What information do We collect from you?
In order to better provide you with our Services, we collect two types of information about our users: Personally Identifiable Information and Non-Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient, and customized experience while using our site.
Personally Identifiable Information: This refers to information that lets us know the specifics of who you are. When you engage in certain activities on this site, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including zip code), e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal identifying information. Depending upon the activity, some of the information we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.
Non-Personally Identifiable Information: This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you visit on our site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the Web site’s Uniform Resource Locator (“URL”) that you just came from, which URL you go to next, what browser you are using, and your Internet Protocol (“IP”) address. An URL is the global address of documents and other resources on the World Wide Web. An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol (“TCP/IP”) network, such as the World Wide Web. Networks like the Web use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the web, allowing web servers to locate and identify your computer. Computers require IP addresses for users to communicate on the Internet.
The Company Website contains information regarding Company and its services. The services described in this Website are available only in those states and territories of the U.S. specifically referred to within the description of each such program.
Website Usage & Log Files
If you visit Company' Website, we may gather and store certain information about your visit. The information that we collect does not personally identify you and cannot be linked back to you unless you decide at some point to identify yourself. If you are browsing, we may collect the following information: the type of browser and operating system used, the IP address, the date and time you access our site, the number of times you have accessed our site, whether your computer is enabled for Java or cookies, browser language, application and plug-ins, the pages you visit and if you linked to a Company Website from another website, and the address of that website. We use this information to generate statistics and measure site activity to better provide you with a smooth and efficient experience in using our Website.
Categories of Parties with Whom We May Disclose Information
The information we collect through this Website and from other sources is used to provide information for health insurance coverage through Company’ health plan carriers and to provide other products and services to our brokers. We may share information with our contracting health plan carriers during the underwriting process, as well as affiliated businesses as necessary, to provide services through such companies. The information we receive is a significant part of our business and one of our primary assets. In the future, we might buy, sell, exchange, assign, or trade business assets, which may include this information. Also, in the event that Company is, or substantially all of its assets are acquired, customer information may be one of the transferred assets. We may also release personally identifiable information when we believe that the release of such information is required by law or is necessary to protect the rights, property, or safety of Company, or others.
Use of Browser Based Cookies
Collection of Personally Identifiable Information to Provide a Service or Correspondence
Company will receive and store information which may be personally identifiable to you (such as name, address, e-mail address, gender, age, type of request, and possibly additional information) whenever you and/or your affiliate provides this information to us through this website. We may also obtain information about you from third parties. We may obtain information about employers and their employees through a participating insurance broker. This can occur when the employer requests a quotation for health insurance coverage. In order to obtain a quotation from Company, the broker will obtain information regarding the employer’s business and employees. This information is provided to us in order to obtain a quote. We may also receive the aforementioned information regarding employers and employees when a broker uses our online account management functionality. This personal information is collected and stored in a manner appropriate to the nature of the data and may be passed on to our affiliates. Once our affiliates, receive this information, that data also becomes the property of each respective affiliate. Any request to opt out of future communications from such affiliates must be made directly to each such party.
Transmission of Information & Security
Even though We endeavor to ensure that all available procedural safeguards are integrated into our website and we adhere to the generally accepted standards of security for the purpose of protecting information provided by visitors to this website, transmission of information through our website has the potential of being unstable, unreliable and insecure. Company makes every effort to ensure the secure collection and transmission of sensitive user information using industry-accepted data collection and encryption methodologies such as TLS (Transport Layer Security), SSL (Secure Socket Layer) and PGP (Pretty Good Privacy); however, there is a risk that such information may be illegally intercepted. The Company’s Employees are kept up to date on our security and privacy practices.
Children's Online Privacy Protection
This website is not designed for or intentionally targeted at children 13 years of age or younger. The Company websites comply with the Children’s Online Privacy Protection Act of 1998 (COPPA). COPPA and its accompanying FTC regulation protect the privacy of children using the Internet. Company does not knowingly collect or solicit personally identifiable information from children under 13. The Company websites are not intended to solicit information of any kind from children under 13 and is designed to block our knowing acceptance of any such information unless such information is provided by or with the consent of the child’s parents or guardians. It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please do so by emailing us at [email protected]
Your California Privacy Rights (California Residents)
California Civil Code Section 1798.83 and 1798.100-1798.199 (the California Consumer Privacy Act) permits our users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. We currently do not share any personal information with third parties for their own direct marketing purposes.
S.B. 370 Notice (California Residents)
Personally Identifiable Information
You have the legal right to access and edit the Personally Identifiable Information that you have provided to us. You may change any of your Personally Identifiable Information in your account online at any time. You may also access and correct your personal information and privacy preferences by writing us at 1350 Treat Blvd Ste. 470, Walnut Creek, CA 94597. You can also contact us by email at [email protected], or FAX at (888)978-7837. You should be cautious about sending personal information updates through unencrypted email. Please include your name, address, and/or e-mail address when you contact us. We encourage you to promptly update your Personally Identifiable Information if it changes. You may ask to have the information on your account deleted or removed; however, because we keep track of past transactions, you cannot delete information associated with past transactions on this site. In addition, it may be impossible to completely delete your information without some residual information because of backups.
Aggregated Quoting Data
The Company may share information with authorized partners regarding "Aggregated Quoting Activity" that takes place on our websites (defined as all quoting activity including any information relating thereto except for group level data).
Broker Broadcast Newsletters & Promotional Emails
From time-to-time, we may offer free e-newsletters and occasionally send out promotional e-mails as a service to our visitors. We send e-mails only if the user has opted to receive communications from Company through its websites or its affiliates.
The Company websites may in the future include chat rooms, forums, message boards, news groups and/or links to social networking sites. If so, Company shall be deemed as a passive conduit and will not be liable for any of the transmitted information. Any information that is disclosed in these areas becomes public information. You should exercise caution before disclosing your personal information via these public venues, which you do at your own risk. If you do so, you may receive unsolicited emails or “spam.” Company cannot safeguard the privacy of personally identifiable information that is disclosed and can be viewed or accessed online in this manner.
Current: March 10, 2020