Updated: August 22, 2020
When accessing the http://healthnsuranceadvisors.com/ website, will learn certain information about you during your visit.
Similar to other commercial websites, our website utilizes a standard technology called "cookies" (see explanation below) and server logs to collect information about how our site is used. Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.
Use of Retargeting Cookies
A retargeting cookie is a very similar to the cookies mentioned above except it may be used across other platform or browser experiences, such as Google search, Websites and Webpages, Facebook, YouTube, or other social and digital platforms. Retargeting cookies have been around for ages and are meant to remind you about something you may have been researching or shopping for but then got busy with life or distracted. Have you ever researched a waffle iron online and then you got busy and went to go do something else? But then over the next several days you see waffle irons everywhere!? That is retargeting my friend.
Retargeting Cookies are meant to be useful and meaningful and can sometimes be downright annoying. We try to make our cookies something meaningful but we may get annoying at times too. If we do, we apologize in advanced. To remove cookies, you can clear the cache on your browser.
Here are instructions on how to do that:
IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.
Since this site is related to Healthcare, we must abide by TCPA Compliance regulations and standards, which also require your IP Address is recorded to reduce fraud and misuse of your personal information and privacy.
TCPA Compliance basically means no one should contact you by telephone that you have not given consent to contact you. But we would be remiss if we didn't include the legal mumbo jumbo that we are required to provide on a website.
Telemarketing calls to third-party generated leads are subject to the Telephone Consumer Protection Act (TCPA.) The TCPA currently prohibits using an auto-dialer or artificial or prerecorded voice to place calls to a phone unless the caller (this is you) has obtained the prior express consent of the called party. Telemarketers are required to have prior express written consent to do the same thing.
Telemarketers will also need this form of written consent for all prerecorded telemarketing calls placed to landlines. As a practical matter, this means that a purchaser of leads will face a higher standard to prove that the consumer did, in fact, consent to be called.
To comply with these standards we collect your IP Address (As mentioned above. Ah, it's all coming full circle) along with your personal information that you have provided to ensure we are meeting compliance and our business is following all regulated processes in place to protect you.
How Do We Use the Information That You Provide to Us?
Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other items and services to our customers and prospective customers.
We will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us. But we may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our own legal rights.
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received online, mail and telephone. This also applies when you register for our website, sign up through any of our forms using your email address or make a purchase on this site. For further information see the email policies below.
We are committed to keeping your e-mail address confidential. We do not release your information to any government agency, unless strictly compelled to do so by law.
We will use your e-mail address solely to provide timely information about Medicare plans, reducing healthcare costs, and free education about Medicare and its annual changes. Occasionally, we may share valuable offers that we feel you would enjoy. If not, you can always opt out of our communications on email or phone. By law, you should not hear back from us again. But those requests may take 24-48 hours to process for online/email type activities and could take up to 90 days for direct mail or catalog requests. Also, don't forget sometimes technology has a mind of it's own and things get lost in cyber space. If that is the case and your request was not transmitted properly, we may contact you but we promise it was not intentional if you had indeed opted out but somehow didn't make it our customer service team properly or in a timely manner. We apologize in advance and ask you submit the request to opt-out again or contact us at firstname.lastname@example.org .
We will maintain the information you send via e-mail in accordance with applicable federal law.
In compliance with the CAN-SPAM Act, all e-mail sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.
Our site provides users the opportunity to opt-out of receiving communications from us and our partners by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at anytime.
Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail or contacting us at email@example.com.
Use of External Links
https://healthinsuranceadvisors.com/ may contain links to many other websites. We cannot guarantee the accuracy of information found at any linked site. Links to or from external sites not owned or controlled by do not constitute an endorsement by or any of its employees of the sponsors of these sites or the products or information presented therein.
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
Intellectual Property Rights
All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from Real Talk Media (our contact information is at the bottom of this page).
You kindly ask that you do not:
- Republish material from our website without prior written consent.
- Sell or rent material from our website.
- Reproduce, duplicate, create derivative, copy or otherwise exploit material on our website for any purpose.
- Redistribute any content from our website, including onto another website.
You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.
You must not use our website to send unsolicited commercial communications. You must not use the content on our website for any marketing related purpose without our express written consent.
We may in the future need to restrict access to parts (or all) of our website and reserve full rights to do so. If, at any point, we provide you with a username and password for you to access restricted areas of our website, you must ensure that both your username and password are kept confidential.
Use of Testimonials
In accordance to with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:
Testimonials that appear on this site are actually received via text, audio or video submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way. They are individual results and results do vary. We do not claim that they are typical results. The testimonials are not necessarily representative of all of those who will use our products and/or services.
The testimonials displayed in any form on this site (text, audio, video or other) are reproduced verbatim, except for correction of grammatical or typing errors. Some may have been shortened. In other words, not the whole message received by the testimonial writer is displayed when it seems too lengthy or not the whole statement seems relevant for the general public.
Real Talk Media is not responsible for any of the opinions or comments posted on https://healthinsuranceadvisors.com/. is not a forum for testimonials, however provides testimonials as a means for customers to share their experiences with one another. To protect against abuse, all testimonials appear after they have been reviewed by management of . doe not share the opinions, views or commentary of any testimonials on http://healthinsuranceadvisors.com/. - the opinions are strictly the views of the testimonial source.
The testimonials are never intended to make claims that our products and/or services can be used to diagnose, treat, cure, mitigate or prevent any disease. Any such claims, implicit or explicit, in any shape or form, have not been clinically tested or evaluated. Testimonials are also not intended to provide a promise or unsubstantiated claims.
How Do We Protect Your Information and Secure Information Transmissions?
Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. However, doing so is allowed, but at your own risk. Some of the information you may enter on our website may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL. Credit Card information and other sensitive information is never transmitted via email.
This site may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.
For site security purposes and to ensure that this service remains available to all users, uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
General Data Privacy Regulation (GDPR)
As a company that markets its site content, products and/or services online we do not specifically target our marketing to the EU or conduct business in or to the EU in any meaningful way. If the data that you provide to us in the course of your use of our site or services or products is governed by GDPR, we will abide by the relevant portions of the regulation. If you are a resident of the European Economic Area (EEA), or are accessing this site from within the EEA, you may have the right to request: access to, correction of, deletion of; portability of; and restriction or objection to processing, of your personal data, from us. This includes the “right to be forgotten.”
To make any of these requests, please contact our GDPR contact at firstname.lastname@example.org.
Disclaimer and Limitation of Liability
Real Talk Media makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to this site.
All the materials on this site are provided "as is" without any express or implied warranty of any kind, including warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose. In no event shall or its agents or associates be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information, injury or death) arising out of the use of or inability to use the materials, even if has been advised of the possibility of such loss or damages.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
If you have any questions regarding this policy, or your dealings with our website, please contact us here: