EasyToInsureME is committed to protecting the privacy of all individuals who utilize the www.easytoinsureme.com website (the “Web Site”) and EasyToInsureME mobile application (the “Mobile App,” together with the Web Site, the “Services”). Please read the following statement to understand how we collect, use and safeguard the information you, as an individual consumer (as opposed to a provider, employer or others) may provide to us via the Services. This statement may be revised from time to time, so please revisit this page often to remain fully informed of our policies.
By using the Services, you acknowledge that you have read and understand the practices contained herein. By using any of our Services, whether by visiting the Web Site, downloading or using the Mobile App, and/or voluntarily providing your personally identifiable information to us, you acknowledge that we collect and use your information as set forth in this Privacy Statement.
APPLICABILITY OF THIS PRIVACY STATEMENT
This Privacy Statement is subject to the terms of the Web Site Terms of Use. This Privacy Statement applies only to information submitted and/or collected online through the Services, and does not apply to information that we may collect offline or other than through the Services (including through any EasyToInsureME social media websites or channels). In addition, this Privacy Statement is applicable regardless of the device used to access the Services (e.g., personal computer, mobile device, consumer electronics device, or any other technology or software known today or developed in the future) and to all users of Services.
This Privacy Statement does not apply to information about you collected by any third parties, including any of the any other third party services, applications, or websites or advertisements associated with, linked to or otherwise accessible from the Services. The information collected or received by such third parties is subject to their own privacy policies, statements, and practices and under no circumstances is EasyToInsureME responsible or liable for any third party’s compliance therewith.
WHAT INFORMATION DOES EasyToInsureME COLLECT FROM YOU?
We collect a variety of personal information from and about you through the Services, including both directly from you and automatically as a result of your use of and access to the Services.
You have choices about the information we collect. When you are asked to provide information, you may decline; but if you choose not to provide information that is necessary to provide a service or feature, you may not be able to use that service or feature. For example, registering for an account is optional and requires you to provide additional information, including insurance information, your email address, your mobile phone number, and your name; similarly, if you request information about your coverage or claims through the Services you will need to provide certain information as part of the request. In addition, as noted below in the section captioned “Cookies and Web Tracking,” it is possible to change your browser setup to block the automatic collection of certain information.
Information Collected Automatically – We use commonly-used automated information gathering tools on the Services. When you browse the Web Site and/or download and use the Mobile App, we collect information about your computer or mobile device and the network you use to access the Services, as well as information about your use of the Services. This includes software and hardware attributes of the device, unique device ID information, regional and language settings, performance data about the Services, network provider, and IP address (a number assigned to your computer when you use the Internet). In addition, information may also be collected passively in the form of log files that record website activity. For example, log file entries are generated every time a user visits a particular page or clicks an image on our website, and collects information on how many “hits” a particular web page is getting (a.k.a. “click-through data”), the dates and times that you use the Services, the pages you visit, the amount of time spent on specific pages, and other similar usage information, and general data (including the name of the web page from which you entered our Web Site). See also the section below
Mobile App – Individuals who download or use the Mobile App should note that the Mobile App permits the collection, communication, and storage of information in ways not typically available through web-based applications.
- Location Services – If you permit the Mobile App to use location services (including global positioning system or “GPS”), depending on the settings on your mobile device, we may collect the precise or general location information provided by your device. If you want to deactivate this feature, you can deactivate location services and GPS functionality on your mobile device or remove the permission for the Mobile App to access location services. Please refer to your device manufacturer or operating system instructions for instructions on how to do this.
- Additional Requests for Information and Access – When you download and/or use the Mobile App, we will ask for permission to access and/or to provide to you additional information or functionality, including the right to provide certain contact information directly to your Contacts folder, to provide “push” notifications, and to obtain access to photos if you wish to use photos to identify enrollees on your account.
- Local Storage – The Mobile App may store certain information locally on your device depending on how you use it. If you use the “Remember Me” feature to assist you with logging into your account, your username will be stored locally. Users also have the option to save their member ID card to the Mobile App for easy access; this ID card contains your name, group name, plan name, and sometimes your Member ID number. You are responsible for securing your devices and any information, including personal information and/or individually identifiable health information (if any), stored on or accessible from the device, as well as any backup copies of such information that may be created by you or your device’s settings or applications. Locally-stored information is typically deleted if you uninstall the Mobile App or clear the Mobile App’s application data through your device’s settings, although it may be stored in device backups even after uninstallation or deletion of the Mobile App or its application data.
Cookies; Web and Web Usage Tracking – In order to personalize and enhance your experience on the Services, we may also automatically collect information through “cookies.” Cookies are small strings of text that are sent by the Services to your browser and then stored by your browser on your computer’s hard drive or other device. We also use cookies to help diagnose problems with our servers, to administer the Services, to gather information about the how the Services are used (including information gathered anonymously from users’ clicks, taps, mouse movements, keystrokes and scrolling behavior), and to gather broad demographic information. See the information described below in the section captioned “How Is Your Information Used? – Sharing Information – Analytics.” Where a code in the cookie file enables the Services to label you as a particular user, including identifying you by name or other personal information, such cookie files are encrypted in order to protect your information. Most web browsers automatically accept cookies, but it is possible to change your browser setup so that it does not accept cookies. However, rejecting cookies may prevent you from taking advantage of certain portions, functionality or features of the Services.
Do Not Track – We do not engage in the collection of personal information about your online activities over time and across third party websites or online services. Accordingly, we do not currently process or comply with any web browser’s “do not track” (DNT) signal or other mechanisms that provide consumers with the ability to exercise choice regarding the collection of personal information about your online activities over time and across third party websites.
Finally, we may collect data that is not considered “personal information.” To the extent such data is stored or associated with personal information, it will be treated as personal information; otherwise, such data may be used or distributed at our discretion.
HOW IS YOUR INFORMATION USED?
Our Use of Information. We collect, retain, and use personal information with your consent; as required or permitted by law; for legitimate business purposes; to perform functions or activities on behalf of, or provide services to, the EasyToInsureME and affiliates; and/or as necessary to complete any transaction or provide you with information or services you have requested or authorized. These uses include, without limitation: to provide you with information regarding EasyToInsureME and affiliates and/or our/their products and services; to provide you information regarding health Providers in your geographic area; to provide the functionality of or obtainable through the Services; to respond to an inquiry from you or address a request submitted by you (including contacting you directly to request additional information to process your inquiry or request); to obtain your feedback on your health appointment experience; to allow you to manage your benefits, including obtaining information regarding your benefits and/or claims submitted; to provide certain contact information directly to your Contacts folder; to provide “push” notifications; to access photos so that you may identify enrollees on your account; for EasyToInsureME’s proper management and administration or to fulfill our legal responsibilities; to perform data aggregation services in order to provide analysis relevant to the health care operations of EasyToInsureME; to create de-identified data; to operate and improve our services (including benefits offerings and services provided EasyToInsureME; to operate or improve the Services; to monitor visitor traffic patterns and usage of the Services in order to assess overall Services activity, track interest in particular portions of the Services, and troubleshoot technical concerns; to gather and analyze data for our internal studies so we can constantly improve the Services; to comply with applicable laws, regulations and rules, and requests of relevant law enforcement and/or other governmental agencies; to enforce our Terms of Use; and/or to protect the rights, property, or safety of EasyToInsureME, our users, and others.
Note that our use, sharing, and processing of individually identifiable health information is described below in the “Individually Identifiable Health Information” section.
Text and Unencrypted Email Messages. With your consent, we may send text and/or unencrypted email messages containing notifications, reminders, tips and links to surveys and information related to your coverage. Messages sent by text and/or unencrypted email may include individually identifiable health information. Because these messages are not encrypted, there is some risk that the messages could be read by someone other than you. You are not required to provide this consent. The EasyToInsureME company that provides or administers your benefits and coverage will not condition your eligibility for benefits, treatment, enrollment or payment of claims on whether you provide this consent. To stop receiving text messages, text “STOP” and for help, text “HELP”. Message and data rates may apply.
Sharing Information. We do not sell or rent your personal information to third parties for their marketing use. However, some of the above uses involve sharing collected personal information with third parties, including service providers, business associates, affiliates, and EasyToInsureME. We share personal information with your consent; as required or permitted by law; for legitimate business purposes; as necessary to complete any transaction or provide you with information or services you have requested or authorized; to obtain your feedback on your appointment experience; to perform functions or activities on behalf of, or provide services to EasyToInsureME; for our proper management and administration or to fulfill our legal responsibilities; to perform data aggregation services in order to provide analysis relevant to the health care operations of EasyToInsureME; and/or to create de-identified data; in each case as provided in this Privacy Statement. Examples include:
THIRD PARTY WEBSITES
EasyToInsureME may reference or provide links to third party websites, and we are not responsible for and do not control the content, security, or privacy practices employed by such third-party services. This Privacy Statement does not apply to any such third-party services; please refer to the privacy statements or policies for such third-party services for information about how they collect, use, and process personal information.
PROTECTING YOUR PERSONAL INFORMATION
Because security is important to both EasyToInsureME and you, we employ reasonable safeguards designed to promote the security of our systems and protect your personal information from unauthorized destruction, use, modification, or disclosure. Personal information is protected using various physical, administrative and/or technical safeguards in transit and at rest.
However, it is important to note that no method of safeguarding information is 100% secure. While we try to ensure the protection of your personal information, we cannot guarantee that our safeguards will be effective or sufficient. In addition, you should be aware that Internet data transmission is not always secure, and we cannot warrant that information you transmit utilizing the Services is secure. The email functionality provided by the Services is not a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed by another internet user while in transit to us. If you wish to keep your communication private, do not use such email functionality. In such case, please contact EasyToInsureME by phone.
BUSINESS TRANSFER
EasyToInsureME may, in the future, sell or otherwise transfer some or all of its assets to a third party. Your personal information we obtain from you via the Services may be disclosed to any potential or actual third party purchasers of such assets and/or may be among those assets transferred.
INDIVIDUALLY IDENTIFIABLE HEALTH INFORMATION
EasyToInsureME considers your individually identifiable health information to be private and confidential.
Attention: This website is operated EasyToInsureME and is not the Health Insurance Marketplace website. In offering this website, EasyToInsureME is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.
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