Privacy Policy

Effective Date: December 12, 2025

IBN360 (“IBN360,” “we,” “us,” or “our”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, submit information, or interact with our services.

IBN360 is a health coverage navigation platform and not a health insurance carrier. All coverage discussions, quotes, and enrollments are handled by licensed specialists.

1. Information We Collect

We collect information to help connect individuals with licensed specialists and to provide clear guidance on health coverage options.

A. Personal Information You Provide

This may include:

  • Full name

  • Email address

  • Phone number

  • State of residence

  • Zip code

  • Household information

  • General health coverage needs or preferences

  • Appointment or inquiry details

We do not require sensitive medical records to use our platform.

B. Automatically Collected Information

When you visit our website, we may collect:

  • IP address

  • Browser type

  • Device type

  • Pages visited

  • Date and time of access

  • Referring URLs

This information is used for analytics, security, and website optimization.

2. How We Use Your Information

We may use your information to:

  • Connect you with licensed health coverage specialists

  • Respond to inquiries or appointment requests

  • Provide information about coverage options

  • Improve website performance and user experience

  • Comply with legal and regulatory obligations

  • Protect against fraud or unauthorized access

We do not sell health insurance and do not make coverage decisions.

3. Sharing of Information

We may share your information only as necessary with:

  • Licensed insurance specialists or agencies who assist with coverage discussions

  • Service providers that support website operations (hosting, analytics, CRM systems)

  • Legal or regulatory authorities when required by law

We do NOT:

  • Sell personal data

  • Sell or rent personal information to third parties

  • Share information for unrelated marketing purposes

4. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights:

Your Rights Include:

  • Right to Know what personal information we collect and how it’s used

  • Right to Access the personal information we hold about you

  • Right to Correct inaccurate personal information

  • Right to Delete personal information (subject to legal exceptions)

  • Right to Opt-Out of the sale or sharing of personal data (IBN360 does not sell data)

  • Right to Non-Discrimination for exercising your privacy rights

How to Exercise Your Rights

You may submit a request by:

We will verify your request and respond within the time required by California law.

5. Sensitive Personal Information

IBN360 does not intentionally collect sensitive personal information such as:

  • Social Security numbers

  • Government-issued IDs

  • Medical records

Any health-related information voluntarily shared is used only to help licensed specialists assess potential coverage options.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

  • Secure servers

  • Restricted access

  • Encrypted communication where applicable

No system is 100% secure, but we take data protection seriously.

7. Data Retention

We retain personal information only as long as necessary to:

  • Fulfill the purpose for which it was collected

  • Meet legal, regulatory, or contractual obligations

Information is securely deleted when no longer needed.

8. Cookies & Tracking Technologies

We may use cookies or similar technologies to:

  • Improve site functionality

  • Analyze website traffic

  • Enhance user experience

You can adjust cookie preferences through your browser settings.

9. Third-Party Links

Our website may contain links to third-party sites.
IBN360 is not responsible for the privacy practices or content of external websites.

10. Children’s Privacy

IBN360 does not knowingly collect information from individuals under the age of 18. If we learn that we have collected such information, we will delete it promptly.

11. State Availability Notice

Coverage availability varies by state.
Services may not be available in WA, OR, HI, AK, MN, MD, VT, or NH.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.

13. Contact Information

If you have questions or privacy requests, contact us at:

IBN360
📧 Email: [email protected]
📞 Phone: 1-888-378-9012

Important Disclosure

IBN360 is a health coverage navigation platform.
IBN360 is not a health insurance carrier.
All coverage discussions, quotes, and enrollments are handled by licensed specialists.
Coverage availability, rates, and benefits vary by state.