TCPA Compliance/Agreement
By submitting my information, I provide my express written consent via electronic signature for my contact information to be provided to a licensed insurance agent from or on behalf of Navigate Insurance Group and our partners, Smart Match Insurance Agency, Spring Venture Group and United Medicare Advisors, to be contacted in the future about products I have indicated interest in such as Medicare Advantage, Prescription Drug Plans, or Medicare Supplement insurance plans. I consent to be contacted by an automatic telephone dialing system, artificial voice and/or pre-recorded message/text message at the telephone number you provided above (including any wireless number) or by email. I understand the consent is not a condition of purchase and my consent can be revoked at any time, and I may also receive a quote by contacting me by phone. I understand my carrier’s message and data rates may apply.
Terms & Conditions of Use
Navigate Insurance Group, Inc. provides the website and our services to you subject to the following terms and conditions. Please take the time to read these terms and conditions carefully. Your use of the Navigate Insurance Group, Inc. website and use of our services is your acknowledgment that you have read and agree to be bound by these terms and conditions. The companies listed on this website, including advertisers and insurance institutions, are not affiliated with Navigate Insurance Group, Inc., and the availability of insurance plans varies by state and even county in some instances. These Terms of Use may be changed by us from time to time without notice to you, and the latest version will be posted on this Site.
About This Site
This website (hereinafter “the Site” or “this Site”) is provided by Navigate Insurance Group, Inc., an insurance agency that specializes in providing Medicare-related product quotes and assisting Medicare-eligible customers to find the right Medicare insurance product for their needs. In those states where Navigate Insurance Group, Inc. does not have a licensed agent, Navigate Insurance Group, Inc. will attempt to connect you with a Medicare supplement insurance professional who may be able to assist you.
Although Navigate Insurance Group, Inc. offers several Medicare-related products from numerous providers, Navigate Insurance Group, Inc. does not endorse any one company in particular, and any information provided about a particular insurance plan, provider, or agent shall not be construed as an endorsement by Navigate Insurance Group, Inc.
Privacy Policy
Navigate Insurance Group, Inc. respects the privacy of our consumer users (“you” or “your”) and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. If you are an individual who is a user of this website, who accesses or responds to advertisements or offers e-mailed or displayed to you relating to this website, or who is otherwise a user of the services provided by Navigate Insurance Group, Inc. this privacy policy is intended to describe for you, among other things: the information we collect about you; how we use the information we collect; with whom we share your information; how you can access your information; your choices about collection and use of your information; and how we protect your personal information.
Please read this Privacy Policy carefully when using our website or services, responding to our advertisements and offers, or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy. (This Privacy Policy does not apply to our vendors, contractors, and employees.) If you have any questions about our privacy practices, our contact information is provided below.
The Information We Collect About You
In general, we may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you such as your zip code. When you provide personal information through our website, the information may be sent to Navigate Insurance Group, Inc.
Information you provide. As mentioned above, we may collect information you submit on our website, such as your name, e-mail address, and zip code. We may also track your interaction with email advertisements sent to you by Navigate Insurance Group, Inc. or our e-mail service providers on our behalf (for example, when you register, purchase, or browse in response to such emails).
List Information from Vendors. We may obtain information about you after you provide information to a third party and you permit that party (the “Seller”) to share the information, which Navigate Insurance Group, Inc. subsequently purchases, licenses, or otherwise lawfully acquires. Such information may include, but is not limited to, your name, street address, zip code, telephone numbers, birth date, gender, salary range, education, marital status, occupation, industry of employment, personal and/or online interests, and/or other information which you provided to the Seller (together, “Vendor List Information”). When acquiring Vendor List Information, it is represented to Navigate Insurance Group, Inc. that the Seller has a right to transfer the Vendor List Information to Navigate Insurance Group, Inc. and that Navigate Insurance Group, Inc. may lawfully use the Vendor List Information to transmit offers to you. You may opt out of receiving these offers by using one of the methods specified in the section below entitled “Your Choices About Collection and Use of Your Information”.
Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors, and other third parties, as well as information from public databases. Examples of information that we may receive include information about your home and additional demographic information.
Storage of Information We Collect
We may store the personal information described above as necessary to accomplish the business purposes for which it was collected, as well as to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. We also maintain an information security program that limits the storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.
How We Use The Information We Collect
In general. We may use information that we collect about you to: deliver the products and services that you have requested (for example, to provide you with Medicare supplemental insurance quotes and/or match you with insurance companies); send you offers that you have opted in to receive; manage your relationship with us and provide you with customer support; communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties; enforce our terms and conditions; cooperate with legal, criminal or regulatory investigations or proceedings; manage our business, and perform functions as otherwise described to you at the time of information collection.
WITH WHOM WE SHARE YOUR INFORMATION
We do not share, sell, rent, or trade your personal information with third parties other than as disclosed within this Privacy Policy.
We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our website while using our services or in your other interactions (such as responding to e-mails) with us.
HOW YOU CAN ACCESS YOUR INFORMATION
If your personal information changes, or if you would no longer like us to contact you, you may correct, update or request deletion by emailing us at info@navigatemedigap.com.
YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION
You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our website because such information may be required in order for you to apply for or obtain products or services.
If you would like to delete the personal information that we have collected from you, please send your request via e-mail to info@navigatemedigap.com. However, federal and state regulations may require that we store certain information for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our database until the expiration of the applicable period.
HOW WE PROTECT YOUR PERSONAL INFORMATION
We take appropriate security measures (including physical, electronic, and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, with regard to Navigate Insurance Group, Inc. internal operations only authorized employees and agents are permitted to access personal information, and they may do so only for permitted business functions. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
CHANGES TO THIS PRIVACY POLICY
We will occasionally update this privacy policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the “last updated” date at the top of this privacy policy. Accordingly, you should periodically check the “last updated” date at the top of our Privacy Policy so that you can familiarize yourself with any changes.
HOW TO CONTACT US
If you have any questions about this privacy policy or our information-handling practices, or if you would like to request information about our use of personal information, please contact us at info@navigatemedigap.com.
You may also contact us at:
700 N. St. Mary’s Street, Suite 1400
San Antonio, Texas 78205
Available Services
The purpose of the site is to provide consumers with the ability to research Medicare supplement insurance and receive comparative insurance quotations from some of the many companies we represent. By submitting this information, you give written permission and authorize Navigate Insurance Group, Inc. and/or its approved health insurance carrier partners and/or their licensed agent to contact you by phone or email to discuss your Medicare Supplement, Medicare Advantage, and/or Medicare Part D (prescription drug) plan options.
Governing Law
Any disputes arising out of or related to the site shall be governed by and construed and enforced in accordance with, the laws of the State of Texas applicable to contracts entered into and to be performed entirely within the State of Texas.
No Unlawful or Prohibited Use. As a condition of your use of the site, you warrant to Navigate Insurance Group, Inc. that you will not use the site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.
Disclaimer
The Site and our services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no representations of warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement.
Limitation of Liability
WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Other
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.
Contacting Us
If you have any questions about Navigate Insurance Group Inc., this site, our service, or our privacy policy, you may contact us at:
Navigate Insurance Group Inc.
700 N. St. Mary’s Street, Suite 1400
San Antonio, Texas 78205
support@navigateinsurancegroup.com
Changes and Updates
We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be posted and accessible on this Site at all times.