Effective: January 1, 2023
We are QuoteLab, LLC, and we do business as MediaAlpha. We provide marketplaces connecting consumers like you with businesses that provide or are able to connect you with other businesses that provide insurance, finance, travel, and other products and services that may be of interest to you, or that you may wish to purchase or request a quote or rates for. We refer to these businesses as advertisers or our network of advertisers. You may access our marketplaces through the websites we own and operate, our web forms that are embedded in our websites and those embedded in certain third-party websites that we partner with, by calling us, or by asking us to call, email, or text you.
We do not provide rates, quotes, travel, insurance, or finance products or services. The rates and quotes we show you are from advertisers participating in our marketplaces.
We do not act as an agent for any advertiser participating in our marketplaces nor do we sell the products or services of such advertisers.
In this Policy, we explain how we collect, use, share, retain, and transfer information. We also provide information about your rights and how to exercise them with us. Each section of this Policy is designed to include helpful examples (where appropriate) with simpler language to make our practices easier to understand. There are also links to resources where you may learn more about the privacy topics that interest you. Of course, if you have questions, feel free to Contact Us.
This Policy describes the services we offer, how our marketplaces work, the information that we collect and process about you to provide our services, how we handle the information we collect about you, and your rights and how to exercise them with us.
We provide our services through our marketplaces which include:
Our marketplaces are designed to connect you with advertisers (which we also call our network of advertisers or marketing partners and which may include businesses, agents, carriers, lead aggregators, and other types of advertisers in our network) who provide or are able to connect you with other businesses who provide:
You may use our marketplaces in different ways including by:
The information that we collect and process to provide our services and the sources of this information includes:
For each of these, we use the information we collect for the following business purposes to:
Additional details with respect to the above are provided below including in What information do we collect and from what sources?, How and for what business purposes do we use the information we collect?, and When, how, and with whom do we share the information we collect?.
The websites and apps maintained by other businesses that are not covered by this Policy include the websites and apps owned and operated by advertisers participating in our network of advertisers (that you connect with through our marketplaces). For example, when you use our marketplaces to connect with our network of advertisers, the advertisers we connect you with will handle the information you instructed us to share with them (to learn more about the advertiser’s products and services that interest you, or to request a quote or rates, or to purchase their products and services) and any other information you share with them according to their own terms and policies, not MediaAlpha's.
The information we collect and process about you depends on how you use our marketplaces. For example, if you use our websites rather than our web forms or when you use our telephone numbers to call us rather than asking us to call you or text you.
The information we collect and process about you also depends on the purpose of your use. For example, we collect different information when you use our marketplaces to connect you with advertisers that offer insurance products and services than when you use our marketplaces to connect with advertisers that offer travel products and services.
It is important to remember that you may use our marketplaces by using our websites, by using our web forms embedded in our websites, by using our web forms that are embedded in the third-party websites that we partner with, by calling us using the telephone numbers we provide on our websites, by asking an advertiser to transfer the call you made to them to us, or by asking us to call, email, or text you, and by signing up for one of our marketing lists.
When you use our web forms, or when you call us, or when you ask us to call or text you, the specific categories of information that you may provide us and that we will collect from you will be presented to you at the time you make your request. For example, if you are using our marketplaces to connect with advertisers for travel products and services we may ask you to provide us your home and destination airports, number of stops, number of travelers, and travel dates so that we can identify and connect you with relevant advertisers, and display the top matches from our network of advertisers to you by showing you the flight and hotel options available from them.
Here are the categories of information you may provide to us and that we collect from you (which may also include the same information about other members of your household like your spouse or child) through our web forms, when you call us, and when you ask us to call or text you:
|Advertiser Products and Services||Specific Types of Advertiser Products and Services||Categories of Information Collected|
|Insurance||Home, vehicle, motorcycle or other property Insurance types||Name, email, phone, address, zip code, and depending on the type of insurance requested we may also ask you for gender, age when first licensed, birthday, marital status, home details, vehicle year, vehicle make, vehicle model, vehicle type, education, credit rating, activate or inactive drivers license, whether a SR-22 was filed, whether you are military affiliated, whether you own, rent, or have a garage, past insurance company details, status of financed loan, vehicle purpose (work, school, mileage, own-lease), insurance expectations for deductibles, and any other information we request from you at the time you make your request that is relevant to the type of insurance products or services you are inquiring about.|
|Health Insurance||Name, address, zip code, phone, email, gender, date of birth, type of insurance and coverage, health conditions (e.g., typically yes or no response questions whether certain health conditions may be applicable to you or anyone in your household such as whether you or your spouse is pregnant, has a history of tobacco use, heart attacks, or other health conditions), physical information such as height and weight, whether coverage should include minors/spouse, household income, and any other information we request from you at the time you make your request that is relevant to the type of insurance products or services you are inquiring about.|
|Workers Compensation Insurance||Business name, business address, business owner's name, email, phone, zip code, business category, number of years in business, number of employees, business legal entity type, number of business locations, whether currently insured, and any other information we request from you at the time you make your request that is relevant to the type of insurance products or services you are inquiring about.|
|Pet Insurance||Name, email, zip code, pet information, and any other information we request from you at the time you make your request that is relevant to the type of insurance products or services you are inquiring about.|
|Flights||Name, address, phone, email, home and travel destination (i.e., to/from airports), number of stops, travel dates, number of travelers, and any other information we request from you at the time you make your request that is relevant to the type of flight products or services you are inquiring about.|
|Hotel||Name, address, phone, email, travel city, check-in and check-out dates, number of hotel rooms, number of guests, and any other information we request from you at the time you make your request that is relevant to the type of hotel products or services you are inquiring about.|
|Car Rental||Name, address, phone, email, pickup/drop off locations, pickup/drop off dates and times, car rental type, and any other information we request from you at the time you make your request that is relevant to the type of car rental products or services you are inquiring about.|
|Cruise||Name, address, phone, email, preferred cruise line, desired cruise destinations, cruise dates, length of cruise, number of passengers, and any other information we request from you at the time you make your request that is relevant to the type of cruise products or services you are inquiring about.|
|Vacation||Name, address, phone, email, home and travel destination (i.e., to/from), travel dates, number of travelers, and any other information we request from you at the time you make your request that is relevant to the type of travel products or services you are inquiring about.|
|Finance||Name, address, phone, email, and any other information we request from you at the time you make your request that is relevant to the type of advertiser's products or services you are inquiring about.|
|Other Products and Services||Name, address, phone, email, and any other information we request from you at the time you make your request that is relevant to the type of advertiser's products or services you are inquiring about.|
All of the information we ask you to provide is required for our marketplaces to work and for us to provide our services to you. If you elect to not provide us with the requested information or otherwise provide information that is not usable, the quality of your experience might be affected. This means our ability to match and connect you with the most relevant advertisers may be impacted.
When you use our marketplaces to request rates or quotes for health insurance from our network of advertisers or to learn more about their health insurance products and services, we will, depending on the type of health insurance and coverage you are inquiring about, ask you questions on whether certain health conditions may be applicable to you or your household such as whether you or your spouse is pregnant, has a history of tobacco use, cardiovascular disease, or other health conditions. This is typically in the form of yes or no questions (e.g., Are you or your spouse pregnant? or Do any of the following medical conditions apply to you or your spouse?). We may also ask you questions related to your physical condition such as your height and weight.
This type of information may reveal a physical or mental health diagnosis or condition and may be considered “sensitive information” (also known as sensitive personal information) under certain privacy laws, rules, and regulations.
We do not sell your sensitive information. We do not process or otherwise share sensitive information for the purpose of cross-context behavioral advertising or targeted advertising. The agreements we have with our network of advertisers and our business partners require them to secure any personal information we provide to them, limit how they use such information, and comply with national, state, and other applicable privacy regulations.
If at any time you wish to request that we delete your information, or revoke the consent you gave us or object to our processing of your information, or if you would like to make any other request regarding your sensitive information, you may do so at any time by submitting a request in our Privacy Center, by emailing us at DPO@mediaalpha.com, or by calling us at 1-833-549-0351
For the information you provide to us and that we collect from you or that we receive from our advertisers, business partners, and other sources that are described below, we may at times process such information to create aggregated, anonymous, or de-identified information that is no longer considered personal information or that can no longer reasonably be used to infer information about, or otherwise be linked to or reasonably linked to, a particular individual or household. We will maintain and use this type of information in an aggregated, anonymous, or de-identified form and not attempt to identify any individual from the information except as required or permitted by applicable laws, rules, or regulations.
All of which helps us to provide a safer and more meaningful experience.
The cookies we use may contain unique identifiers (which may uniquely identify your device or browser), and reside, among other places, on your computer or mobile device, in emails we send to you, and on our websites and web forms. These cookies may also transmit information about you and your use of our services, such as your browser type, device type, search preferences, IP address (which may be treated as personal information in some jurisdictions, but which we use only to identify your general geographic area and to comply with applicable laws, rules, regulations, and orders) and data relating to our network of advertiser’s advertisements and other content that display to you or that you have interacted with, and the date and time of your use. Cookies may be persistent or stored only during an individual session.
With the above in mind, below is a more detailed explanation of the types of information we collect automatically using cookies and other similar technologies when you use our websites and web forms (including those embedded in those third-parties we partner with) and the business purpose:
|Preferences||Intended to remember information about how you prefer our services to behave and look. For example, we use a cookie that tells us whether you have declined to allow us to use certain cookies.|
|Notifications||Intended to allow or prevent notices of information or options that we think could improve your use of our services. For example, we use a cookie that stops us from showing you notifications if you have already seen.|
|Usage and Analytics||
Most web browsers are set to accept cookies by default. If you prefer, you can usually remove or reject browser cookies through the settings on your browser or device. Keep in mind, though, that removing or rejecting cookies may affect the availability and functionality of our websites and web forms. To learn more about your choices, please check out Cookies and Other Technologies.
We receive information about you from our network of advertisers and may also receive information about you from our business partners that provide us services (such as suppliers, service providers, contractors, and consultants), third parties, or other online or offline sources. We require each of these partners to have rights to collect, use, and share your information before providing any information to us. We also receive information from publicly available sources, research institutions, and professional and non-profit groups.
Here are some examples of the types of information we receive about you:
When you sign up for one of our mailing lists (to receive advertisements, marketing, and other product or services information, content, news, and updates from us about our services, our marketplaces, and our network of advertisers and their products and services) we collect your email address and information about the products and services, rates, and quotes you are interested in.
When you contact us, including by mail or email, or communicate with us in any other way, we'll collect whatever information you volunteer or that we need to resolve your question or request. The categories of information we collect from you or that you can provide to us through mail, email, or other means depends on the purpose of your communication to us.
Keep in mind the information we collect through cookies and other online tracking technologies is used along with other information we collect for the purposes outlined in this Policy. We use the information we collect to:
As described in this Policy, our marketplaces are designed to connect you with advertisers so you can learn more about their products and services, so you can request quotes and rates directly from them, and so you can purchase from them those products and services of your choosing. With this in mind, we share the information we have collected about you in the following ways:
Our marketplaces contain various forms of advertisements from our network of advertisers which may be presented to you in various forms including as online ads, text, video, or other interactive content, products and services information, rates, quotes, links, etc. (Advertiser Results). For example, when you submit information through our websites and web forms, in response to your request to be connected with our network of advertisers, you will be presented with advertisements displayed as content and links to websites owned and operated by advertisers participating in our marketplaces. By clicking on these links you will navigate to their website or app where you may learn more about their products and services or request a quote or rates directly from them, or purchase products and services from them, or communicate directly with them. As noted above, when you click on an advertisement displayed to you, you will be providing information to the advertiser as well as to us and any other business partners or other third parties we work with. We are not responsible for how an advertiser and such other third parties collect or use your information. As always, we encourage you to read the privacy policies of every advertiser and third-party service that you visit or use. To learn more, see How and when we share the information we collect about you?
How long we keep the information we collect about you depends on the amount, nature, and sensitivity of the information, the purpose for which it was provided and the purposes for which the information is used, whether we are able to obtain the business objective by other means, the potential risk of harm from unauthorized use or disclosure of the information, our legal, regulatory, tax, accounting and other applicable obligations, and other similar factors.
Generally, we retain the information we collect about you only for as long as is reasonably necessary to fulfill the purpose for which it was collected. For example, we keep the information we collect:
If necessary, however, we may retain the information we collect about you for longer periods of time after the set retention periods and deadlines expire such as where we are required to do so in accordance with legal, tax, and/or accounting requirements set by a legislature, regulator, or other government authority. We may also retain information longer as necessary to resolve disputes and defend claims, as well as for any additional purpose based on the choices you have made, such as to receive marketing communications.
Once retention of the information we collect about you is no longer necessary for the purposes outlined above, we will either delete, aggregate, anonymize, or de-identify the information or, if this is not possible (for example, because the information is stored in backup archives), then we will securely store the information we have collected about you and isolate it from further processing until deletion or deidentification is possible.
If you ever decide to stop using our marketplaces, you may ask us to delete your information (see Your Choices and Controls to learn more).
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we have implemented technical and organizational security measures that are designed to help protect your information from unauthorized access, disclosure, use, and modification. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your information, and we aggregate, de-identify, anonymize, or expunge data when it is no longer necessary to provide services to our users or substantiate records for an advertiser. From time-to-time, we review our security procedures to consider appropriate new technologies and methods.
Even so, despite our efforts, no security measures are perfect, impenetrable, or 100% secure. We cannot ensure, and do not warrant or guarantee, that the information you transmit to us will remain secure, nor do we guarantee that this information will not be accessed, disclosed, altered, destroyed or used in an unauthorized manner. These are the risks of being online and conducting business online.
Of course, if we learn of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. We may also post a notice on our services if a security breach occurs. Depending on where you live, you may have a legal right to receive a notice of a security breach in writing. If you have any questions about the security of your information, please Contact Us.
Many devices and browsers give you the option to manage and/or disable cookies and other online tracking technologies. To opt-out of the use of these technologies, you may change your browser options to stop accepting cookies or to prompt you before accepting cookies. To assist you, we compiled directions for some commonly used browsers and devices in the table below. Keep in mind that not all devices and browsers are the same so the methods described below may not work for your browser, browser version, or device and may change at any time. We encourage you to refer to the relevant instructions for your particular device or browser.
Before you dive in, please note, if you opt out of the collection and use of information via cookies and other technologies, you may still see customized advertising displayed by advertising networks from which you have not opted out. In addition, your opt-out will not prevent any advertising network from displaying advertising that is not customized to you and your interests and, consequently, may be less relevant to you. You will need to make such choices on each browser and device you may use to visit our websites and web forms.
To manage or make choices about the personal information (as known as personal data) we have about you, review Your Choices and Controls. If you are a resident of California, Nevada, Colorado, Connecticut, Utah, Virginia, or a citizen of a European Economic Area (EEA) Member State, review the applicable sections below to learn more about your privacy rights. If you are a parent or legal guardian or a representative, review the sections identified below to learn more about how you may exercise rights on behalf of your child or another person.
When we use the term “personal information” (also known as personal data) in this Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual or household. It does not include aggregated, anonymized, or de-identified information (subject to applicable laws, rules, or regulations) that is maintained in a form that is not capable of being associated with or reasonably linked to an individual.
We want you to be able to make the privacy choices that are right for you. Below and in our Privacy Center, we provide you with information and tools to help you manage the information we have about you. Keep in mind that each option made available to you is subject to applicable legal limitations. Additionally, because your privacy is important to us, we will ask you to verify your identity/request or provide additional information before we let you exercise your choices over the information we have about you. We may also reject your request for several reasons, including, by way of example only, if the request risks the privacy of other persons or is unlawful.
You have the following options available to you to manage the information we collect from you and have about you:
If you have any questions or need assistance, you may contact us by sending a message through our Privacy Center (select "Contact Us" in the dropdown menu of the submission form), email us at DPO@mediaalpha.com, or call us at 1-833-549-0351.
If you have any questions, concerns, or suggestions about our Policy, you may contact us by sending a message through the MediaAlpha Privacy Center (select “Contact Us” in the dropdown menu of the submission form) or by mail at:
700 S. Flower St., Suite 640
Los Angeles, CA 90017