Last revised: April 3, 2009

Thank you for visiting www.insuremonkey.com (the "Website"), which is owned and provided by JASK Holding Company, LLC and US Health Broker.com, Inc., (including its affiliates) ("InsureMonkey," "our" or "us"). This privacy policy (our "Privacy Policy") explains how we collect, use, and protect your information. Our Terms of Use describe the obligations and restrictions you agree to in exchange for being allowed to use our Website. Together, our Privacy Policy and Terms of Use form a legally binding contract between you and us, which includes several complicated legal terms. BY ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THIS PRIVACY POLICY.

Use of the Website by Minors- InsureMonkey does not sell insurance products to minors, but it sells them to adults who may purchase products on behalf of a minor. If you are under the age of 18, you MUST share and review this Privacy Policy and our Terms of Use with your parent or guardian before using our Website. If you are a parent or guardian intending to provide personally identifiable information about a minor, please read this Privacy Policy carefully. If you are under 18 years old, you may not register for an account. Do not, under any circumstances, provide any personally identifiable information for any minor unless (a) you are the legal parent or guardian of such minor or have the permission of the legal parent or guardian of such minor to do so, and (b) you agree to be fully bound by the terms of both our Privacy Policy and our Terms of Use. Please read anywhere that we say "you" or "your" in this policy as both applying to: (a) the minor on whose behalf you are providing personally identifiable information, and (b) you, as the parent expressly agreeing to be fully and completely responsible for both yourself and such minor. If you have reason to believe that your child has provided any personally identifiable information to us without your consent or if you simply wish to revoke your prior consent and remove your child's personally identifiable information from our lists, please contact us at the following address:

2080 East Flamingo Road, Suite 223
Las Vegas, Nevada 89119

We are committed to complying with the Children's Online Privacy Protection Act of 1998 ("COPPA"). If you are under 18 years of age please do not use our website until you have reviewed our Privacy Policy and Terms of Use with your parent AND YOUR PARENT SUBMITS AN APPLICATION FOR INSURANCE OR PROVIDES YOUR PERSONALLY IDENTIFIABLE INFORMATION ON YOUR BEHALF.

Member Accounts and Applications- In order to use certain features of the Website you will have to create an account ("Member Account"). You may never use another person's Member Account without permission. You are solely responsible for the activity that occurs on your account, and you must keep your password secure. You must notify us immediately of any breach of security or unauthorized use of your account. Although we will not be liable for any losses caused by any unauthorized use of your account, you may be liable for our losses or the losses of others due to such unauthorized use. Generally, we will try to limit the information we request from you in order to create a Member Account to non-personally identifiable information, however, in order to complete certain purchases of insurance products ("Applications"), we may from time to time also ask for, and require, certain personally identifiable information ("Personal Information"), and/or health and medical information relating to you and any family member you wish to include on your Application (together with Personal Information, "Application Information"). In compliance with COPPA and other applicable laws, it is our policy to require only the information necessary for the specific Application that you request; we do not condition your participation in any specific activity on our Website, including an Application, on the disclosure of more information than is reasonably necessary to complete such that specific activity and/or Application. Any Application Information you provide will be used only in connection with the Applications you designate and will be shared with the insurance company, agent or HSA trustee or administrator that you select. In addition, your selected insurance company, agent or HSA trustee or administrator may request that you provide credit card or bank information to process your Application ("Payment Data"). In such instance, our Website provides a channel through which you provide your Payment Data directly to such selected insurance company, agent or HSA trustee or administrator; we do not store, access, process or transmit such Payment Data on your behalf.

Usage Information- Our Website may also use certain web technologies such as "cookies" to track your use of our Website ("Usage Information"). Your browser may have an option that allows you to reject cookies, but doing so may limit your use of our Website. Usage Information is anonymous and does not personally identify you. In addition, we may use web beacons (also known as 'action tags' or 'one pixel.gif files'), provided by our advertising serving partner, to measure the effectiveness of, and otherwise manage, our online advertising. These web beacons enable our advertising server to recognize you when you visit the Website and to determine which banner ads bring users to the Website. We do not use spyware, adware or any other similarly intrusive software.

Use of Information Collected- If you are over the age of 18, we may use your Personal Information to contact you, respond to your inquiries, and send you other information we think you may be of interest to you, such as special offers or to notify you of important new changes to our Website. If you are under 18 years of age, we will only use your Personal Information to provide you with the services and/or information that your legal parent or guardian has specifically requested including to process any Application. Regardless of your age, we may use Usage Information to analyze, manage and improve our Website or to help us diagnose problems with our server or other technical issues relating to the performance of our Website.

Suspension or Termination of Account- We reserve the right to suspend or terminate your account and/or your access to our Website at any time if we have reason to believe that you are under the age of 13 and you have provided Personal Information without obtaining your parents' consent; we have reason to believe you have breached our Terms of Use and/or Privacy Policy or that your conduct violates applicable law or is otherwise harmful to our interests and/or those of any other third parties, or decide to cease operation of and/or provision of any applicable products or services in connection with the Website; or we have reason to believe that you are under 18 years of age and have registered an account.

Warning: any personal information (e.g., name, email address, personal photographs) that you voluntarily disclose on any bulletin board, message board or on any other community forum offered on the Website may be collected and used by parties other than InsureMonkey and may result in unsolicited messages from other parties. WE EXPRESSLY PROHIBIT THE POSTING OF ANY PERSONAL INFORMATION ANYWHERE ON OUR WEBSITE, including on any message board related to any child under the age of 18. IF YOU BELIEVE THAT ANY CHILD UNDER THE AGE OF 18 HAS POSTED ANY PERSONAL INFORMATION ANYWHERE ON OUR WEBSITE or if any person has posted personal information belonging to any child under the age of 18 on our website, PLEASE CONTACT US IMMEDIATELY AT COMPLIANCE@insuremonkey.COM AND PROVIDE AS MUCH INFORMATION AS YOU CAN TO HELP US LOCATE AND DELETE THE PERSONAL INFORMATION. if you post personal information on any message board, We have no control over this use of your personal information and, as such, cannot be responsible for it. we reserve the right, but not the obligation, to: (a) delete any personal information we discover or which is brought to our attention, at any time, for any reason whatsoever; and/or (b) immediately terminate your account.

Disclosure of Your Information- The purpose of the website is to enable you to search, select and apply for various insurance products from a wide range of third-party insurance providers ("Carriers"). Accordingly, we will disclose your Personal Information to the Carriers in order to facilitate any search for compatible products and/or to process any Application. Additionally, we may disclose your Personal Information for the following reasons: (a) when we have reason to believe that such disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference to our rights or property, or those of other users of the Website, or anyone else who could be harmed by such activities, including you; and (b) as we deem appropriate or necessary to enforce our Terms of Use, take precautions against liability, investigate and defend against any third-party claims or allegations, and/or protect the security or integrity of our Website. Also, we reserve the right to respond to judicial process and provide information to law enforcement agencies in connection with an investigation on matters related to public safety, or if we have a good-faith belief that such action is necessary to comply with state and federal laws. Subject to COPPA and any other applicable privacy laws, we may disclose certain portions of your information to our business partners for research, analytical and marketing purposes and/or we may use your Usage Information to identify and develop products and services that may be of interest to you and/or share this information with certain third parties for direct marketing purposes. We may also disclose the information you provide if we have your consent.

Transfer- We may sell or buy other businesses or entities. If we do, we may transfer or assign the information we have collected, including your Personal Information, as part of such merger, acquisition, sale, or other change of control. Also, in the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, we may not be able to control how your Personal Information is treated, transferred, or used and your Personal Information may be included in the transferred assets. We do not sell Personal Information to third parties and have no intention of doing so in the future. Under the laws of some jurisdictions, you may be entitled to request disclosure regarding how we share your Usage Information with third parties for direct marketing purposes ("Information-Sharing Disclosure"). To the extent required by applicable law, we shall provide the Information-Sharing Disclosure to you upon rightful request made in writing to InsureMonkey, 2080 East Flamingo Road, Suite 223, Las Vegas, Nevada 89119. Except as explained above, we will not share any of your personal information with any third party, unless we have received your express permission to do so.

Opting-Out- You may opt-out of receiving any communications from InsureMonkey for which you have signed up at any time by clicking on a link provided at the bottom of the email communication or by contacting optout@insuremonkey.com. PLEASE NOTE- WE CAN ONLY REMOVE YOUR NAME FROM OUR OWN MAILING LISTS. IF YOU SIGN UP TO RECEIVE ANY COMMUNICATIONS FROM ANY BUSINESS PARTNER AVAILABLE THROUGH THE WEBSITE, YOU WILL HAVE TO CONTACT SUCH COMPANY DIRECTLY TO REMOVE YOUR NAME FROM ITS MAILING LISTS.

Linked Sites- Our Website may include, as a convenience to you, links to other websites. Each linked website will have its own rules and policies with respect to how it collects, uses and discloses your personal information. THESE SITES ARE NOT PART OF THIS WEBSITE. Make sure you (and, if applicable, your parents) review the applicable agreements and policies carefully when visiting other websites. WE ARE NOT RESPONSIBLE FOR OR HAVE ANY CONTROL OVER THOSE WEBSITES AND WE DO NOT ENDORSE ANY PRODUCT ON THOSE WEBSITES.

Security Procedures- We take commercially reasonable precautions and have implemented commercially reasonable technical measures intended to protect against the risks of unauthorized access to, erroneous disclosure of, and unlawful interception of Personal Information submitted via the Website. However, your email transmissions and/or other communications containing Personal Information may be unlawfully intercepted or accessed by third parties and/or the Website may be subject to hostile network attacks or administrative errors. We cannot and do not guarantee the security of any information transmitted over the Internet. Once we receive your Personal Information, we take steps that we believe are commercially reasonable to limit access to your Personal Information to only those employees and service providers whom we determine need access to the Personal Information to provide the requested products, services, offers or opportunities that may be of interest to you. However, even after we receive your Personal Information, we cannot guarantee that your Personal Information may not be accessed, disclosed, altered, or destroyed as a result of a breach of our commercially reasonable efforts or as a result of any other event beyond our reasonable control. Accordingly, we cannot and do not guarantee that your Personal Information is completely secure and safe from such risks. For the avoidance of doubt, WE expressly disclaim any representation or warranty, whether express or implied, with respect to ensuring, guaranteeing or otherwise offering any definitive promise of security in connection with your PERSONAL Information, APPLICATION INFORMATION or Usage Information.

Changes and Updates to your Personal Information- From time to time, you may want to correct or change your Personal Information. You may do so by signing into your Member account and clicking the change information button at the Website. Please note that the foregoing will only change your Personal Information in our records and you will need to contact any Carrier to whom your Personal Information has previously been provided directly to change their records.

Changes and Updates to the Privacy Policy- From time to time, we may revise the Privacy Policy and/or Terms of Use. To help you stay current of any changes, we take the following step: we note the date the Privacy Policy or Terms of Use was last updated below. Your use of the Website following the foregoing shall be deemed acceptance of the revised policy, so we strongly recommend that you check this Privacy Policy and Terms of Use periodically.

Contact Information- If you have any questions or comments with respect to the Privacy Policy, your rights hereunder, our Terms of Use, or your opt-in or opt-out choices, please contact us at compliance@insuremonkey.com.

Consent- By accessing or using the Website or otherwise providing the Personal Information and Usage Information described above to us, you consent to our collection and use of your Personal Information and Usage Information as described in the Privacy Policy.

Miscellaneous- If any part of the Privacy Policy is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Privacy Policy shall continue in force and effect.