Privacy Policy of Top Health Savings
Top Health Savings (“Company”, “Us”, “Our”, or “We”) operates websites designed to match consumers to licensed health insurance advisors or agencies (“Advisors”) who provide assistance with health insurance coverage and subsidies under the Affordable Care Act ("ACA") (“Services”). We respect your privacy and are committed to protecting it through our compliance with this Privacy Policy. If you choose to use our Services, you agree to the collection and use of information in accordance with this policy. The Personal Information collected is used exclusively to provide and improve our Services. We will not use or share your information with anyone except as described in this Privacy Policy.
We are not an insurance agency or provider. We do not issue health insurance policies directly. Instead, we match your information to qualified Advisors who can assist you with obtaining health insurance coverage and applicable subsidies under ACA. This policy outlines the types of information we collect, how we collect it, and how we use, maintain, protect, and disclose your information.
This Policy applies to information we collect:
On our website.
In email, text, or other electronic communications between you and this Website or the Company.
When you interact with our advertisements on third-party websites or services linked to this policy.
When you interact with us offline or through other means.
This Policy does not apply to information collected by third parties, including Advisors, insurance providers, or other websites or services accessible from links on our Website.
Our Website and Services are intended for use only by adults and are not directed to minors. We do not knowingly collect information from individuals under 18 years of age.
INFORMATION WE COLLECT
Personal Information collected may include:
Name
Postal address
Email address
Telephone number
Information needed to determine ACA eligibility and subsidies (e.g., household income, household size, etc.)
We also collect non-personally identifiable information such as internet connection details, browsing patterns, and usage data.
HOW WE COLLECT INFORMATION
Information is collected:
Directly from you when you complete forms on our Website.
Automatically as you navigate our Website (including IP addresses, browser types, cookies, and usage patterns).From third-party partners, including Advisors or agencies with whom we partner.
USE OF YOUR INFORMATION
We use your information to:
Match you with qualified Advisors for ACA health insurance plans and subsidies.
Provide and improve our Services and Website.
Communicate with you about products, services, and updates.
Fulfill your specific requests.
Ensure a safe and secure user experience.
Comply with legal obligations.
SHARING YOUR INFORMATION
We may share your information:
With licensed Advisors or health insurance agencies for the purpose of providing you ACA-related services. With third-party service providers supporting our business who maintain confidentiality and security of information. To comply with court orders, law, or legal processes. In connection with business transactions such as mergers or acquisitions. With your consent or as disclosed at the time of information collection.
THIRD-PARTY TRACKING TECHNOLOGIES
Third parties, such as advertisers, may use cookies or other technologies to collect information about your browsing activities on our Website. We do not control third-party tracking technologies.
YOUR CHOICES
You can:
Opt-out of promotional communications by emailing us at [email protected] cookie preferences through your browser settings. Request access to, correction, or deletion of your information by contacting us.
DATA RETENTION
We retain your information only for as long as necessary to provide services or comply with legal obligations.
CALIFORNIA PRIVACY RIGHTS
California residents may have additional rights concerning their personal information. Please contact us for details on exercising these rights.
CHANGES TO THIS POLICY
We may update this Privacy Policy periodically. We will notify you of changes by posting the revised policy on this page with an updated effective date.
CONTACT US
For questions about this Privacy Policy, contact us at: