Privacy Policy

1. Who We Are

Coverage.Health is operated by HealthLink Insurance Agency, an Illinois-licensed insurance agency ("Company," "we," "us," or "our"). Our principal place of business is 2501 Chatham Rd Suite R, Springfield, IL 62704. We are reachable at support@coverage.health or 855-395-5001.

This Privacy Policy applies to all information collected through our website located at Coverage.Health, any related subdomains, lead forms, landing pages, and any other digital properties owned or operated by HealthLink Insurance Agency that link to this Policy (collectively, the "Services").

2. Information We Collect

We collect information in three ways: directly from you, automatically through technology, and from third parties.

2a. Information You Provide Directly

• Full name
• Phone number (including mobile)
• Email address
• ZIP code / street address
• Date of birth / birth year
• Household size and composition
• Estimated household income range
• Tobacco use status
• Coverage type preferences
• Gender (optional)
• Any other information you voluntarily submit through our forms or communications

2b. Automatically Collected Technical Information

When you visit our website, we and our third-party service providers automatically collect:

• IP address and approximate geolocation
• Device type, operating system, and browser type/version
• Pages viewed, links clicked, and time spent on pages
• Referring URL and exit pages
• Session and interaction data
• Advertising identifiers (e.g., Google Click ID, Microsoft Click ID, Meta Pixel identifiers)
• Cookie data and similar tracking technologies (see Section 7)

2c. Information from Third Parties

We may receive information about you from advertising networks, lead verification services, data enrichment providers, and analytics platforms. This information may be combined with information you provide directly.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To determine potential eligibility for health insurance plans and savings
• To connect you with licensed insurance advisors and partner agencies
• To provide plan information, quotes, and enrollment assistance
• To contact you via phone, SMS, email, or other channels in connection with your inquiry
• To verify the accuracy of information you provide
• To fulfill our legal and regulatory obligations as a licensed insurance agency
• To improve the performance, functionality, and user experience of our website
• To analyze advertising campaign performance and attribution
• To detect and prevent fraud, abuse, and security incidents
• To comply with applicable federal, state, and local laws

4. Sharing Your Information

We may share your personal information in the following circumstances:

4a. Licensed Agents and Partner Agencies

By submitting your information, you expressly authorize HealthLink Insurance Agency to share your information with licensed insurance agents and partner agencies for the purpose of reviewing your health insurance options and providing quotes. Partner agencies may contact you directly by phone, text, or email. All partner agencies are licensed in the states in which they operate and are independently responsible for their own compliance obligations.

4b. Insurance Carriers and Enrollment Platforms

We may share your information with health insurance carriers and federally facilitated or state-based Marketplace platforms when necessary to generate quotes, check eligibility, or assist with enrollment.

4c. Technology and Service Providers

We use third-party vendors to support our operations, including CRM platforms, call and SMS communication systems, email delivery services, website analytics providers, advertising platforms (including Google, Microsoft/Bing, and Meta/Facebook), and cloud hosting providers. These vendors access your information only as necessary to perform services on our behalf and are contractually prohibited from using it for other purposes.

4d. Legal, Regulatory, and Safety Disclosures

We may disclose your information to government authorities, regulators, or law enforcement when required by law, legal process, or court order; to protect the rights, property, or safety of our company, users, or the public; or to enforce our Terms of Service.

4e. Business Transfers

In the event of a merger, acquisition, sale of assets, or other business combination, your information may be transferred as part of the transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

We do not sell, rent, or lease your personal information to non-insurance third-party marketers.

5. TCPA Consent & Communications

By submitting your information on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) and applicable state laws for HealthLink Insurance Agency, Coverage.Health, licensed insurance agents, and authorized partner agencies to contact you at the phone number and email address you provided. This consent includes:

• Calls placed using an automatic telephone dialing system (ATDS)
• Calls using an artificial or prerecorded voice
• Text/SMS messages, including automated text messages
• Email communications

You understand that message and data rates may apply. You may receive multiple calls or texts. Your consent is not a condition of purchasing any product or service. You may revoke consent at any time by replying STOP to any text message, or by contacting us at support@coverage.health or 855-395-5001.

Do-Not-Call registry registration does not apply to calls or texts made pursuant to your express written consent. If you do not wish to be contacted, do not submit this form.

6. HIPAA Notice

Coverage.Health and HealthLink Insurance Agency are not a "covered entity" under the Health Insurance Portability and Accountability Act (HIPAA) with respect to initial insurance inquiries and lead generation activities. As a result, information submitted through our website forms is not necessarily protected by HIPAA. We encourage you to review the privacy practices of any insurance carrier with whom you ultimately enroll, as those entities may be subject to HIPAA.

7. Cookies & Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to operate and improve our website, analyze traffic, and serve relevant advertising. Specifically, we use:

• Google Tag Manager & Google Analytics — to measure website traffic and user behavior
• Microsoft Advertising UET Tag — to measure the performance of Microsoft Advertising campaigns
• Meta (Facebook) Pixel — to measure ad performance and serve targeted advertising on Meta platforms
• Session and functional cookies — to maintain your session and preferences

You may control cookie settings through your browser preferences. Disabling cookies may limit certain website functionality. Some advertising opt-outs are available at optout.aboutads.info and optout.networkadvertising.org.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Inquiry and lead data is generally retained for a minimum of five (5) years to satisfy insurance regulatory record-keeping requirements. You may request deletion of your data subject to applicable legal and regulatory retention obligations (see Section 9).

9. Your Rights & Choices

Depending on your state of residence, you may have the following rights:

All Users

• Opt out of marketing communications at any time
• Request access to the personal information we hold about you
• Request correction of inaccurate personal information
• Request deletion of your personal information (subject to regulatory retention requirements)

California Residents (CCPA / CPRA)

If you are a California resident, you have the following additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA):

• Right to Know — the categories and specific pieces of personal information collected, used, disclosed, or sold about you
• Right to Delete — request deletion of personal information we have collected, subject to certain exceptions
• Right to Correct — request correction of inaccurate personal information
• Right to Opt-Out of Sale/Sharing — we do not sell personal information to non-insurance third parties; we do share data with licensed agents and technology partners as described in this Policy
• Right to Non-Discrimination — you will not be discriminated against for exercising your privacy rights
• Right to Limit Use of Sensitive Personal Information — where applicable

To exercise your California rights, contact us at support@coverage.health. We will respond to verifiable requests within 45 days as required by law.

Other State Residents

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), Florida (FDBR), and other states with applicable privacy laws may have similar rights. Contact us at support@coverage.health to submit a request.

10. Do Not Sell or Share My Personal Information

We do not sell personal information to data brokers or non-insurance marketers. We share personal information with licensed insurance agents, partner agencies, carriers, and technology service providers solely for the purpose of fulfilling your insurance inquiry. This sharing is necessary to provide the services you request and is not considered a "sale" under applicable privacy laws.

If you would like to opt out of information sharing with partner agencies, contact us at support@coverage.health. Please note that opting out may prevent us from connecting you with a licensed agent.

11. Data Security

We implement industry-standard administrative, technical, and physical security measures to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include SSL/TLS encryption for data in transit, access controls, and secure data processing agreements with our vendors.

No security system is impenetrable. We cannot guarantee that your information will never be accessed, disclosed, altered, or destroyed in a breach despite our reasonable precautions. In the event of a breach affecting your information, we will notify you as required by applicable law.

12. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected information from a child under 13, we will take steps to delete such information promptly. If you believe we have collected information from a minor, please contact us immediately at support@coverage.health.

13. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and government Marketplace websites. We are not responsible for the privacy practices of those sites and encourage you to review their respective privacy policies before submitting any personal information.

14. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising out of or relating to this Privacy Policy, the collection or use of your personal information, or any communications from us or our partner agencies shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA), as further described in our Terms of Service. You waive any right to participate in a class action, class arbitration, or any representative proceeding with respect to privacy-related claims.

15. Governing Law

This Privacy Policy is governed by the laws of the State of Illinois, without regard to its conflict-of-law principles, except where superseded by applicable federal privacy law or the privacy laws of your state of residence.

16. Changes to This Policy

We reserve the right to update this Privacy Policy at any time and for any reason. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our Services following the posting of changes constitutes your acceptance of the revised Policy. We encourage you to review this page periodically.

17. Contact Us

For privacy-related inquiries, requests, or complaints, contact us at:

HealthLink Insurance Agency
2501 Chatham Rd Suite R
Springfield, IL 62704
855-395-5001
support@coverage.health