The Cosmopolitan Consumer Group, LLC (“the Cosmopolitan Consumer Group”, “our”, “us”, “we”) is committed to keeping all personal identifiable information collected of those individuals that visit our website and make use of our online facilities and services, accurate, confidential, secure, and private. This document (“Privacy Policy Agreement”) outlines the information that the Cosmopolitan Consumer Group collects about you when you use insurancehealth.club, website ("Site") and how we use it.
THEREFORE, this Privacy Policy Agreement shall apply to all the users of the Site (“users”, “you”, “your”) who provide their personal identifiable information along with any other personal or proprietary details on the Site and thus it shall govern all data collection and usage thereof.
By using this Site, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. You must read, agree with, and accept all the terms and conditions contained in this Privacy Policy Agreement before you use the Site. If you do not agree to the terms of the Privacy Policy Agreement, then you should refrain from use of our Site. By visiting and using the Site, you agree that your use of the Site and any disputes over privacy shall be governed by this Privacy Policy. Any new changes or modifications which are added to the current Site shall also be subject to this Privacy Policy Agreement.
The Site collects various types of information, such as:
It is the intent of the Cosmopolitan Consumer Group that any information accessed or collected of User is knowingly and willingly provided by User through use of Site, submission of surveys, completed membership forms, and emails and that the information is used only for the purpose for which it was requested, and any additional uses specifically provided on this Site.
The Cosmopolitan Consumer Group may have the occasion to collect anonymous demographic information, such as age, gender, household income, political affiliation, race, and religion. We may also gather information about the type of browser you are using, IP address or type of operating system to assist us in providing and maintaining superior quality service.
In addition to the above, the User acknowledges and agrees that on the front end of the Site, only essential information, such as email and phone number with TCPA opt-in, is collected through the provided form (as amended from time to time). However, the User further acknowledges and agrees that on the backend of the Site, additional data beyond what is explicitly requested on the front end may be acquired by Company through other sources including but not limited to our publishers. This additional data may include without limitation first name, last name, address, and other pertinent information provided by publishers. The User affirms that this data acquisition is conducted in compliance with relevant laws and regulations, including but not limited to data privacy laws. The User also acknowledges that the purpose of acquiring this additional data is for legitimate business interests and to enhance the functionality and user experience of the Site. The parties agrees to handle and use all collected data responsibly and in accordance with the privacy policy and applicable laws.
The Cosmopolitan Consumer Group may collect and may make use of personal information to assist in the operation of our Site and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information to keep you informed of other possible products and/or services that may be available to you from the Cosmopolitan Consumer Group. The Cosmopolitan Consumer Group and our subsidiaries may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.
The Cosmopolitan Consumer Group may feel it necessary, from time to time, to contact you on behalf of other external business partners with regards to a potential new offer which may be of interest to you. If you consent or show interest in presented offers, then, at that time, specific identifiable information, such as name, email address and/or telephone number, may be shared with the third party.
The Cosmopolitan Consumer Group may find it beneficial to share specific data with our trusted partners to conduct statistical analysis, provide you with email and/or postal mail, deliver support and/or arrange for deliveries to be made. Those third parties shall be strictly prohibited from making use of your personal information, other than to deliver those services which you requested, and as such they are thus required, in accordance with this agreement, to maintain the strictest of confidentiality with regards to all your information.
The Cosmopolitan Consumer Group, LLC may disclose your personal information or any other information, without prior notice to you, only if required to do so in accordance with applicable laws and /or in a good faith belief that such action is deemed necessary or is required to:
You agree and acknowledge that the Cosmopolitan Consumer Group shall not be liable for any harm, loss or damage of any nature caused to you due to disclosure of information in above mentioned circumstances.
The Cosmopolitan Consumer Group does not knowingly collect personal identifiable information from children under the age of thirteen (13) without verifiable parental consent. If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.
All users and/or visitors to our Site have the option to discontinue receiving communication from us and/or reserve the right to discontinue receiving communications by way of email or newsletters. To discontinue or unsubscribe to our Site please send an email that you wish to unsubscribe to unsubscribe@insurancehealth.club If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe and/or opt-out.
Our Site does contain links to affiliate and other websites. The Cosmopolitan Consumer Group does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each website that collects personally identifiable information. The Privacy Policy Agreement applies only and solely to the information collected by our Site.
We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you transmit to us through the use of Site, services or store on the Site and you do so at your own risk. We cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards.
You will have the right to adjust your privacy settings to limit access to your information, however. we cannot control the actions of other users or other third parties with whom you may choose to share your information. Therefore, we cannot and do not guarantee that information you post through the services and on the Site will not be viewed by unauthorized persons. We are not responsible for circumvention of any privacy settings or security measures contained on the Site. Even after removal, copies of information that you have posted may remain viewable in cached and archived pages or if other users have copied or stored such information.
The Cosmopolitan Consumer Group reserves the right to transfer or assign the information that we have collected from users, in connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy and will notify the same to the Users.
The Cosmopolitan Consumer Group reserves the right to update and/or change the terms of the Privacy Policy Agreement, and as such we will post those change to our Site’s homepage, so that the users and/or visitors are always aware of same. If at any point in time the Cosmopolitan Consumer Group decides to make use of any personally identifiable information on file, in a manner significantly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
If you have any questions or concerns regarding the Privacy Policy Agreement or related to our website, please feel free to contact us at the following email, telephone number or mailing address.
Email: care@insurancehealth.club
Telephone Number: (855) 738-0882
Mailing Address: 30 N Gould St Sheridan WY 82801
Last Updated: April 26, 2023
The terms and conditions stated herein below for the collection and use of the information by the Cosmopolitan Consumer Group applies solely to all visitors, users, and other legal entities who reside in the State of California (“consumers” or “you”) and is supplemented by the preceding terms and conditions of the Privacy Policy Agreement. We adopt this notice (“privacy notice”) to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). We have collected the following categories of personal information from consumers within the last twelve (12) months:
| Categories | Examples | Collected |
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | NO |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | YES |
| G. Geolocation data. | Physical location or movements. | NO |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | NO |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
| K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
We disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have not sold any personal information.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons of non-compliance with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will share the reason from same and provide you with a cost eSavingsate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (855) 738-0882
Website: insurancehealth.club
Email: care@insurancehealth.club
Postal Address: Cosmopolitan Consumer Group, LLC. 30 N Gould St Sheridan, WY 82801