Privacy Policy

Effective 1/1/2015, Updated 10/24/2019

Who we are

Thank you for visiting (“Website,” “Site,” or “App”). The Site is owned and operated by Tobias & Associates Inc. (“,” “we,” “us,” or “our”). Our Website address is: This privacy policy (the “Privacy Policy”) describes the information that we collect from you when you use our Site or our services (“Services”) and what we do with this information, including the storage, transfer and sale of the information (among other things as set forth below). By accessing or using the Site or any of the Services, you hereby agree to the terms of this Privacy Policy and the Terms & Conditions of Use (“Terms of Use”) governing your use of the Site and the Services, into which this Privacy Policy is incorporated by reference. If you do not agree with this Privacy Policy or the Terms of Use, then please do not use the Site or the Services. Capitalized terms that are used in this Privacy Policy, but not defined shall have the meanings ascribed to them in the Terms of Use.

The Privacy Policy is effective as of the last updated date specified above. We may change this Privacy Policy at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Information we collect

We may receive personal information when you create an account on our Website, request information about our Services or products, submit an order for Services, sign up for any information about our Services, or provide information for the purposes of verification of your identity or fraud prevention purposes.

The personal information we may collect includes, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, personal and family health information, and similar information about family members and dependents.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

You can always turn off all cookies via your browser settings, however if you do so, some features of this Site might not function properly.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Information sharing/selling

We will not use or share your personally identifiable information with others except those individuals or entities which have a business relationship with us.

In some circumstances, we may share your information with or sell your information to third parties such as insurance carriers, brokerages, and agents offering products and information made available to you through the Services in order to fulfill a product or service inquiry. This includes any parent companies, subsidiaries, joint ventures, or other companies under common control with us or other companies with which we have a business relationship. These companies may then contact you outside of the Service via automated dialer, SMS, or email, without your direct knowledge or a pre-set appointment, and may also share your information with or sell your information to other parties.

We may use third party vendors to assist us with the Service. Some examples of the assistance that may be provided by third party service providers are: monitoring and analyzing Site activity, operations and marketing, hosting the Site, and maintaining our database. It is possible that some of these service providers will be located outside of the United States. We may share your personal information with these third parties, but only as necessary for them to perform their functions and to the extent permitted by law. Use of your personal information by these third party vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

As we develop our businesses, we might sell or buy other’s businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of your personal information may be part of the transferred assets.

To the extent permitted by law, we may also disclose your personal information when required by law, valid court order or subpoena; to cooperate with law enforcement or other governmental investigations (without necessarily requiring the law enforcement or government agency requesting the information to formally serve us with a subpoena); when we believe it is needed for fraud protection and/or credit risk reduction; and/or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others. We also reserve the right to report to such entities any activities that we believe to be unlawful. Any report of such activities will be made without prior notice to you, and you consent to such disclosure by us.

How we protect your data

We implement security measures to maintain the safety of your personal information when you enter or submit your personal information. We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to protect your personal information and we make all commercially reasonable efforts to do so, we cannot guarantee the security of any information you transmit to us, and you provide such information at your own risk. Once we receive your personal information, we make our best efforts to ensure its security on our systems. You agree that is not liable for any breach of security due to its actions or inactions, or those of any third party host.

What third parties we receive data from

We receive information about you and your activities on and off the site from third-party partners, such as information from a partner when we jointly offer services or from an advertiser about your experiences or interactions with them.

How we use information

We collect all of the information described in this Privacy Policy to provide you with the best experience possible in relation to health insurance. We use all of the information we have to help us provide and support our Services. Possible uses or information include:

Provision of the Services; provide accurate product recommendations and quotes, help first-and-third-party underwriting; provide information for applications; provide or offer other insurance, financial and consumer products and services, possibly from third-parties; provide, maintain and improve customer service; customize and personalize your experience with the Services to your interests; develop and improve the Site and the Services; respond to your inquiries; and communicate with you regarding your purchases or any other related topics. In addition, we may aggregate your information with our other user’s information and use that information for benchmarking and analysis purposes.

By submitting your personal information either to us, you consent to the use of your personal information as set forth above, and to the transfer of that data to our partners or those individuals or entities we engage to provide Services in connection with your insurance inquiry.

Your prior written consent is required for any artificial voice or message to your residential phone or any artificial voice or prerecorded message or an automatic telephone dialing system to your mobile phone in each instance that offers or markets our products or Services to consumers or that have a telemarketing purpose. We may obtain your prior written consent when you opt-in to receive such phone calls (see our Terms & Conditions of Use); You may opt-out at any time. By submitting your information to through the Site or the Services, you provide your affirmative consent that and the third-party partners may collect, use, rent, share, or otherwise disclose any information submitted or collected through the Site or the Services and that may disclose your contact information to the third-party partners.

Please contact us directly at if you discover any issues.


If you have any questions, or would like additional information about the Privacy Policy, please email us at, or give us a call at (855) 927-0765,

Address123 NW 13th St, Suite 101,
Boca Raton, FL 33432.