Last Updated: Oct 9, 2023

You are visiting a website owned and operated by Healthytoday360.com. Healthytoday360.com and its subsidiaries (collectively, “Healthytoday360.com”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to Healthytoday360.com and all websites and mobile apps owned and operated by Healthytoday360.com on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as Healthytoday360.com affiliates.

Information We Collect

1. Identifying Information:We collect information that could identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number. 
2. Other Information:We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

1. Information provided by you:We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.
2. Information from third parties:Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.
3. Information from cookies and other tracking technologies:We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Sites may not function properly.

How We Use Information

We may use collected information to:

1. Deliver the products and services you requested
2. Improve customer service
3. Improve our Site
4. Personalize your user experience
5. Communicate with you about products or services that may be of interest to you
6. Manage our business

Who Do We Share Your Information With?

Healthytoday360.com Affiliates: We may share information about you or provided by you with the Healthytoday360.com affiliates.

Insurance Companies: We may also share information about you with other Insurance Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in.  These companies’ privacy and information sharing practices are set forth in their respective privacy policies.

Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.

Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.

Other Situations: We may also disclose information about you or provided by you at our sole discretion:

1. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
2. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the Healthytoday360.com business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
3. In connection with a substantial corporate transaction involving the Healthytoday360.com business, such as a sale of Healthytoday360.com or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
4. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize Healthytoday360.com to obtain any and all required information from the entities with whom you have interacted with in connection with Healthytoday360.com in order for us to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
5. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Cookies and Do Not Track

1. We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.
2. The Websites may not respond to Do Not Track requests or headers from some or all browsers.

Marketing and Communications

1. Communications:You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from Healthytoday360.com.
2. Advertising on third party sites:We may use third-party tracking technology. This technology allows targeted advertisements to you from Healthytoday360.com businesses. 

How We Protect Your Information

We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.

Changes to this Privacy Policy

Healthytoday360.com has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Visiting our Websites From Outside the United States

The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.

Online Tracking Opt-Out Guide

Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:

Blocking cookies in your browser.  Most browsers let you remove or reject cookies, including cookies used for interest-based advertising.  To do this, follow the instructions in your browser settings.  Many browsers accept cookies by default until you change your settings.  For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.

Blocking advertising ID use in your mobile settings.  Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.

Using privacy plug-ins or browsers.  You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.

Platform opt-outs.  The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:

Google: https://adssettings.google.com

Facebook: https://www.facebook.com/about/ads

Twitter: https://twitter.com/personalization

Advertising industry opt-out tools.  You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:

Digital Advertising Alliance:  http://optout.aboutads.info

Network Advertising Initiative: http://optout.networkadvertising.org/?c=1

Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.

How to Contact Us If you have any questions about this privacy policy, please contact us at:

support@healthytoday360.com

NOTICE TO CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their personal Information, and the rights and choices we offer California residents regarding our handling of their personal information.

CCPA Scope and Exclusions

This CCPA Notice, including the description of our Privacy Practices and your Privacy Rights, apply only to California residents whose interactions with us are limited to:

1. Visiting our consumer websites,
2. Signing up for email alerts,
3. Commenting on or contributing to our blogs,
4. Establishing an account that does not include financial products or services, or
5. Applying for our job openings on our websites  (however, note that the CCPA limits some of the privacy rights for job applicants). 

This CCPA Notice does not apply to the personal information we collect, use or disclose about:

1. Consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us. 

Privacy Rights

The CCPA grants individuals the following rights:

Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.

Access. You can request a copy of the personal information that we maintain about you.

Deletion. You can ask us to delete the personal information that we collected or maintain about you.

Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.

How to Submit a Request

To request access to or deletion of personal information:

Email: support@healthytoday360.com

Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request.  We will ask you to verify your identity when you submit a request.

Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf.  We will require the authorized agent to have a written authorization confirming that authority.

Notice of Collection of Personal Information. We list the categories of your information that we collect and the business and commercial purposes for our use as described in the detailed chart above.