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NOTICE OF PRIVACY POLICY

WE VALUE YOUR PRIVACY.

This is our Notice of Privacy Policy, and we’ll provide it the first time we do business with you and upon request or as required by law thereafter.

This Notice describes how we protect, collect, use, and share customer information. Customer information means all nonpublic information related to an identified individual, which is sometimes called personally identifiable information. Customer information does not include anonymized data or de-identified data, which do not identify an individual.

OUR PRIVACY PRINCIPLES

WE PROTECT CUSTOMER INFORMATION

We maintain physical, electronic, and procedural safeguards to protect customer information and to comply with federal and state laws. In addition, we review our policies and practices, monitor our computer networks, and test the strength of our security.

We retain customer information for legal, auditing, regulatory, and business purposes.

We collect customer information in different ways. For example, we gather information from:

HOW WE USE CUSTOMER INFORMATION

While we (AffordaCare Insurance) does not issue or underwrite policies, the insurance(s) companies you are applying for coverage and/or receiving coverage from will need to do things such as:

HOW WE SHARE CUSTOMER INFORMATION

We share customer information, including information about our transactions with you (such as payments) and experiences with you (such as an dental claim), within our AffordaCare Insurance family of companies who we represent and sell their products that you are applying for coverage and/or have or had coverage through to help meet your product and service needs. We share customer information inside or outside our family of companies:

INFORMATION FOR INTERNET, MOBILE, AND SOCIAL MEDIA USERS

In addition to the information collection and sharing practices described above, AffordaCare Insurance website properties and mobile applications may use common tracking technologies like browser cookies, “Local Shared Objects” (such as “Flash” cookies), analytical tools, device IDs, or other technologies. We also collect certain technical information about the device you use to access our site or services, such as user-agent, timestamp, hardware type, language and time zone settings, IP address, OS type and version, and installed fonts. Our mobile and social media applications will contain a statement describing what information is collected from your use of that particular application. Currently, we do not support the necessary technology to respond to Web browser “do not track” signals or other, comparable mechanisms. Learn more about our ads and tracking activities.

If you click on links to a third party sites, you will be taken to websites we do not control. This Notice does not apply to the privacy practices of those websites. Read the privacy policy of other websites carefully. We are not responsible for these third party sites.

OTHER IMPORTANT INFORMATION

Please contact your agent for name/address changes or policy/coverage questions.

If you have questions about this Notice, you may contact us with questions about this Notice by:

If a material change is made to this Notice, a revised version of the Notice of Privacy Policy will be made available to you.

Residents of California: We may collect customer information from persons other than the individual or individuals applying for coverage. Such customer information as well as other personal or privileged information subsequently collected may, in certain circumstances, be disclosed to third parties without your authorization as permitted by law. If you would like additional information about the collection and disclosure of customer information, please contact your AffordaCare Insurance agent. You may also act upon your right to see and correct any customer information in your AffordaCare Insurance files by writing your AffordaCare Insurance agent to request this access.

This privacy policy has been compiled to better serve those who are concerned with how their Personally Identifiable Information(PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

WHAT PERSONAL INFORMATION DO WE COLLECT FROM THE PEOPLE THAT VISIT OUR BLOG, WEBSITE OR APP?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details to help you with your experience.

WHEN DO WE COLLECT INFORMATION?

We collect information from you when you register on our site, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.

HOW DO WE USE YOUR INFORMATION? 

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

HOW DO WE PROTECT YOUR INFORMATION?

DO WE USE COOKIES?

We do not use cookies for tracking purposes. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.that make your site experience more efficient and may not function properly.

THIRD-PARTY DISCLOSURE

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

THIRD-PARTY LINKS

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

GOOGLE

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users.

https://support.google.com/adwordspolicy/answer/1316548?hl=en

We use Google AdSense Advertising on our website. Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

We have implemented the following:

      • Remarketing with Google AdSense

      • Google Display Network Impression Reporting

      • Demographics and Interests Reporting

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website. 

Opting out:

Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

CALIFORNIA ONLINE PRIVACY PROTECTION ACT

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The laws reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection- act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:

HOW DOES OUR SITE HANDLE DO NOT TRACK SIGNALS?

We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. 

DOES OUR SITE ALLOW THIRD-PARTY BEHAVIORAL TRACKING?

It’s also important to note that we do not allow third-party behavioral tracking.

COPPA (CHILDREN ONLINE PRIVACY PROTECTION ACT)

When it comes to the collection of personal information from children under the age of 13-years-old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal

Trade Commission, United States; consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under the age of 13-years-old.

FAIR INFORMATION PRACTICES

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify you via email within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM ACT

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

TO BE IN ACCORDANCE WITH CANSPAM, WE AGREE TO THE FOLLOWING:

If at any time you would like to unsubscribe from receiving future emails, you can email us at [email protected] and we will promptly remove you from all correspondence.

CONTACTING US

If there are any questions regarding this privacy policy, you may contact us using the information below.

Last Edited: 2020-06-03