Privacy Policy

White Mountain Financial (WMF) is committed to protecting your privacy. We collect personal information to help you find, apply, and determine eligibility for insurance and financial products, including both public and private products. We do not sell, trade, or give away your personal information to any unauthorized parties. "Personal information" refers to identifying information of an individual, such as name, phone number, address, date of birth, email address, Social Security number, etc. We use industry-leading technologies to ensure that your personal information is protected. This WMF Privacy Policy describes the information privacy practices for this website.

1.  The personal information that we collect is used only for authorized purposes.

2.  Your personal information is not disclosed to unauthorized third parties, and may be disclosed in the following authorized situations.

• To the company whose plan you select or authorize us to pre-select for you, to licensed agents/brokers that help you shop for a plan, to state and federal government (as required by law and specified below), or to administrators for WMF business purposes.
• To Authorized Service Providers. We may disclose your personal information to our authorized service providers (e.g., exchange, carrier, and company representatives) to help us process or service your application, correspond with you, or process appeals. Such authorized service providers are contractually obligated to maintain confidentiality of personal information received through WMF.
• Legal Obligations. We may disclose your personal information when the disclosure is permitted or required by law. Outside of these exceptions, we will not share your personal information with any third parties.

3.  We collect personal information in the normal course of business in order to process your application and to serve you better.

• Registering With Us. We collect personal information when you register with us for the first time. We require your email address to create an account so that we can communicate via email. You may also register with us through a secure web portal by providing certain personal or contact information (e.g., email address, phone number, date of birth, etc.). These web portals and representatives are authorized to handle your personal information.
• Applying for insurance and other products. When you apply for insurance or other products through our website, we may ask you to provide us with you or your family’s personal information to be included with your application. This information will be used by your chosen company to process your application.
• Processing your application and providing you with a quote. We may use your personal information to contact you when it is necessary to process your application or to provide you with a quote.
• Customer satisfaction, referrals, and other products. We may contact you to conduct a satisfaction survey to improve the quality of our services or to inform you of renewals. You may opt out of receiving certain types of communications by following the opt-out procedures listed below.

Please note that you will still receive communications from us regarding your quote, application renewal, or policy/plan changes even if you opt out of receiving our surveys or notices of additional products and services. The federal government may contact you to conduct a satisfaction survey regarding your experience with WMF even if you elect to opt out of receiving certain communications from us.

4.  We gather anonymous information that may be shared with third parties.

• Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular region.
• We may use anonymous information to improve the services we offer.
• We may use "Cookies," "Clear Gifs," and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.

5.  We protect the confidentiality and security of your personal information.

• We maintain physical, electronic, and procedural safeguards to protect your personal information. For additional details of the electronic safeguards within WMF, please see below.

6.  We continue to evaluate our efforts to protect your personal information.

• When your personally identifiable information changes, you should update your contact information with WMF. 
• We will retain your information as necessary to comply with federal requirements. Any information you provide in an application that is not submitted will be deleted after 90 days. Information you provide for health insurance in an exchange or Marketplace will be submitted to CMS (a federal agency) and will be maintained in a federal System of Records. Per federal regulations, WMF is required to preserve all data recorded in accounts and/or in a submitted application for a period of no less than 10 years.

7.  We will provide notice of changes in our information privacy practices. A notice will be posted on WMF and all printed materials will be updated to include the new privacy practice information.

8.  You will be notified via email if your personal information is to be used in a different manner than stated at the time of collection, and you will have a choice to opt out.

9.  We are available to answer any questions you may have about our privacy policy or our information privacy practices (contact us). 

Our website uses cookies to make your online experience more convenient

"Cookies" and "Clear Gifs" "Cookies" are small files that are stored by your web browser to help a particular system recognize the pages you have recently visited through WMF. For example, we may use cookies to store your account information between sessions or to maintain information about the quotes you’ve requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate WMF. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without cookies being enabled, you can still use most of the features on WMF, including obtaining quotes and applying for insurance or other products. "Clear gifs" are tiny graphics with a unique identifier, similar in function to cookies that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies. We do not collect any personal information from clear gifs, and no information we collect from clear gifs can be linked back to your personal information.

We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer WMF, analyze trends, improve the performance of WMF, and report website traffic. These web analytics services use cookies, clear gifs, log files and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally identifiable information from website visitors.

This website may contain links to other websites. Please note that when you click on one of these links you are transferring to another website. WMF is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

Marketplace and our Third-Party Platform

We use a third-party platform for Marketplace coverage compliant with all applicable federal laws, 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 display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

Email Subscriptions

In order to manage WMF email subscription lists, we retain the names and email address of our email subscribers, as well as other information they may have shared with us (e.g., addresses and phone numbers). We also retain logs of emails we send and automatically generated email data used to improve our email communications. This automatically generated email data includes:

• Whether the email was opened
• If a link in the message was clicked
• Whether an email was delivered If, at any time, you wish to stop receiving emails from us, simply click on the “Unsubscribe” link provided at the bottom of each email message or reply with such notification.