This Policy describes how your personal information may be collected, used and disclosed by Small Business Health Insurance (SBH). This Policy applies to information you provide through this website (the “site”) or through e-mail, regular mail, phone or fax. Please review this Privacy Policy carefully. If you do not agree with this Privacy Policy, please do not provide your personal information.
While on our site, you may provide information that we will use to help you purchase a healthcare plan from a health provider, possibly including a state exchange. You can also choose to provide additional information if you would like to find out if you qualify for lower premiums or other benefits.
When you register for an account, you will provide us with your name, address, e-mail address and phone number. We may use your contact information to communicate with you to complete the healthcare process or to offer you additional products or services in the future. If you do not want to hear from us about those additional offerings, you may contact us to let us know at [email protected]
In order to get pricing from insurance providers or to determine whether you qualify for discounts or other benefits, we may ask you for the following information about you and your family: Name Address and phone number Date of birth Social Security Number Certain health information Income and tax information This information is considered personally identifiable information (PII). We will only collect the PII we need to help you purchase health insurance, and if you want us to, to determine your eligibility for discounts and other benefits. We will never use this information to discriminate against you. We may share this information with insurance providers, including a state exchange to see if you are eligible for their products and how much they will cost. These companies must keep your information secure and private pursuant to their own privacy policies and state or federal law. We may also share your personal information with our vendors to help us provide services to you. They can only use your information to help us serve you, and they must keep your information secure and private. We also might be required to share your information by law, or with certain governmental agencies. If our business gets purchased or otherwise transferred, we may transfer your records to the new company. However, they must treat your PII with the same privacy and security that we do. We will not share your PII with anyone else. Information We Collect Automatically Cookies, Beacons, Analytics Our site uses cookies and web beacons to improve your user experience and to improve the performance of the site as a whole. If you do not want cookies on your computer, you may change your browser settings to block or delete cookies from your system. If you do block cookies, you may not be able to use portions of the site. To learn more about your ability to manage cookies and web beacons, please consult the privacy features in your browser. Our site uses web analytics services from Google and other service providers. Web analytics service providers use “cookies” (text files placed on your computer), beacons and pixels to help us analyze how people use our site. Information about your use of our site, like the type of computer you use, the browser you use, the time of day when you used our site, your IP address or device ID will be transmitted to and stored by the service providers in the United States. These service providers use this information to evaluate your use of our site and to compile reports on website usage, and may provide other services relating to website activity and usage. The service providers may also transfer this information to third parties where required to do so by law, or where such third parties process the information on their behalf. Do Not Track Currently, our site does not respect Do Not Track requests from browsers. Security We maintain reasonable physical, administrative and technical safeguards to ensure the confidentiality, integrity and availability of PII, and to prevent unauthorized or inappropriate access, use and disclosure. We use Secure Socket Layer (SSL) encryption to protect your personal information during transmission through our site. The Healthy Halo workforce is informed of information security measures. Access to PII is limited to only personnel who need access to do their job. Confidential information is destroyed according to Healthy Halo’s records retention schedule. You must keep confidential your user name, password, PIN, or any other identifier you use to gain access to the site. You agree to contact SBH immediately if you have reason to believe that someone has gained unauthorized access to your password, security question/answer or any other information you use to access to our site.
We do not share your information with third parties for their direct marketing purposes. Children’s Privacy This site is not directed toward children under the age of 18. Changes We may change or update this Privacy Policy at any time. If changes are made to the policy, the effective date located at the top of this page will change. Please check the privacy policy regularly for changes, and especially before you provide any personal information. Your continued use of the site and/or your account after changes are effective constitutes your consent to our information privacy policies. If we think that the changes to this Privacy Policy are substantial, we will make reasonable efforts to e-mail notice of the changes and let you know when they will go into effect. Your Information Privacy Rights You have several rights with respect to your personal information. If you would like to exercise any of the following rights, please contact our Privacy Officer at [email protected]
You should only provide us with personal information that you don’t mind us using to help you select a health plan or to see about discounts and other benefits. If you have already provided us information that you do not want us to use, please contact us at [email protected].
At any time, you can access your account online and the information you have provided. You may print a copy of the information from the site. If you are not able to access the information, please contact us.
You can correct your information by logging into your account, as long as you have not submitted the information for review. If your information has already been submitted, but you need to make corrections, please contact us at [email protected].
You can ask us to not use your information in certain ways, or to not disclose your information to certain parties. We may not be able to say yes.
You may ask us to contact you using an alternate address, e-mail, or telephone number by submitting a request to [email protected]. If we cannot accommodate your request, we will write to you as soon as we can to explain why. You may request a copy of our policies and procedures that directly affect your information.
