Privacy Policy

Leads Team, LLC, which does business as MyObamacareRates, is a licensed insurance agency. In addition, we provide online marketplaces connecting consumers like you with insurance, finance, travel, and other companies and their agents through the websites we own and operate and our webforms that are embedded in certain third-party websites. We wrote this Privacy Policy to describe the information we collect, how we use it , when and who we share it with, and the controls available to you to manage your information in a way that is easier to read and understand. Of course, if you have questions, feel free to email [email protected].

Please read our entire Privacy Policy. If you only have a few minutes and want to know how to exercise your rights to manage the personal information we may have about you, we recommend you review Your Choices and Controls to understand some of the basics. If you're a California or Nevada resident or wish to exercise rights on behalf of someone else, read the additional information in Your Privacy Rights.

INFORMATION WE COLLECT

This Privacy Policy applies only to the following basic categories of information we collect:

• Information you provide to us through our websites and webforms.
• Information we collect automatically when you use our websites and webforms.
• Information you provide to us when you call or receive a call from us or an advertiser.
• Information we get from advertisers, third parties, and offline sources.
• Any other information you choose to provide to us.

For each of these categories, we use the information to provide our services to you, to communicate with you, to process your request(s), to understand how our services are used, to improve our services, and to comply with applicable laws. Additional details on each category is provided below.

INFORMATION YOU PROVIDE TO US THROUGH OUR WEBSITES AND WEBFORMS

When you use our websites and webforms, we collect information that you choose to provide to us in order to be matched to an advertisers' products and services. For example, our websites and webforms may allow you to provide your name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance products and services. You may also provide us with your home and destination airports and travel dates when you use our websites and webforms related to travel products and services so that we can show you flight and hotel options available from advertisers. This means the categories of information you can provide to us through our websites and webforms depend on the nature of the products and services for which you are requesting quotes or rates.

Keep in mind that when you submit your information to us through our websites and webforms to request a quote or rate, you are also directing us to share the information you submit with an advertiser so we can match you with their products and services.

INFORMATION YOU PROVIDE TO US THROUGH OUR WEBSITES AND WEBFORMS

When you use our websites and webforms, we collect information about which of those websites and webforms you have used and how you've used them, in addition to information about your activity, browser, and device. Like most websites, we may collect such information by using online tracking technologies, such as cookies, pixels, tags, and other unique identifiers (go to www.allaboutcookies.org or youronlinechoices.eu to learn more about such tracking technologies). Below is a more detailed explanation of the types of information we collect automatically when you use our websites and webforms:

• Usage Information. We collect information about your activity through our websites and webforms. For example, we may collect information about:
  • how you interact with our websites and webforms and which search queries you submit
  • which pages you have visited on our websites and which ones you visited immediately before or after navigating to our website.
  • which advertiser quotes you select, which advertiser websites you visit, including the time and date of your visit, and your interactions with our websites and advertisers' websites (such as when you leave our site to go to an advertiser's site or when you use our webform on a third-party site); and
  • other demographic and usage information.
• Device, Browser, and Location Information. We collect information from and about the devices and browsers you use and about your location. For example, we collect:
  • device type, browser type, IP Address (which is treated as personal information in some jurisdictions, but which we use only to identify your geographic area and to comply with applicable laws); and
  • identifiers associated with cookies or other technologies that may uniquely identify your device or browser.
• Interactions with Advertisers, Advertisements, Emails, and other Communications. Keep in mind, we may also collect information when you interact with our webforms placed on third-party websites (including which website you visited, which webform you used, and what information you submitted through the webform), advertisements placed on our or third party websites (including which advertisements you viewed, which ones you selected, and on what website you viewed our advertisement), and our emails and other communications we send to you (including whether you opened, forwarded or selected a link or content in such email). For example, we may use information you submit to us through our webforms placed on third-party websites to show you more relevant quotes and rates from advertisers.

Most web browsers are set to accept cookies by default. If you prefer, you can usually remove or reject browser cookies through the settings on your browser or device. Keep in mind, though, that removing or rejecting cookies could affect the availability and functionality of our websites and webforms. To learn more about your choices, please check out Cookies and Other Technologies.

INFORMATION YOU PROVIDE TO US WHEN YOU CALL OR RECEIVE A CALL FROM US OR AN ADVERTISER

We may collect information from you when you call us, when we call you or when you ask an advertiser to transfer your call with them to us. The categories of information we collect from you or that you can provide to us through phone calls depends on the nature of the advertiser's products and services for which you are requesting quotes or rates and the purpose of your call.

INFORMATION WE RECEIVE FROM SUPPLIERS, THIRD PARTIES, AND OTHER SOURCES

WWe may receive information about you from suppliers, those businesses that provide us services (such as service providers, contractors, and consultants), third parties, or other online or offline sources. We may combine such information with the information you have provided to us in order to provide and improve our services including, among other ways, to filter or select the best advertisers or advertisements to show to you or to target or measure the performance of advertisements. Below are a few examples:

• Our advertisers may send us information they have collected about you when you interact with or otherwise make a purchase with one of them (including when you request a quote or rates from an advertiser or make a purchase from them); and
• Advertisers, publishers, and other third parties may share information they've collected about you with us when you interact with them, including when you interact with their advertisements, websites, or apps.

ANY OTHER INFORMATION YOU CHOOSE TO PROVIDE TO US

When you contact us, including by mail or email, or communicate with us in any other way, we'll collect whatever information you volunteer or that we need to resolve your question or request. The categories of information we collect from you or that you can provide to us through mail, email, or other means depends on the purpose of your communication to us.

HOW WE USE YOUR INFORMATION

We use your information to:

• Process and fulfill your request for a quote or rates.
• Communicate with you, including by phone calls, email, mail, and text messages. For example, when you provide your contact information to us you are registering to receive communications from us directly or through a third-party which may include using the foregoing communication methods to:
  • Share information about our services (including about our websites and webforms).
  • Share information about an advertiser's products and services that we think may interest you. For example, if you request to be added to any of our mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify MediaAlpha or one of our branded sites as the sender. You may unenroll any time by selecting “unsubscribe” in our emails.
  • Communicate with you to process and fulfill your request for a quote or rates from advertisers.
  • Respond to your inquiries.
• Provide and improve our services (including our websites and webforms), ad placement, ad targeting, and ad campaign success and measurement, including through the use of your location information, both on and off our websites and webforms.
• Develop, operate, improve, deliver, maintain, and protect our services including our websites and webforms.
• Monitor and analyze trends and usage of our services.
• Enhance our services (including our websites and webforms) and your experience with them by using information we collect automatically by cookies and other technologies.
• Enhance the safety and security of our services.
• Verify your identity and prevent fraud or other unauthorized or illegal activity.
• Comply with legal requirements, including applicable laws, rules, regulations, and orders.

Keep in mind that information collected through cookies and other online tracking technologies is also used along with other information we collect for the purposes outlined in this Privacy Policy including: remembering your settings and choices and providing you with a customized experience; monitoring, analyzing, and improving the operation, delivery, performance and usability of our services; and providing you with personalized ads based on your activity on our services and on other sites and services not operated by us, including advertisers' websites.

WHEN AND HOW WE SHARE INFORMATION

We may share the information we have about you in the following ways:

• With Advertisers. If we are unable to provide you a quote or a policy directly, we will attempt to connect you with advertisers so you can learn more about their products and services and so you can request quotes and rates directly from them. This means when you submit a request through our websites or webforms, you are asking us to share, and we will share, the information you submit in your request with advertisers (which may include agents, carriers, lead aggregators, and other providers in our network) to process and fulfill your request. Please keep in mind the following important details when using our websites and webforms:
  • By submitting your request, you agree that we and our advertisers may contact you by phone (including through automated calling, live operators, or using recorded messages), text messages, email, or postal mail (based on the information you provide to us and the consent we receive from you), to process and fulfill your request or to market additional products and services that might be of interest to you, even if you have opted into the National Do Not Call List (administered by the Federal Trade Commission) or any similar mechanism to opt-out of receiving phone calls or email. If later you wish not to be contacted by any advertiser, then you will need to contact such advertiser directly to make a request (see the advertiser's privacy policy to learn how to exercise your privacy choices with such advertiser).
  • The categories of information we share with advertisers depends on the website or webform you are using and the type of quote and rates you are requesting. For example, if you are requesting a quote or rates for car insurance, we may share with advertisers your name, address, telephone number, email, information about your cars, and any other information you provide in the website or webform.
  • The information we share with advertisers and the information you provide directly to such advertisers is subject to each advertiser's privacy policy. Please read each advertiser's privacy policy to learn more about their information collection practices and the choices you can make about how they collect and use your personal information. Please note, an advertiser may keep the information we shared with them (that you provided to us through our websites and webforms) whether or not you elect to purchase or use their services.
  • The agreements we have with those advertisers that partner with us require them to secure any personal information (also known as personal data) we provide to them, limit how they use such information, and comply with national, state, and other applicable privacy regulations.
• With Our Service Providers and Other Third Parties. To provide and protect our services, we may share the information we have about you with those businesses that provide services to us including our third-party vendors, suppliers, service providers, and other third parties under the following circumstances:
  • To measure and optimize the performance of our websites, webforms, and ads and to deliver more relevant ads, including for advertisers and other third-party websites and apps.
  • To optimize advertisers' and other third-parties' ability to reach their target audience and markets by sharing aggregated, non-personally identifiable, de-identified, and aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) with such providers and third parties that provide services to us or perform business purposes for us.
  • To help us and others prevent fraud, which may include sharing device, usage, and other information we have about you.
  • For legal, safety, and security reasons. This means we may share information about you if we reasonably believe that disclosing the information is needed to:
    • Comply with any valid legal process, governmental or law enforcement request, or applicable law, rule, or regulation (e.g., subpoenas, court orders, federal/state audits or similar circumstances, etc.).
    • Investigate, remedy, or enforce potential violations of our .
    • Protect our rights, property, or safety or those of the advertisers, our suppliers, or others.
    • Detect and resolve any fraud or security concerns.
  • As part of a merger or acquisition, asset sale, financing, liquidation, or bankruptcy. If we become involved in any merger, asset sale, financing, liquidation or bankruptcy, or other acquisition of all or some portion of our business by another company, we may share your information with that company before and after the transaction closes.
• Note that we have agreements with our third-party vendors, suppliers, and service providers requiring them to secure any personal information we provide to them, limit how they use such information, and comply with national, state, and other applicable privacy regulations.

THIRD-PARTY CONTENT, LINKS, AND INTEGRATIONS

As noted above, our websites and webforms will contain third-party content, links, and integrations. For example, when you submit information through our websites and webforms you may be presented with content and links to an advertiser's website to learn more about their products and services or to request a quote or rates directly from them. Through these integrations, you will be providing information to an advertiser, other third parties, as well as to us. We are not responsible for how an advertiser and such other third parties collect or use your information. As always, we encourage you to read the privacy policies of every advertiser and third-party service that you visit or use.

HOW LONG WE KEEP YOUR INFORMATION

How long we keep your information depends on the type of information, the purpose for which it is used, how sensitive it is, and other similar factors. For example, we keep your information:

• That you submit through our websites and webforms (like your name, phone number, address, email address, etc.) until you ask us to delete it.
• For the length of time reasonably needed to fulfill the purposes outlined in this Privacy Policy (including for as long as need to provide you with our services), unless a longer retention period is required or permitted by law.
• For as long as necessary to resolve disputes and/or enforce our rights and agreements.
• If it is aggregated, anonymized, de-identified (i.e., not capable of identifying you) then indefinitely.
• In our backup or disaster recovery systems for a limited period of time or as required by applicable law.

If you ever decide to stop using our websites and webforms, you can ask us to delete your information.

Keep in mind, while our systems are designed to carry out our deletion automatically, we cannot promise or guarantee that deletion will occur within a specific timeframe. Also, there may be legal requirements to keep and not delete your information when you make a deletion request to us. This means we may suspend deletion of or not delete your information if we receive valid legal process asking us to preserve your information, if we receive reports of abuse or other Terms of Use violations, or if your use of our websites or webforms or your information is flagged by our automated systems for abuse or other Terms of Use violations.

HOW WE KEEP YOUR INFORMATION SECURE

The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we have implemented technical and organizational security measures that are designed to help protect your information from unauthorized access, disclosure, use, and modification. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records for an advertiser. From time-to-time, we review our security procedures to consider appropriate new technologies and methods.

Even so, despite our efforts, no security measures are perfect, impenetrable, or 100% secure. We cannot ensure, and do not warrant or guarantee, that the information you transmit to us will remain secure, nor do we guarantee that this information will not be accessed, disclosed, altered, destroyed or used in an unauthorized manner. These are the risks of being online and conducting business online.

Of course, if we learn of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. We may also post a notice on our services if a security breach occurs. Depending on where you live, you may have a legal right to receive a notice of a security breach in writing. If you have any questions about the security of your information, please Contact Us.

COOKIES AND OTHER TECHNOLOGIES

As discussed above, advertisers, our service providers (including any other third parties working on our behalf), and any other businesses (third parties) who collect information on our services, may automatically receive certain information associated with you and/or your device(s) as part of your use of our websites and webforms through browser or device-based tracking technologies such as cookies, pixels, tags, beacons, scripts, or other technology.

Many devices and browsers give you the option to manage and/or disable cookies and other online tracking technologies. To opt-out of the use of these technologies, you can change your browser options to stop accepting cookies or to prompt you before accepting cookies. To assist you, we compiled directions for some commonly used browsers and devices in the table below. Keep in mind that not all devices and browsers are the same so the methods described below may not work for your browser, browser version, or device and may change at any time. We encourage you to refer to the relevant instructions for your particular device or browser.

Before you dive in, please note, if you opt out of the collection and use of information via cookies and other tracking technologies, you may still see customized advertising displayed by advertising networks from which you have not opted out. In addition, your opt-out will not prevent any advertising network from displaying advertising that is not customized to you and your interests and, consequently, may be less relevant to you. You will need to make such choices on each browser and device you may use to visit our websites and webforms.

• Disabling Cookies in Browsers. When you elect to opt-out on a website, including our websites, an opt-out cookie is placed on your device. Then when you visit the same website, the opt-out cookie tells the website you opted out. This means that blocking all cookies may then prevent the websites from operating as expected and may also prevent your consent choices from being stored. This may mean that if you opt-out and then block cookies, we may not know about, or be able to honor, your opt-out. You should also be aware that blocking cookies on your computer will not affect your consent choices on a different device, such as a mobile device. You may want to keep this in mind when determining your browser cookie settings. For more information on how to disable cookies on the most common browsers see below.
  • Google Support
  • Apple Support
  • Mozilla Support
  • Microsoft Support
• Other Options for Disabling Online Tracking. Blocking cookies in your browser may not prevent cross-site tracking of your online activity using other online tracking technologies. In addition to managing your cookie settings for your browser, you can opt-out of tracking directly with the businesses that operate the tracking technologies. To opt-out of certain analytic tracking by our service providers visit the links below:
  • Google Analytics
    • https://tools.google.com/dlpage/gaoptout
  • Bing
    • https://about.ads.microsoft.com/en-us/resources/policies/personalized-ads
    • http://choice.microsoft.com/
• Do Not Track. Some web browsers may transmit “do not track” signals (go here to learn more). Web browsers may incorporate or activate these features differently, making it unclear if users have consciously activated them. As a result, we do not take steps to respond to such signals.
• European Visitors. In connection with the General Data Protection Regulation (GDPR) applicable in the European Economic Area (EEA), we eliminate or limit the use of cookies and similar technologies with visitors from the EEA (excluding our corporate website, which continues to use cookies for all users with proper consent (see more information below)). Specifically:
  • If you visit a third-party site that uses our services, we will not place any cookies on your device unless you have provided your consent and been provided with notice of our privacy practices and your ability to opt-out at any time.
  • We will not seek your consent to use cookies in this instance, though the advertiser or their website publisher may do so.
  • If you visit one of our websites, we will only place limited third-party cookies, such as those made available for analytics purposes by Google and Bing. In this case, we will seek your consent to use these third-party cookies and will only do so after you indicate your consent. If you do not consent, then no cookies will be written to your device.
  • If you are visiting our corporate website, for the first time, or the first time after we make a material change, we will seek your consent to use cookies.
  • If you do not consent, you will still be able to use our websites, but certain functionality may be limited. To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to GDPR, but we have nonetheless used cookies in connection with your visit without consent (which may be due to a failure of the third party geolocation tools, your use of a proxy server, your location outside of the EEA at the time of your visit, or some other factor beyond our control) please notify us through our Privacy Center contact us on [email protected] and make sure to include any relevant details so that we can ensure proper treatment of your data under GDPR.

YOUR PRIVACY RIGHTS

To manage or make choices about the personal information (as known as personal data) we have about you, review Your Choices and Controls. If you are a resident of California, a resident of Nevada, or a citizen of a European Economic Area (EEA) Member State, review the applicable sections below to learn more about your privacy rights. If you are a parent or legal guardian or a representative, review the sections identified below to learn more about how you may exercise rights on behalf of your child or another person.

• California Residents. If you reside in California, the following additional information about how we use and disclose your information and any additional rights you may have is below:
  • Uses and Disclosure of Your Information. For more information on information we collect , including the sources we receive information from, review Information We Collect. We collect and use these categories of personal information (also known as personal data) for the business purposes described in How We Use Your Information, including to provide, manage and improve our services.
  • Rights Regarding Your Information.
    • categories of personal information we have collected about you;
    • categories of sources from which the personal information was collected;
    • categories of personal information about you we disclosed for a business purpose or sold;
    • categories of third parties to whom the personal information was sold or disclosed for a business purpose;
    • business or commercial purpose for collecting or selling the personal information; and
    • specific pieces of personal information we have collected about you.
  • To exercise any of these rights, please submit a request to us in our Privacy Center or call us.. In the request, please specify which right you are seeking to exercise and the scope of the request. We will confirm receipt of your request within 10 days. We may also ask you for specific information to verify and process your request. Keep in mind, if we do not have information that permits us to verify your identity, we may deny your requests to know or delete.
  • Right to Non-Discrimination. Should you wish to exercise your rights as a resident of California, we will not discriminate against you by showing you different products or services based solely upon your request. Kindly note, however, if the advertisers require additional data or information from you before providing quotes, rates, or other information, exercising your California rights may limit the number and range of advertisers who are displayed in response to your request.
  • Do Not Sell My Personal Information. Some of our sharing activities may be a “sale” of personal information under California law. For example, when we share information we collected automatically from you with advertisers in order to create consumer profiles and present our advertisers' products and services to you. Subject to certain exceptions, as a California resident, you may opt-out of the “sale” of your personal information at any time by taking the following actions:
    • For information collected automatically through cookies and similar tracking technologies change your browser settings to stop accepting cookies or to prompt you before accepting cookies.
    • For all other information, if you wish to put on file with us your preference to opt-out of our sharing of your personal Information with third parties for such third parties' direct marketing purposes or to find out more about your opt-out rights, please submit your request through our [email protected] Do Not Sell My Personal Informationform or call us at 1-833-549-0351.
• Shine the Light. California residents may, no more than once per calendar year, request from us information about our disclosure of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at in our Privacy Center and select the “Access My Information” option from the drop down menu. We will provide you within 30 days of receiving your request, a list of the categories of personal information (also known as personal data) disclosed to third parties for direct marketing purposes during the immediately preceding calendar year and the names and addresses of the third parties.
• Nevada Residents. Subject to certain exceptions, some of our data sharing practices may be considered a “sale” of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out of the “sale” of personal information covered under the statute, by exercising your cookie consent options by submitting your request through our [email protected]> Do Not Sell My Personal Information form or call us at 1-833-549-0351.
• Visitors Outside the United States. This Privacy Policy is intended to cover collection of information on our websites and webforms from residents of the United States. The data protection and other laws of the United States might not be as comprehensive as those in your country. By visiting our websites and webforms or otherwise using our services in any other way, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your country of residence. To the extent the laws of another jurisdiction apply to your data or use of our services, we will comply with such laws.
• Children's Information. As noted in our Terms of Use, you must be at least 18 years old to use our services. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18, you can use the services offered on our websites only with your parent or guardian. Please see our Terms of Use for more information.
• Household Information. In some instances, our websites and webforms allow you to submit information about you and other members of your family including your children in order to process your request for a quote and rates. When you submit such information to us you represent and warrant that (i) you are the parent or legal guardian of the child/children or that you have legal authority to submit each child's information, and (ii) you are authorized to submit any other family members' information to us, to process your request and for it to be used by us and advertisers as outlined in this Privacy Policy.

YOUR CHOICES AND CONTROLS

We want you to be in control of your information, so we provide you with the following tools to exercise control over the information we have about you. Keep in mind that each option is subject to applicable legal limitations. Additionally, because your privacy is important to us, we will ask you to verify your identity/request or provide additional information before we let you exercise your choices over the information we have about you. We may also reject your request for several reasons, including, by way of example only, if the request risks the privacy of other persons or is unlawful.

• Access and Portability. You can access and receive a copy of the information we have about you by submitting a request in our Privacy Center and select the “Access My Information” option from the drop down menu.
• Correction or Modify (also known as rectification). You can correct or modify the information we have about you by submitting a request in our Privacy Center and select the “Correct or Modify My Information” option from the drop down menu.
• Deletion (also known as erasure). If for some reason you ever want to delete the information we have about you, simply submit a request in our Privacy Center and select the “Delete My Information” option from the drop down menu.
• Revoke Consent or Object to Processing. You can revoke the consent you gave to us or object to our processing of the information we have about you by submitting a request in our Privacy Center and select the “Revoke My Consent or Object to Processing of My Information” option from the drop down menu. If you are seeking to unsubscribe to our emails or change your communication preferences, see below.
• Marketing and Communication Preferences. If you wish to unsubscribe to any email communications we send to you, simply select “unsubscribe” in the emails. If you wish to unsubscribe to any text messages we send to you, text “STOP” in reply to any text message you receive from us. If you wish to unsubscribe or change/update any communication preferences with us including calls or mail, submit a request in our Privacy Center and select the “Marketing and Communication Preferences” option from the drop down menu. Please note that we only control our own mailing and marketing lists/subscriptions and policies. Third parties that maintain their own marketing lists may send communications that advertise our services. You must contact these parties directly in order to stop receiving their communications.
• Cookies and other Tracking Technologies. To learn more about your choices and how to exercise control over the information we collect from you automatically using cookies and other online tracking technologies.

If you have any questions or need assistance call us.

REVISIONS TO THE PRIVACY POLICY

We may change this Privacy Policy from time to time. When we do, we'll let you know by revising the date at the top of the Privacy Policy. We may also provide you with additional notice (such as adding a statement to our websites' homepages or adding “Updated” to the footer links to our Privacy Policy (e.g., Updated Privacy Policy). We encourage you to review this Privacy Policy whenever you use any of our websites and webforms to ensure you are aware of our current privacy practices.

REVISIONS TO THE PRIVACY POLICY

We may change this Privacy Policy from time to time. When we do, we'll let you know by revising the date at the top of the Privacy Policy. We may also provide you with additional notice (such as adding a statement to our websites' homepages or adding “Updated” to the footer links to our Privacy Policy (e.g., Updated Privacy Policy). We encourage you to review this Privacy Policy whenever you use any of our websites and webforms to ensure you are aware of our current privacy practices.

REVISIONS TO THE PRIVACY POLICY

We may change this Privacy Policy from time to time. When we do, we'll let you know by revising the date at the top of the Privacy Policy. We may also provide you with additional notice (such as adding a statement to our websites' homepages or adding “Updated” to the footer links to our Privacy Policy (e.g., Updated Privacy Policy). We encourage you to review this Privacy Policy whenever you use any of our websites and webforms to ensure you are aware of our current privacy practices.

QUESTIONS AND SUGGESTIONS

If you have any questions, concerns, or suggestions about our Privacy Policy, you may contact us by sending a message at: [email protected]