Privacy Policy

Last updated: March 29, 2026

1. Introduction

InstantHealthQuote.net ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. By using our website, you consent to the practices described in this policy.

2. Information We Collect

Personal Information

When you request insurance quotes through our website, we collect personal information including but not limited to:

• Full name (first and last)
• Email address
• Phone number
• Date of birth
• ZIP code and state of residence
• Gender
• Health status and tobacco use
• Insurance product interests and qualifying information
• Household income (for subsidy determination)
• Investment asset ranges (for annuity and financial product leads)

Automatically Collected Information

When you visit our website, we automatically collect certain information including your IP address, browser type, operating system, referring URL, pages visited, time spent on pages, and other usage data through cookies, web beacons, and similar technologies.

3. How We Use Your Information

We use the information we collect to:

• Match you with licensed insurance advisors who can provide quotes for the products you requested
• Contact you via phone, email, or text message regarding your insurance inquiry
• Verify and validate the information you provide
• Improve our website, services, and user experience
• Comply with legal obligations and regulatory requirements
• Maintain records of TCPA consent and TrustedForm certifications
• Prevent fraud and ensure the security of our platform

4. How We Share Your Information

We may share your personal information with:

• Licensed insurance agents and agencies: We share your inquiry information with licensed insurance professionals who can provide quotes and coverage for the products you requested. This is the primary purpose of our service.
• Service providers: We work with third-party vendors who assist us in operating our website, processing data, and delivering services (e.g., TrustedForm by ActiveProspect for consent certification).
• Legal compliance: We may disclose information when required by law, regulation, or legal process, or to protect our rights, privacy, safety, or property.

We do not sell your personal information to data brokers or unrelated third parties. All data sharing is limited to the purpose of fulfilling your insurance quote request.

5. TCPA Consent and Communications

By submitting your information through our quote form, you provide express written consent to be contacted by InstantHealthQuote.net and our licensed insurance partners via telephone, email, and text message, including through the use of automated technology, artificial or prerecorded voice messages, and SMS/MMS text messages, even if your number is listed on any Do Not Call registry. This consent is documented through TrustedForm certification. See our TCPA Policy for full details.

6. TrustedForm Certification

We use TrustedForm by ActiveProspect to document and certify consumer consent. Each form submission generates a TrustedForm certificate that records the consent language presented, the consumer's interaction with the page, timestamp, IP address, and session details. These certificates are retained for compliance purposes.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience, analyze website traffic, and support our marketing efforts. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

8. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include SSL/TLS encryption, secure data storage, access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Lead data and consent records are retained for a minimum of five years to support TCPA compliance documentation.

10. Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information:

• Right to access the personal information we hold about you
• Right to request correction of inaccurate information
• Right to request deletion of your information (subject to legal retention requirements)
• Right to opt out of certain data sharing
• Right to revoke consent for future communications

To exercise any of these rights, contact us at privacy@instanthealthquote.net or call 1-888-XXX-XXXX.

11. California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information is collected and how it is used, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information as defined under the CCPA/CPRA.

12. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.

14. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

InstantHealthQuote.net
Email: privacy@instanthealthquote.net
Phone: 1-888-XXX-XXXX