Ramsay Jean-Jacques operates InstaCoverage and instacoveragequote.com.
This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit our website, use our coverage calculator, submit a form, request information, or communicate with us.
By using this website, you agree to this Privacy Policy.
Information we collect
We may collect information you provide directly, including:
- Name
- Email address
- Phone number
- ZIP code
- Birth year or date of birth
- Age
- Household size
- Household income range or estimated income
- Current insurance status
- Coverage preference
- Coverage urgency
- Reason for looking for coverage
- Messages or notes you submit
- Consent choices
- Communication preferences
We may also collect technical information automatically, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Buttons clicked
- Form progress
- Date and time of visit
- Referring website
- Approximate location based on IP address
- Analytics and session behavior data
Sensitive information
Some information you provide may relate to health insurance, eligibility, household income, or coverage needs.
We use this information only to provide the calculator experience, estimate possible coverage options, create or manage a lead record, contact you if you request help, and connect you with appropriate assistance.
Do not submit medical records, diagnosis details, Social Security numbers, payment card details, or other highly sensitive information through this website.
How we use your information
We may use your information to:
- Provide coverage estimates
- Show possible coverage paths
- Calculate estimated ranges
- Create a lead record
- Contact you about coverage options
- Respond to your request
- Send calls, texts, emails, or follow-up messages when allowed
- Connect you with Ramsay Jean-Jacques, the licensed insurance agent operating this website
- Improve the website and calculator
- Analyze website performance
- Prevent spam, fraud, and abuse
- Maintain compliance records
- Keep consent logs
- Comply with legal obligations
CMS Marketplace API and public marketplace data
We may use marketplace plan data, government-published data, or third-party API data to generate estimated coverage information.
These estimates are informational only and may not reflect final plan availability, final eligibility, or final pricing.
Sharing of information
Your information is used by Ramsay Jean-Jacques, a licensed insurance agent (NPN 21168419), to provide your quote and follow up on your request. We do not sell or transfer your information to other agencies, third-party agents, or lead buyers.
To operate this website and respond to your request, we share information only with service providers (subcontractors) working on our behalf:
- Technology service providers
- CRM and dialer platforms
- Email and SMS providers
- Analytics providers
- Hosting and security providers
- Compliance and legal service providers
- Government or regulatory authorities when legally required
These service providers process information only to support our services and are not permitted to use it for their own marketing.
We do not sell your personal information.
SMS Consent and Phone Numbers
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Calls, SMS, and email communications
If you provide your phone number and the applicable consent, we may contact you by phone call, SMS, MMS, email, or automated technology about your coverage inquiry.
We operate separate SMS programs for non-marketing messages (quote delivery, verification codes, and appointment or callback reminders) and for marketing messages. Each program requires its own separate consent, and consent is never a condition of receiving a quote or purchasing any product or service.
Message frequency varies. Message and data rates may apply.
You can opt out of SMS messages at any time by replying STOP. Reply HELP for assistance.
You can request to be placed on a Do Not Call list by contacting us at ramsay@instacoveragequote.com or (888) 635-3380.
Analytics and session recording tools
Optional analytics and behavior tools such as Microsoft Clarity, Google Analytics, Meta Pixel, or similar tools load only after you select “Allow analytics” in our privacy choices panel.
When allowed, these tools may collect generalized public-page paths, clicks, scrolling, device and browser information, referral source, and general interaction patterns. Optional analytics are not loaded on the quote, verification, private results, or help-request pages. We use public-page information to improve the website, reduce errors, and understand where users may be confused.
The private quote funnel does not load optional analytics, so quote answers, names, phone numbers, email addresses, ZIP codes, dates of birth, income, quote identifiers, verification codes, and private result URLs are excluded from the optional analytics generated by this website.
Cookies and tracking technologies
We use necessary browser storage to remember your analytics choice. If you select “Allow analytics,” the website may then load Google Tag Manager and optional analytics or conversion-measurement tags. Optional technologies may be used to:
- Measure traffic
- Track calculator completion
- Measure advertising conversions
- Detect technical issues
- Understand visitor behavior
- Improve conversion rates
We do not use remarketing lists, Customer Match, or other personalized-advertising audiences based on your use of this website, consistent with Google's sensitive-category policies for health-related products.
You can choose “Use necessary only” before optional analytics load, or change your choice at any time using the “Cookie choices” link in the footer. You may also block or delete cookies in your browser or use provider opt-out tools. See our Cookie and Analytics Notice page for full details.
Data retention
We keep personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including lead follow-up, compliance, audit, legal, fraud prevention, and business record purposes.
Retention periods may vary depending on legal, regulatory, operational, or contractual requirements.
Data security
We use reasonable administrative, technical, and organizational safeguards to protect information.
However, no website, database, or internet transmission is 100% secure.
You submit information at your own risk.
Your choices
You may request to:
- Access your information
- Correct your information
- Delete your information, where legally allowed
- Opt out of marketing communications
- Opt out of SMS messages
- Be added to a Do Not Call list
- Withdraw consent for future communications
To make a request, contact:
- ramsay@instacoveragequote.com
- (888) 635-3380
Your state privacy rights
Residents of certain states (including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, and others with comprehensive privacy laws) may have additional rights, including the right to know, access, correct, delete, and obtain a portable copy of personal information, and the right to opt out of the sale or sharing of personal information and of targeted advertising.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising, as those terms are defined by applicable state privacy laws. Because we do not sell or share personal information, no "Do Not Sell or Share" opt-out is required; if our practices ever change, we will update this policy and provide the required opt-out link first.
We honor opt-out preference signals such as Global Privacy Control (GPC) where required by law.
To exercise any state privacy right, contact ramsay@instacoveragequote.com or (888) 635-3380. We will verify your request and respond within the time required by your state's law. We will not discriminate against you for exercising your rights. If we deny your request, you may appeal by replying to our decision, and we will explain the outcome of the appeal.
Children
This website is not directed to children and is not intended for anyone under 18.
We do not knowingly collect personal information from children under 18, and we do not knowingly collect personal information from children under 13 in accordance with the Children's Online Privacy Protection Act (COPPA). If you believe a child has provided us personal information, contact ramsay@instacoveragequote.com and we will delete it.
Third-party websites
This website may link to third-party websites, carriers, marketplaces, or partner services.
We are not responsible for the privacy practices, content, or policies of third-party websites.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time.
The updated version will be posted on this page with a new effective date.
Contact
For privacy questions, contact:
- Ramsay Jean-Jacques
- ramsay@instacoveragequote.com
- (888) 635-3380
- 12677 Classic Drive, Coral Springs, FL 33071