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Effective Date: January 1, 2023
PRIVACY NOTICE STATEMENT
If you choose to give us PII, we may share this information with Centers for Medicare and Medicaid Services (“CMS”), and will be maintained in a federal System of Records. Your PII will also be shared with other related entities. See HOW INFORMATION MAY BE SHARED section for detail. PII is used or disclosed only for the limited purposes listed in the HOW INFORMATION MAY BE USED section below.
The requested PII is mandatory under the applicable laws and CMS requirements. If you chose not to provide us with the PII requested, or not to respond to certain questions, your application will be denied.
As used in this Privacy Notice, the terms “benefitalign®”, “We” and “us” refer to benefitalign®, LLC and its subsidiaries, members, managers, officers, directors, employees, contractors, and agents. If you accept this Privacy Notice as an employee or representative of a company or other legal entity, the terms “you” and “your” will refer to both you, personally, and any entity you represent.
This Privacy Notice describes how we collect, use, protect and share information about you we obtain when you access and use our Website (defined below), including when you register for an account or request a quote. This Privacy Notice also applies to information we obtain when you communicate or interact with us outside of our Website, including by email, telephone, and otherwise.
Please read this Privacy Notice carefully before using our Website or communicating with us. Changes to this Privacy Notice are discussed at the end of this document.
“Users” means any individuals that access or use our website, including applicants for health insurance, insurance agents, and other registered users. References to “access” and/or “use” of our Website (and any variations thereof) include the acts of accessing or browsing our Website and accessing or using the services, information, content, features, functionality, tools, and promotions available on or through the Website.
“Website” refers to any website owned, operated, or powered by benefitalign® (including the Website at https://www.benefitalign.com). References to our “Website” include any services, information, content, features, functionality, tools, and promotions available on or through each Website.
BY ACCESSING OR USING OUR WEBSITE OR COMMUNICATING WITH US OUTSIDE OF OUR WEBSITE, YOU ARE ACCEPTING AND CONSENTING TO THE PRACTICES DESCRIBED IN THIS PRIVACY NOTICE, WHICH MAY BE UPDATED AND AMENDED FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY NOTICE, YOU MUST NOT ACCESS OR USE OUR WEBSITE OR OTHERWISE COMMUNICATE WITH US.
INFORMATION WE COLLECT
Information You Provide to Us
We collect information you provide directly to us, including when you register for an account, solicit a health insurance quote, prepare or submit a health insurance application directly or on behalf of another individual, use our Website, update your contact information, respond to a communication from us, or contact us with questions.
We may also collect information about you when you opt-in to receive text messages from us (such as when you sign up for health insurance). You may opt-in to receive such updates and offers by providing your mobile telephone number through our Website.
We may also collect information about you if a company or organization authorizes you to manage its account or use our Website on its behalf.
Some of the information we may collect through your use of our Website or communications with us may identify you. The types of PII you may submit in connection with our Website include, but are not limited to:
HOW INFORMATION MAY BE USED
We may use the PII we collect to:
Additionally, we may use your information as described in any notice provided when you provide the information and for any other purpose for which you may provide consent.
Besides the uses described above, we may also use Non-PII to:
We may also combine technical information, or Non-PII, about your use of our Website with information we obtain from other Users to use in an aggregate or anonymous manner for similar purposes.
HOW INFORMATION MAY BE SHARED
We will not sell or share your PII with third parties for the third parties’ own direct marketing purposes without your express consent. We may share your PII with:
We may also share PII with law enforcement agencies, government officials, or other third parties for the purpose of:
COOKIES AND BEACONS
Ability to Limit
You may request us to limit the collection, creation, disclosure, access, maintenance, storage, and use of your PII solely to obtain our assistance in applying for health insurance and obtaining an eligibility determination and for performing related functions authorized and specified in our agreements with the Centers for Medicare and Medicaid Services (“CMS”). To request this limitation, email to firstname.lastname@example.org.
You may have the opportunity to receive certain communications from us related to our Website. If you provide us with your email address to receive communications, you can opt-out of marketing emails at any time by following the instructions at the bottom of our emails and adjusting your email preferences. Certain emails may be necessary for operating our Website. You will continue to receive these emails, if appropriate, even if you unsubscribe from our optional communications.
If you wish to minimize information collected by cookie or beacon, you can adjust the settings of your browsers to notify you when you receive a cookie, which lets you choose whether to accept it. You can also set your browser to automatically reject any cookies. You may also install plug-ins and add-ins that serve similar functions. However, please be aware that some features and services on our Website may not work properly if we cannot recognize and associate you with your account. In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.
Do Not Track
Some browsers support a “Do Not Track” (or DNT) feature, a privacy preference that Users can set in certain web browsers, which is intended to be a signal to Websites and services you do not wish to be tracked across different Websites or online services you visit. Our Website does not currently recognize or respond to DNT signals, so DNT settings do not change the way our Website operates.
We cannot control how third-party Websites or online services you visit through our Website respond to Do Not Track signals. Check the privacy policies of those third parties for information on their privacy practices.
You may have the opportunity to receive certain information, updates, and/or offers from us via text communications. If you provide us with your mobile number to receive such communications, you can opt-out of receiving text messages at any time by contacting us at email@example.com.
The accuracy of the information we have about you is important. To review, correct, or delete your PII, please update your account profile on our Website. or contact us as stated in the “Contact Us” section of this Privacy Notice.
We will retain your information for as long as your account is active or as needed to provide the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
SECURING YOUR INFORMATION
The security of your information is important to benefitalign®, and we have established administrative, technical, and physical safeguards designed to protect your PII against unauthorized alteration, access, loss, theft, use, or disclosure. Unfortunately, no system can guarantee complete security of your information. benefitalign® cannot ensure or warrant that your information, including your PII, is secure from unauthorized third parties. Thus, your use of our Website and communication with us about them is at your own risk.
You protect your password(s), and for the security of information, you transmit to us over the internet.
Our Website is directed to and is intended to be used only by persons 18 years of age or older. We do not knowingly collect information from children under 18. If you are under 18, you may not register for an account or otherwise submit any PII to us, including your name, address, or email address. By registering for an account or submitting any PII to us, you represent and warrant you are 18 years of age or older.
If we discover that we have received any PII directly from a child under the age of 18, we will suspend the associated account and remove that information from our database soon. By registering for an account or submitting any PII to us, you represent and warrant that you are 18 years of age or older. To avoid doubt, this restriction does not apply to information collected from a parent or legal guardian who provides information regarding a dependent child under the age of 18 with a health insurance application or other related purpose.
LINKS TO THIRD-PARTY WEBSITES
Our Website may contain links to third-party Websites and services, including those of third-party insurance providers and advertisers. These links are provided, and information and the Websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to benefitalign® and our Website only. We accept no responsibility or liability for the policies or practices of any third parties. If you access any Websites or services linked from our Website, please check the applicable policies before you use or submit any personal data to such Website or service.
Our Website is hosted in the United States (U.S.) and is subject to U.S. state and federal law. Our Website is not intended to subject benefitalign® to the privacy laws or jurisdiction of any state, country, or territory other than that of the U.S., including the European Union. benefitalign® does not represent that our Website is appropriate for any particular jurisdiction. Those who access our Website do so at their own initiative and comply with all local laws, rules, and regulations. If you are accessing our Website from other jurisdictions, you are transferring your personal information to us in the U.S., and by using our Website, you consent to that transfer and use of your personal information under this Privacy Notice. You also agree to abide by the applicable laws of applicable states and U.S. federal laws about your use of our Website and your agreements with us. Any persons accessing our Website from any jurisdictions with laws or regulations governing the use of the internet, including personal data collection, use, and disclosure, different from those of the jurisdictions mentioned above may only use our Website in a manner lawful in their jurisdiction. If your use of our Website would be unlawful in your jurisdiction, you may not use our Website.
CHANGES TO OUR PRIVACY NOTICE
benefitalign® may change this Privacy Notice occasionally. Any changes to this Privacy Notice will be reflected on this page, and the effective date will be stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all information we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. benefitalign® will always post new versions of the Privacy Notice on our Website. If an amendment materially alters your rights or obligations, we may notify you of the amendment, such as by posting a notification to the home page of our Website or sending a notification to you at the address we have on file for you, if any.
Your continued use of our Website or communication with us after the updated Privacy Notice has been posted (or any other indication of your consent) will constitute your acceptance of the updated Privacy Notice.
We may condition your continued access to our Website on your consent to changes to this Privacy Notice.
If you have questions relating to this Privacy Notice, or if you would like us to update information we have about you or your preferences, please contact us by email at firstname.lastname@example.org or call us at (888) 556-3382.
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