Privacy Policy

What this policy covers

This policy applies to two things: this website, and the “Doctor Insurance One” app for iPhone.

They collect different information for different reasons, so each is described separately below. It does not cover other companies’ websites we link to, or an insurance carrier’s own handling of your information once you are enrolled in their plan. Those are governed by their own privacy notices.

What you give us on the website

The website has two forms, the contact form and the quote request, and two pages where you can see prices first and then ask us to contact you: the health plan comparison and the life insurance quote, which has its own section below. The forms exist for one purpose: so a licensed advisor can call you back about coverage. We ask for the minimum needed to do that.

The contact form collects:

• Your name and phone number (required)
• Your email address and ZIP code, if you choose to give them
• The type of coverage you are asking about: health, Medicare, life, or dental and vision
• Anything you write in the message box
• The language you were reading the site in, so we call you back in it

The quote request asks for the same information plus three optional details that let us narrow the plans before we call: how many people are in your household, an age range, and the time of day that suits you.

Life insurance quotes

The life insurance quote (on this website, in our iPhone app, and in the app’s App Clip) asks for your date of birth, your gender, the state you live in, whether you have used tobacco or nicotine in the last 12 months, a general description of your health, and the coverage you want. Life insurance prices depend on all of these, so the page cannot show a price without them.

To calculate the prices, our server sends those answers to IXN, the life insurance quoting service we subscribe to, which works them out from each insurer’s current rates. IXN receives the answers and nothing else: not your name, phone number, email address or IP address, because the request comes from our server and not from your browser or your phone. The insurers’ logos on the results also come through our server, so looking at them does not contact IXN or the insurers either. IXN may keep a record of the quotes it calculates, as the company that runs the service.

Unless you ask us to contact you, we do not save your answers. They are not written to our website’s database or to our records, and your browser does not store them either, so they are gone when you close the page. In the app and the App Clip, your answers stay on your phone while you are quoting and go nowhere except to calculate the prices. To avoid asking IXN the same question twice, our server remembers recent prices for up to a day; it remembers the prices, not your answers.

Nothing reaches our office until you choose a price and ask us to contact you. Then your request carries your name and the contact details you give us, together with the policy and price you chose, your age, your gender, your state, your tobacco answer and the health description you picked, so the licensed agent who calls you knows what you asked for. It carries your age, not your date of birth: the agent asks for the date when completing the application with you.

If you are signed in to the app as a client, it does not ask for your date of birth, your gender or your state: it reads them from your record to price the quote, and asks you only about the coverage you want, tobacco and your health. When you choose a price and send it to your agent, we open a request you can follow in the app and a note for your agent, carrying the policy and price you chose, your answers and your age (never the date), and reaching you through the contact details already on your file.

The tobacco and health questions are health information. We treat them the way the section on health-related information below describes: used only to quote and service your coverage, never for advertising, and never sold.

How you found us

When you arrive here from an advertisement, a search result or a social media post, the address you arrive on usually says which one it was. We keep that, because it is how we know which of our advertisements are worth paying for.

Your browser stores two things for this. One is a small file, a cookie, that we set ourselves and that no other company can read. It holds a random number that is not connected to your name, the advertisement or search that first brought you here, and the most recent one that brought you here, and it lasts for twelve months. The second lasts only until you close the tab, and it holds the advertisement that brought you here this time along with the list of pages you looked at. If you come back within 30 days without arriving from an advertisement, for example by opening this site in a new tab, we still count the visit for the most recent advertisement, so the phone number we show you and any request you send are credited to it.

If, and only if, you then send us a contact or quote request, both of those travel with it, so the advisor who calls you knows how you reached us and what you were reading. If you never send us anything, they stay in your browser and reach us as nothing more than an anonymous page count.

One exception, and it applies only to people we already know. If you arrive here from a link in a text message we sent you, that link carries a short code that tells us which message it came from. We use it to see that the message was read, which pages of this site were looked at afterwards, and for how long. That code and the list of pages go to one place only: the record, in our office system, of the message we sent you. Your browser keeps the code until you close the tab, this website stores nothing about it, and no other company receives it.

The two described above are ours alone: we set them, we do not sell them, and no other company can read them. They never contain your name, phone number or email address. Advertising companies do set their own separate cookies on this site. Those are described under “Advertising” below. Constant Contact, the company that sends our newsletter, sets its own as well, and is described under “Other services on this site”. Deleting your browser’s cookies for this site erases the twelve-month one, and we will simply treat you as a new visitor; the site works exactly the same either way. Our own page counting is separate and sets no cookie at all; what it does record is described under “Our own page counting” below.

Our own page counting

We count page views ourselves rather than relying only on Google, because ad blockers stop Google’s counter for a large share of visitors and we would rather know how many people actually read a page. This counting sets no cookie and gives you no visitor number, so it cannot follow you from one visit to the next.

For each page opened we record the time, the page address, the language, how you arrived (a search engine, an advertisement, a link), your IP address, and what your browser reports about itself: its name and version, and your operating system. We do not record your name, your email or anything you typed into a form; those only reach us if you send us a request, which is described further up.

We keep this record for as long as we are in business, because comparing one year with another is the main thing it is for. We use it to tell real visitors from automated software, to see roughly which part of the world our visitors are in, and to investigate abuse. We do not use it to build a profile of you, we do not combine it with your client file, and we do not sell it. If you would like the entries from your IP address removed, write to us and we will delete them.

We also record visits from automated software (search engine crawlers and the programs that artificial-intelligence companies use to read websites) separately from visits by people, so that our own traffic figures are not inflated by them.

Advertising

We advertise on Facebook and Instagram, on Google, and in ChatGPT. Meta and Google each give us a small piece of measuring software, called a “pixel”, that runs on this site so they can tell us which of our advertisements actually led somewhere. Both run on every page. OpenAI, the company behind ChatGPT, runs no software on this site and sets no cookie here; what it receives is described below.

These are not ours. They are set and read by those companies, they store their own cookies in your browser, and they can see your IP address and which pages of this site you opened. If you are signed in to one of those services in the same browser, that company can generally recognise you.

When you send us a contact or quote request, we also tell them that a request was sent, together with a random reference number for it. Google also receives an irreversible fingerprint of the email address and the phone number you typed into the form, so it can tell whether the request came from one of our Google ads. Your browser makes the fingerprint before anything is sent. Google can only compare it with a fingerprint it already holds, and cannot turn it back into your email address or your phone number. Meta receives no fingerprint, and no one receives your name or anything you wrote in the message.

When one of our advertisements in ChatGPT brings you here, OpenAI adds a reference to the link you clicked. If you then send us a contact or quote request, our server tells OpenAI that a request was sent, together with that reference, a random reference number for the request, the page you sent it from, and an irreversible fingerprint of the email address and the phone number you typed. If you tap one of our phone numbers instead, our server tells OpenAI that you did, with the same reference and the page, and no fingerprint at all. OpenAI can only compare a fingerprint with one it already holds, and cannot turn it back into your email address or your phone number. We ask OpenAI not to use any of this to personalize the advertising you see. OpenAI hears nothing about visitors who did not arrive from one of our ChatGPT advertisements, and it never receives your name, what you wrote, or anything about your health, your coverage or your policies.

Separately from the pixel, we tell Google which enquiries went on to become clients, because otherwise our advertising is measured on how many people filled in a form rather than on how many needed coverage. When an enquiry moves forward, we send Google: an irreversible fingerprint of an email address or phone number, which stage the enquiry reached, and (only when someone enrolled) the commission we recorded. The fingerprint is one-way: Google can compare it with a fingerprint it already holds, and cannot turn it back into your email address or your phone number. We never send the address or the number itself, and we never send your name, what you wrote to us, your health, your coverage or your policies.

If your browser sends a “Do Not Track” signal, no advertising pixel loads at all and our server tells OpenAI nothing, the same rule we apply to our own analytics. A tracker blocker will also stop the pixels, and we do not work around it. You can also limit this at the source: each company offers its own advertising controls (Meta’s “Ad preferences”, Google’s “My Ad Center”), and those settings apply everywhere, not just here. Nothing about your coverage, your quotes or your policies is ever sent to an advertising company, and the iPhone app contains no advertising software at all.

The iPhone app

The app is mainly for people who are already our clients: it shows the coverage on your household, lets you write to us, and lets you ask us for things. It also has two things anyone can open without signing in and without giving a name: a health plan comparison (see “Comparing plans in the app”) and a life insurance quote (see “Life insurance quotes”). A small part of the app, called an App Clip, can open those two quotes straight from the quote pages of our website without installing anything. It follows the same rules as the app, and it cannot sign you in.

You cannot change your policies in the app. You can ask us to change something, and one of our agents does it. The app sends us the request, it does not act on your coverage.

To sign in you give your phone number and date of birth. We use them only to find your record and confirm it is you, then we text a six-digit code to that phone. The date of birth is checked against what we already have on file. It is not stored again by the app.

Once you are signed in, the app shows you:

• Your policies: the carrier, plan name, status, effective dates and premium
• The first names of the people covered on each policy
• Your policy numbers, partly masked
• Our office contact details
• Your household’s messages with us: texts and app messages, both ways
• The requests you have raised with us, their status, and our replies
• Documents an agent has shared with you on one of those requests, an ID card or a tax form, for example. You see a document in the app only when one of our agents deliberately shares it; the rest of your file is not visible there.

Writing to us in the app

You can send us a message in the app, and attach a photo to it. Anything you write or attach is saved to your household’s record, so the agent handling your coverage can see it, exactly like a text message or an email you send us. Please do not send us anything you would not want in your file.

The message thread is your household’s, not only yours. If more than one person in your household writes to us, everyone signed in to the household sees the whole conversation.

If we send you a message in the app and you have not read it after about fifteen minutes, we may send the same message again as a text, so that it reaches you.

If you allow notifications, we send one when we write to you. The notification never contains the message itself: it says only that you have a new message, so nothing private appears on your lock screen. You can turn notifications off in your iPhone settings at any time; you will still see the messages when you open the app.

When you attach a photo, the app receives only the picture you choose. It does not have access to the rest of your photo library and cannot look through it. You can also take a photo instead: the camera opens only when you tap the button for it, iPhone asks your permission the first time, and the app receives only the picture you take, and it cannot open the camera on its own. The app does not ask for or collect your location, contacts or calendar. You can choose to lock the app with a PIN, and to use Face ID or Touch ID instead of typing it: your iPhone performs that check and tells the app only whether it matched. Your face and fingerprint never leave your phone, and the app never receives them. It contains no advertising software and no analytics software. It does not track you across other companies’ apps or websites, and it has no advertising identifier.

Asking us for something in the app

The app can ask us to do a handful of ordinary things: change the doctor on your plan, send you a list of doctors, send your ID card or your 1095-A tax form, update the card you pay with, or anything else you want to describe in your own words. Each one becomes a request your agent works on, and you can follow it in the app and reply to it.

What you write in a request is saved to your household’s file, the same as a message. So is any photo you attach to it. There is one exception, below, which we delete.

One request asks for something we do not ask for anywhere else: to update the card you pay with, we ask you to photograph it. We need it to make the payment on your behalf, and we would otherwise have to take the number from you over the phone. Please photograph only the card, not a bank statement, and never anything with your Social Security number on it.

For that one request the app opens the camera and only the camera: it cannot reach your photo library there at all, so it can only ever receive a picture you take at that moment. Your phone also reads the card before it is sent, to check the picture came out well enough. That reading happens on the phone itself and is not sent anywhere.

Before you send it, the app shows you what you are authorizing: that we may use that card or account to pay your insurance premium each month, and that you can stop it at any time by asking us in the app, sending us a message, or calling the office. We keep a record of that authorization: the exact words you were shown, and when you accepted them.

• The picture is used for one thing only: to update the payment information we hold for you. Our agents can see it while they do that
• We delete it within 72 hours of updating your payment information: the picture itself, and everything our system read from it. If the photograph cannot be read and one of our staff has to read the card by hand, we keep it for up to a week so they can, and then delete it the same way
• It is never shown back to you in the app, and it is never sent to your phone again, so a picture of your card does not sit on a handset that could be lost or shared
• It is not used for anything except the payment you asked us to make

A request you raise is visible to the agents who handle your household, and the request itself stays in your file: it is a record of what you asked us, not a private note. The photograph of a card is the exception: we delete it within 72 hours of updating your payment information, or within a week if it had to be read by hand first. If you would rather give us a card number by phone, call the office; you never have to photograph anything.

Comparing plans in the app

The app can show you what health plans cost where you live. You can open it without signing in and without giving your name. It asks for your ZIP code, how many people are on your tax return, and roughly what the household earns, because those three decide what a plan costs and what help you qualify for. The prices it shows are estimates; the marketplace decides your real price from a full application.

The income you give it is a range, and it stays on your phone. The calculation that turns it into a price happens on the device itself: the income is not sent to us, and if you close the app without asking us for anything, we never learn it. What is sent to look up plans is your ZIP code and county.

If you are signed in, the app already knows your household and offers to price the plans on the real ages of the people in it, so you see one figure instead of a range. Those ages are sent to us to work out the price. You can turn that off, and you can correct any age that is wrong.

If you are not a client and you ask us to call you about a plan, that is when you give us a name and a phone number or an email. We also receive the plan you were looking at, your ZIP code and county, how many people you said are on the tax return, and the income range you picked, not a figure. That enquiry reaches us the same way the form on this website does, and the same rule applies to your phone number: we only text you if you ticked the box asking us to.

Nothing in the comparison is saved to a file until you ask us to contact you, or (if you are already a client) until you send us a request about a plan. Looking is not an enquiry.

Health-related information

Telling us you want Medicare, or that you need a dental plan, says something about you. We treat that as sensitive and handle it accordingly.

The two questions in the life insurance quote (whether you have used tobacco or nicotine in the last 12 months, and how you describe your health) are health information too, whether you answer them on the website, in the app or in the App Clip. They are used only to price the quote and, if you ask us to contact you, to prepare it.

We use it only to find and service your coverage. We do not use it to target advertising, we do not build profiles from it, and we do not sell it. If enrolling you requires health details (a medication list for a Medicare comparison, for example), we collect those separately, at the point we actually need them, and we tell you why.

Why we use your information

For these reasons and no others:

• To answer the request you sent us
• To compare plans and prepare a quote for you
• To enroll you and service the policy afterwards: billing questions, ID cards, the renewal review
• To show you your own coverage in the app
• To meet the record-keeping rules that apply to a licensed insurance agency
• To measure which of our ads bring people to the site

Who we share it with

We do not sell your personal information, and we do not share it so that another company can advertise its own products to you. We share it in eight situations:

• Insurance carriers and the health insurance Marketplace, when you ask us to quote or enroll you: they cannot give you a price without it
• IXN, the service that calculates life insurance prices for us, when you use the life insurance quote. It receives your answers to the quote’s questions and never your name, phone number, email address or IP address
• Companies that run parts of our operation for us: website hosting, text messaging, and the system our agents use to track your case. They may only use it to do that work for us
• Google, which measures website traffic for us. It receives the pages you viewed and a shortened version of your IP address, never your name, email, phone number, or anything you typed into a form
• Meta and Google, which measure our advertising. They receive the pages you viewed, your IP address, and (if you send us a request) the fact that a request was sent with a random reference number. Never your name, email, phone number, or anything you typed into a form
• Constant Contact, which sends our newsletter and measures what it led to. If you subscribed, it holds your email address and name for that purpose. It also receives the pages you viewed on this site and your IP address. It can attach those pages to you by name in one case only: you are a subscriber, and you arrived from a link in one of our emails. Never anything you typed into a form, and never anything about your coverage, your quotes or your policies
• Apple, for three things the app does. When the app or its App Clip sends us a quote or a request without a sign-in, Apple’s App Attest service confirms to us that it came from a genuine copy of our app. Apple learns nothing about you from that, only about the app. When you allow notifications, Apple delivers them to your phone. And Apple decides, by its own rules, when to show the App Clip card on our website’s pages
• Regulators, auditors or law enforcement, where the law requires it

Calls and text messages

Giving us your phone number on a form is how you ask us to call you back about coverage. We use it for that.

Text messages are separate, and we only send them if you asked for them. When you type a phone number into a form on this site there are two checkboxes beside it, both unticked. The first is for messages about your own quote, plan and enrollment. The second, entirely optional, is for promotional messages: open enrollment reminders, renewal notices and offers. They are separate agreements: you can accept the first and refuse the second, and we keep the two answers apart. If you leave the first unticked we will not text that number at all. You can still send the form and we will call or email you instead. Neither box is ever a condition of getting a quote or buying anything.

We keep a record of that agreement (what the checkbox said, in which language, and the date and time) so we can show why we texted you. We also record it when you give a phone number to an agent over the phone or on an enrollment form.

Reply STOP to any text to stop receiving them, or HELP for help. Message frequency varies. Message and data rates from your carrier may apply. Stopping texts does not close your policy or stop us calling you about something urgent on it.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

The app sends you a text only when you are signing in.

Other services on this site

Some parts of the site are provided by other companies, and loading them lets those companies see your IP address:

• Google Analytics, on every page, to count visits and see which pages people read. See the note underneath for what it stores and how to refuse it
• The advertising pixels from Meta and Google, also on every page, described in full under “Advertising” above
• Constant Contact, the company that sends our newsletter, on every page. This one is different from the others and the difference matters: if you are on our mailing list and you arrived here by clicking a link in one of our emails, it can tell that the pages read afterwards were read by you, and it keeps that for a year
• The map on the Contact page, and the office video on the home page, loaded only when you scroll to them, not on every page
• Cloudflare Turnstile, only on the pages where you can send us a request (Contact, Quote, the health plan comparison and the life insurance quote), to check that a form was filled in by a person and not by a program. It asks you nothing and sets no advertising cookie
• The services that deliver and protect the site itself

Google Analytics sets cookies in your browser to tell repeat visits apart. We have turned on IP anonymisation, we do not send it your name, email, or phone number, and we do not use it for advertising. If your browser sends a “Do Not Track” signal we do not load it at all, and a tracker blocker will also stop it, which we do not work around. The same Do Not Track rule covers the Constant Contact tracker, and there is a second way to end that one at the source: it can only put a name to the pages you read while you are subscribed to our newsletter, so unsubscribing stops it, and you are anonymous to it again from then on. The iPhone app is different: it contains no analytics software at all. It keeps your sign-in token in the iPhone’s secure Keychain so you do not have to sign in every time; signing out removes it.

How long we keep it

If you become a client, we keep your records for as long as you hold a policy with us and afterwards for the period insurance regulations require.

If you contacted us and did not go ahead, we keep the request long enough to follow up properly and then no longer than we have a reason to. You can ask us to delete it sooner.

A life insurance quote you do not turn into a request is kept nowhere: not by the website, not by the app, not by the App Clip. The App Clip keeps nothing of yours beyond the quote you are working on, and your phone removes the App Clip and anything it kept on its own after 30 days without use.

A photograph of a payment card is the exception, and it is not kept: we delete it within 72 hours of updating your payment information, or within a week if the picture could not be read and one of our staff had to read the card by hand. Everything else about that request (that you asked, when, and what we did) stays in your file like any other request.

How we protect it

Everything you send travels over an encrypted connection. Sensitive fields are encrypted where we store them, access is limited to the staff who need it to do their job, and every look at a sensitive field is logged.

The app asks you to set a four-digit PIN the first time you sign in on a phone, and asks for it again each time you open the app or come back to it after a while. That is there for the case iPhone’s own lock does not cover: a phone taken while it is already unlocked. You can also turn on Face ID or Touch ID to open the app instead of typing the PIN.

Your PIN stays on your phone: we never receive it and we cannot look it up, so if you forget it the only way back is to sign in again with your phone number and date of birth. If you use Face ID or Touch ID, your face and fingerprint never reach us either: the iPhone checks them itself and tells the app only whether it was you.

No system is perfectly secure, and we will not pretend otherwise. If a breach affects your information we will tell you, as the law requires.

Your choices

You can ask us to:

• Tell you what information we hold about you
• Correct anything that is wrong
• Delete your information, where we are not required to keep it
• Stop calling or texting you

Call or email us using the details at the end of this policy. We will not treat you differently for asking. Depending on where you live you may have additional rights under your state’s privacy law; ask and we will honor them.

Children

This website and app are for adults arranging insurance. We do not knowingly collect information directly from children. A parent naturally gives us a child’s details when adding them to a family policy, and we use those only for that coverage.

Changes to this policy

If we change this policy we will update the date at the top of the page. If a change materially affects how we use information you already gave us, we will tell you directly rather than rely on you noticing.

How to reach us

Questions about this policy, or want to exercise any of the choices above? Call the office or write to us at the address below and ask for the privacy contact.

• (800) 305-7709
• 7650 W Flagler St, Miami, FL 33144
• Mon–Fri 10:00 am – 8:00 pm · Sat 10:00 am – 3:00 pm