Privacy Policy

Last Updated: effective date

legal entity name, doing business as Oinkbound ("Oinkbound," "we," "our," or "us"), respects the privacy of the people who use our websites and services. This Privacy Policy explains what personal information we collect, how we use it, who we disclose and sell it to, and the choices you have. It covers personal information we collect:

on this website, Oinkbound domain, and on every consumer website we own or operate that links to this Privacy Policy, including pickhealthadvisor.com (Pick Health Advisor) (together, the "Sites");
on phone calls with us, including calls answered or placed by our AI voice agent;
from licensed insurance agents and other business contacts who work with us or create an account with us; and
in our other business dealings, online or offline.

Together we call these our "Services." Throughout this Privacy Policy, "personal information" means information that identifies you, relates to you, or could reasonably be linked to you, directly or indirectly.

The most important thing to know is how we make our living. Oinkbound is a lead generator: when you submit a request on one of our Sites, we sell that request to one licensed insurance agent, who pays us for it and then contacts you about health insurance. We sell each request to one agent only, not to a list of agencies. We are not an insurance company, and we do not sell insurance ourselves.

Residents of some states have additional rights, explained in our State Privacy Notice and our Consumer Health Data Privacy Policy. To ask us not to sell your information, or to make any other privacy request, see Your Privacy Choices.

Personal Information We Collect

We collect personal information in three ways: (1) from you, when you fill in a form, call us or write to us; (2) automatically, when your browser or device connects to our Sites; and (3) in limited cases, from other people and businesses. The details are below.

Information you give us

When you use our Sites or talk to us, you may give us the following categories of personal information:

Contact information, such as your first and last name, email address, phone number, and ZIP code.
Details of your coverage request, such as your date of birth, gender, household size, household income range, employment status, the kind of coverage you are looking for, and when you want coverage to begin. Some Sites also ask whether you have used tobacco in the past six months, a standard insurance rating question. We do not ask that question of residents of Washington, Nevada or Connecticut (see our Consumer Health Data Privacy Policy).
Optional coverage preferences you choose to give after you submit a request, such as yes-or-no answers to whether you have doctors you want in a plan's network, prescriptions you want covered, or another household member who needs coverage. We do not ask which doctor or medicine, or about any condition, diagnosis or treatment. We do not show these questions to residents of Washington, Nevada or Connecticut.
Your consent record, meaning the exact wording of the consent shown next to the button you clicked, the words on that button, the phone number the consent covers, the page you were on, and the date and time.
Correspondence and call recordings, including emails you send us, and recordings and transcripts of phone calls with us, including calls with our AI voice agent. Every call we record begins with a notice that it is being recorded.
Preferences, such as your preferred language, and any request you make to stop calls or emails.
Anything else you choose to tell us, for example in a message to our support address.

We never ask for your Social Security number, bank account or card details, insurance policy or member numbers, or your medical history on our Sites. Please do not send them to us. If an insurance company later needs medical or financial information, the licensed agent collects it directly from you.

If you give us information about another person, for example a household member who needs coverage, you must have their permission to do so.

You must be 18 or older to submit a request on our Sites.

Information collected automatically

When you visit our Sites, the companies that host them receive the technical details that every web request carries, such as your IP address, browser type and version, device and operating system, the page you asked for, the page that referred you, and the date and time. Those details are kept in the hosting provider's server logs. We use them to run, secure and troubleshoot the Sites. We do not use your IP address to work out where you are: when a Site needs your state, it takes it from the ZIP code you type.

Our Sites store some information in your own browser's local storage, not in cookies, so they work properly. This includes your language and display settings, your answers while you move between questions (so a refresh does not wipe them), and, after you submit, a short receipt that lets you see or cancel your request from the same browser. Unfinished answers are deleted after 7 days, when you submit, or when you start over. This information stays on your device until you submit, and you can clear it at any time in your browser settings.

Analytics. Our Sites do not currently use analytics or tracking tools such as Google Analytics. if an analytics tool is added, name it here, describe what it collects, and link its opt-out before it goes live.

Interest-based advertising. We advertise on social media and search platforms, and many visitors reach our Sites from an ad. Our Sites do not currently run any advertising platform's pixel, tag or measurement tool, so we do not share what you do on our Sites with those platforms for targeted advertising. If that changes, we will update this Privacy Policy and Your Privacy Choices before the tool goes live.

Session recording. Our Sites do not use tools that record your mouse movements, clicks or keystrokes, or replay your visit.

AI voice agents and call recording

When you call a number shown on one of our Sites, an AI voice agent may answer. We may also call you, using an AI voice agent or a live person, to confirm your request and connect you with a licensed agent. An AI voice agent is software that speaks and listens like a person; it is not a person and it is not a licensed insurance agent. It follows a script and can only collect your request, answer basic questions about how our service works, and transfer your call. It cannot quote prices, tell you whether you qualify for a plan, or describe a specific plan's benefits. You can ask to speak with a person at any time.

We record these calls and keep transcripts. We use recordings and transcripts to capture your request accurately, to keep proof of your consent and of any request to stop calling, for quality and training, and to prevent fraud. Please do not share Social Security numbers, payment details or medical history on these calls. Our voice and phone service providers process call audio on our behalf. name the voice and telephony providers in use, for example ElevenLabs for the inbound voice agent.

Information from other sources

Today, almost everything we hold about a consumer comes directly from that consumer. We do not buy consumer lists or data from data brokers or other lead sellers. We may receive limited information from others, such as:

the licensed agent who received your request, who may tell us whether they reached you or that a phone number did not work, for billing and quality purposes;
our service providers, for example a phone provider that tells us a call did not connect; and
advertising platforms, which may tell us which ad you clicked, without identifying you to us.

update this section if Oinkbound ever buys leads, appends data, or receives information from partners.

Information about licensed agents and business contacts

If you are a licensed insurance agent or other business contact, we collect information you give us to work with you, such as your name, agency, business email and phone, National Producer Number (NPN), the states you are licensed in, the products you sell, your account login details, your lead preferences, and records of the requests you bought. We may verify your license information against public records such as the National Insurance Producer Registry. We do not store payment card or bank details on our systems; payments are handled by payment processor, or "invoice". If you appear on a consumer Site as the agent assigned to a request, the information shown there is described in our Agent Terms of Use.

Combining information

We may combine the information you give us with information we collect automatically or receive from the sources above, for example to connect a phone call to the request you submitted online. We treat the combined information under this Privacy Policy.

How We Use Personal Information

We use personal information for these purposes:

Providing the Services, including passing your request to a licensed insurance agent licensed where you live, and being paid for doing so.
Contacting you about your request, including calling you, if we do, to confirm what you need and connect you with that agent.
Keeping proof of consent, including the record that shows you agreed to be contacted and any later request to stop.
Honoring your choices, including stopping calls, removing your number from our lists, and telling the agent who received your request to stop.
Answering your questions and responding to requests you send us.
Working with licensed agents, including setting up and running their accounts, verifying their licenses, delivering requests, billing, and handling disputes about requests.
Improving the Services, for example reviewing call recordings to make our scripts clearer.
Security and fraud prevention, including detecting fake or automated submissions and protecting our systems, our users and agents.
Meeting legal obligations, including responding to lawful requests from government authorities and keeping records the law requires.
Running our business, including accounting, audits, and any sale, merger or reorganization of our business.

We may also use personal information in other ways we describe to you when we collect it, or with your consent.

How We Disclose Personal Information

We disclose personal information to the following recipients:

One licensed insurance agent, who buys your request. When you submit a request, we sell it, meaning your contact information, the details of your request, any optional coverage preferences, and your consent record, to one licensed insurance agent licensed in your state, who uses it to contact you about health insurance. We do not sell the same request to anyone else. Before an agent can buy from us, they must agree in writing to use your request only to contact you about insurance, not to resell or share it, and to follow telemarketing and privacy laws. Attorney review this promise is true only once the lead purchase agreement is signed. Once the agent has your request, their own privacy notice also applies to what they do with it. Ask us and we will tell you the name of the agent who received your request. The current list of agents who may receive requests is on our Participating Agents page.
Service providers that run our Sites and systems on our behalf, such as website hosting, our database, the phone and AI voice systems that place and answer our calls, email delivery, and the scheduling tool an agent may use to book a call with you. They may use your information only to provide their service to us. current vendor list, for example Vercel (hosting) and Supabase (database).
Government authorities and others when the law requires it, for example in response to a subpoena, court order or regulator's request.
A buyer or successor of our business, if Oinkbound or any of its brands is sold, merged, financed or reorganized, or in a bankruptcy. This Privacy Policy will continue to apply to information transferred that way.
Others to protect rights and safety, when we believe disclosure is needed to comply with the law, prevent fraud or other illegal activity, or protect the rights, property or safety of you, us, or others.
Others with your consent or at your direction.

We may also share information that has been de-identified or aggregated so it can no longer reasonably identify you.

What we sell, by category

When you submit a request, we sell these categories of personal information, all to one licensed insurance agent:

Identifiers: name, email address, phone number
Personal characteristics: date of birth and age, gender
Location: ZIP code and state (never your street address or precise location)
Household and financial: household size and household income range
Employment: employment status
Tobacco use in the past six months (not asked in Washington, Nevada or Connecticut)
Your request: the kind of coverage you want and when you want it to begin
Optional coverage preferences, if you give them (not asked in Washington, Nevada or Connecticut)
Your consent record

We do not share personal information for cross-context behavioral advertising.

Your Choices

You decide a lot about what happens to your personal information. We extend the following to everyone, in every state, whether or not your state's law requires it.

Calls and texts. You can withdraw your consent to be called or texted at any time, in any reasonable way: tell the caller, reply STOP to a text, or contact us using the details below. We will stop, add your number to our internal do-not-call list, and tell the agent who received your request to stop too. See Do Not Call. The agent who received your request also keeps their own do-not-call list; you can ask them directly as well. confirm SMS status. Today our Sites do not send text messages.
Marketing email. If we send you marketing email, every message will include an unsubscribe link. You can also email us to unsubscribe. We will still send messages about a request you made, such as a confirmation. confirm whether any Site sends email today.
Sale of your information. Browsing our Sites sells nothing. We sell a request only when you submit it. If you do not want your information sold, do not submit a request. After you submit, you can tell us not to sell or disclose your request any further; we will stop, and tell the agent who received it. See Your Privacy Choices.
Browser storage. You can clear the information our Sites keep in your browser at any time in your browser's settings. Our Sites do not use cookies for tracking or advertising.
Interest-based advertising. Because our Sites run no advertising pixels, there is nothing to turn off on our Sites today. You can still limit interest-based ads on the platforms themselves, through your device's advertising settings, the industry opt-out pages at optout.aboutads.info and optout.networkadvertising.org, and the ad settings inside Meta and Google.
Global Privacy Control. Global Privacy Control (GPC) is a browser setting that asks websites not to sell or share your information. Our Sites do not yet read this signal automatically. Until they do, use Your Privacy Choices to opt out. update when GPC is supported. ATTORNEY REVIEW: California requires honoring GPC.
Access, correct, delete and more. You can ask us what we hold about you and who received it, ask us to correct or delete it, or ask for a copy. We may keep records the law requires us to keep, such as your consent record, and we will tell you what we kept and why. See Your Privacy Choices and our State Privacy Notice.

Information Security

We use administrative, technical and physical safeguards designed to protect personal information from loss and from unauthorized access, use and disclosure. Our Sites use encrypted connections, access to stored requests is limited to the people who need it, and we keep the amount of sensitive information we hold small on purpose. No website, database or transmission is completely secure, so we cannot guarantee the security of your information. Our Security Policy has more detail. If a breach affects your personal information, we will notify you as the law of your state requires.

Information Retention

We keep personal information only as long as we need it for the purposes in this Privacy Policy, including to meet legal, accounting and reporting obligations, unless the law requires or allows us to keep it longer.

Your request: as long as needed to serve you and meet our obligations to you and to the agent who bought it, then deleted. retention period in months.
Consent records and do-not-call requests: at least five years, because they are what proves we were allowed to contact you, or that we stopped when you asked. Attorney review
Call recordings and transcripts: retention period.

To decide how long to keep other information, we consider how much there is and how sensitive it is, the risk of harm from unauthorized use, why we hold it, and what the law requires. Information we de-identify, we keep in de-identified form and do not try to re-identify, except where the law allows.

Third-Party Services

Our Sites link to websites and tools run by others, such as HealthCare.gov, state Medicaid agencies, the National Insurance Producer Registry license lookup, and an agent's scheduling page. When you use them, you give information directly to that company, and its own privacy policy applies, even if you reached it from our Sites. We do not control those companies and encourage you to read their privacy policies.

Children's Privacy

Our Sites and Services are not directed to children. You must be 18 or older to submit a request, and if we learn that information came from someone under 18, we do not keep, sell or share it. If you believe a minor has given us information, contact us and we will delete it promptly.

Services Limited to the United States

Our Services are offered only in the 50 states and the District of Columbia and are intended for people located there. They are not offered in U.S. territories or outside the United States. Not every product or agent is available in every state.

Changes to This Privacy Policy

We may update this Privacy Policy when our practices or the law change. The "Last Updated" date at the top shows when it last changed. If we make a material change, we will say so prominently on this page, and where the law requires it we will notify you or ask for your consent first. We will not use personal information we already hold in a materially different way without telling you first.

How to Contact Us

If you have a question about this Privacy Policy or our privacy practices, or want to make a request, contact us:

Email: privacy email address
Phone: phone number
Mail: legal entity name, Attn: Privacy, mailing address