Privacy Policy

Privacy and Policy

 
Assurance values your trust and respects your privacy. These resources can help you understand how we use your personal information and how you can manage your privacy choice. How we protect your privacy:
 
Privacy Policy
At instanthealthusa.com (referred to herein as the “Website” or instanthealthusa.com”) we are strongly committed to protecting your privacy and have established this Privacy Policy (“Privacy Policy”) which details how we use and protect your information. The terms “you” and “your” when used in this Privacy Policy means any visitor to or user of the Website.
 
This Privacy Policy is intended to help you understand the online information security practices of INSTANT HEALTH USA INSURANCE AGENCY INC. and its affiliates and subsidiaries (together, “INSTANT HEALTH USA”). For additional details about the Website and the information provided on the Website, please review our Terms and Condition of Use.
 
In viewing and using the Website, you understand that INSTANT HEALTH USA, as a developer and administrator of web-based individual and group health insurance plans and ancillary products, obtains certain information about you including non-personally identifiable information that is collected in aggregate (i.e., website use information), certain “personally identifiable information” about you that you provide as described herein (“Personally Identifiable Information”), and “protected health information”, which is information about your health, medical history, or claims information that you provide to us (“Protected Health Information”). Personally Identifiable Information and non-personally identifiable information will be referred to as “Information” in this policy. You understand that INSTANT HEALTH USA Information about you, including your Personally Identifiable Information and Protected Health Information, subject to the terms of this Privacy Policy. This Information and Protected Health Information that may be collected includes Information and Protected Health Information we may receive from you in connection with on-line forms and applications for, among other things, insurance policies, insurance claims, insurance quotes, or other forms, information about your transactions with us and information we may have received from a consumer reporting agency.
 
All Information and Protected Health Information collected from this Website is subject to applicable privacy laws and regulations and will be handled as described in this Privacy Policy.
 
Your Consent
By using the Website and/or submitting Personally Identifiable Information and/or Protected Health Information through the Website, you consent and agree to (i) the terms of this Privacy Policy, (ii) to the collection and use of Information and Protected Health Information by INSTANT HEALTH USA pursuant to the terms of this Privacy Policy, and (iii) the INSTANT HEALTH USA Terms and Conditions of Use provided on the Website.
 
Safeguards Maintained INSTANT HEALTH USA Protect Your Personally Identifiable and Protected Health Information
We make every effort to protect your Personally Identifiable Information and Protected Health Information. INSTANT HEALTH USA protects your Personally Identifiable Information and your Protected Health Information by maintaining physical, electronic, and procedural safeguards that protect such information, including data encryption, user names and passwords, and other security tools.
 
Disclosure and Use of Your Protected Health Information and, Personally Identifiable Information
Protected Health Information. Because we are a business associate of certain health insurers and group health plans, we are subject to many of the privacy and security requirements of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). INSTANT HEALTH USA protects your Protected Health Information as required by HIPAA and INSTANT HEALTH USA will not disclose Protected Health Information that you provide via the Website (e.g. information provided on an application or in connection with a policy or a claim) unless one or more of the following conditions are met:
 
  • We receive your prior written authorization. Answers to questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. INSTANT HEALTH USA will not give or sell such information about you to any other company, individual, or group without your prior authorization.
  • We verify that the prospective recipient is you or your authorized representative.
  • We are required by law to disclose the information.
  • The disclosure is permitted under HIPAA.
Information and Personally Identifiable Information. INSTANT HEALTH USA uses Information, including Personally Identifiable Information, as allowed by law and as described herein. INSTANT HEALTH USA protects your Personally Identifiable Information by, for example:
 
  • Not disclosing Personally Identifiable Information about you to anyone, except as permitted by law.
  • Restricting access to your Personally Identifiable Information to authorized individuals who need to know this information in order to provide services and/or products to you.
  • Not allowing employees to share your Personally Identifiable Information outside INSTANT HEALTH USA except as authorized by you or for a specific business purpose.
The law permits us to share certain Information with (i) our affiliates, (ii) non-affiliate insurance companies, group health plans and insurance service providers, and (iii) companies that perform marketing services for us (including, without limitation, licensed insurance agents and/or brokers). We will share such Information only as permitted by law, and this Information may or may not include Personally Identifiable Information and/or Protected Health Information, and may or may not be directly related to our transaction with you.
 
INSTANT HEALTH USA will use Information about you to help us better serve your insurance needs or to suggest INSTANT HEALTH USA services or insurance materials that may be of interest to you.
 
We may share your Information, which may or may not include Protected Health Information, as permitted by law, among insurance companies, including for routine business administration. As permitted by law, we may share Information, which may or may not include Protected Health Information, with non-affiliated companies such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
 
We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to Personally Identifiable Information including your name, address, telephone number and e-mail for the purpose of providing you information regarding products and services that we think will be of interest to you.
 
In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. We also use third parties to facilitate our business, including, but not limited to, sending e-mail and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your Personally Identifiable Information for use in connection with such business activities.
 
If you choose to send us an e-mail, we will do our best to respond to your request in a timely manner. We may use return e-mail addresses you provide to send e-mails and to answer the e-mail we receive. We may forward your request on to third parties in situations where we cannot answer your question, and may also respond to your e-mail with offers or correspondence which we believe may be relevant to you. If you choose to give us Personally Identifiable Information such as your zip code, e-mail, contact information, etc., we may share this information with third parties to help answer your questions or fulfill your request. We reserve the right to use such data provided to us for any legally permissible purpose. We may use our e-mail lists for sending newsletters and other INSTANT HEALTH USA outbound communications, such as product information.
 
We also reserve the right to use your Personally Identifiable Information to send you e-mails regarding system downtime and/or changes to this Privacy Policy or the Terms and Conditions of Use and you are not permitted to opt out of receiving these e-mail messages.
 
Our management team uses non-personally identifiable information to improve the user experience for all Website visitors. We may analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to better serve our visitors.
 
Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when required by law, or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court order or legal process served on INSTANT HEALTH USA or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of INSTANT HEALTH USA, its employees, members or others, or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of INSTANT HEALTH USA, its employees, members or others.or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of INSTANT HEALTH USA, its employees, members or others.
 
You do not need to call, or do anything as a result of this Privacy Policy. It is meant to advise how we safeguard your Information, including your Personally Identifiable Information and your Protected Health Information.
 
The Personally Identifiable Information and Protected Health Information you submit to us through the Website may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing of such information may be less stringent than the laws in your country.
 
Categories of Information That We Collect
Certain of the materials and information provided by INSTANT HEALTH USA the Website is available without INSTANT HEALTH USA collecting any Personally Identifiable Information from you. However, INSTANT HEALTH USA does collect Personally Identifiable Information and/or Protected Health Information that you provide voluntarily during the course of using the Website.
 
In the normal course of business we may collect the following types of information:
 
  • Information you provide on applications and other forms (including your name and address), which may include Personally Identifiable Information and/or Protected Health Information, including Information you might provide in connection with our Insurance Plan Cost Estimator Tool or in requesting a quote.
  • Data about your transactions with us (such as types of products you have purchased and your account status).
  • Information gathered on our Website through online forms, site visit data and online information-collecting devices such as “cookies” and as further described herein.
When you choose to request a quote for, or request more information about, health insurance or ancillary products, you may provide Information about yourself, including your name, address, age, birthdate, gender, amount of coverage requested, phone number, e-mail address, and other items. This Information is shared with relevant third-parties necessary to fulfill your request. We may share this Information with insurance agencies, insurance brokers, and insurance companies. We do not share this Information with outside parties except to the extent necessary to complete your request such as submitting your application to insurer(s). To the extent that Protected Health Information is provided, such information will be used only as permitted by HIPAA.
 
Insurance institutions and other service providers subscribe to our system and compete for the opportunity to provide insurance products and services that match your inquiry. When you make an inquiry about an insurance quote and enter your personal information and click the “Submit” or “Get Quotes” button, you are authorizing the sharing of your inquiry and your Personally Identifiable Information entered with other businesses who provide insurance products or services that match your inquiry. By submitting your Personally Identifiable Information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state).
 
However, you should be aware that we have no control over how other businesses with whom we share your Personally Identifiable Information may use such Information or whether they will sell or share your Information with third parties.
 
Occasionally, INSTANT HEALTH USA may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. INSTANT HEALTH USA will only provide such third parties with non-personally identifiable information in connection with such marketing surveys or marketing research.
 
Cookies, Web Beacons, Clear Gifs, and IP Addresses
INSTANT HEALTH USA may also use a feature of your browser called a “cookie.” Your cookie automatically identifies your computer – but not you – to our servers when you visit the Website and allows us to correlate your computer with certain usage patterns which are stored in our log files. We may use cookies to gather general, aggregate statistics about the overall popularity and usage of the Website. INSTANT HEALTH USA also use more temporary cookies, often referred to as session cookies, to keep a user logged into the system and aid in the exchange of information between pages without loss of data. Such a cookie, however, is only stored for the current browsing session and is deleted once the browser is closed. Search for Cookies under your Web browser Help menu for more information on cookie management features available to you. If your browser is set to reject all cookies, the Website may not function properly.
 
INSTANT HEALTH USA also collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. When authorized by INSTANT HEALTH USA, third parties specializing in monitoring aggregate statistical use of the Website with whom we contract, may use cookies, our web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.
 
Additionally, we may use IP address information to count and track aggregate visits to the Website, to help diagnose problems with our server, and to administer the Website. INSTANT HEALTH USA does not link IP addresses to anything personally identifiable, so while a particular user session can be tracked, the user remains completely anonymous.
 
Third-party Access and Use
Occasionally, we hire third-party service providers to help provide or improve the services we offer you. Sometimes it is necessary for these providers to have access to the Personally Identifiable Information and/or Personal Health Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.
 
We may share aggregate information about Website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about Website users to continue to improve our service for you.
 
As permitted by law, we may disclose Information, which may or may not include Protected Health Information, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of INSTANT HEALTH USA assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your Information, including any possible use of your Personally Identifiable Information and Protected Health Information, to the extent that any such information is transferred.
 
Accuracy of Your Information
We strive to maintain the accuracy of Information, including Personal Health Information and Protected Health Information, that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your Information, including Protected Health Information. If you believe any Information in our possession, including any Protected Health Information, is inaccurate, a request can be made to amend or delete such information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question.
Certain users of the Website may review and make changes to some of the Personally Identifiable Information that we collect and maintain online by simply logging in to the Website by inputting their username and password where indicated and following the instructions provided.
 
You can also correct factual errors in your Personally Identifiable Information by sending us a request that clearly shows the error that is to be corrected. Please contact help.
 
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. In addition, you may be prompted at certain times on the Website to update and correct your Personally Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and accurate.
 
Other Websites and Links
The Website contains links to other websites that are not operated by INSTANT HEALTH USA. Please note that when you click on a link to one of these sites, you are exiting the Website to go to another site. INSTANT HEALTH USA is not responsible for the content or privacy practices of these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from ours.
 
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information and Protected Health Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personally Identifiable Information we collect online and we make good faith efforts to store your Personally Identifiable Information in a secure operating environment. We comply with HIPAA security requirements with respect to safeguarding and securing your Protected Health Information. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information and Protected Health Information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. If INSTANT HEALTH USA provides you with a user name and password to access portions of the Website, INSTANT HEALTH USA disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your user name and password to others. INSTANT HEALTH USA further disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy number(s) and social security number, which may in some instances be used to access Personally Identifiable Information or Protected Health Information on the Website. If someone calls you, explains the call is on behalf of INSTANT HEALTH USA asks for your policy number or social security number, you should beware.
 
Changes to the Privacy Policy
We encourage you to review this Privacy Policy not just the first time you visit the Website but periodically afterwards since we may modify this Privacy Policy from time to time. The date of the last update of this Privacy Policy will always be posted below:
 
THIS PRIVACY POLICY WAS LAST REVISED ON JULY 1, 2022.
If we make any substantive changes to this Privacy Policy in the future with regard to how we use your Personally Identifiable Information or Protected Health Information, we will incorporate those changes here. Your continued use of the Website after the changes are posted constitutes your agreement to the changes, both with regard to Information, including Protected Health Information, we have previously collected from you and with regard to Information, including Protected Health Information, we collect from you in the future. If you do not agree to the changes, please discontinue use of the Website. Lastly, if INSTANT HEALTH USA is sold or merged with another company, your Personally Identifiable Information and Protected Health Information will be included as part of the sale but unless you notified that the Privacy Policy is changed, your Personally Identifiable Information and Protected Health Information will be maintained in the same manner.
 
Children Privacy
The Website is not intended to be used by children and is not directed toward children under the age of 13. INSTANT HEALTH USA does not use the Website to knowingly solicit data from or market to children under the age of 13. The Website does not sell products for purchase by children. No person under 13 years of age should disclose information on the Website. If you are under 18, you may use the Website only with the involvement of a parent or guardian.
 
Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children privacy.
 
How to Contact Us
We appreciate your questions or comments about this Privacy Policy, the practices of the Website, or your dealings with INSTANT HEALTH USA. Please send e-mail to: [email protected], or you can send snail mail to: INSTANT HEALTH USA INSURANCE AGENCY INC., 976 Florida Central Parkway, Suite 136, Longwood, FL 32750; Toll Free Telephone: 1-877-376-5831; Toll Free Fax: 1-877-376-5832.
 
We encourage you to send us e-mail but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via e-mail.
 
California Residents Privacy Rights
Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your Personally Identifiable Information not be shared with third parties by sending your request, including your full name, e-mail address and postal address to: [email protected]. In accordance with California Civil Code Sec. 1798.83, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by e-mail to [email protected].
 
How to Contact Us
We appreciate your questions or comments about this Privacy Policy, the practices of the Website, or your dealings with INSTANT HEALTH USA. Please send e-mail to: [email protected], or you can send snail mail to: INSTANT HEALTH USA INSURANCE AGENCY INC., 976 Florida Central Parkway, Suite 136, Longwood, FL 32750; Toll Free Telephone: 1-855-221-5852; Toll Free Fax: 1-877-376-5832.
 
We encourage you to send us e-mail but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via e-mail.
 

Mobile Terms of Service

Instant Health USA Agency INC

Last updated: June 9, 2023

The Instant Health USA Agency INC mobile message service (the “Service”) is operated by Instant Health USA Agency INC (“Instant Health USA Agency INC”, “we”, or “us”). Your use of the Service constitutes your agreement to these terms and conditions (“Mobile Terms”). We may modify or cancel the Service or any of its features without notice. To the extent permitted by applicable law, we may also modify these Mobile Terms at any time and your continued use of the Service following the effective date of any such changes shall constitute your acceptance of such changes.

By consenting to Instant Health USA Agency INC’s SMS/text messaging service, you agree to receive recurring SMS/text messages from and on behalf of Instant Health USA Agency INC through your wireless provider to the mobile number you provided, even if your mobile number is registered on any state or federal Do Not Call list. Text messages may be sent using an automatic telephone dialing system or other technology. Service-related messages may include updates, alerts, and information (e.g., order updates, account alerts, etc.). Promotional messages may include promotions, specials, and other marketing offers (e.g., cart reminders).

You understand that you do not have to sign up for this program in order to make any purchases, and your consent is not a condition of any purchase with Instant Health USA Agency INC. Your participation in this program is completely voluntary.

We do not charge for the Service, but you are responsible for all charges and fees associated with text messaging imposed by your wireless provider. Message frequency varies. Message and data rates may apply. Check your mobile plan and contact your wireless provider for details. You are solely responsible for all charges related to SMS/text messages, including charges from your wireless provider.

You may opt-out of the Service at any time. Text the single keyword command STOP to +18668415622 or click the unsubscribe link (where available) in any text message to cancel. You’ll receive a one-time opt-out confirmation text message. No further messages will be sent to your mobile device, unless initiated by you. If you have subscribed to other Instant Health USA Agency INC mobile message programs and wish to cancel, except where applicable law requires otherwise, you will need to opt out separately from those programs by following the instructions provided in their respective mobile terms.

For Service support or assistance, text HELP to +18668415622 or email [email protected].

We may change any short code or telephone number we use to operate the Service at any time and will notify you of these changes. You acknowledge that any messages, including any STOP or HELP requests, you send to a short code or telephone number we have changed may not be received and we will not be responsible for honoring requests made in such messages.

The wireless carriers supported by the Service are not liable for delayed or undelivered messages. You agree to provide us with a valid mobile number. If you get a new mobile number, you will need to sign up for the program with your new number.

To the extent permitted by applicable law, you agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the Service, any errors in such information, and/or any action you may or may not take in reliance on the information or Service.

We respect your right to privacy. To see how we collect and use your personal information, please see our Privacy Notice.