Privacy Policy

1. Introduction

This Privacy Policy explains how Lead Plateau (“we,” “us,” or “our”) collects, uses, discloses, and safeguards your information when you visit our website at insured.monster (“the Site”). We are committed to protecting your privacy and ensuring the security of your personal information in compliance with applicable federal and state laws, including but not limited to the Health Insurance Portability and Accountability Act (HIPAA), the Affordable Care Act (ACA), and the California Consumer Privacy Act (CCPA).

2. Information We Collect

Personal Identifiers

• Full name, email address, phone number, mailing address
• Date of birth, IP address, and device information

Health-Related Information

• General health insurance preferences and current insurance status
• Household size and income range (for subsidy eligibility estimation)

Technical Information

• Browser type, operating system, referring URLs
• Pages viewed, time on pages, cookies and tracking technologies

3. How We Use Your Information

• Connecting you with licensed, state-certified insurance agents
• Facilitating communication between you and insurance professionals
• Determining potential eligibility for ACA subsidies and plan types
• Responding to inquiries and providing customer support
• Improving our website, services, and user experience
• Complying with legal and regulatory obligations
• Preventing fraud and ensuring the security of our services

4. Protected Health Information (PHI)

While we are not a covered entity under HIPAA, we take the protection of any health-related information seriously. We implement administrative, technical, and physical safeguards to protect health-related information you provide through our platform. We do not use health information for marketing purposes unrelated to your insurance inquiry.

5. Sharing of Information

We may share your personal information with:

• Licensed Insurance Agents: Independent, state-licensed agents and brokers
• Insurance Carriers: Authorized companies offering ACA-compliant plans
• Service Providers: Third parties that assist in operating our website
• Legal Authorities: When required by law, subpoena, or court order

We do not sell your personal health information.

6. Your Rights

• Access: Request information about personal data we hold
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data
• Opt-Out: Opt out of marketing communications at any time
• Portability: Request a copy of your data in a commonly used format
• Non-Discrimination: Exercise rights without discriminatory treatment

To exercise any of these rights, contact us at [email protected].

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience and gather usage information. You can control cookies through your browser settings. We use essential cookies, analytics cookies, and functional cookies.

8. Data Security

We implement industry-standard security measures including SSL/TLS encryption, secure data storage with access controls, regular security assessments, and employee training on data protection practices. However, no method of electronic transmission or storage is 100% secure.

9. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

10. Children's Privacy

Our services are intended for individuals 18 years of age and older. We do not knowingly collect personal information from children under 18.

11. California Privacy Rights (CCPA/CPRA)

California residents have additional rights including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of personal information
• The right to opt out of the sale or sharing of personal information
• The right to correct inaccurate personal information
• The right to non-discrimination for exercising privacy rights

12. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through a notice on our Site.

14. Consent

By using our website, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and sharing of your information as described herein.