Dave Terpening Insurance Agency Inc. - Privacy Policy

Last Updated 9/30/2009

Dave Terpening Insurance Agency Inc is a licensee of the TRUSTe Privacy Program.  TRUSTe is an independent, organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices.  This privacy statement covers the Web site www.californiahealthplans.com.  Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact info@CaliforniaHealthPlans.com  If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://watchdog.truste.com/pvr.php?page=complaint&url=

TRUSTe will then serve as a liaison with us to resolve your concerns.

We collect personal information in the normal course of business in order to process your insurance application.

• Creating an Account with us. We collect personal information from you when you submit an application request to us. You may submit your application through our website by entering your email address and, if you are creating an account, choosing your password. Under our current process, you must create an account before obtaining a quote for a small business plan. 
• Providing you with a quote or processing your application. We may use your personal information to contact you when necessary to process your application or to provide you with a quote, such as your name, address and phone number so we can contact you with your quote.  We also collect third party personal information, such as name, gender and zip code when entering data for plans. This third party data will not be used for any other process than to obtain health insurance quotes and will only be used for the purpose for which it was collected.

We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.

Insurance Companies, Licensed Agents and Legal Obligations. If you submit an application for an insurance product offered by us, then we will disclose/forward your personal information to your selected insurance company for processing. If you submit an application for an insurance product offered through an insurance agent or agency with whom we are associated, then we may disclose your personal information to that agent or agency to process your requested quote or application. Please be assured that the agent or agency is only allowed to use your personal information to process your requested quote or application and is contractually obligated to maintain strict confidentiality.

We use other third parties to provide online healthcare quoting solutions on our site.  When you apply for health insurance, we will share your personal information as necessary for the third party to provide that service.

Outside of these exceptions, we will not share your personal information with third parties.

We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

• Anonymous information is any information that does not personally identify you, including demographic information, including but not limited to the number of visitors to our website from a particular state.
   
• We use anonymous information primarily for marketing purposes and to improve the services we offer you.
   
• We may use "Cookies," "Internet Protocol" addresses or other numeric codes to gather anonymous information. For a more detailed discussion on cookies, please see below.

We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

• If you want to correct or update your contact information, you may contact us by email at info@CaliforniaHealthPlans.com. If you have a business login, you may update your personal information online after logging into your account. 
   
• Please note that once your application has been submitted to your chosen health insurance company, you may have to contact the insurance company directly to update your application.

We protect the confidentiality and security of your personal information.

• We maintain industry standard physical, electronic and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below.

You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.

• We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
   
• If you want to opt out of these surveys and/or notices, you may contact us by email at info@CaliforniaHealthPlans.com.
   
• Important Note: You may continue to receive transactional communications from us regarding your insurance quote, application or policy even if you opt out of receiving our notices of additional products and services.

We're here to answer questions you may have about our privacy policy or our information privacy practices.

• If you have any questions, please email us at info@CaliforniaHealthPlans.com or you can reach us by email at Dave Terpening Insurance Agency, Inc. 22850 Crenshaw Blvd, Suite 206, Torrance, CA 90505.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Additional Information About Privacy and Security at Dave Terpening Insurance Agency Inc.

Please click on a topic below to get more information about privacy and security at Dave Terpening Insurance Agency Inc..

Cookies
Browsers and Internet Security
Password and Security Protocols
Links to Other Websites

Cookies

The main purpose of cookies is to identify users and possibly prepare customized Web pages for them. When you enter a Web site using cookies, you may be asked to fill out a form providing such information as your name and interests. This information is packaged into a cookie and sent to your Web browser which stores it for later use. The next time you go to the same Web site, your browser will send the cookie to the Web server. The server can use this information to present you with custom Web pages. So, for example, instead of seeing just a generic welcome page you might see a welcome page with your name on it. Cookies are linked to personal information.

We also use a third party analytics provider which serves third party cookies on your site but only collects data in the aggregate.

Browsers and Internet Security

When you submit an application request through our website, we or an affiliated insurance company or health plan provider encrypt it using Secure Socket Layer ("SSL") technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Dave Terpening Insurance Agency Inc. recommends using a strong encryption, 128-bit browser such as Microsoft's Internet Explorer 5.0 or higher or Netscape Navigator 4.06 or higher. These browsers will activate SSL automatically whenever you begin shopping for plan on our website and when you return to our website to complete an application.

Password's and Security Protocols

The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone. Password protocols will vary with each of our affiliated insurance companies and their security protocols will prevail over ours.

Links to Other Websites

Linked sites are not under our control and therefore Dave Terpening Insurance Agency Inc. is not responsible for the contents of any linked site. We recommend that you carefully read the privacy policies of these websites as their information privacy practices may differ from ours. Additionally,this Web site utilizes framing techniques to make it appear that the user is still on the site when the user is actually on a third party Web site.[RS1] 

Changes to this policy

If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. 

We reserve the right to modify this privacy statement at any time, so please review it frequently.  If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Copyright © 1997-2009 Dave Terpening Insurance Agency Inc.. All rights reserved.