Updated May 2, 2025
Thank you for your interest in InsureMe, Inc. and Ideal Concepts, Inc. (collectively “Company,” “we,” “us,” or “our”). This Privacy Notice applies to the following websites operated by Company, and our other websites where we post this document as the applicable Privacy Notice, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us:
www.InsureMe.comYour use of this Website is governed by the Legal Disclaimer, located at Legal Disclaimer, which is incorporated herein by reference.
You can learn about our commitment to privacy with this Privacy Notice describing how we collect, use, share and secure the personal information you provide. It also describes your choices regarding use, access, and correction of your personal information.
We are strongly committed to protecting your privacy. We will ask you to provide us with personal information about you and, if applicable, your family members to be insured. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our Privacy Notice. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this Privacy Notice, we refer to any unique information held in any form or medium about actual or prospective consumers that serves as a reasonable identifier of such individual, as “personal information”.
Further, personal information includes without limitation, name, address, telephone number, email address, date of birth, Social Security number, driver's license number, insurance or annuity notice number, Medicare identification number, bank account and routing numbers, credit/debit card numbers, government-issued identification number, health and medical information (including payment for medical treatment), net worth and financial asset information, information created through the insurance underwriting process, consumer credit reports, log-in credentials, signature images, and any other unique identifier that is not publicly available. The use of “personal information” also fully incorporates the meanings of “Individually Identifiable Health Information”, “Protected Health Information” and “Non Public Personal Information” as defined in regulations promulgated under the Health Insurance Portability and Accountability Act of 1996 and the Gramm Leach Bliley Act of 1999 respectively.
We are in the business of procuring insurance coverage for individuals, companies, and entities. Our legal responsibilities, including contractual agreements, permits and requires us to use or disclose personal information we create or receive for or from a Covered Entity, or another Business Associate of a Covered Entity for activities such as eligibility determination, quoting, application, and enrollment processes of insurance, association, or other insurance related products, including applications to obtain an advanced premium tax credit (or “subsidy”) determination from the government.
If you provide information directly to one of our partners or any other third-party, then your information would be governed by such other party's privacy notice.
The information you provide us is on a strictly voluntary basis. By voluntarily providing your contact information to us, you are consenting to be contacted for telemarketing purposes by the Company via telephone, text message, email, or other provided means, including calls which may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology. In addition, by providing us with your contact information, you are consenting to being contacted via these methods for telemarketing purposes by any of the below third parties in connection with your application or in response to your request. You understand that your telephone company may impose charges on you for these contacts. Additionally, you understand that you are not required to enter into this agreement as a condition of purchase for any products or services.
If you have questions or concerns regarding our Privacy Notice or practices, please contact us by email at Privacy@idealconcepts.com or by mail at
Please read this Privacy Notice carefully before you use our Website or communicate with us. Changes to this Privacy Notice are discussed at the end of this document.
For purposes of this Privacy Notice:
BY ACCESSING OR USING OUR WEBSITE OR COMMUNICATING WITH US OUTSIDE OF THE WEBSITE, YOU ARE ACCEPTING AND CONSENTING TO THE PRACTICES DESCRIBED IN THIS PRIVACY NOTICE, WHICH MAY BE UPDATED AND AMENDED FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY NOTICE, YOU MUST NOT ACCESS OR USE OUR WEBSITE OR OTHERWISE COMMUNICATE WITH US.
If you submit an application for an insurance, association, or other insurance related product offered by us, then we will disclose your personal information to your chosen company to process your application. If you submit a request to be contacted about any type of insurance, association, other insurance related product, or other products or services or an application for an insurance product offered through an insurance agent, agency, or other business partner with whom we associate or contract, or request assistance with eligibility determination, quoting, application, and enrollment processes of insurance, association, or other insurance related products, including applications to obtain an advanced premium tax credit (or “subsidy”) determination from the government then we may disclose your personal information to that agent, agency, or business partner to process your request or to otherwise provide you with information (including contacting you by telephone, email, or otherwise to discuss products in which you may be interested). By voluntarily providing your contact information to us during the application process or through a request for information, you are consenting to be contacted by insurance agents, agencies, or other business partners with whom we associate or contract for telemarketing purposes, including via telephone or text message (including calls which may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology), email, or other provided means. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application, or enrollment form and are legally obligated to maintain strict confidentiality.
We may disclose your personal information to other companies that help us to process or service any quote, eligibility determination, application, or enrollment you begin, process, or submit through us, or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the individuals and companies we hire and/or contract with to process or service your application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
In certain situations, Company may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.
If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
If you provide us an indication of your consent to disclose, share, or use your personal information in connection with a third-party, we may disclose, share, or use your personal information in that manner. For example, we may market other products or services through Company or any business partner.
If you request to be contacted about any type of insurance, association, other insurance related product, or other products or services, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance, association, other insurance related product or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company, or other appropriate entity, so that such entity may contact you about any insurance, association, other insurance related product, or other products or services. By voluntarily requesting to be contacted, you are consenting to be contacted both by us and by third-party entities for telemarketing purposes via telephone or text message (including calls which may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology), email, or other provided means. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity's privacy notice.
We collect personal information from you when you register with us. You may register with us through our Website by entering your email address and, if you are creating an account, choosing your password. You may be required to create an account in connection with an application for health insurance or other product offered on our Website.
Our Website is not targeted towards, nor intended for use by, anyone under the age of eighteen (18). By using our Website, you are representing that you are eighteen (18) years of age or older. If you are not at least eighteen (18) years of age, do not access, use, or register with our site. In the event we become aware you are under eighteen (18), we may terminate your account.
If you apply for health insurance or other products through our Website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by the insurance company, licensed agent, association, insurance agency and/or broker, benefit provider, third-party administrator, government insurance entity, insurance exchange, and/or other persons or entities involved in the sales, marketing, and/or administration of insurance, association, or other insurance related products to process your application. Additionally, we may ask you to provide us with your credit card, bank information, and social security number, which will be used by your chosen licensed agent, association, insurance agency and/or broker, benefit provider, third-party administrator, insurance exchange, and/or other persons or entities involved in the sales, marketing, and/or administration of insurance, association, or other insurance related products to process your application or collect any fees associated with your application, insurance premiums, or membership dues upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.
Accordingly, some of the information we collect through your use of our Website or communications with us may personally identify you (“Personally Identifiable Information”). The types of Personally Identifiable Information you may submit in connection with use of the Website include, but are not limited to:
We will not sell or share your Personally Identifiable Information with third parties for the third-party's own direct marketing purposes without your express consent. We may share your Personally Identifiable Information with:
We may also share Personally Identifiable Information with law enforcement agencies, government officials, or other third parties as necessary for the purpose of:
We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.
We also collect certain technical information when you access, browse, and use our Website, including information that we automatically receive and record from your browser or mobile platform on our server logs. This technical information helps us operate and provide our Website to you, and includes standard information about visits and system capabilities, such as:
Technical information from your use of the Website is treated as "Non-Personally Identifiable Information," unless it is combined with Personally Identifiable Information, or unless otherwise required by applicable law.
We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand, and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include: (a) address information from third-party sources to verify your address so we can properly communicate with you and to prevent fraud; and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.
We, companies under common control or ownership, or our business partners may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. By voluntarily providing your contact information to us, you are consenting to be contacted by us, companies under common control or ownership, or our business partners for telemarketing purposes via telephone or text message (including calls which may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology), email, or other means. You may opt out of receiving these customer satisfaction communications from us by following the opt-out procedures below.
You may also provide personal information about other people, such as their name, date of birth, and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third-party, whose personal information you provided, may contact us at Privacy@insureme.com to request that we remove their information from our database.
Upon request Company will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you otherwise want to correct, update, or delete your personal information held by us, you may contact us by email at privacy@idealconcepts.com or by mail at
Company will respond to such requests within thirty (30) calendar days. If additional time is needed, we will inform you of the delay in writing within thirty (30) days, including the reason for the delay, and the date response will be provided, which will be no later than sixty (60) days from the original request.
Additionally, you may update your name, email address, and password by clicking on the “Login” link on this Website and signing in using your email address and password. We will respond to your request to access within a reasonable timeframe.
If you want to opt out of these surveys and/or notices, you may contact us by email at Privacy@insureme.com or by mail at:
This Privacy Notice section for California residents supplements the information contained in our Privacy Notice and it applies solely to all visitors, Users, and others who reside in the State of California.
The California Consumer Privacy Act (“CCPA”) provides California residents with specific rights regarding their personal information. If you are a resident of California, you have the following rights:
The right to notice. 'You have the right to be notified which categories of personal information are being collected and the purposes for which the personal information is being used.
The right to request. 'Under CCPA, you have the right to request that we disclose information to you about our collection, use, sale, disclosure for business purposes, and share of personal information. Once we receive and confirm your request, we will disclose to you:
The right to say no to the sale of Personal Information (opt-out). You have the right to direct us to not sell your personal information. To submit an opt-out request please contact us at Privacy@insureme.com.
The right to delete Personal Information. You have the right to request the deletion of your personal information, subject to certain exceptions. Once we receive and confirm your request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
The right not to be discriminated against. You have the right not to be discriminated against for exercising any of your consumer's rights.
Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their personal information with third parties for the third parties' direct marketing purposes.
If you'd like to request more information under the California Shine the Light law, and if you are a California resident, you can contact us using the contact information provided below.
California Business and Professions Code section 22581 allow California residents under the age of eighteen (18) who are registered users of online sites, services, or applications to request and obtain removal of content or information they have publicly posted.
To request removal of such data, and if you are a California resident, you can contact us using the contact information provided below.
Be aware that your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.
We may use cookies, beacons, and similar automatic data collection technologies, now or in the future, to support the functionality of our Website. These technologies help us provide a better experience when you visit our Website and allows us to improve our Website. The technologies we may use for this automatic data collection may include:
We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use Local Storage Objects (“LSOs”) such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.
Our service providers, advertising partners and ad networks may use cookies, beacons, and other similar tracking technologies to collect and share Non-Personally Identifiable Information about your activities both on our Website and on other websites, including, for example, to provide you targeted advertising based upon your interests. In addition, third parties that are unaffiliated with us may also collect information about you, including tracking your browsing history, when you use our Website. We do not have control over these third-party collection practices. If you wish to minimize these third-party collections, and you can adjust the settings of your browsers or install plug-ins and add-ins.
We may partner with third-party ad networks to manage and display advertising to visitors on our Website and to manage and display advertising viewed by visitors on other sites. Our ad network partner(s) may use cookies or similar technologies to collect information about your activities on this Website and other websites to provide you targeted advertising based upon your interests and browsing patterns. Such activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our Website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, your browser may have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies. Currently, our site does not change its behavior based on receiving your browser's “do-not-track” setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.
Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our Website, we 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. Company recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft's Internet Explorer or Google's Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our Website and when you return to our Website to complete an application.
In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website.
If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at Privacy@insureme.com.
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. You are responsible for safeguarding your login and password information and are fully responsible for activities that are conducted under your username and password, whether or not you authorize such activities. You agree to (a) immediately notify us of any unauthorized use of your username or password of which you become aware, and (b) ensure that you exit from your account at the end of each session to safeguard your personal information.
If you forget your password, we can send you a password reset through email (provided that you gave us your email address as your user ID when you created an account on our Website)
For security reasons to guard the safety of your data, access to this Website is limited to SSL-capable browsers such as recent versions of Microsoft's Internet Explorer or Google's Chrome. Under no circumstance should you use any software, program, application, or any other device to access or log-in to the Website to automate the process of obtaining, downloading, transferring, or transmitting any content to or from our computer systems, Website, or proprietary software.
Our Website is directed to and is intended to be used only by persons who are eighteen (18) years of age or older. We do not knowingly collect information from children under eighteen (18). If you are under eighteen (18) years of age, you are not permitted to register for an account or otherwise submit any Personally Identifiable Information to us, including your name, address, or e-mail address. By registering for an account or submitting any Personally Identifiable Information to us, you represent and warrant that you are eighteen (18) years of age or older.
If we discover that we have received any Personally Identifiable Information directly from a child under the age of eighteen (18), we will suspend the associated account and remove that information from our database as soon as possible. By registering for an account or otherwise submitting any Personally Identifiable Information to us, you represent and warrant that you are eighteen (18) years of age or older. For the avoidance of doubt, this restriction does not apply to information collected from a parent or legal guardian who provides information regarding a dependent child under the age of eighteen (18) in connection with a health insurance application or other related purpose.
Our Website may contain links to third-party websites and services, including those of third-party insurance providers and advertisers. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to Company and our Website only. We do not accept any responsibility or liability for the policies or practices of any third parties. If you choose to access any websites or services linked from our Website, please check the applicable policies before you use or submit any personal data to such website or service, as their information privacy practices may differ from ours.
The Website is hosted in the United States of America and is subject to U.S. state and federal law. The Website is not intended to subject InsureMe to the privacy laws or jurisdiction of any state, country or territory other than that of the United States, including the European Union. InsureMe does not represent that the Site is appropriate for use in any particular jurisdiction. Those who access the Site do so at their own initiative and are responsible for complying with all local laws, rules, and regulations. If you are accessing our Website from other jurisdictions, please be advised that you are transferring your personal information to us in the United States, and by using our Website, you consent to that transfer and use of your personal information in accordance with this Privacy Notice. You also agree to abide by the applicable laws of applicable states and U.S. federal law concerning your use of the Website and your agreements with us. Any persons accessing our Website from any jurisdiction with laws or regulations governing the use of the Internet, including personal data collection, use, and disclosure, different from those of the jurisdictions mentioned above may only use the Website in a manner lawful in their jurisdiction. If your use of the Website would be unlawful in your jurisdiction, you may not use the Website.
Our Website may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at Privacy@insureme.com. 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.
We may display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at Privacy@insureme.com.
Our Website may include social media features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets may be either hosted by a third-party or hosted directly on our website. Your interactions with these features and widgets are governed by the Privacy Notice of the company providing it.
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