HIPAA Notice Of Privacy Practices For Protected Health Information ("PHI")
Effective January 1, 2008
We are strongly committed to protecting your privacy. To
serve as your state-licensed insurance agent, we will ask you to provide us
with personal information about you. We will not disclose your personal
information to anyone, except those specifically involved in the referral or
processing of your insurance quote or application. Additionally, we use
industry-leading technologies to ensure the security and confidentiality of the
personal information you provide us.
Privacy Policy for Partner and Co-Branded Websites
This Privacy Policy discloses the information privacy practices
for the website you are currently visiting ("the website").
Throughout the policy, we refer to information that can identify you as a specific individual, such
as your name, phone number, email address, Social Security number or credit card number, as
"personal information." Further, personal information includes any information involving your
health or medical history.
We will not disclose your personal information to anyone, except those specifically
involved in the referral or processing of your insurance quote or application.
We may be obligated to disclose certain limited personal information to the Partner
who specifically referred you to this website, and with whom we have a
written contract to promote the services offered by this website.
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We may be obligated to disclose your contact information, certain limited demographic
information (e.g., gender, date of birth, occupation) and certain limited policy information
(e.g., the type of policy you purchased) to the referring Partner.
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We never disclose any personal information involving your health or medical history to
the referring Partner. Further, we do not disclose your social security number or credit
card number to the referring Partner.
We do not disclose your personal information to any other third parties, unless one of
the following limited exceptions applies.
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Insurance Companies, Licensed Agents and authorized HSA Trustees or Administrators.
If you submit an application for an insurance product offered by us, then we will disclose
your personal information to your chosen insurance company to process your application.
If you submit an application for an insurance product offered through an insurance agent
or agency with whom we have associated, then we may disclose your personal
information to that agent or agency to process your requested quote or application. If you
complete an enrollment form for a health savings account ("HSA") offered through an
authorized HSA trustee or administrator with whom we have associated, then we may
disclose your personal information to that trustee or administrator to enroll you in an HSA.
Please be assured that these partners are only allowed to use your personal information
to process your requested quote, application or enrollment form and are contractually
obligated to maintain strict confidentiality.
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Service Providers. We may disclose your personal information to other companies that
help us process or service your insurance application or correspond with you. For
example, we may provide your personal information to a service provider to verify the
validity or credit limit of your credit card. Please be assured that the companies we hire
to process or service your insurance application or correspond with you are not allowed
to use your personal information for their own purposes and are contractually obligated to
maintain strict confidentiality.
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Legal Obligations. We may disclose or report your personal information when we believe,
in good faith, that the disclosure is required or permitted under law, for example, to
cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
Outside of these exceptions, we will not share your personal information with any
other third parties.
We collect personal information in the normal course of business in order to process
your insurance application and to serve you better.
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Registering with Us. We begin collecting personal information from you when you
register with us. You may register with us through our website by entering your email
address and, if you are creating an account, choosing your password. Under our current
process, you must create an account before starting an application for a health insurance
or other product offered on our website. You may also register with us through our
Customer Care Center by providing certain personal or contact information (e.g., email
address, phone number, gender, date of birth) to one of our customer service
representatives.
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Applying for Insurance and Other Products. If you apply for a insurance or
other product through our website, we may ask you to provide us with personal
information and/or health information relating to you and any family member who will be
included on your application. This information will be used by your chosen insurance
company, agent or HSA trustee or administrator to process your application. Additionally,
we may ask you to provide us with credit card or bank information, which will be used by
your chosen insurance company or HSA Trustee or Administrator to process your
application or collect any fees associated with your application or insurance premiums
upon approval of your application.
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Providing you with a quote or processing your application. We may use your personal
information to get in touch with you when necessary to process your application or to
provide you with a quote. For example, emails will be sent to you throughout the
application process to inform you of the status of your application and to seek additional
information that is requested as part of the application.
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Customer satisfaction, referrals and other products. We or our wholly-owned subsidiaries
may contact you to survey your satisfaction of our service, refer our products and
services to other people, and/or to inform you of additional products and services. You
may opt out of receiving these additional communications from us by following the opt-out procedures below.
We gather anonymous information about you for our internal purposes, and we may
share this anonymous information with third parties.
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Anonymous information is any information that does not personally identify you, including
aggregate demographic information such as the number of visitors to our website from a
particular state.
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We use anonymous information primarily for marketing purposes and to improve the
services we offer you.
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We may use "Cookies," "Clear Gifs," "Internet Protocol" addresses and other monitoring
technologies to gather anonymous information. For a more detailed discussion on
cookies and clear gifs, please see below.
We protect the confidentiality and security of your personal information.
We continue to evaluate our efforts to protect your personal information and make
every effort to keep your personal information accurate and up to date.
We will provide notice of changes in our information privacy practices.
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If we are going to use your personal information in a manner different from that stated at
the time of collection, we will notify you via email. You will have a choice as to whether or
not we use your personal information in this different manner. In addition, if we make any
material changes to our information privacy practices that do not affect the personal
information already stored in our database, we will post a prominent notice in the privacy
portion of our website notifying users of the change.
You may opt out of receiving satisfaction surveys and/or information on additional
products and services from us.
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We may contact you to survey your satisfaction of our service and/or to inform you of
additional products and services.
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If you want to opt out of these surveys and/or notices, you may contact us by email at
mike@healthinsuranceforpa.info or by mail at Michael VonFabian, 141 S. 9th St., Easton, PA 18042.
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Please note that you will still receive communications from us regarding your insurance
quote, application or policy even if you opt out of receiving our surveys and/or notices of
additional products and services.
We are available to answer any questions you may have about our privacy policy or
our information privacy practices.
This privacy policy applies to this website, and may not apply to other
websites that are owned and/or operated by us.
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The information privacy practices described in this privacy policy apply only to
applications initiated on this website. Accordingly, all of the personal information you
submit to us after initiating an application on this website shall be governed by this
privacy policy. Additionally, all of the anonymous information collected from this website
shall be governed by this privacy policy.
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If
you are returning to complete an application that you initiated on
another website that is owned or operated by us,
this privacy policy may not apply. Please review the privacy policy of
the website on which you initiated your application to learn about the
information privacy practices that apply to the personal information
you submit to us.
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If you want your personal information to be subject to the information privacy practices
described in this website's privacy policy, you may initiate a new application on this
website.