BTWINSURANCE.COM Privacy Policy

Effective Date: September 21, 2018

THE FOLLOWING DESCRIBES THE INFORMATION THAT BTWINSURANCE.COM COLLECTS AND HOW IT USES SUCH INFORMATION.   PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THIS WEBSITE.   BY USING THE SERVICES OR SUBMITTING PERSONAL INFORMATION THROUGH THE SERVICES, YOU EXPRESSLY CONSENT TO THE PROCESSING AND USE OF YOUR PERSONAL INFORMATION ACCORDING TO THIS PRIVACY POLICY.

Privacy Statement

BTW Insurance (“BTW Insurance”) is committed to safeguarding Your privacy online. This privacy policy applies to Your information that BTW Insurance collects and receives.  By using this website, btwinsurance.com (“Website”), You agree to the terms of this Privacy Policy. Please read the following policy to understand how Your Personal Information will be treated as You use BTW Insurance’s Services. The following discloses our information gathering and dissemination practices.  All capitalized terms not defined in this Privacy Policy have the same meaning as defined in BTW Insurance’s Terms of Use.  

Personal Information Defined 

For this Privacy Policy, “Personal Information” means information that is personally identifiable to a User as well as other non-public information that is associated with a User. BTW Insurance collects and uses Personal Information as described in this Privacy Policy from the Users of our Services. 

Browsing the Website

If You browse through the Website without entering any Personal Information, BTW Insurance will automatically gather and store certain information about Your visit. This information does not identify You personally and cannot be linked back to You unless You decide at some point to identify Yourself.  If You are only browsing, BTW Insurance may collect the following information (whenever possible): IP address, domain name, the type of browser and operating system used to access the Website, the date and time You access the Website, the pages You visit (click-through), and if You linked to the Website from another website, the address of that website as well as additional information related to Your visit. BTW Insurance uses Your IP address to help diagnose problems with our server, and to administer the Website.

Cookies

BTW Insurance may place “cookies” on Your personal computer. “Cookies” are small identifiers sent from a web server and stored on Your computer’s hard drive, similar to a license plate, that help BTW Insurance to recognize You if You visit the Website again. BTW Insurance uses cookies to record session information, such as record user-specific information on what pages You access or visit, record past activity in order to provide better service when You return to the Website, to customize Website content based on Your browser type, and to track how You found the Website. Cookies are not designed to be used to get data from Your hard drive, Your e-mail, or any other personal data about You. To protect Your privacy, BTW Insurance does not use cookies to store or transmit any Personal Information about You on the Internet. You can reject cookies by changing Your browser settings. Please note, however, that if You reject our cookies, it is possible that some web pages may not properly load, Your access to certain information might be denied, or You might have to enter information about Yourself more than once.

Personal Information BTW Insurance Collects

BTW Insurance collects the following Personal Information that You submit voluntarily when you request a quote for health, life, and other insurance products or request a consultation.  Requesting a quote or a consultation requires You to provide BTW Insurance with Your name, location, age, e-mail address, physical addresses, and telephone numbers.  Personal Information may also include other personally identifiable information You may affirmatively provide to us

Minors 

BTW Insurance does not knowingly collect personally identifiable information from anyone under the age of 18.   Do not complete any request form if You are under the age of 18.   

Use of Personal Information 

Personal Information You submit to BTW Insurance, or to third parties that support us in collecting information, is used by us to provide You and other Users with the Services, to respond to requests that You make, to improve our Services, and to operate, maintain, and improve the features, functionality, performance, and support of the Services. 

BTW Insurance specifically uses the Personal Information that its gathers about You for the following purposes:

  • To provide our Services to You, to communicate with You about Your use of the Services, to respond to Your inquiries, which may include communicating with You via email;
  • To provide You with a quote for health insurance;
  • To contact You regarding the purchase of insurance products, to provide you with information regarding insurance products, and to provide assistance with enrolling in any type of insurance product; 
  • To provide You with satisfaction surveys in order for BTW Insurance to improve its Services; and 
  • For marketing and promotional purposes (For example, BTW Insurance may use Your information, such as Your email address, to send You news and newsletters, special offers, and promotions, or to otherwise contact You about products or information BTW Insurance thinks may interest You, including the products and services of promotional partners. BTW Insurance also may use the information that BTW Insurance learns about You to assist us in advertising our Services on third party websites).

California Online Privacy Protection Act Compliance

BTW Insurance values Your privacy and has taken the necessary precautions to be in compliance with the California Online Privacy Protection Act.  BTW Insurance therefore will not distribute Your Personal Information to outside parties except as permitted under this Privacy Policy.

For Healthcare.gov Marketplace Applications 

BTW Insurance is authorized to collect Personal Information from You by the Centers for Medicare & Medicaid Services (“CMS”). In the event that You submit Personal Information for the purpose of enrolling in a Marketplace Qualified Health Plan (“QHP”), any Personal Information that BTW Insurance collects will be used to help You enroll in a QHP (and other related products you select, if applicable).  If You choose to give BTW Insurance Personal Information, BTW Insurance may share this information with CMS and the insurer You select. CMS will maintain this information in a federal System of Records. Personal Information is used or disclosed only under the following circumstances: in order to provide the services HST is designed to offer – to compare insurance plans based on costs, benefits, and other important features; to determine eligibility for health coverage and cost-sharing reductions through HealthCare.gov; to choose a plan; and to enroll in coverage    Providing your Personal Information is voluntary. If You choose not to provide BTW Insurance with the Personal Information requested, or not to respond to certain required HealthCare.gov questions, BTW Insurance will not be able to help You enroll in a QHP through the Marketplace. We recommend reaching out to the Marketplace Call Center directly at 1-800-318-2596 (TTY: 1-855-889-4325) for further assistance in this scenario. For more information, please visit CMS Privacy Notice for HealthCare.gov.

Feedback

If You provide feedback about the Services, BTW Insurance may use and disclose such feedback for any purpose, provided BTW Insurance does not associate such feedback with Your Personal Information. BTW Insurance will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy. 

Disclosure of Personal Information

Except as otherwise stated in this Privacy Policy, BTW Insurance does not disclose to or share Your Personal Information with third parties, unless You ask or authorize BTW Insurance to do so.   BTW Insurance may provide Your Personal Information to third parties as follows:

  • Your chosen insurance company in order to process your application;
  • Third party companies that help BTW Insurance process or service Your application; and
  • Other third-party service providers and suppliers who work on behalf of or with BTW Insurance to provide You with some of the Services and features of the Services and to help us communicate with User.

Please be assured that third-party service providers and suppliers do not have any independent right to use Your Personal Information except to help BTW Insurance provide the Services.  BTW Insurance may share some or all of Your Personal Information with any parent company, subsidiaries, joint ventures, or other companies under a common control (collectively, “Affiliates”), in which case BTW Insurance will require Affiliates to honor this Privacy Policy.

Mergers 

In the event BTW Insurance goes through a business transition such as a merger, acquisition by another company, or sale of all or a portion of its assets, Your Personal Information will likely be among the assets transferred. You acknowledge that such transfers may occur, and that any acquirer of BTW Insurance or its assets may continue to use Your Personal Information as set forth in this Privacy Policy. 

Legal Obligation to Disclose

BTW Insurance may (and You authorize us to) disclose information BTW Insurance has collected from and about You (including Personal Information) if BTW Insurance believes in good faith that such disclosure is necessary to: (a) comply with relevant laws or to respond to subpoenas or warrants served on us; (b) to enforce our BTW Insurance Terms of Use and Privacy Policy; or (c) to protect and defend the rights or property of us, the users of our Services, or third parties. 

Changing Personal Information and Opting Out

You may change Your Personal Information by notifying us in writing at:

BTW Insurance

Care of: Privacy Coordinator 

5016 Spedale CT # 210

Spring Hill, TN 37174 

or emailing us at: Info@btwinsurance.com

You may opt out of receiving satisfaction surveys and/or information on additional products and services from BTW Insurance by contacting us at the address or email address listed above.   Please note that You will still receive communications from BTW Insurance regarding your insurance quote, application, and policy even if you opt out of receiving our surveys and/or notices of additional products and services.

Information Sharing

On occasion BTW Insurance will make available to potential advertisers, research firms, and business partners aggregated results from research it has conducted regarding visitors to the Website. BTW Insurance may count, track, and aggregate visitor activity into our analysis of general traffic flows to the Website and may merge this information into group data, which may then be shared on an aggregated basis with potential advertisers, research firms, and business partners. In such case, BTW Insurance will only provide demographic information on an aggregated basis and does not disclose individual User information.  

Links to Other Web Sites

The Website may contain links to Third Party Sites that are not owned or controlled by BTW Insurance. The provision of such links is for Your convenience and does not signify BTW Insurance’s endorsement of such websites or location or its contents. BTW Insurance has no control over, does not review and is not responsible for the privacy policies of or content displayed on Third Party Sites. Please be aware that the terms of this Privacy Policy do not apply to Third Party Sites. 

Notification of Privacy Statement Changes

From time to time, BTW Insurance may use Personal Information for new, unanticipated uses not previously disclosed in this Privacy Policy.  If BTW Insurance’s information practices change at some time in the future, BTW Insurance will post the policy changes to this Website to notify You of these changes and provide You with the ability to opt out of these new uses.  If You are concerned about how Your information is used, You should check back at this Website periodically.