Legal Information
Privacy Policy
Your privacy is very important to Benefitdecisions, Inc.
(sometimes referred to as "we" or "Benefitdecisions"), and we are
committed to respecting your privacy on this site. In order to
provide our Services, we will require information (including
insurance and financial information) regarding our Users and their
employees. We consider a User's and its employees' medical
information private, and we will never sell, lease, share with or
provide third-party access to a User's or its employees'
individually identifiable medical records or other individually
identifiable health information without express consent. We will
maintain the confidentiality of information provided in accordance
with our Privacy Policy.
We may change this policy from time to time, and if we do we
will provide notice on this Web site regarding any changes to this
policy.
Use of Information
Benefitdecisions may provide certain information it collects to
third parties in connection with its provision of this Service,
including sending requests for quotes to and interacting with
insurance carriers, third party administrators and financial
services organizations. Certain non-medical information we collect
is also necessary in order to provide personalized information and
promotional offers. Except as disclosed in this Privacy Policy, our
current policy is to refrain from selling, leasing, or otherwise
transferring your personally-identifiable information, however,
this policy does not apply in all cases and this policy may be
changed in the future. We describe below some of the situations in
which such information may be disclosed. Benefitdecisions will
never provide our promotional affiliates with personally
identifiable information which would permit them to communicate
with Users or their employees by email unless either the User or
the User's employee "opts-in" pursuant to one of our "double
opt-in" sign-up modules and have not "opted-out", pursuant to our
opt-out procedure, from receiving communications. You may have the
opportunity to ask us to provide your information to these
promotional affiliates. We expect our insurance carriers and other
promotional partners with whom we share information (with consent,
as provided herein) to respect the privacy of our Users in the same
manner as we do. However, we cannot ensure that they abide by our
privacy policies. Benefitdecisions is the sole owner of information
collected through the Service.
Information That Is Personally Identifiable
Our registration format requests certain contact information
from our Users. We collect information that is personally
identifiable through the registration and enrollment process, when
submitting information to obtain a quote for insurance purposes and
financial products and when completing an application for insurance
services and financial products. When a User completes an
application for insurance (whether the application is obtained via
a download or directly from the insurance company), the application
will require personally identifiable information for each proposed
insured, including:
Contact information (examples include name, home address,
email)
Unique identifiers (examples include social security
numbers)
Dependent information (number and names of dependents)
Demographic information (examples include zip code, age, birth
date, gender, income level, number of dependents).
All of the information which we have identified may be used by
Benefitdecisions and providers of insurance and/or financial
products and related services in connection with the processing of,
assessment of, and response to your request to obtain insurance or
financial products; however, Benefitdecisions will not utilize the
individually identifiable health information or medical records
provided by you in response to questions on any application for
insurance or financial products other than (i) for purposes of such
processing, assessment and response and (ii) in an aggregate format
so that individually identifiable personal health information is
not used by any other third party. We use contact information from
the registration format to send the User information about
Benefitdecisions and when otherwise necessary. Such information may
also be used to assess your satisfaction with and to obtain
feedback regarding the Service we provide and to tailor the
visitor's experience while visiting our Web site.
We may use the contact information we collect to provide, by
means other than email, information or offers which we believe will
be of value to Users and their employees and we may share contact
information with other companies that may want to provide our Users
or their employees, by means other than email, information
regarding additional products and services. If either the User or
the User's employee elects, pursuant to one of our "double opt-in"
sign-up modules, we may also use the contact information to send
our Users and their employees information or offers by email which
we believe will be of value to them and we may share email contact
information with other companies that may want to provide our Users
or their employees information regarding additional products and
services. Such contact information may be shared based upon the
demographic information we collect. Users and employees of Users
who have "opted-in" pursuant to one of our "double opt-in" signup
modules may opt-out of receiving future communications at any time;
see the section below regarding "Opt-out".
Finally, the information we collect will be maintained in a file
that we may need to review in a variety of other circumstances,
such as enforcing Benefitdecisions' Terms of Use for Users,
analyzing and understanding our customers and their needs, and for
the administration and provision of insurance services.
As a User of the Service, you consent to the aforementioned uses
of such information and the provision of information to insurance
carriers and service providers that facilitate the Service, all in
accordance with this Privacy Policy.
Aggregate Information
Subject to the other terms of our Privacy Policy, we may
aggregate (i.e. assemble on a basis that does not enable one to
personally identify you) the data that is acquired under or in
connection with this site and/or related to obtaining insurance and
financial products, including, without limitation, data about the
insurance and financial products and services requested and
purchased by our Users. Aggregated data may be used by
Benefitdecisions to improve our Service and for marketing purposes,
and may be shared with and used by advertisers, insurance carriers,
financial service providers and other third parties. We may also
use such data to determine what types of policies are best suited
for our customers and what types of policies our customers request.
If we provide aggregated data to third parties, particular personal
information (including birth date, social security number, name,
title, income, home address, dependent information and any other
identifying information) will not be individually identifiable in
the aggregated data.
Your use of the Service constitutes your consent to the use of
such data on an aggregated basis.
Policy on Children's Use of the Site
This Site is directed at persons over the age of 13 and we do
not knowingly collect personal information from or about children
under the age of 13 except as relating to an application for
insurance services completed by the parent or guardian of such
child or the employer of such parent or guardian. If we shall at
any time learn that information relating to a child under the age
of 13 that we have obtained is other than as set forth above, we
shall immediately purge such information from our records.
Cookies
Like most other Web sites, Benefitdecisions' servers may
automatically track certain information about activity on our Web
site. This information allows us to keep our Web site running
efficiently. This information includes: the browser being used
(such as Netscape, Internet Explorer, etc.); your operating system
(such as Macintosh, Windows 98, etc.); your IP address; and the
referring URL and all company URL's you visit. We use your IP
address to help diagnose problems with our server, and to
administer our Web site, but your IP address is not connected to
information that is personally identifiable.
In addition, Benefitdecisions may use "cookies" on certain pages
of our Web site to automatically collect information from a visitor
to our Web site and transfer this information to the visitor's hard
drive. Cookies help recognize repeat visitors, allowing
communication of a personalized welcome message and tailoring of
content to match particular interests. We may use outside
advertising companies to display advertisements on our site. These
advertisements may also contain cookies. Some customer data may be
shared with the advertising affiliates on an aggregated basis in
accordance with the other terms of this Privacy Policy. Because
cookies are stored on your hard drive, not on our Web site, you are
always free to set your browser to decline cookies and you can
delete them from your computer. If you do so, you will still be
able to access our Web site, but you may find that some areas do
not work as smoothly as when cookies are enabled on your
system.
Other Use
It is possible that Benefitdecisions, its business and/or
assets, its present or future subsidiaries, joint ventures or any
combination of such, could merge with or be acquired in one or more
types of transactions by another business entity or entities.
Should such transaction(s) occur, you should expect that
Benefitdecisions would share some or all of your information in
order to, among other things, facilitate continuation of one or
more services similar to all or a portion of the service. Notice of
such an event (to the extent that it takes place) will be posted on
this Web site and we will require that the new combined entity
adhere to the practices disclosed in this Privacy Policy.
Disclosure for Legal Purposes
Given the government's current interest in Internet regulation,
you hereby authorize us to disclose information pursuant to
judicial and administrative proceedings, and in connection with law
enforcement activities and as otherwise may be permitted by law,
including, without limitation, the Health Insurance Portability and
Accountability Act of 1996, as amended, and the rules and
regulations promulgated pursuant thereto, to law enforcement or
government agencies if we believe the disclosure is necessary or
appropriate. You also authorize us to disclose information if we
believe the disclosure is necessary or appropriate in the event of
an investigation of improper or illegal conduct in connection with
our Web site, such as fraud, misrepresentation,
intellectual-property infringement, or other activity that may put
us at risk for liability. We will, whenever we believe reasonably
possible, use our reasonable efforts to inform a User whose
information may be so revealed.
Other Parties and Your Information
This policy only relates to Benefitdecisions' collection and use
of your information, except as otherwise provided. We are not
responsible for the privacy policies and practices of promotional
affiliates or other third parties to which we may provide links.
Benefitdecisions does not have control over the privacy policies
applied by any other party that you may disclose information to
when linking to from our Web site. If you would like information on
any other party's privacy policy, you should contact that party
directly, and we encourage you to do so.
Users should make themselves aware and become familiar with the
privacy policies of the carriers and/or underwriters of insurance
and of the financial services companies for which information is
requested and/or for which offerings are purchased. It is the
responsibility of the User of the Service, and not
Benefitdecisions, to do so. A User's contract with the User's
particular insurance or financial services provider is the
governing document with regard to such product or service.
Security
Benefitdecisions employs standard industry measures to protect
and ensure the confidentiality of your personally identifiable
information, including the use of firewalls and 128-bit SSL
encryption keys obtained from Verisign. Despite these efforts, we
cannot guarantee the security of your information given the current
state of the Internet. We also do not undertake to maintain
information about you for a duration greater than as provided by
law, rule or regulation.
Benefitdecisions engages technology affiliates that address
certain aspects of our security needs as follows:
- Physical security of the systems against theft and damage
- Software integrity to ensure that only authorized personnel can
implement or modify software
- Disaster recovery planning processes and systems
- Data integrity to check the validity of certain data
- Data security administration procedures to ensure proper
monitoring and auditing
Benefitdecisions believes it employs security measures that
adequately address its security needs.
How You Can Modify Information, Opt Out or Contact Us
You can review and modify (or remove) the information you
provide us in the registration process if this information changes.
The information that you may change (or remove) includes any
information provided on our registration format. To make any of
these changes, you may log on to this site and make the changes
directly after you have received a User identification and
password.
Your registration on our Web site and "opting-in" to receive
relevant information will be confirmed by an email correspondence
to your email address. If you do not object to such email within
three days, it will constitute your consent to receive email
notices and other email communications from Benefitdecisions and
its advertisers and promotional affiliates. In the event you no
longer wish to receive such email notices or other email
communications from Benefitdecisions, you may opt-out by replying
to"unsubscribe" in the subject line in any e-mail correspondence we
send you or by emailing us at info@benefitdecisions.com
stating your desire to "unsubscribe." You may also contact us at info@benefitdecisions.com
if you no longer wish to be enrolled as a User.
To contact us with questions about this policy or other
inquiries send us an e-mail at info@benefitdecisions.com
and write "Privacy Policy" in the subject line.
Each of the InsuranceSeller™ pages and this web site is © 2005,
Benefitdecisions, Inc., All rights reserved
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