Last Modified: December 1, 20251

INTRODUCTION

Tommy Quotes Insurance Services, Inc., a California corporation, (“We” or “Tommy Quotes”) respects your privacy. This policy (our “Privacy Policy”) describes the types of information we collect from you or that you provide when you visit the https://medicalinsurancetoday.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. Our Website and services are operated in the State of California, USA, but can be accessed worldwide. However, our target audience is solely California residents, age 18 and older. Tommy Quotes Insurance Services, Inc. is exempt from the California Consumer Privacy Act due to web traffic and business activities below the regulatory threshold. In addition, while limited information is collected from the website, certain submissions from customers via the emailed web-form may be subject to the privacy requirements of other law, such as the Gramm-Leach-Bliley Act (GLBA), (15 U.S.C. §§ 6801–6809) and the California Insurance Information and Privacy Protection Act (Cal. Ins. Code § 791 et seq.). If so, customers’ rights thereunder are covered by Tommy Quotes’ Notice of Information Practices provided separately per Cal. Ins. Code § 791.04

Scope of This Policy

  • This policy applies to information Tommy Quotes collects:
  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Privacy Policy.

This policy does not apply to information collected by:

  • Us offline, whether via telephone, in person, or through
  • any other means, including on any other website operated by any third party; or
  • Any third party, including through any application or content (including advertising) that links to or is accessible from or through the Website.

Please read this 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, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy.

Important Notice Regarding Changes to This Policy

We reserve the right to change this policy from time to time with notification on our website (See NOTIFICATION OF MATERIAL CHANGES TO PRIVACY POLICY below). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check this Privacy Policy periodically for updates.

CATEGORIES OF PERSONALLY IDENTIFIABLE INFORMATION COLLECTED THROUGH TOMMY QUOTES’ WEBSITE

Tommy Quotes collects several types/categories of Personally Identifiable Information from and about users of our Website. Specifically, we collect (and in the preceding 12 months, have collected) the following:

Information You Provide Directly

  • Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, or account name, or any other identifier by which you may be contacted online or offline.
  • Commercial information: Records of services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Correspondence records: Records and copies of your correspondence (including email addresses), if you contact us, transcripts of chats or voicemails, and other information.
  • Survey responses: Your responses to surveys that we might ask you to complete for research purposes.
  • Search queries: Your search queries on the Website.
  • User contributions: Information that you provide to be posted on public areas of the Website or transmitted to other users or third parties (collectively, “User Contributions”). Please be aware that User Contributions are posted at your own risk and will be viewed by customers and visitors to the Website. We cannot guarantee that User Contributions will be reviewed for personally-identifiable information or protected from unauthorized access or reverse-engineering to determine your identity. Please be aware that no security measures are perfect or impenetrable. We urge you to refrain from providing personally-identifiable information in your User Contributions.

Information Generated or Collected Automatically

  • Internal identifiers: Internal identifiers (like a customer ID) and customer- provided identifiers (like an email address) used to track and manage transactions and account information.
  • Usage data: Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
  • Device identifiers: Identifiers that recognize customers or their devices over time, and across third-party partner websites (like browser or device IDs, IP addresses, cookies, or other forms of persistent identifiers).
  • Internet or other electronic network activity: Browsing history, search history, and information regarding a consumer’s interaction with Tommy Quotes’ Website or advertisements (whether on or off Tommy Quotes’ Website).
  • Consumer Preference Inferences: Profiles drawn from any other category of Personally Identifiable Information identified above, to create a profile about a consumer’s preferences as to Tommy Quotes services.

Information We Collect from Third Parties

  • Third-party service providers: Personally Identifiable Information available from Google or other third-party advertising partners that help serve and direct our advertising.
  • Publicly available sources: Personally Identifiable Information available from public databases, usually in the form of identifiers like names, postal addresses, email addresses, and telephone numbers.
  • Social media platforms: Personally Identifiable Information from social media platforms like Facebook and Instagram, particularly when potential customers interact with content by social media platforms about us.
  • Data aggregators: Aggregated user information that helps us learn more about our customers and users of our Website, and information from fraud prevention companies to help avoid fraud and abuse.

Sensitive Personally Identifiable Information

We do not intentionally collect Sensitive Personally Identifiable Information via our Website except as follows:

  • Account credentials: If you have an account with us, we may collect account log-in, password, or credentials allowing access to an account, for your relationship with us and to provide you with the services you expect (and to help detect security incidents and protect against fraudulent activity).
  • Customer service communications: Information voluntarily provided to Tommy Quotes’ Customer Service representatives via an email web form, over the telephone, via email, or via mail.

Via our website, we do not request, accept, or collect any of the following: (i) Any data revealing racial or ethnic origins or background, religious beliefs, mental or physical health conditions or diagnoses, sexual activity or orientation, status as transgender or non- binary, status as a victim of crime, citizenship, or immigration status; (ii) Genetic or biometric data processed to uniquely identify an individual; (iii) precise present or past geolocation data, or the present or past location of a device that links or is linkable to a consumer (iv) social security number, driver’s license number, passport number, or other government identifier or license; (v) union membership, (vi) or mail, email or text message content unless we are the intended recipient of the communication (collectively “Declined Information”).

Non-Personally Identifiable Information

We also collect (“Non-Personally Identifiable Information”) that is “Deidentified” (information about you but that does not identify you) or “Aggregated” (information about groups of users without a way to reasonably link the information to any individual consumer or household identity, including via a device). We commit to maintain and use Non-Personally Identifiable Information in its original “Deidentified” or “Aggregated” form, and not attempt to reidentify the information.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 is permitted to provide any information to or on the Website. We do not knowingly collect personally identifiable information from children under 18. If you are under 18, do not use or provide any information on this Website.

If we learn we have collected or received personally identifiable information from a child under 18, we will delete that information, and cancel or terminate any services or transactions in process. If you believe we might have any information from or about a child under 18, please contact us immediately at info@medicalinsurancetoday.com, or call us at (800) 590-7279.

Offline Collection of Declined Information

For avoidance of doubt, we may collect certain Declined Information (offline and not via the Website), through direct consultations and insurance applications as part of our licensed and regulated operations as an insurance agency. If you have any questions in this regard, please direct them to your agent.

Categories of Third Parties with Whom Information May Be Shared

We may share Personally Identifiable Information about name, postal address, email address, telephone numbers, and any other identifier by which you may be contacted online or offline, with the following categories of third parties:

Service Providers and Business Partners

  • Analytics and data services: Analytics service providers like Google Analytics.
  • Accessibility Providers: Partners like UserWay that help make our site accessible for people with disabilities.
  • Advertising: Partners that serve ads on our behalf targeted to your interests in our services, and based on your activities online or on our Website. These partners, like Google and others may charge us for advertising, and use these cookies and similar technologies in part to both provide us information on the results of their advertising, as well as to track your movement from their websites to our Website. They may also use these cookies and similar technologies for their own marketing in addition to us offering you our services through their websites.
  • Scheduling: Partners like Calendly.com that help customers schedule contact with us.
  • Fraud prevention: Third-party fraud prevention companies to help avoid fraud and abuse related to our Website and in the performance of our services.
  • Hosting and content delivery: Our hosting, content delivery network, and security vendors who monitor activity for fraud, abuse of our terms of service (such as denial of service attacks or attempts to bypass security and privilege restrictions).

Other Permitted Disclosees

  • Insurance Businesses: As required to perform and provide our services as agreed by you, we may provide your information to various insurance companies and information clearinghouses.
  • Subsidiaries and affiliates: To our subsidiaries and affiliates.
  • Business successors: 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 Tommy Quotes’ assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personally Identifiable Information held by Tommy Quotes about our Website users is among the assets transferred.
  • Legal compliance: To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • Enforcement of rights: To enforce or apply our Terms of Service and other agreements, including for billing and collection purposes.
  • Protection of rights and safety: If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Tommy Quotes, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Aggregated and De-identified Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

PROCESS FOR CONSUMERS TO REVIEW AND REQUEST CHANGES TO PERSONALLY IDENTIFIABLE INFORMATION

We provide you with the ability to review and request changes to your Personally Identifiable Information.

Access, and Requests to Review, Correct, or Delete Information

You may send us an email at info@medicalinsurancetoday.com or call us toll free at (800) 590-7279 to request access to, correct, or delete any Personally Identifiable Information that you have provided to us.

Processing of Deletion Requests

  • Requests to delete may be conditioned on receiving confirmation that the request is legitimate, and to avoid unauthorized access or deletion of Personally Identifiable Information.
  • Requests to delete are processed within thirty (30) days from our receipt of confirmation that the request is legitimate. We reserve the right to extend this period as necessary and if consistent with applicable law.
  • We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Manual Deletion of User Contributions

You may also manually delete your User Contributions from the Website. Copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users.

NOTIFICATION OF MATERIAL CHANGES TO PRIVACY POLICY

The date the Privacy Policy was last revised is identified at the top of the page.

It is our policy to post any changes we make to our Privacy Policy on this page. If we make material changes to how we treat our users’ Personally Identifiable Information, we will notify through a notice on the Website home page. We may also contact you via email, at the primary email address provided to us. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting this Privacy Policy to check for any changes as part of your visits to our Website.

WEBSITE NON-RESPONSE TO “DO NOT TRACK” SIGNALS; OTHER OPTIONS.

At this time, our webhosting platform does not recognize “Do Not Track” browser signals or similar mechanisms, although we reserve the right to add such a mechanism in future updates.2 However, you have a number of free tools to prevent collection of such information, discussed below.

To the extent it is permissible by applicable law, we reserve the right to collect information about users’ online activities for the purposes described in this Privacy Policy, including serving targeted advertisements, including online activities over time, and across third-party Web sites or online services.

Tools for Consumer Choice and Limiting Tracking

Customers can use free or low-cost tools like privacy add-ins that block tracking cookies or VPN services that render access anonymous. For example, see linked instructions for: Chrome, Firefox, and Safari. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

Customers can also use tools to block email web beacons (also known as tracking images), such as: (i) selecting “PlainText” email format in your email client and preventing the automatic loading of images or links; (ii) use a Mail application that blocks such beacons (like Thunderbird, or Apple Mail with Privacy Protection configured); or (iii) use a browser email service with a browser-based tracking blocker, such as the DuckDuckGo add-in.

Limitations On Our Use

Finally, if you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can contact us at info@medicalinsurancetoday.com or call us toll free at (800) 590-7279,or opt out of receiving targeted ads from members of the Network Advertising Initiative (NAI).

COLLECTION BY THIRD PARTIES OF PERSONALLY IDENTIFIABLE INFORMATION

Third-Party Tracking

Due to the partnerships we have with various advertising, diagnostics, and marketing providers, certain third parties may collect Personally Identifiable Information about your online activities over time and across our Website and to different websites (known as cross-site tracking). Specifically:

  • Ad network partners: Advertising partners, such as Google and others, may collect information about your online activities across different websites and may track your movement from their websites to our Website and from our Website to their websites.
  • Analytics partners: Analytics service providers may collect information about your online activities on our Website for measurement and reporting purposes.
  • Ad serving: Advertising partners may use the information they collect to provide us with information on the results of their advertising, and to track your interactions with advertisements and our Website.
  • Cross-site and Cross-platform tracking: Advertising partners, like Google, may track your clicks and interests (sometimes called “behavior”) onto other websites and on multiple devices for purposes of serving you targeted advertisements.

What Information May Be Collected

The types of information that other parties may collect include:

  • Identifiers that recognize customers or their devices over time and across third-party partner websites (like browser or device IDs, IP addresses, cookies, or other forms of persistent identifiers).
  • Browsing history and search history.
  • Information regarding a consumer’s interaction with Tommy Quotes’ Website or advertisements.
  • Inferences drawn to create a profile about a consumer’s preferences.

However, there are a number of tools, which limit the collection of information and support customer choice. See the section Tools for Consumer Choice and Limiting Tracking above for more information.

Data Security

We have implemented measures to protect Personally Identifiable Information we store from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

Your Responsibility

The safety and security of your information depends on you. If you have chosen a password for access to services or portals we provide, or certain parts of our Website: (i) keep it confidential, (ii) do not reuse it for other websites, (iii) do not share it with anyone, (iv) do not leave it in printed form where it could be accessed by someone else, and (v) check passwords with services like Google Password Manager.

Be careful about sharing information in public areas like message boards, as it may be viewed by any user.

Limits of Security

Unfortunately, Internet transmission of information is not entirely secure. We protect your Personally Identifiable Information, but cannot guarantee the security of information transmitted to our Website. Any transmission is at your own risk. We are not responsible for visitors or third party actors that circumvent privacy settings or security measures on the Website.

Contact Information

Contact us for questions, comments, privacy rights, or accessibility issues regarding our Privacy Policy:

Email: info@medicalinsurancetoday.com

Telephone: (800) 590-7279 (toll free)

Mail: Tommy Quotes Insurance Services, Inc., Attn: Privacy Requests, 1500 Adams Avenue, Suite 201, Costa Mesa, CA 92626.