1. Who We Are
ClearCoverage operates the website at puxohu-miwuli.info. We are an educational resource providing plain-language explanations of publicly available health insurance marketplace information for self-employed Americans. We are not an insurance company, insurance broker, or licensed insurance agent. We are not affiliated with Healthcare.gov, the Centers for Medicare and Medicaid Services, or any federal agency.
Our mailing address is 635 W 7th St UNIT 401, Cincinnati, OH. You may reach us at [email protected] or by phone at +1 513-729-1999.
This Privacy Policy describes how ClearCoverage collects, uses, stores, and discloses information when you visit our website. By using this site, you acknowledge that you have read and understood this policy.
2. Information We Collect
We collect two categories of information: information you provide to us directly, and information collected automatically through your use of the site.
Information You Provide
If you use our contact form, you provide your name, email address, and the content of your message. You also indicate agreement with this Privacy Policy via a required checkbox. This information is transmitted directly to our email address via your device's mail client. We do not operate a server-side form processing system, so form submissions are handled by your local email application.
Information Collected Automatically
When you visit our website, certain technical information is collected automatically. This may include your Internet Protocol (IP) address, browser type and version, operating system, referring URL, pages visited on this site, time spent on pages, and the date and time of your visit. This information is collected through server logs and, if you consent, through analytics cookies.
We do not collect sensitive personal information such as health information, financial account numbers, Social Security numbers, or government identification numbers. The irony of an educational site about health insurance collecting health data is not lost on us, and we have deliberately avoided doing so.
3. How We Use Information
Information collected through this site is used for the following purposes:
Operating the site: Technical data necessary to serve web pages to your browser, maintain site security, and diagnose technical problems.
Understanding usage: Aggregate, anonymized analytics help us understand which content is most useful to visitors, how people navigate the site, and where we can improve the educational material.
Responding to inquiries: If you contact us via the contact form, we use your name and email to respond to your message. We do not use contact form submissions for marketing purposes.
Improving content: Understanding how visitors interact with specific pages helps us identify where explanations are unclear or where additional information would be helpful.
We do not sell personal information. We do not use personal information for targeted advertising. We do not create profiles of individual users.
4. Cookies and Tracking
This site uses cookies, which are small text files stored on your device by your browser. We use the following categories of cookies:
Strictly Necessary Cookies: These cookies are required for the website to function. They include the cookie that stores your cookie consent preferences. These cannot be disabled because the site cannot function without them.
Analytics Cookies: With your consent, we use analytics cookies to collect anonymized data about how visitors use the site. This data is aggregated and does not identify individual users. You may decline analytics cookies via the cookie consent banner.
Preference Cookies: These cookies remember settings you have chosen, such as display preferences. You may decline preference cookies via the cookie consent banner without affecting core site functionality.
You can manage cookies through your browser settings at any time. Disabling all cookies may affect site functionality. Our cookie consent banner allows granular control over non-essential cookie categories. Your preferences are stored using a cookie named "pmw_consent" which expires after 365 days.
We do not use tracking pixels, fingerprinting, session replay tools, or any other covert tracking technology.
5. Third-Party Services
This site embeds a Google Maps iframe on the Contact page to display our office location. When you view that page, Google may collect certain information through the embedded map in accordance with Google's Privacy Policy. We do not control Google's data collection practices.
We link to external government websites including Healthcare.gov, IRS.gov, and other federal government domains. These sites have their own privacy policies. We are not responsible for the content or privacy practices of any external site.
We load the Font Awesome icon library from a content delivery network operated by Cloudflare. This may result in a network request to Cloudflare's servers when you visit our site. We also load web fonts from Google Fonts, which may result in a request to Google's servers. These third parties may collect IP address data through these requests.
We do not integrate with advertising networks, social media platforms, or data brokers.
6. Data Retention
Because our contact form submits directly to our email via your mail client, form data is stored in our email inbox. We retain email correspondence for a period of up to two years, after which it is deleted. If you request deletion of a specific communication, we will honor that request within 30 days of receiving it.
Server log data, which may contain IP addresses, is retained for up to 90 days and then automatically purged. This data is used only for security monitoring and technical diagnostics.
Cookie consent preferences stored in your browser expire after 365 days. Analytics data, if collected, is retained in aggregated, anonymized form and is not tied to identifiable individuals.
7. Your Rights
Depending on your state of residence, you may have certain rights regarding your personal information. Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to know what personal information is collected, the right to delete personal information, the right to correct inaccurate information, the right to opt out of the sale or sharing of personal information (we do not sell or share personal information), and the right not to be discriminated against for exercising these rights.
Virginia residents may have rights under the Virginia Consumer Data Protection Act (VCDPA), including rights of access, correction, deletion, and portability. Colorado residents may have similar rights under the Colorado Privacy Act (CPA).
To exercise any of these rights, contact us at [email protected] with a description of your request. We will respond within the timeframe required by applicable law, typically 45 days. We may need to verify your identity before processing a request.
Residents of other states may also have applicable privacy rights under emerging state legislation. We will honor reasonable privacy requests regardless of your state of residence.
8. Children's Privacy
This website is intended for adults, specifically self-employed adults navigating health insurance decisions. We do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently collected information from a child under 13, we will delete it promptly. If you believe we have collected information from a child, please contact us at [email protected].
This site is not directed at children and does not contain content designed to attract children. Our compliance with the Children's Online Privacy Protection Act (COPPA) reflects this intent.
9. Security
We implement reasonable technical and organizational measures to protect the information we collect. Our website is served over HTTPS, which encrypts data in transit between your browser and our server. We do not store payment card information or other highly sensitive data.
No method of transmission over the Internet or electronic storage is completely secure. While we take reasonable precautions, we cannot guarantee absolute security. If you believe a security incident has occurred involving our site, please notify us at [email protected].
10. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or the services we offer. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.
Continued use of the site after changes to this policy constitutes your acceptance of the updated policy. If you disagree with any changes, you may discontinue use of the site and contact us to request deletion of any personal information we hold about you.
11. Contact
For privacy-related inquiries, requests, or concerns, please contact us through any of the following channels:
Email: [email protected]
Phone: +1 513-729-1999
Postal Address: ClearCoverage, 635 W 7th St UNIT 401, Cincinnati, OH
We will acknowledge receipt of your inquiry within five business days and respond substantively within the timeframe required by applicable law.