from a minor under 13 without verification of parental consent, we will delete that information. If you believe we might have any personal information either from or about a minor under 13, please contact us at [email protected].

UNITED STATES OF AMERICA

Our Website is maintained in the United States of America (“USA”) and is only intended for users in the USA despite the fact that the Website may accessible outside the United States. By using the Website, you authorize the export of Personal User Information to the USA and its storage and use as specified in this Privacy Policy. Information stored in the USA may be subject to lawful requests by the courts or law enforcement authorities in the USA.

CONTACT US

If you have any questions about this Privacy Policy, please contact us at [email protected].