HealthInsuranceOutlet.com’s Privacy Policy

This HealthInsuranceOutlet.com Privacy Policy discloses the information privacy practices for the website www.healthinsuranceoutlet.com.  The website is owned and fully operated by Navali & Company.  And all insurance products are offered and sold through Navali & Company Insurance Services. 

We do not sell, trade or give away your personal information to anyone.

• We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.

• Insurance Companies Systems and Third Party Quoting Engine

• If you submit an application for an insurance product offered by us, we will connect you directly to the insurance carrier site so you can proceed with the application and complete on the insurance carrier system.  Our website will help guide you there and the application itself will be completed on their system. We use Qoutit.com for our quoting system and the quotes supplied for you to compare.  For more information about Quotit, please visit www.quotit.com.

 

• Legal Obligations.

• We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Outside of these exceptions, we will not share your personal information with third parties.

• We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

• Applying for Health Insurance and Other Products.

• If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This process is done through our third party quoting company, quotit.com.  This information will be used by your chosen insurance company, agent or HSA trustee or administrator to process your application.

 

• Providing you with a quote or processing your application.

 

• We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

 

• Customer satisfaction, referrals and other products.

• We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

• We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

• Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state.
• We use anonymous information primarily for marketing purposes and to improve the services we offer you.
• We may use "Cookies," "Clear Gifs," "Internet Protocol" addresses and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.

 

• We protect the confidentiality and security of your personal information.

• We maintain physical, electronic and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below.

 

• We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

• If you want to correct or update your contact information, you may contact us by email at info@healthinsuranceoutlet.com.
• Please note that once your application has been submitted to your chosen health insurance company, you may have to contact the insurance company directly to update your application.

 

• We will provide notice of changes in our information privacy practices.

• If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change.

 

• You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.

• We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
• If you want to opt out of these surveys and/or notices, you may contact us by email at info@healthinsuranceoutlet.com or at Customer Service, Navali & Company, 11601 Wilshire Blvd, Suite 500, Los Angeles, CA 90025
• Please note that you will still receive communications from us regarding your insurance quote, application or policy even if you opt out of receiving our surveys and/or notices of additional products and services.

 

• We are available to answer any questions you may have about our privacy policy or our information privacy practices.

• If you have any questions, please email us at info@healthinsuranceoutlet.com.

 

• This privacy policy applies to this website, and may not apply to other websites that are owned and/or operated by Navali & Company.

• The information privacy practices described in this privacy policy apply only to applications initiated on this website. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy. Additionally, all of the anonymous information collected from this website shall be governed by this privacy policy.
• If you are returning to complete an application that you initiated on another website that is owned or operated by Navali & Company (e.g., a partner co-branded website), this privacy policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us.
• If you want your personal information to be subject to the information privacy practices described in this website's privacy policy, you may initiate a new application on this website.

Additional Information About Privacy and Security at HealthInsuranceOutlet.com

"Cookies" and "Clear Gifs"

"Cookies" are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about the quotes you've requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes and applying for an insurance policy.

"Clear gifs" are tiny graphics with a unique identifier, similar in function to cookies, that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies. We do not collect any personal information from clear gifs. Further, no information we collect from clear gifs can be linked back to your personal information.

We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer our website, improve our website's performance and to report website traffic. These web analytics services use cookies, clear gifs and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally identifiable information from website visitors.

Browsers and Internet Security

You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Internet Explorer or Netscape Navigator, you will see either a lock or a key. When the padlock is in the locked position, your session connection is taking place via a secure server.

If you need a strong encryption browser, you can go to the Microsoft website or the Netscape website to download the latest Internet Explorer or Navigator browser. We do not recommend the use of beta browser versions.

Your Password and Other Security Issues

The password you enter when you begin an application on our website is your private entry key into your application. If you are returning to your application, it is run through our third party quoting company, www.quotit.com.

If you forget your password, we can send your password through email (provided that you gave us your email address as your user ID when you created an account on our website) or we can help you retrieve your password by emailing us at info@healthinsuranceoutlet.com

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are "clicking" to another website. HealthInsuranceOutlet.com is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.