Privacy Policy

1. Introduction

Omnicaid ("we," "us," or "our") is operated by Denari Group LLC. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit omnicaid.com or use our Medicaid eligibility screening services.

By using our website or submitting information through our eligibility quiz, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect the following types of information:

Personal Information You Provide: • Full name • Email address • Phone number (optional) • State of residence • Household size • Monthly household income range • Current insurance status • Personal situation category (individual, parent, pregnant, disabled, senior)

Information Collected Automatically: • IP address and general location • Browser type and version • Pages visited and time spent on site • Referring website or search query • Device type and operating system

We do not collect Social Security numbers, financial account information, or government ID numbers through our website.

3. How We Use Your Information

We use the information we collect to:

• Determine your likely Medicaid eligibility based on your answers • Connect you with licensed enrollment specialists who can assist with your application • Send you eligibility results and follow-up communications via email and SMS (with your consent) • Refer your information to licensed health insurance enrollment partners who may contact you about coverage options • Improve our website and eligibility screening tools • Comply with legal and regulatory requirements • Analyze usage patterns to enhance user experience

4. How We Share Your Information

We may share your personal information with the following parties:

Licensed Enrollment Partners: When you submit your information through our eligibility quiz, we may share your contact information and eligibility details with licensed Medicaid enrollment specialists, health insurance agents, and enrollment organizations who can assist you with your application. These partners may contact you by phone, email, or SMS.

Service Providers: We use third-party service providers to operate our website and process data, including Supabase (database), Vercel (hosting), and Resend (email). These providers are contractually obligated to protect your information.

Legal Requirements: We may disclose your information if required by law, court order, or governmental authority, or to protect the rights, property, or safety of Omnicaid, our users, or the public.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

We do not sell your personal information to third-party advertisers or data brokers.

5. TCPA Consent and Communications

By submitting your information through our eligibility quiz, you expressly consent to receive communications from Omnicaid and our licensed enrollment partners, including:

• Telephone calls, including calls made using automatic telephone dialing systems or artificial or prerecorded voices • SMS and MMS text messages • Email communications

These communications may relate to your Medicaid eligibility results, enrollment assistance, and health coverage options. Standard message and data rates may apply for SMS communications.

You may opt out of SMS communications at any time by replying STOP to any text message. You may opt out of email communications by clicking the unsubscribe link in any email. You may request to be placed on our internal Do Not Call list by contacting us at privacy@omnicaid.com.

6. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of data in transit using SSL/TLS • Encryption of data at rest in our database systems • Access controls limiting who can view your information • Regular security assessments of our systems

While we take reasonable precautions to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specifically:

• Lead and eligibility data: Retained for up to 36 months • Email communications: Retained for up to 24 months • Website analytics data: Retained for up to 26 months

You may request deletion of your personal information at any time by contacting us at privacy@omnicaid.com. We will process deletion requests within 30 days, subject to legal retention requirements.

8. Your Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal information we hold about you • Right to Correction: Request correction of inaccurate personal information • Right to Deletion: Request deletion of your personal information • Right to Opt-Out: Opt out of the sale or sharing of your personal information • Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

California Residents: Under the California Consumer Privacy Act (CCPA), you have additional rights including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. To exercise these rights, contact us at privacy@omnicaid.com.

To exercise any of these rights, please contact us at privacy@omnicaid.com. We will respond to verified requests within 45 days.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our website. These include:

• Essential Cookies: Required for the website to function properly • Analytics Cookies: Help us understand how visitors use our site (Google Analytics) • Performance Cookies: Help us improve website speed and performance

You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our website.

10. Third-Party Links

Our website may contain links to third-party websites, including state Medicaid agency portals and enrollment partner websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at privacy@omnicaid.com and we will promptly delete such information.

12. Not a Government Website

Omnicaid is not a government website and is not affiliated with any federal or state Medicaid agency, the Centers for Medicare & Medicaid Services (CMS), or the Health Insurance Marketplace. Our eligibility determinations are estimates only. Official eligibility is determined by your state Medicaid agency.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Omnicaid / Denari Group LLC Email: privacy@omnicaid.com Website: omnicaid.com

For TCPA-related opt-out requests, email: optout@omnicaid.com or reply STOP to any SMS message.