Affordablehealthinsurancetoday.com Privacy Policy

Last updated: November 3, 2023

Welcome to affordableheatlhinsurancetoday.com (the “Site”), a website owned and operated by Keystone Interactive, LLC, a Florida limited liability company “Keystone”, “we”, “us”, “our”). This Privacy Policy is implemented to describe how we collect, use, and share your information in connection with our Site and any other online content, tools, or services that we control and that link to this Privacy Policy. This has been created to provide information to our visitors (“you,” “your”) about our company and our online content, tools and services, whether such content, tools and services are accessed on the Site or through third-party websites, mobile sites and/or applications (together with the Site, the “Services”). This Privacy Policy describes how we collect, use, and disclose information from visitors to the Services, including personally identifiable data (“Personal Data”).

If you have submitted your information and would like to opt out from our partners contacting you please use this opt out form.

WHY THIS MATTERS

We want to build an indispensable platform to aid people in making smart decisions and connecting them to companies for their insurance needs. Knowing certain things will help us do that better.

Please be sure to read this entire Privacy Policy before using or submitting information through the Services. By using or submitting information through the Services, you are indicating that you agree to the collection, transfer, manipulation, processing, storage, disclosure and other uses of your personal data as described in this Privacy Policy and to be bound by the terms of our Terms of Use and this Privacy Policy.

PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES

We collect Personal Data from you when you voluntarily provide such information, including but not limited to when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services.

If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:

Category	Example
Demographic Data	Contact data such as your name, address (including zip code), email, zip code, date of birth, social security number and phone number.
Personal Records	Estimated credit score, payment history, employment status, ownership or rental history, income, education level and degrees, and other information.
Account Registration	If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users.
Feedback and Support	If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us.
Survey	We collect and use this data based upon our business need to receive and act upon your feedback or issues.
Other Information	If you voluntarily submit certain information to our services, such as filing out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services and to collect relevant information about our business. Information we may collect which is not specifically listed here is described in this Privacy Policy or is otherwise disclosed at time of collection.

For clarity, we collect Personal Data from you to, in part, provide you with personalized content and information related to insurance products, but Keystone is not an insurance company, agency, or other provider.

By voluntarily providing us with Personal Data, you are consenting to our use of your Personal Data in accordance with this Privacy Policy. You represent that the Personal Data you provide is true, accurate, current and complete, and that you have the authorization to provide it to us. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Keystone and the authorized third parties referred to herein.

INFORMATION AUTOMATICALLY COLLECTED

Whenever you interact with the Services, Keystone may automatically receive and record information from your computer, browser and/or mobile device.

The requests you make to Keystone may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.

Device IDs:

We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.

Location Data: We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.

Usage Information: We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, the and the time, frequency and duration of your activities on the Site.

COOKIES, WEB BEACONS AND SIMILAR TECHNOLOGIES

In operating the Services, we may use cookies, web beacons and similar technologies. This Privacy Policy covers the use of cookies, web beacons and similar technologies by Keystone only. Keystone does not sell or share your cookies other than as described in this Privacy Policy. Uses of these technologies by third-party advertisers or websites linked from the Services, including third parties with which we partner, are governed by each such advertiser or website’s privacy policy.

Cookies & Analytics:

A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.

Please note that we use Google Analytics cookies for data analytics purposes, and you can find more information on how Google uses data from these cookies at http://google.com/policies/privacy/partners. You may choose to opt-out of Google Analytics by installing their opt-out browser add-on https://tools.google.com/dlpage/gaoptout/

Web beacons:

In addition to cookies, we may use web beacons (also known as “clear GIFs”) to measure traffic to or from or use of our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Data in order to provide you with more focused communications. Web beacons may be placed on the Service by third parties such as an analytics provider in order to support functionality described in this Privacy Policy. The information collected by these third parties in this manner is subject to that third party’s own privacy policies.

Aggregated Personal Data:

In an ongoing effort to better understand and serve the users of the Services, Keystone often conducts research on consumer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Keystone may share this aggregate data with our affiliates, agents, service providers and other third parties with whom we do business. This includes, but is not limited to, information such as insurance trends, choices and comparisons. This aggregate information does not identify you personally. Keystone may also disclose aggregated user statistics in order to describe our services to current and prospective insurance providers, and to other third parties for other lawful purposes.

OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION

Keystone uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. Generally, we may use information we collect in the following ways.

• To identify and potentially personalize the Services when you visit our Site
• To provide products and services
• For fraud and information security
• To improve the Services
• To conduct analytics such as usage trends
• To respond to inquiries related to support or other request
• To send marketing and promotional materials about the Services
• To manage our relationships
• To build aggregated user profiles and segments

For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.

Keystone Financial and our subsidiaries and affiliates (the “Keystone Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services. other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

Marketing

Keystone and the companies with whom we share your information may use your Personal Data to communicate with you by telephone, email, postal mail, or by text message to provide you with:

• Information regarding your application status, or transactional information relevant to your request.

Each marketing-related communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. If Keystone intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

You may choose to unsubscribe from marketing emails or mail by emailing [email protected] or at the address below and asking to be removed from any correspondence. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.
We may contract with third-party advertising companies and social media companies to display ads on their service. These companies may use cookies and similar technologies to track your activity, the information collected by these third parties in this manner is subject to that third party's own privacy policies. We may also use aggregated information from these sources for creating similar audiences in order to better target advertisements on their networks to potential consumers who appear to have shared characteristics. You may opt out of similar audiences in Google, you can do so through https://adssettings.google.com/authenticated. You can also learn more about how to opt out of their collection in general by going to www.aboutads.info/choices, www.networkadvertising.or and/or www.youronlinechoices.com

OUR DISCLOSURE OF YOUR PERSONAL DATA

Consistent with this Privacy Policy and the consent you provide, Keystone will share your Personal Data with certain third parties without further notice to you, as set forth below:

Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with an insurance agency if the information you provide in one of our online forms requests are discloses that action.

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.

Business Analytics: When we partner with certain businesses in order to learn and improve user interface, content, site performance, and our offerings. For example, Information may be shared in order to improve your experience on partner sites as well as on our site.

Related Companies: We may also share your Personal Data with the Keystone Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties: Keystone, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements: Keystone may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of Keystone, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

OTHER IMPORTANT INFORMATION

Your Choices

In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.

Registration/Account Information:

If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current and complete information about yourself.

Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.

If you no longer what to use our Services, you can deactivate your account by contacting usat [email protected] or at the address below.

Access To Information:

We rely on you to ensure your information is accurate and up-to-date. To keep your Personal Data accurate, current and complete, please contact us as specified at the below address or [email protected]. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Exclusions:

This Privacy Policy does not apply to any Personal Data collected by Keystone, other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to Keystone through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Keystone shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.

Children’s Privacy Online:

Keystone does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Data to Keystone through the Services, please contact us, and we will endeavor to delete that information from our databases.

Links To Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by Keystone (the “Third-Party Sites”). The policies and procedures we described here do not apply to the Third-Party Sites. The links from the Services do not imply that Keystone endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Social Media

Through the Site, you can choose to access certain social media websites and services that are owned and/or controlled by third parties (including, without limitation, Facebook, Twitter, Instagram, and others) (such websites and services, collectively, the “Social Media Services”). When you elect to access and use the Social Media Services, you will be sharing your information (which will include personal information if you elect to share such information) with those Social Media Services. As with other Third-Party Sites, the information that you share with the Social Media Services will be governed by the privacy policies and terms of service of the providers of such Social Media Services and not by the policies and procedures we describe here. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to other entities, including Keystone. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of the applicable Social Media Services provider.

Security:

By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at [email protected].

If you are, or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take. International Users:

The Service is hosted and intended solely for consumers in the United States. All Personal Data is stored on servers in the United States and is subject to United States law. By choosing to use the Services or otherwise provide information to us, you agree that any dispute over privacy or the terms contained in this Privacy Policy will be governed by the law of the state of New York and the adjudication of any disputes arising in connection with the Services will be in accordance with the Terms of Use.
If you are visiting the Services from the European Union or other regions with laws governing data collection and use, please note that you are agreeing to the transfer of your information to the United States and the global processing of such information. By providing your information you consent to any transfer and processing in accordance with this Privacy Policy.

Policy:

The Services and our business may change from time to time. As a result, at times it may be necessary for Keystone to make changes to this Privacy Policy. Keystone reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

New Uses of Personal Data: From time to time, we may desire to use Personal Data for uses not previously disclosed in our Privacy Policy. If our practices change regarding previously collected Personal Information in a way that would be materially less restrictive than stated in the version of this Privacy Policy in effect at the time we collected the information, we will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.

How We Respond to “Do Not Track” Signals:

Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

YOUR CALIFORNIA PRIVACY RIGHTS

California Consumer Privacy Act (CCPA)

The CCPA affords California residents certain rights over their personal information (subject to certain exceptions). This section applies only to “personal information” that is subject to the laws of the state of California. Most of our data collection and use practices are governed by our Privacy Policy. Please review our CCPA Privacy Statement for our privacy disclosures and information on how to exercise your rights.
To exercise your rights please contact us at [email protected].

CONTACTING KEYSTONE

To keep your Personal Data accurate, current and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Please also feel free to contact us if you have any questions about Keystone’s Privacy Policy or the information practices of the Services. You may contact us as follows:

[email protected].

Keystone Interactive, LLC
5499 N. Federal Hwy, Suite C
Boca Raton, FL 33487
888-258-0080

California Consumer Privacy Act (“CCPA”) Notice and Privacy Policy

Most of our data collection and use practices are governed by this Privacy Policy. Please review it for more information about our privacy practices and how you may limit certain types of sharing.

This CCPA Notice supplements the information contained in the Privacy Policy and applies solely to consumers who reside in the State of California (“consumers” or “you”). We adopt this statement to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this statement. For California residents, the provisions of this Notice at Collection and Privacy Policy prevail over any conflicting provisions of the Privacy Policy of Keystone Financial.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household subject to the CCPA (“Personal Information”).

In particular, we have collected the following categories of Personal Information from consumers within the last twelve (12) months:

Category	Example	Collected
A. Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	NO
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	NO
G. Geolocation data.	Physical location or movements.	NO
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information.	Current or past job history or performance evaluations.	NO
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	NO

Sources of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we obtain such Personal Information from a variety of sources, including from:

• our customers and consumers, with respect to both online and offline interactions they may have with us or our service providers and other entities with whom you transact;
• others with whom you maintain relationships who may deal with us on your behalf;
• public databases;
• social media platforms;
• advertising networks;
• data brokers

Use of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we may use or disclose such Personal Information for any one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided.
• To provide you with information, products or services that you request from us;
• To provide you with email alerts, event registrations and other statements concerning products or services;
• To detect and protect against security incidents, and malicious, deceptive, fraudulent or illegal activity, and prosecute the same;
• To debug to identify and repair errors in our systems;
• As otherwise necessary or appropriate to protect the rights, property or safety of us, our customers, consumers, or others;
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
• For such purposes as may be necessary or appropriate in connection with audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;
• To improve our website and apps and present their content to you;
• For testing, research, analysis and product development;
• For short-term, transient use including contextual customization of ads; and/or
• As otherwise described to you when collecting your Personal Information or as otherwise set forth in the CCPA.

Sharing Personal Information

With respect to each of the categories of Personal Information listed immediately below, we may disclose such Personal Information to a third party for any of the business purposes identified above.

In addition, as is common practice among companies that operate online, we allow certain third parties, including non-affiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Site analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. For more information about these practices, please review the “Cookies, Web Beacons and Similar Technology” section of this Keystone Privacy Policy.

In the preceding twelve (12) months, we have disclosed the above categories of Personal Information for each of the business purposes identified above.

With respect to each of the categories of Personal Information listed immediately above, we may disclose such Personal Information for a business purpose to the following categories of third parties:

• Our affiliates
• Service providers
• Government entities
• Marketing partners, such as those partners who you interact with that maintain a link to our services on their site, embeddable widget or our API

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights
You have the right to send us a request, no more than twice in a twelve-month period, for any of the following for the period that is twelve months prior to the request date:

• The categories of personal information we have collected about you.
• The categories of sources from which we collected your personal information.
• The business or commercial purposes for our collecting or selling your personal information.
• The categories of third parties to whom we have shared your personal information.
• The specific pieces of personal information we have collected about you.
• A list of the categories of personal information disclosed for a business purpose in the prior 12 months, or that no disclosure occurred.
• A list of the categories of personal information sold about you in the prior 12 months, or that no sale occurred. If we sold your personal information, we will explain: • The categories of your personal information we have sold. • The categories of third parties to which we sold personal information, by categories of personal information sold for each third party.

You have the right to make or obtain a transportable copy, no more than twice in a twelvemonth period, of your personal information that we have collected in the period that is 12 months prior to the request date and are maintaining.

Deletion Request Rights

You have the right to request that we delete any of your Personal Information that we have collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 sec.)
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Verifying Your Request

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify your identity or authority to make the request. We may otherwise limit our response to your request as permitted under applicable law.

Whenever feasible, we will match the identifying information provided by you to the Personal Information we maintain. Some personal information we maintain about Consumers is not sufficiently associated with enough personal information about the Consumer for us to be able to verify that it is a particular consumer's personal information (e.g., data tied only to a pseudonymous browser ID). As required by the CCPA, we do not include that personal information in response to verifiable consumer requests. If we cannot comply with a request, we will explain the reasons in our response.

We will make commercially reasonable efforts to identify consumer personal information that we collect, process, store, disclose, and otherwise use and to respond to your California Consumer privacy rights requests. We will typically not charge a fee to fully respond to your requests, but we may charge a reasonable fee, or refuse to act upon a request, if your request is excessive, repetitive, unfounded, or overly burdensome.

With respect to requests submitted on your behalf by your authorized agent, please note that we may deny a request from an authorized agent if the agent cannot provide your signed permission demonstrating that they have been authorized by you to act on your behalf.

Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account.

We will not discriminate against you for exercising any of your CCPA rights.

California “Shine the Light” law

California's “Shine the Light” law, Civil Code section 1798.83, requires certain businesses to respond to requests from California customers asking about the businesses' practices related to disclosing personal information to third parties for the third parties' direct marketing purposes. We do not currently engage in the type of sharing covered by that law and so no such list exists. We do not make any representations concerning third parties that do not collect personal information directly through our Services.

Changes to Our Privacy Statement

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you through a statement on our website homepage.

Contact Information

If you have any questions or comments about this statement, the ways in which we collect and use your Personal Information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

[email protected]

Designated Agent – Keystone Interactive, LLC
5499 N. Federal Highway, Suite C, Boca Raton, FL 33487
Email: [email protected]

Affordablehealthinsurancetoday.com Terms of Use

Last Updated: June 3, 2021

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1. ACCEPTANCE OF TERMS OF USE

Please review these Terms of Use (together with our Privacy Policy, the "Agreement"). Keystone Interactive, LLC ("Keystone Interactive", "Affordablehealthinsurancetoday.com", "we" or "us"), is the owner and operator of the Affordablehealthinsurancetoday.com website (together with all content, tools and services provided on or in connection with such website, the "Website"). You must be a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access and use the Website. By accessing, browsing or using this Website, or any page thereof, through any direct or indirect means, or by using the tools, forms or services offered in or through the Website, you accept and agree to be legally bound by these Terms of Use and the Agreement. THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS, A PROHIBITION OF CLASS AND REPRESENTATIVE ACTIONS AND NON-INDIVIDUALIZED RELIEF, AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (Sections 5 and 8). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Website and you are to cease accessing or otherwise using the Website. For purposes of this Agreement, "you" or "your" means the person(s) using the Website and/or any tools, forms or services offered in or through the Website. If you are using the Website on behalf of an employer or other entity, you represent and warrant that you have the authority to bind such entity to the Agreement.

Affordablehealthinsurancetoday.com shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Website. When we post changes to these terms of use OR our PRIVACY POLICY, we will revise the "last updated" date at the top of the applicable document. Accordingly, you should periodically check the "last updated" date at the top of each document so that you can familiarize yourself with any changes. Any use by you of the Website or the tools, forms or services offered in or through the Websites following such posting shall be deemed to constitute acceptance of such changes.

2. PRIVACY POLICY

Please review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for detailed information about our policies and practices applicable to the information that is collected through the Website or received directly from you, including the sharing of such information with third parties and its use for advertising and other purposes. By accessing or using the Website, you consent to the collection, storage, use and disclosure of your information as described in the Privacy Policy (as it may be changed from time to time, as described more fully in the Privacy Policy).

3. MATCHING TOOLS AND SERVICES

Our Website provides tools and services to help you find insurance coverage or quotes for insurance coverage, all of which are provided by third parties affiliated with Affordablehealthinsurancetoday.com (collectively, "Insurers''). "Insurers' ' include insurance companies, Affordablehealthinsurancetoday.com's marketing partners, and affiliates or finders working on behalf of insurance companies, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling you to find affordable insurance coverage. You may be able to access these products and services when you complete a request or submit your zip code or other information and either (i) get matched with potential Insurers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the name and information about potential Insurers who may able to respond with the requested products or services or information about the requested products or services without any quotes or offers. The Insurers that can provide you with insurance quotes or conditional offers may not respond with offers until they obtain additional information from you. You may not be matched with the Insurer making any specific quote or offer.

Although Affordablehealthinsurancetoday.com is compensated by its network of Insurers when we display advertisements for their products to you and/or when you respond to a quote or offer for insurance or another product from a Insurer on our Website, Affordablehealthinsurancetoday.com is not a provider of insurance, is not acting as an Insurer or broker, and does not make any decisions in connection with the underwriting or offering of any insurance products. Any compensation from Insurers is payment for Affordablehealthinsurancetoday.com's services, tools and facilities. Your use of the Website and/or Affordablehealthinsurancetoday.com's services constitutes your agreement with this compensation arrangement.

Affordablehealthinsurancetoday.com does not endorse or recommend the products of any particular Insurer. Nor is Affordablehealthinsurancetoday.com an agent of you or any Insurer. Our services are only administrative. You should rely on your own judgment in deciding which available insurance policy or other product, terms and Insurer best suits your needs and financial means. The Insurer is solely responsible for its products and services, and you agree that Affordablehealthinsurancetoday.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Insurers may keep your insurance request information and any other information provided by Affordablehealthinsurancetoday.com or received by them in the processing of your request, whether or not you are qualified for insurance with them or if you obtain insurance from them. You agree to notify any particular Insurer directly if you no longer want to receive communications from them. Affordablehealthinsurancetoday.com is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

The Website and the products and services provided or advertised on the Website may not be available in all states, and the availability of such services and the products offered on the Website may change from to time without notice. Insurers are not attempting to offer insurance outside of their authorized states or country by participating in and offering their products on the Website. Insurers may discontinue, suspend or terminate the offering of any insurance or other product in any specific state through the Website at any time, without prior notice.

The information provided by Keystone Interactive whether on this website or discussed during any call does not represent a guarantee of coverage or specific payment. All insurance plans are subject to the terms, conditions and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, please call 888-258-0080

The data and other information you may provide Affordablehealthinsurancetoday.com is not, and is not treated as, an application for insurance or a request to be pre-approved, pre-qualified or any similar concept. Affordablehealthinsurancetoday.com does not guarantee acceptance into any particular insurance program or specific terms or conditions with any Insurer; insurance approval standards are established and maintained solely by individual Insurers. Likewise, Affordablehealthinsurancetoday.com does not guarantee that the insurance terms or rates offered and made available by Insurers are the best terms or lowest rates available in the market. An Insurer's offer may be subject to market conditions, approval and qualification (including review of your driving record). The rates and fees actually provided by Insurers may be higher or lower depending on your complete profile and other considerations used by Insurers, such as your driving record. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for an insurance commitment or a rate lock-in agreement. Insurers may not offer all products as well as not offer products in all states. You might not be matched with the Insurer making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Insurers may obtain, verify and record information that identifies each person who applied for or obtain insurance from them. For example, they may ask for your name, Social Security Number or driver's license number, address, date of birth, and other important information, that will allow proper identification of you. During the Insurer application process, they may also ask to see additional information. Affordablehealthinsurancetoday.com does not charge you a fee for its service in matching you with Insurers.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing, a request for quotes or any other submission ("submission"), you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to insurance or another product through Affordablehealthinsurancetoday.com to each of the Insurers to whom your request is transmitted.

You agree that by providing your telephone number in any submission within Keystone Interactive's web pages that you are providing your signature expressly consenting to receive calls, emails, postal mail, text messages, and other forms of communication from up to eight companies such as Supreme Health Group including calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you provided even if you are on a state or federal Do Not Call registry. You acknowledge and understand that your wireless carrier may impose charges for these calls or texts and consent to receive communications is not a condition of purchase. You may revoke your consent at any time.

By including your email in any submission, you are extending an express invitation to each Insurer you have been matched with to contact you by email at any email address you provided (in this case, any such email from an Insurer will not be considered spam or unauthorized by any local, state or federal law or regulation). For any service, you represent that all of the information you have provided in your submission is true and complete.

Affordablehealthinsurancetoday.com seeks to provide you multiple insurance quotes through its network of unaffiliated Insurers. By submitting information on an insurance request form or similar form, you authorize us to provide such information to Insurers in order to help you complete your request. Additionally, by submitting a request for insurance, you authorize the Insurers to verify the accuracy and authenticity of all information supplied by you, both internally and with the assistance of unaffiliated third parties.

To determine which Insurers may be matched with you, Insurers provide to us criteria about the type of insurance and the type of customer (for example, state of residence) in which the Insurer is interested. Affordablehealthinsurancetoday.com will provide your information to Insurers whose criteria match your profile. Where it is discovered that you do not meet certain Insurers' criteria or you do not qualify for their products, you also authorize us to provide your information to other Insurers whose criteria match your profile and whose products we feel might be of help in completing your request.

4. PROPRIETARY RIGHTS AND LICENSES

You are granted a limited, non-transferable, non-sublicensable, non-exclusive, revocable license to use and display the contents of the Website on a single computer solely for your personal use (and not for commercial resale or redistribution) to find insurance and other products or services featured on the Website. All other rights are hereby reserved. "Affordablehealthinsurancetoday.com" and the Affordablehealthinsurancetoday.com logo are service marks owned by Keystone Interactive. Other product and company names mentioned herein, including the names of Insurers, may be the trademarks of their respective owners. Nothing on the Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Website, without the prior written permission of Affordablehealthinsurancetoday.com or the applicable Mark holder specific for each such use. The Marks may not be used to disparage Affordablehealthinsurancetoday.com, the Insurers, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks.

We grant you a revocable right to create a link to the home page of this Website. You will not state or imply that you or any website on which you place such a link, or any of its pages, are endorsed by, sponsored by or affiliated or associated with this Website or Affordablehealthinsurancetoday.com. Nor may you make any representations or warranties, express or implied, with respect to this Website or any products or services available hereon, or any statements that are inconsistent with the Agreement.

5. DISCLAIMERS AND LIMITATIONS OF LIABILITY

Affordablehealthinsurancetoday.com intends that the information contained in the Website be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by Affordablehealthinsurancetoday.com at any time. Under no circumstances will Affordablehealthinsurancetoday.com be liable for any loss or damage caused by your reliance on information obtained through the Website. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Website.

THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." Affordablehealthinsurancetoday.com AND/OR ITS INSURERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, FREEDOM FROM VIRUSES AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR Affordablehealthinsurancetoday.com's SERVICES IS AT YOUR OWN RISK. Affordablehealthinsurancetoday.com AND/OR ITS INSURERS AND SUPPLIERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR Affordablehealthinsurancetoday.com's SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE (INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE), OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Affordablehealthinsurancetoday.com AND/OR ITS INSURERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES AND CERTAIN LIMITATIONS OF LIABILITY, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

6. INDEMNITY

As a condition of use of the Website and/or Affordablehealthinsurancetoday.com's services, you agree to indemnify Affordablehealthinsurancetoday.com and its affiliates, suppliers and Insurers, and its and their respective members, managers, directors, officers and employees, from and against any and all liabilities, expenses (including reasonable attorneys' fees), claims and damages arising out of your use of the Website, including without limitation any claims alleging facts that if true would constitute a breach by you of the Agreement.

7. LINKS TO THIRD-PARTY WEBSITES

The Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Affordablehealthinsurancetoday.com does not operate or control in any respect any information, software, products or services available on such websites. Affordablehealthinsurancetoday.com's inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Affordablehealthinsurancetoday.com is not responsible for the accuracy or content of the information provided by any third-party website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of technologies or programs available through that website.

8. AGREEMENT TO ARBITRATE

You and we each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any products or services sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this "Agreement to Arbitrate").

Prohibition of Class and Representative Actions and Non-Individualized Relief

You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims, and may not otherwise preside over any form if a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect our other users.

Arbitration Procedures

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.

The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules and a form for initiating arbitration proceedings is available on the AAA's site at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Florida, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

This arbitration provision shall survive termination of this Agreement to Arbitrate and the closing of your Account or your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.

Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA's rules.

Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA's rules.

Confidentiality

The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties' respective attorneys, tax advisors and senior management and to family members of a party who is an individual.

Severability

With the exception of any of the provisions in of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief"), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 1 of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.

9. WEBSITE PROVIDED FROM THE UNITED STATES

If you are using the Website from outside the United States, please be aware that your information will be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using the Website, which is provided exclusively from the United States, you hereby consent to the transfer of your information to the United States and its collection, storage, sharing and use as described in our Privacy Policy. You further agree that all transactions relating to the Website shall be deemed to have occurred in the United States. Those who access or use the Website from other jurisdictions do so at their own volition and are responsible for compliance with all local laws, statutes, rules, regulations and codes.

10. OTHER TERMS

This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Website, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Websites) constitutes the entire agreement between you and Affordablehealthinsurancetoday.com with respect to the Website and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Affordablehealthinsurancetoday.com with respect to the Website and information, software, products and services associated with it. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All terms of the Agreement shall survive any termination hereof, except for those terms (like licenses) that are revocable or, by their context, are not intended to survive termination.

We shall not be responsible for any errors, failure to perform or delay in performance of any obligation hereunder due to labor disturbances, accidents, fires, floods, telecommunications or Internet failures, strikes, wars, riots, rebellions, blockades, acts of government, governmental requirements and regulations or restrictions imposed by law, acts or failures of third-party service providers or other third parties, or any other similar conditions beyond our reasonable control. You agree that no joint venture, partnership, employment or agency relationship exists between you and Affordablehealthinsurancetoday.com or any of our affiliates as a result of this Agreement or your use of the Website. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement.

All notices, demands and other communications hereunder shall be in writing and shall be effective upon receipt, provided that we may provide notice to you by posting announcements on the Website or sending an e-mail to you at any email address you have on file with us. Any such email notice to you will be deemed given on the day it is sent. Except as specified in the next sentence, all notices to us of a legal nature shall be in writing and shall be sent by certified first-class U.S. mail, return receipt requested, to: Keystone Interactive, LLC, 5499 N FEDERAL HWY, SUITE A, BOCA RATON, FL 33487. All notices regarding copyright or other intellectual property infringement issues shall be sent in accordance with our intellectual property policy described in the section entitled "Copyright and Other Intellectual Property Infringement" below. If you have any questions about the Agreement, or if you need to notify us about a non-legal matter, then contact us through the "Contact Us'' form on the Website.

This Agreement is not assignable by you, except by operation of law; Affordablehealthinsurancetoday.com may assign its rights under this Agreement without condition. This Agreement will be binding upon and will insure to the benefit of the parties, their successors and permitted assigns.

11. COPYRIGHT AND OTHER INTELLECTUAL PROPERTY INFRINGEMENT

As Affordablehealthinsurancetoday.com asks others to respect its intellectual property rights, it respects the intellectual property rights of others, and requires its users to do so. If you are a copyright owner or an agent thereof and believe that any third-party content on the Website infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C § 512(c)(3) for further detail):

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on or available through our Website are covered by a single notification, a representative list of such works at those locations;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit Affordablehealthinsurancetoday.com to locate the material;

Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an electronic mail address; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Affordablehealthinsurancetoday.com's designated Copyright Agent to receive notifications of claimed infringement is Copyright Agent, address: 5499 N FEDERAL HWY, SUITE A, BOCA RATON, FL 33487. For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to Affordablehealthinsurancetoday.com customer service. You acknowledge that if you fail to comply with all of the requirements of this Section, your DMCA notice may not be valid.

In the event that you believe Affordablehealthinsurancetoday.com removed any of your content in response to a false notice of copyright infringement, you should notify Affordablehealthinsurancetoday.com promptly in writing pursuant to the DMCA, at the mailing address provided above. Such notification should include:

Your physical or electronic signature;

Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;

A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and

Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the state of Florida, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

Furthermore, you should include a clear statement of your acceptance of the process pertaining to the notifying party or the agent of the party as defined in DMCA § 512(c)(1)(C). If a counter-notice is received by the Copyright Agent, Affordablehealthinsurancetoday.com may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the content provider or user, the removed content may be replaced, or access to it restored, in ten (10) to fourteen (14) business days or more after receipt of the counter-notice, at our sole and absolute discretion.

Affordablehealthinsurancetoday.com has a policy of terminating the account of, or denying access or use of the Website to, in its sole and absolute discretion, any user who repeatedly infringes the copyrights or other intellectual property rights of others.

If you believe that any of your intellectual property rights other than copyrights have been infringed (for example, if you believe that any product listed on the Site is infringing your trademarks), please email Affordablehealthinsurancetoday.com at [email protected]. Affordablehealthinsurancetoday.com reserves the right, in its sole and absolute discretion, to suspend or terminate the account of any user who infringes the intellectual property rights of Affordablehealthinsurancetoday.com or others, and/or to remove, delete, edit or disable access to such person's User Content. Affordablehealthinsurancetoday.com shall have no liability for any action taken pursuant to this Section.

12. VOICE RECORDING AND MONITORING CONSENT

You agree and consent that Keystone Interactive may record or monitor oral or voice communications, utterances, and conversations or commands made by you during any calls you make to Keystone Interactive as permitted by 18 U.S.C. §§ 2511 et seq., Cal. Penal Code § 632 et seq., and other state laws that regulate call monitoring and recording. By calling Keystone Interactive, you expressly consent and grant it the right to record or monitor and use this information in connection with RSI and for the purposes set out in the Privacy Policy. Keystone Interactive is under no obligation to monitor or record its services for accuracy, completeness, or quality.

13. HEALTH INFORMATION

The health information on this website is provided by Keystone Interactive solely for informational purposes. It is not meant to provide medical advice tailored to you in any way. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. Keystone Interactive assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this website. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely on information on this site as a tool for self-diagnosis.

14. POLICY REGARDING USER CONTENT

Keystone Interactive provides this website as a benefit to its users, and strives to make this online forum safe for all users. Keystone Interactive has developed the following policies regarding the removal of user content from this website. As a user of this website, you agree to follow and to be bound by these policies.

Keystone Interactive may remove content it deems, in its sole discretion, to be inappropriate, harmful, or violates the rights of others from this website including, but not limited to:

• content that threatens or promotes injury to others or self
• content that threatens or promotes violence to any person or property
• content that threatens or promotes criminal conduct or unlawful activity
• content used to harass, bully, blackmail, or disparage another
• content containing hate speech
• content containing nudity or graphic depictions of sex or violence
• content that is harmful to this website, to this online forum, to Keystone Interactive, or to the goodwill associated with any of Keystone Interactive's trademarks
• content that violates the rights of another, including, without limitation, contractual rights, intellectual property rights and rights of publicity and privacy

Keystone Interactive encourages users to notify it of content that may be inappropriate or harmful. In fact, a user may notify Keystone Interactive of potentially inappropriate or harmful content by sending a message to the following individual:

Compliance Department

[email protected]

5499 N FEDERAL HWY, SUITE A,

BOCA RATON, FL 33487

15. PRODUCTS AND SERVICES PROVIDED BY THIRD PARTIES

Keystone Interactive connects individuals with insurance providers and is not an insurance or operating company. Therefore, products and services are provided exclusively by or through the insurance providers and not Keystone Interactive.

16. PRODUCTS AND SERVICES DESCRIPTIONS NOT AVAILABLE IN ALL STATES

The products and services descriptions provided by Keystone Interactive are for informational purposes only and are subject to change. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product or service should call 888-258-0080 to determine eligibility and to request a copy of the applicable policy or other plan documents for a complete description of the product.

17. TRADEMARKS

There are references throughout the website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners. The registered marks and other Keystone Interactive marks are owned by Keystone Interactive, LLC.