Our commitment to your privacy
The TRUSTe program covers only information that is collected through this website: www.cobra-insurance.com, and does not cover information that may be collected behind Customer Login pages and all Affiliate pages.
In order to view our relationship with TRUSTe please visit the validation page visible by clicking on the TRUSTe seal. If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe here.
Why do we collect your information? We help consumers shop for insurance, discounted health plans and other related products by connecting consumers with insurance companies, insurance agents, discount program representatives and other vendors, including vendors who also help match consumers with insurance providers or other vendors (we refer to all of these as "Providers", and we sometimes refer to both consumers and Providers as our "users"). Since we deal with many Providers, the more detailed information you provide to us, the more accurate a quote our Providers may help you locate.
Newsletters. If you elect to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. If you no longer wish to receive our newsletter, you may opt-out at any time by following the instructions included in each newsletter.
Information we collect and how we use it
What do we collect and how do we use it? By clicking "Get My Quotes" you expressly authorize up to eight insurance companies or their agents or partner companies to contact you at the number and address provided with insurance quotes or to obtain additional information for such purpose, via live, prerecorded or autodialed calls, text messages or email. You understand that your signature is not a condition of purchasing any property, goods or services and that you may revoke your consent at any time. You understand that the insurance companies or their agents or partner companies may confirm your information through the use of a consumer report, which may include your credit score and driving record.
Our users may from time-to-time provide us with personally identifiable information. Personally identifiable information generally means any information that may be used to identify an individual, including, but not limited to, your name, home address, telephone number, and email address.
Examples of personally identifiable information may include:
- First and Last Name
- Postal Address
- Email Address
- Phone Number
- Date of Birth
Some of our users requesting quotations for health insurance may also be asked to provide certain personal health information, such as:
- Major Health Conditions
- Prescription Medications you or a family member may be taking
- Whether or not you have been hospitalized in the past 5 years
- Whether or not you have been treated by a doctor for a major health condition in the past year
We process personally identifiable information as described herein and also for such purposes as:
- To deliver our products and services to users, including the display of customized content and advertising;
- To conduct research and analysis in order to maintain and improve our products and services;
- Ensuring the technical functioning of our system and network;
- To aid us in developing new services;
- To alert you to product updates, special offers, updated information and other new services. (You may opt-out of these communications if you so choose.)
- To contact you in response to your requests for information; and
- To provide you quotes from up to 8 Providers who may contact you using the information you provide or to obtain additional information needed to provide quotes.
Further, we may aggregate information we receive from you and from our other users and may use or disclose such aggregate information to third parties in a manner that does not disclose any individual user's personally identifiable information.
Affiliate Information. If you wish to contact us as an affiliate or register as an affiliate we collect your name, company name, email address and phone number. We use this information to respond to your message/comment and for contacting potential affiliates to determine the potential for a business relationship. We do not disclose this information to third parties.
If you add another driver’s information when filling out the insurance quote form on our site, we will ask you for the other driver’s name and email address. We store this information for the sole purpose of providing you quotes.
The other driver/s may contact us at email@example.com to request that we remove this information from our database.
IMPORTANT NOTICE REGARDING CONSUMER REPORT PRACTICES AS STATED ABOVE, BY CLICKING "GET MY QUOTES" AND SEEKING A QUOTE REQUEST, YOU AUTHORIZE AND AGREE THAT A PROVIDER MAY OBTAIN ADDITIONAL BACKGROUND INFORMATION ABOUT YOU TO PROVIDE YOU WITH YOUR REQUESTED INSURANCE QUOTE OR POLICY INFORMATION. FOR EXAMPLE, CONSUMER AND/OR CREDIT REPORTS, OR DRIVING RECORDS, MAY BE ORDERED IN CONNECTION WITH YOUR QUOTE REQUEST. THESE REPORTS MAY PROVIDE ADDITIONAL INFORMATION THAT MAY ASSIST PROVIDERS IN DETERMINING YOUR ELIGIBILITY FOR INSURANCE, DISCOUNT HEALTH PLANS OR OTHER PRODUCTS OR SERVICES, AND RATES THAT YOU MAY BE CHARGED. CONSUMER REPORTS MAY ALSO BE USED FOR UPDATES, RENEWALS, OR EXTENSIONS OF ANY INSURANCE YOU MAY OBTAIN. A PROVIDER MAY ALSO OBTAIN AND USE A CREDIT-BASED INSURANCE SCORE CONTAINED IN YOUR CREDIT REPORT. THIS INFORMATION MAY BE COMBINED BY A PROVIDER WITH INFORMATION YOU SUBMIT TO US, AND BY CLICKING SUBMIT AND SEEKING A QUOTE REQUEST, YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR WRITTEN PERMISSION TO OUR PROVIDERS TO OBTAIN YOUR CREDIT REPORT.
Log Files. As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, to improve marketing, analytics, or site functionality.
Cookies/Tracking Technologies. Technologies such as: cookies, beacons, tags and scripts are used by All Web Leads, Inc. and our marketing partners, affiliates, or analytics or service. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
LSOs. We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Various browsers may offer their own management tools for removing HTML5 LSOs. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 and Flash to collect and store information. To learn how to manage privacy and storage settings for Flash cookies click here: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html#117118
We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here (or if located in the European Union click here). Please note this does not opt you out of being served ads. You will continue to receive generic ads.
User Access. We make a good-faith effort to enable you to update personally identifiable information you have provided to us and to enable you to request deletion of any of your information. If you wish to delete or update any of your personal information please email us at firstname.lastname@example.org. We will respond to your request within a reasonable timeframe. Please understand that while we are able to delete or update the information that we have received from you, this does not necessarily mean that information about you that has already been shared by us with other Providers may, at the same time, be updated or deleted by such other Providers. So, in some cases it may be necessary for you to contact other third parties who may have received your information and separately request updates to or deletions of your information. We may decline to process user requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, would be extremely impractical, or where information is required to be retained by us, either by law or for legitimate business purposes. Further, if you are a marketing affiliate, you may login to your account at any time to correct, update or delete inaccuracies in your personal information.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at email@example.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
To request removal of your personal information from our blog, community forum, or testimonials contact us at the email address listed above. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Social Media (Features) and Widgets
Information transfer and sharing policy
Other Usage and Offerings. As our business grows, from time to time we may seek to make available additional offerings and services including those that may not be insurance-related. In doing so, we will strive to give our users choices about whether or not you would like to continue to receive future promotional or marketing communications from us either directly or on behalf of others whose offerings we think may be of interest to you. In identifying which offerings we think may be of interest to you, we may use and analyze information you have provided to us. If you choose not to receive such marketing communications, you may still receive certain relationship or transactional communications from us as described herein. We do not plan to sell, rent or transfer your personally identifiable information for non-insurance related purposes to any third parties unless or except in connection with the merger, sale or reorganization of our business as set forth elsewhere in this policy.
Protecting Our Legal Rights and Other's Rights. We do not otherwise share personally identifiable information about website users with third parties unless we believe using or sharing such information is appropriate to carry out a user's request or if we have a good-faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce our Terms and Conditions of Use, including investigation of potential violations thereof, (c) detect, prevent or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of the Company, its users or the public as required or permitted by law.
We reserve the right to disclose your personally identifiable information as required by law or when we believe that disclosure is necessary to protect our rights and/or comply with a legal or judicial proceeding or court order.
Merger or Sale of Company. If we should ever file for bankruptcy or have our assets sold to or merged with another entity, information that we receive from you through this website may be treated as an asset of the Company and may be transferred to the fullest extent permitted by law.
Marketing and other communications
When you submit information to us, you agree to receive email, fax, and other forms of communications from us and those to whom you have authorized us to forward your personally identifiable information. If you would like to opt-out of receiving promotional or marketing material from us in the future, please click the following link: UNSUBSCRIBE or by following the unsubscribe link located at the bottom of each promotional or marketing email communication. Your decision to opt-out shall not preclude us from communicating with you regarding your existing or past relationship with us and shall not preclude us, including our employees, contractors and other representatives, from accessing and using the information you have provided in a manner that is not personally identifying (such as in aggregate or anonymous form). If you do not wish to receive further communications from any person or entity (such as a Provider) to whom we have forwarded your information with your permission, you must contact them directly.
Affiliated websites, other websites, and advertisements
We post customer testimonials/reviews on our sites, which may contain personally identifiable information. We do obtain the providing customer's consent prior to posting any such testimonial/review.
This website is hosted in the United States and is intended exclusively for U.S. residents. In using this website you represent and warrant that you have any and all necessary authorization to submit the information contained in your requests, and that you expressly consent to the transfer, use, and forwarding by us of the information you provide to us through the website and to the United States.
No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure security on our systems. We use secure server software and firewalls as part of our efforts to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of such firewalls and secure server software. By using our site, you acknowledge that you understand and agree to assume these risks.
The security of your personal information is important to us. When you enter sensitive information (such as social security number, Driver's license number, national ID, personal health information) on our registration forms, we encrypt that information using secure socket layer technology (SSL).
If we learn of a security systems breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using this website or providing personally identifiable information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of this website. We may post a notice on our website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us by clicking the following link: Privacy Support.
Changes and updates