Privacy Policy

Effective: January 01, 2023

This website is owned and operated by Danky Panky, LLC. Danky Panky, LLC and its subsidiaries (collectively “Danky Panky”, “DP”, “Company”, “we”, “us”, “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 www.betterplan.app and all websites and mobile apps owned and operated by Danky Panky 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” or “Solutions”) as well as Danky Panky affiliates.

Data Collection and Usage Practices

We facilitate the process of shopping for insurance, discounted health plans, and other products by connecting consumers with insurance companies, insurance agents, discount program representatives, and other third-party providers ("Providers").

When you submit information to our Services, we may collect personally identifiable information ("personal information" or "information") that can identify you as an individual. This information includes, but is not limited to, your first and last name, home address, telephone number, email address, date of birth, gender, income, and driver's license information. Additionally, we may collect details about your driving history, the type of vehicle you drive, home ownership history, and certain medical information such as health conditions, prescription medications, hospitalization history, and treatment for major health conditions.

The personally identifiable information we gather is used for various purposes. These include delivering our products and services to you, including matching you with Providers, displaying customized content and advertising, conducting research and analysis, ensuring the proper functioning of the Services, aiding in the development of new services, providing updates and special offers, responding to your requests for information, sending newsletters, obtaining additional necessary information, and providing you with quotes from Providers who may contact you using the information you provide.

Additionally, we may automatically collect certain information when you visit our Services, such as internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date and time of visit, Internet tags, device type, clickstream data, and other activities on the Website. This automatically collected information may be combined with other information we have about you to improve the services we offer, enhance marketing efforts, analyze trends, administer the site, track user movements, gather demographic information, and improve overall Website functionality. Technologies such as cookies, beacons, tags, and scripts may be used by us, our marketing partners, affiliates, analytics, and service providers to collect this data. You have the option to set your browser to reject cookies, but please note that this may limit your access to certain features or areas of our site. We may also aggregate information received from you and other users, and such aggregated information may be disclosed to third parties. (Please refer to the Advertising & Analytics section for more information on the use of this data.)

Information Transfer and Sharing with Third Parties

We take your privacy seriously and strive to protect your Personal Information. However, there are certain circumstances where we may need to disclose your Personal Information to third parties. These circumstances include:
  1. Third-Party Contractors: We may engage third-party contractors to provide various services on our behalf, such as data analysis, service operation, support and maintenance, marketing support, and customer service. These contractors are bound by confidentiality obligations and are only given access to your Personal Information to the extent necessary to perform their services for us.
  2. Insurance Carriers and Providers: In order to facilitate your expressed interest in insurance products, we may share your Personal Information with insurance carriers and other providers. This enables them to provide you with the necessary information and services related to their products.
  3. Compliance with Legal Obligations: We may disclose your Personal Information if required by law or in response to a subpoena or other legal request. We also cooperate with regulators, law enforcement agencies, and other public authorities when we reasonably believe it is necessary to comply with applicable laws or fulfill their reasonable requests.
  4. Safety and Protection: We may disclose your Personal Information to protect the safety, rights, or property of ourselves or others. This includes taking necessary actions to prevent or address any potential harm or illegal activities.
  5. Fraud Prevention and Security: In order to investigate and prevent fraud, as well as to safeguard the security and integrity of our Sites, products, or services, we may disclose your Personal Information as necessary.
  6. Company Merger, Sale, or Bankruptcy: In the event that our company undergoes a merger, sale, or bankruptcy, any information we have received from you through this website may be considered as an asset of the company. As such, it may be transferred to the fullest extent permitted by law to the acquiring or merging entity or used for purposes related to the bankruptcy proceedings. Rest assured that any such transfer or use of your information will be in compliance with applicable privacy laws and regulations to safeguard your rights and privacy.
  7. Web Tracking Information: To analyze the performance of our services and understand user behavior, we may disclose web tracking information to contractors. These contractors play a vital role in operating and enhancing our services. The web tracking information shared with contractors may be in aggregated form or in conjunction with your personal information, aiming to improve the overall user experience of our services. Rest assured that such sharing is done with utmost care and in compliance with applicable privacy regulations.
    Please note that the contractors involved are bound by confidentiality obligations and are prohibited from using the information for any other purposes than those specified by us.
Rest assured that we take appropriate measures to ensure the confidentiality and security of your Personal Information in all these situations.

Your Consent to Marketing Text Message and Phone calls

By calling our phone numbers or providing your telephone number to our services, you are explicitly giving consent to us, our Providers, and their agents and partner companies to contact you using the telephone number you called from or provided. This includes receiving informational and marketing messages and telephone calls, even if they are sent using automated telephone dialing systems, text messages, SMS, MMS, picture messages, live and prerecorded telephone calls. These communications may be directed to both landlines and wireless numbers, regardless of whether your phone number is listed on a corporate, state, or national Do Not Call list. Please note that your consent is not a requirement for purchasing goods or services.
Message and data rates may apply.

Opt-Outs

By providing us with your information, you agree to receive various forms of communications, including email, fax, telephone, text messages, and other types of communication, from us and third parties with whom we share your personally identifiable information. These communications may include promotional or marketing material. If you wish to opt-out of receiving such communications from us in the future, please follow the opt-out instructions provided at the bottom of each promotional or marketing email you receive.

It's important to note that opting out of marketing messages does not necessarily mean you will no longer receive transaction-related messages or communications regarding comments or inquiries you have made to us.

Advertising & Analytics

We utilize services offered by various companies, including Google and Facebook, that employ tracking technology to gather information about your browsing activities, interactions with websites, and the device you use to access the Internet. These services rely on technologies such as cookies and web beacons. If you prefer to opt out of having your online activity and device data collected through these services, we have outlined below some methods to do so:

Browser cookies and how to block them: You have the option to block or reject cookies, including those used for interest-based advertising, through your browser settings. Each browser provides instructions on how to do this. It's important to note that most browsers accept cookies by default until you modify your settings. For detailed information about cookies, including how to view and manage the cookies stored on your device, as well as how to delete them, you can visit https://allaboutcookies.org/.

Blocking advertising ID use in your mobile settings: Your mobile device settings may offer features that allow you to restrict the use of the advertising ID associated with your device for interest-based advertising purposes. By enabling this option, you can limit the collection of data used to personalize ads based on your interests. Consult your device's settings or user manual for instructions on how to access and modify these privacy settings.

Using privacy plug-ins or browsers: Enhance your online privacy by utilizing specialized privacy plug-ins or browsers. Options like Brave, Privacy Badger, Ghostery, or uBlock Origin can be installed on your browser and configured to block third-party cookies and trackers. These tools provide an extra layer of protection, allowing you to prevent our websites from setting cookies used for interest-based advertising. Choose the plug-in or browser that suits your needs and follow the instructions provided to maximize your privacy while browsing.

Platform opt-outs: Several advertising partners provide opt-out features that allow you to exercise control over the use of your information for interest-based advertising. These opt-out options empower you to manage your privacy preferences across different platforms. Here are some advertising partners that offer such opt-out features:

Google: https://adssettings.google.com

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

Twitter: https://twitter.com/personalization

Tik Tok: https://ads.tiktok.com/marketing_api/docs?rid=pywkyi6r9g&id=1688307494867970

By utilizing these platform opt-outs, you can customize your online experience and limit the use of your information for targeted advertising purposes.

Advertising industry opt-out tools: In addition to platform opt-outs, you have the option to utilize advertising industry opt-out tools provided by participating companies. These tools enable you to limit the use of your information for interest-based advertising. Here are two widely recognized opt-out options:

Digital Advertising Alliance (DAA): You can visit the DAA's opt-out page at https://optout.aboutads.info/?c=2&lang=EN to exercise your choice regarding interest-based advertising.

Network Advertising Initiative (NAI): The NAI offers an opt-out tool at http://optout.networkadvertising.org/?c=1, which allows you to manage your preferences and opt out of targeted advertising by participating companies.

Please note that these opt-out mechanisms are specific to the browser and device you use. To ensure your preferences are applied across all browsers and devices, you may need to opt out on each individual browser and device you utilize.

Changes to this Policy

We have 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 or using our services from Outside the United States

Our Services are offered and operated within the United States, and as such, they are subject to the laws of the United States. We do not make any claims or representations regarding the applicability or compliance of our Sites with the laws of any other country or jurisdiction.

Children

Our Services are designed for individuals who are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected personal information from a person under 18 without parental consent, we will promptly delete the information from our records.

Notice to California and Virginia Residents

We are providing this CCPA / VCDPA Notice in accordance with the California Consumer Privacy Act of 2018 ("CCPA") and The Virginia Consumer Data Protection Act (VCDPA) to inform California and Virginia residents about how we collect, use, and share their personal information, as well as the rights and choices available to them regarding their personal information.

CCPA and VCDPA Scope and Exclusions: This CCPA and VCDPA Notice, along with the description of our Privacy Practices and your Privacy Rights, applies specifically to California and Virginia residents who interact with us in the following limited ways: Under the CCPA and the VCDPA, individuals have the following rights:

Information: You have the right to request information about how we have collected, used, and shared your Personal Information over the past 12 months. Please submit your request at [email protected], and we will process it accordingly.

Access: You have the right to request a copy of the personal information that we have collected and maintain about you. Please submit your request at [email protected], and we will process it accordingly.

Deletion: You can ask us to delete the personal information that we have collected or maintain about you. Please submit your request at [email protected], and we will process it accordingly.

It's important to note that the CCPA includes limitations on these rights. For example, certain sensitive information may be exempt from disclosure in response to an access request, and there are specific circumstances in which we may not be required to comply with a deletion request. We will make reasonable efforts to associate the information we maintain with the identifying details you provide in your request. If your request is denied, we will explain our decision. You have the right to exercise these rights without facing any discriminatory treatment.

Categories of Information Collected, Disclosed or Sold in the Past 12 Months
The table below provides disclosure of the categories of Personal Information we have collected in the past 12 months, starting from the effective date of this Privacy Policy. For each category of Personal Information, the table indicates:

Category of Personal Information Collected Sold or Disclosed?
Identifiers, including your name, name, IP address, email address, phone, address Not Sold or Disclosed
Customer records information, including signature, bank account number, address Not Sold or Disclosed
Characteristics of Protected Classifications Not Sold or Disclosed
Commercial Information, including records of services that you have purchased in the past Not Sold or Disclosed
Internet or Other Network Activity Information, including information about how you interact with our website Not Sold or Disclosed
Geolocation Data Not Sold or Disclosed
Professional or Employment-Related Information, including your job title and organizational affiliation Not Sold or Disclosed

Notice to Nevada Residents

If you are a resident of Nevada, you have the right to request that we do not sell your personal information. Please submit your request at [email protected], and we will process it accordingly. We strive to respond to consumer requests within 60 days of receiving them.

Contact Us

If you have any questions or concerns regarding our privacy practices, please contact us at [email protected]. We are here to address any inquiries you may have.

We may periodically update or revise this Privacy Statement. The date at the top of this page shows when this Privacy Statement was last revised.

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