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Privacy Policy

Effective as of Oct 1, 2024.

This Privacy Policy describes how Catch Financial, L.L.C. and our subsidiaries and affiliates, including Catch Insurance, LLC (“Catch,” “we”, “us” or “our”) process personal information that we collect through our digital or online properties or services that link to this Privacy Policy (including as applicable, our website, social media pages, marketing activities, and other activities described in this Privacy Policy (collectively, the “Service”)).

Catch is also an Enhanced Direct Enrollment ("EDE”) entity in partnership with the Centers for Medicare & Medicaid Services (“CMS”) Affordable Care Act Health Insurance Marketplace program. As an EDE entity, Catch can help you shop for the insurance coverage that suits you and your family best and allows you to submit your health insurance application information directly through Catch’s website and receive an eligibility determination, without the need to be redirected to HealthCare.gov. This Privacy Policy serves as the Privacy Notice Statement that an EDE entity must provide consumers that shop, apply, and enroll, in a Qualified Health Plan through the Federally-facilitate Exchange (“FFE”) and State-based Exchanges using the Federal Platform (“SBE-FP”), that is specified in our agreement with CMS.

Information we collect from users who have signed up for a Catch Money account with us is also subject to our GLBA Notice, available here. To the extent this Privacy Policy conflicts with our GLBA Notice, our GLBA Notice shall apply.

Index

  • Personal information we collect

  • How we use your personal information

  • How we share your personal information

  • Your choices

  • Other sites and services

  • Security

  • International data transfers

  • Children

  • Changes to this Privacy Policy

  • How to contact us

  • California Shine the Light notice

Personal information we collect

Information you provide to us. Personal information you may provide to us through the Service or otherwise includes:

  • Contact data, such as your first and last name, email address, billing and mailing addresses, professional title and company name, and phone number.

  • Demographic data, such as your city, state, country of residence, postal code, and age.

  • Account data, such as the username and password that you may set to establish an online account on the Service, date of birth, biographical details, photograph or picture, links to your profiles on social networks, interests, insurance-related preferences, and any other information that you add to your account profile.

Bank Account application data that you may provide when you apply for Catch Money Account, such as Contact data, Demographic data, Government-issued identification number data, legal presence in the U.S., Financial data, employment data, bank transactional data, and any other details you may provide to complete the relevant account application.

  • Health insurance explorer data that you may provide as you are exploring health insurance plans (i.e., pre-application), such as Contact data, Demographic data, and information related to which types of providers or prescriptions you want your health insurance plan to cover.

  • Health insurance application data that you may provide when you apply for health insurance (e.g., when applying for a Qualified Health Plan through the Health Insurance Marketplace program), such as Contact data, Demographic data, Government-issued identification number data, legal presence in the U.S., Financial data, employment data, other information related to your access to affordable health insurance coverage from other sources (e.g., your employer or other government funded programs), certain health-related information, and any other details you may provide to complete the relevant insurance application.

  • Communications data based on our exchanges with you, including when you contact us through the Service, communicate with us via chat features, telephone calls (including through our support or contact center), social media, or otherwise.

  • Marketing data, such as your preferences for receiving our marketing communications and details about your engagement with them.

  • Relationship and household data, such as household size, number of family members requiring coverage, and any other familial or relationship to third parties whose personal information you may provide to us.

  • Financial data, such as your stated income, source(s) of income, payment cadence, economic standing, financial goals, financial account numbers or payment card information.

  • Government-issued identification number data, such as national identification number (e.g., Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card.

  • Other data not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Third-party sources. We may combine personal information we receive from you with personal information we obtain from other sources, such as:

  • Public sources, such as public records, social media platforms, and other publicly available sources.

  • Private sources, such as data providers, insurance carriers, banks or other financial institutions, social media platforms and data licensors.

  • Government agencies, such as the FDIC or other federal banking enforcement agencies, CMS, a Health Insurance Marketplace program, and state Medicaid programs.

  • Marketing partners, such as joint marketing partners and event co-sponsors.

Automatic data collection. We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, our communications and other online services, such as:

  • Device data, such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area.

  • Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access, and whether you have opened our emails or clicked links within them.

  • Communication interaction data such as your interactions with our email, text or other communications (e.g., whether you open and/or forward emails) – we may do this through use of pixel tags (which are also known as clear GIFs), which may be embedded invisibly in our emails.

Cookies and similar technologies. Some of the automatic collection described above is facilitated by the following technologies:

  • Cookies, which are small text files that websites store on user devices and that allow web servers to document users’ web browsing activities and remember their submissions, preferences, and login status as they navigate a site. Cookies used on our sites may include “session cookies” that are deleted when a session ends, “persistent cookies” that remain longer, “first party” cookies that we place and “third party” cookies that our third-party business partners and service providers place.

  • Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications.

  • Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

  • Session-replay technologies, such as those provided by LogRocket that employ software code to record users’ interactions with the Services in a manner that allows us to watch video replays of those user sessions. The replays include users’ clicks, web app touches, mouse movements, scrolls and keystrokes/key touches during those sessions. These replays help us diagnose usability problems and identify areas for improvement. You can learn more about LogRocket at https://logrocket.com/privacy.

  • Chat technologies, such as those provided by Intercom that employ cookies and software code to operate the chat features that you can use to communicate with us through the Service. Intercom and other third parties may access and use information about webpages visited on our website, your IP address, your general geographic information (e.g., city, state), and other personal information you share through online chats for the purposes described in this Privacy Policy.

Data about others. When you provide us with personal information about other members of your household to complete an application for health insurance coverage, you represent that you have permission from all of the people whose information included on the application to: (1) submit their information to the Health Insurance Marketplace, and (2) to receive any communications about their eligibility and enrollment.

We may also offer features that help users invite their friends or contacts to use the Service, and we may collect contact details about these invitees so we can deliver their invitations. Please do not refer someone to us or share their contact details with us unless you have their permission to do so.

How we use your personal information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery and operations. We may use your personal information to:

  • provide, operate and improve the Service, our other products and services, and our business;

  • personalize the Service, including remembering the devices from which you have previously logged in and remembering your selections and preferences as you navigate the Service;

  • establish and maintain your user account on the Service;

  • enable security features of the Service, such as by sending you security codes via email or SMS, and remembering devices from which you have previously logged in;

  • communicate with you about the Service and our other products and services, including by sending related announcements, updates, security alerts, and support and administrative messages;

  • communicate with you about events or contests in which you participate;

  • understand your needs and interests, and personalize your experience with the Service and our communications; and

  • provide support for the Service and our other products and services, and respond to your requests, questions and feedback.

Research and development. We may use your personal information for research and development purposes and training and quality assurance purposes, including to analyze and improve the Service, our other products and services, and our business and to develop new products and services. As part of these activities, we may create aggregated, de-identified and/or anonymized data from personal information we collect. We make personal information into de-identified or anonymized data by removing information that makes the data personally identifiable to you. We may use this aggregated, de-identified or otherwise anonymized data and share it with third parties for our lawful business purposes, including to analyze and improve the Service and our other products and services and promote our business.

Marketing and advertising. We, our service providers and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes:

  • Direct marketing. We may send you direct marketing communications and may personalize these messages based on your needs and interests. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.

  • Interest-based advertising. Our third-party advertising partners may use cookies and similar technologies to collect information about your interaction (including the data described in the automatic data collection section above) with the Service, our communications and other online services over time, and use that information to serve online ads that they think will interest you. This is called interest-based advertising. We may also share information about our users with these companies to facilitate interest-based advertising to those or similar users on other online platforms.

Service improvement and analytics. We may use your personal information to analyze your usage of the Service, improve the Service and our other products and services, improve the rest of our business, help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails, and to develop new products and services.

Compliance and protection. We may use your personal information to:

  • comply with applicable laws (including, without limitation, Know Your Customer (KYC), anti-money laundering, and sanctions laws), lawful requests, and legal process, such as to respond to subpoenas, investigations or requests from government authorities;

  • protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

  • audit our internal processes for compliance with legal and contractual requirements or our internal policies;

  • enforce the terms and conditions that govern the Service; and

  • prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft (including, without limitation, for identity verification purposes).

With your consent. In some cases, we may specifically ask for your consent to collect, use or share your personal information, such as when required by law. For example, we will give you the opportunity to consent in order for us to offer you other services when we collect your personal information for a Qualified Health Plan through our EDE process.

Cookies and similar technologies. In addition to the other uses included in this section, we may use the Cookies and similar technologies described above for the following purposes:

  • Technical operation. To allow the technical operation of the Service, such as by remembering your selections and preferences as you navigate the site, and whether you are logged in when you visit password protected areas of the Service.

  • Functionality. To enhance the performance and functionality of our services.

  • Advertising. To help our third-party advertising partners collect information about how you use the Service and other online services over time, which they use to show you ads on other online services they believe will interest you and measure how the ads perform.

  • Analytics. To help us understand user activity on the Service, including which pages are most and least visited and how visitors move around the Service, as well as user interactions with our emails. For example, we use Google Analytics for this purpose. You can learn more about Google Analytics and how to prevent the use of Google Analytics relating to your use of our sites here: https://tools.google.com/dlpage/gaoptout?hl=en.

How we share your personal information

We may share your personal information with the following parties and as otherwise described in this Privacy Policy, in other applicable notices, or at the time of collection.

Affiliates. Our corporate parent, subsidiaries, and affiliates.

Service providers. Third parties that provide services on our behalf or help us operate the Service or our business (such as hosting, information technology, customer support, online chat functionality providers, email delivery, marketing, consumer research and website analytics).

Advertising partners. Third-party advertising companies for the interest-based advertising purposes described above.

Insurance partners or government agencies. We may share your personal information, on your behalf, with the relevant insurance partner or government agency in order to submit your application(s) for the insurance plan(s) that you choose, in order to establish your eligibility for insurance subsidies, or manage your enrollment.

Business and marketing partners. Third parties with whom we co-sponsor events or promotions, with whom we jointly offer products or services, or whose products or services may be of interest to you.

Professional advisors. Professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.

Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the Compliance and protection purposes described above.

Business transferees. We may disclose personal information in the context of actual or prospective business transactions (e.g., investments in Catch, financing of Catch, public stock offerings, or the sale, transfer or merger of all or part of our business, assets or shares), for example, we may need to share certain personal information with prospective counterparties and their advisers. We may also disclose your personal information to an acquirer, successor, or assignee of Catch as part of any merger, acquisition, sale of assets, or similar transaction, and/or in the event of an insolvency, bankruptcy, or receivership in which personal information is transferred to one or more third parties as one of our business assets.

Banking and financial partners. If you utilize the Catch Money Services, you may need to link a bank account and/or establish a deposit account. Accordingly, by utilizing such feature, you understand we may share your personal information with our applicable financial partner, such as Plaid Inc. and TransPecos Banks, SSB. These parties may use your personal information in accordance with their respective privacy policies, available at https://plaid.com/legal/#end-user-privacy-policy and https://www.transpecos.bank/privacy.

Your choices

Access or update your information. If you have registered for an account with us through the Service, you may review and update certain account information by logging into the account.

Opt-out of communications. You may opt-out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email, or by contacting us. Please note that if you choose to opt-out of marketing-related emails, you may continue to receive service-related and other non-marketing emails.

Cookies. Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, the Service may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org. You can also configure your device to prevent images from loading to prevent web beacons from functioning.

Blocking images/clear gifs: Most browsers and devices allow you to configure your device to prevent images from loading. To do this, follow the instructions in your particular browser or device settings.

Advertising choices. You may be able to limit use of your information for interest-based advertising through the following settings/options/tools:

  • Browser settings. Changing your internet web browser settings to block third-party cookies.

  • Privacy browsers/plug-ins. Using privacy browsers and/or ad-blocking browser plug-ins that let you block tracking technologies.

  • Platform settings. Google and Facebook offer opt-out features that let you opt-out of use of your information for interest-based advertising. You may be able to exercise that option at the following websites:

    - Google: [https://adssettings.google.com/ ](https://www.facebook.com/about/ads )

- Facebook: [https://www.facebook.com/about/ads](https://www.facebook.com/about/ads )

  • Ad industry tools. Opting out of interest-based ads from companies that participate in the following industry opt-out programs:

    - Network Advertising Initiative: [http://www.networkadvertising.org/managing/opt_out.asp](http://www.networkadvertising.org/managing/opt_out.asp ) 

- Digital Advertising Alliance: [optout.aboutads.info](optout.aboutads.info)

- AppChoices mobile app, available at [https://www.youradchoices.com/appchoices](https://www.youradchoices.com/appchoices), which will allow you to opt-out of interest-based ads in mobile apps served by participating members of the Digital Advertising Alliance.

  • Mobile settings. Using your mobile device settings to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.

You will need to apply these opt-out settings on each device and browser from which you wish to limit the use of your information for interest-based advertising purposes.

We cannot offer any assurances as to whether the companies we work with participate in the opt-out programs described above.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.

Declining to provide information. We need to collect personal information to provide certain services. If you do not provide the information we identify as required or mandatory, we may not be able to provide those services.

Delete your content or close your account. You can choose to delete certain personal information through your account. If you wish to request to close your account, please contact us. However, we may be required by law to maintain certain of your data for a period of time.

Other sites and services

The Service may contain links to websites, mobile applications, and other online services operated by third parties (such as a relevant insurance provider’s website or payment platform). In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites, mobile applications or online services operated by third parties, and we are not responsible for their actions. We encourage you to read the privacy policies of the other websites, mobile applications and online services you use.

Security

We employ a number of technical, organizational and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies and we cannot guarantee the security of your personal information.

International data transfer

We are headquartered in the United States and may use service providers that operate in other countries. Your personal information may be transferred to the United States or other locations where privacy laws may not be as protective as those in your state, province, or country.

Children

The Service is not intended for use by anyone under 18 years of age, nor to solicit information of any kind from children under age 18. If you are a parent or guardian of a child from whom you believe we have collected personal information in a manner prohibited by law, please contact us. If we learn that we have collected personal information through the Service from a child without the consent of the child’s parent or guardian as required by law, we will comply with applicable legal requirements to delete the information.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service or other appropriate means. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your use of the Service after the effective date of any modified Privacy Policy indicates your acknowledging that the modified Privacy Policy applies to your interactions with the Service and our business.

How to contact us

  • Email: help@catch.co

  • Mail: 45 Rockefeller Plz Fl 8, New York, NY 10111

  • Phone: 833-309-0500

Get in touch

Catch Support is available from 9am to 6pm ET, Monday through Friday excluding federal holidays.

help@catch.co
833-309-0500 (TTY 711)
© 2024 Catch
This website is operated by Catch Financial, LLC. (“Catch”); Catch Money, LLC (“Catch Money”); and Catch Insurance, LLC (“Catch Insurance”). See licenses.
Banking
Catch Money is a financial technology company and is not a bank. Banking services provided by TransPecos Banks, SSB, Member FDIC. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.
Health Insurance
Attention: This website is operated by Catch Insurance and is not the Health Insurance Marketplace® website. In offering this website, Catch Insurance is required to comply with all applicable federal law, including the standards established under 45 CFR §§155.220(c) and (d) and standards established under 45 CFR §155.260 to protect the privacy and security of personally identifiable information. This website may not support enrollment in all Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace® website. For enrollment support in all available QHP options in your state, go to the Health Insurance Marketplace® website at HealthCare.gov.