Privacy Policy
Last Updated: November 6, 2025
At FreelancerHealth ("we," "our," or "us"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
TL;DR: We only collect the information necessary to calculate your health insurance costs. We don't sell your data, we don't store unnecessary personal information, and we use industry-standard security practices.
1. Information We Collect
Information You Provide to Us
When you use our calculator, we collect:
- Calculation Inputs: Zip code, age, household size, estimated income (MAGI), monthly premium paid, and monthly APTC received
- Payment Information: Processed securely through LemonSqueezy (we never see your full credit card details)
- Email Address: For subscription management and sending calculation results
Information Automatically Collected
We automatically collect certain information when you visit our site:
- Usage Data: Browser type, device type, IP address, pages visited, time spent on pages
- Cookies: We use cookies for analytics and to maintain your session. See our Cookie Policy below.
2. How We Use Your Information
We use the information we collect to:
- Calculate your real health insurance cost using the IRS Iterative Calculation Method
- Process payments and manage subscriptions
- Send you calculation results and quarterly reminders (if subscribed)
- Improve our service through analytics
- Respond to your questions and support requests
- Comply with legal obligations
We do NOT:
- ❌ Sell your personal information to third parties
- ❌ Share your calculation data with advertisers
- ❌ Use your information for purposes other than providing our service
3. Data Storage and Security
We implement appropriate security measures to protect your information:
- Encryption: All data transmitted to our servers is encrypted using SSL/TLS
- Limited Storage: We only store calculation results for users with active subscriptions. One-time purchase results are available for 30 days.
- Secure Hosting: Our servers are hosted on secure, industry-standard cloud platforms
- Access Controls: Only authorized personnel have access to your data
4. Data Retention
We retain your information as follows:
- One-Time Purchases: Calculation data stored for 30 days, then automatically deleted
- Subscriptions: Data retained while subscription is active and for 12 months after cancellation (for tax and legal compliance)
- Email Communications: You can unsubscribe at any time
5. Third-Party Services
We use the following third-party services:
- LemonSqueezy: Payment processing and subscription management (they have their own privacy policy)
- Analytics: We may use privacy-focused analytics tools to understand how our service is used
- Email Service: For sending calculation results and reminders
These services may have access to your information only to perform tasks on our behalf and are obligated not to disclose or use it for other purposes.
6. Your Rights
You have the right to:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal information
- Opt-Out: Unsubscribe from marketing emails at any time
- Data Portability: Request your data in a portable format
To exercise any of these rights, contact us at privacy@freelancerhealth.co
7. Cookies Policy
We use the following types of cookies:
- Essential Cookies: Required for the site to function (e.g., maintaining your session)
- Analytics Cookies: Help us understand how visitors use our site
You can disable cookies in your browser settings, but this may affect site functionality.
8. Children's Privacy
Our service is not intended for individuals under 18 years old. We do not knowingly collect information from children. If you believe we have collected information from a child, please contact us immediately.
9. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected
- Right to know if personal information is sold or disclosed
- Right to opt-out of the sale of personal information
- Right to deletion of personal information
- Right to non-discrimination for exercising your rights
Note: We do not sell personal information.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by:
- Updating the "Last Updated" date at the top of this page
- Sending an email to subscribed users (for material changes)
Your continued use of our service after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please get in touch with us:
- Email: support@freelancerhealth.co
- Contact Form: freelancerhealth.co/contact