Privacy Policy

Effective Date:

Date Last Updated:

PRIVACY STATEMENT

– PRIVACY STATEMENT

YOUR PRIVACY RIGHTS

1. Introduction

Thank you for your interest in SimpleHealthSaving (“SimpleHealthSaving,” “we,” “us,” or “our”). We are committed to protecting the privacy of those with whom we interact. This Privacy Statement (“Statement”) contains details about how we collect, use, and share Personal Information about you (defined below) that we obtain from you when you interact with us via our website, email, mobile application, and in other online and offline interactions, and from other sources.

Please read this Statement carefully. It applies to the following websites owned and operated by SimpleHealthSaving, and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, mobile apps, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, the “Service”):

Applicability: We collect Personal Information in several contexts as described below. However, this Statement does not apply to the following information:

Changes: We may update this Statement from time to time. The current Statement will be effective when posted. Please check this Statement periodically for updates. If any of the changes are unacceptable to you, you should cease interacting with us. When required under applicable law, we will notify you of any changes to this Statement by posting an update on this website. When required under applicable law, we will seek affirmative consent from you before making material changes to the way we handle Personal Information previously collected from you. If you do not provide such consent, Personal Information will continue to be used in a manner that is consistent with the version of this Statement

that was in effect when the information was collected.

2. Sources of Personal Information

We collect information about you and how you interact with us in several ways, including:

1. Information you provide to us directly. We collect information that you provide to us directly, such as when you register with us through our Services or you apply for a health insurance or other product through our Services.
2. Information automatically collected or inferred from your online interaction with us. We automatically collect technical information about your online interactions with us (such as IP address and browsing preferences).
3. Information from public sources, such as information from public records maintained by government entities, andinformation you submit in public forums.
4. Information from third parties. We receive information about you and your interactions with us from third parties, such as pharmacies, healthcare providers, insurance companies, credit reporting agencies , marketing and advertising providers, social network services, data brokers, and companies that provide or sell lists of potential purchasers. We also may receive information about you from friends and family members (such as other people insured under the same policy as you).

We may combine information that we receive from the various sources described in this Statement, including third party sources and public sources, and use or disclose it for the purposes identified below.

3. Types of Personal Information We Collect

The types of Personal Information that we may collect about you include:

1. Identifiers, such as your name, alias, postal address, country of residence, unique personal identifier, online identifier, internet protocol address, email address, user name, phone number, social media identifiers (e.g., Twitter handle, Instagram name, etc.), Social Security number, driver’s license number, or other similar identifiers, including identifiers for family members who may be insured under an insurance policy
2. Customer records, such as your name, signature, address, telephone number, bank account number, credit card number, or other payment information.
3. Application and eligibility information for you and family members who may be insured under an insurance policy, such as age, date of birth, gender, health status, disability, medical history, military or veteran status, date of birth, and financial and tax information (for government subsidies).
4. Commercial information and preferences, including product preferences, advertising preferences, products or services purchased, obtained, or considered, or other preferences or interests.
5. Internet or other electronic network activity information, such as your browsing history, search history, IP address, and information regarding your interactions with us (including interacting with us online, by the mobile application, and through advertisements).
6. Geolocation information, such as approximate location based on your IP address.
7. Audio, electronic, visual, or similar information, such as call center recordings, or customer support chat logs.
8. Professional or employment information, such as job title, employer, business address and contact information.
9. Inferences drawn from any of the information we collect to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

4. How We Use Your Personal Information

We may use each category of your Personal Information described above in the following ways:

1. To enable interactions between you and us, such as to facilitate online quoting, applications for, and purchases of our products; to register and administer your account, to support your interactions with us; to provide information about insurance plans; to communicate with you about your policy or our data practices; to install and configure changes and updates to programs and technologies related to interactions with us; to authenticate those who interact with us; and to respond to your requests, complaints, and inquiries.
2. For our own internal business purposes, such as to evaluate or audit the usage and performance of programs and technologies related to interactions with us; to evaluate and improve the quality of your interactions with us and the quality of programs and technologies related to interactions with us; to design new services and products; to process and catalog your responses to surveys or questionnaires (e.g., customer satisfaction reviews); to perform internal research for technological development and demonstration; to conduct data analysis and testing; and to maintain proper business records.
3. For legal, safety, or security reasons, such as to comply with laws and other legal requirements; to protect our safety, our property or the rights of those who interact with us, or others; and to detect, prevent, and respond to security incidents or other malicious, deceptive, fraudulent, or illegal activity.
4. In a de-identified, anonymized, or aggregated format. We may convert Personal Information into a de-identified, anonymized, or aggregated format, and use such information for any legal purpose.
5. For marketing. We may use your Personal Information to market our products or services or those of third parties, such as our business partners. We may use your Personal Information to invite you to participate in marketing surveys, questionnaires, promotions, events or contests. We may audit aspects of our ad impressions. We may use your Personal Information for short-term transient use, including for contextual ad customization. We may use your Personal Information to enhance our content and to deliver advertisements to you, including in commercial emails. For more information about online marketing activity, see Section 6 below.
6. To fulfill other purposes disclosed at the time you provide Personal Information or otherwise where we are legally permitted or are required to do so.
7. For any other purposes for which you provide consent.

5. With Whom We Share Your Personal Information

We may share your Personal Information with the categories of recipients described below:

1. Affiliates and subsidiaries: We may share your Personal Information within the eHealth Insurance group of companies, which includes parents, corporate affiliates, subsidiaries, business units and other companies that share common ownership for the purposes described above.
2. nsurance providers, government health care exchanges, and related entities: In order to provide you with insurance you request, we may share your information with insurance companies, Federally-facilitated Exchanges or State-based Exchanges, HSA Trustees or Administrators, and similar entities.
3. Service providers and other third parties that help fulfill requests: We may share your Personal Information with third-parties and service providers that facilitate and support us in processing a request or transaction on your behalf; to provide you with quotes, products, and services; and to process payments. We may share your Personal Information with an insurance agent when you request to be contacted by an agent, or when you request information about or an application for insurance that is offered through an insurance agent with whom we associate. If you are contacted by a third-party, any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.
4. Third parties that provide business and professional services to us, such as web hosting service providers, IT providers, operating systems and platforms, internet service providers, analytics companies, and marketing providers (e.g., we may share your email address with our outbound email marketing providers), our attorneys, accountants, and auditors. We take reasonable efforts to provide these companies with only the information they need to perform services on our behalf and to limit their use and disclosure of Personal Information.
5. Business partners: We may also provide your Personal Information or provide access to your Personal Information to our business partners, including for third party marketing.
6. For legal, security and safety purposes: We may share your Personal Information with third parties such as law enforcement, regulators, or others to comply with federal, state, or local laws, a subpoena or other legal process, and other applicable legal requirements; to protect the confidentiality and security of our records; to protect against or prevent fraud; for claims administration; to enforce or apply our Terms of Use and other agreements; and to protect our rights and our property or safety of our users or third parties.
7. In connection with a corporate transaction: We may transfer any information we have about you in connection with a change in corporate control, including but not limited to a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of SimpleHealthSaving and its business, or as part of a corporate reorganization or stock sale.
8. Organizations with which you have a relationship: We may disclose Personal information to an affinity group, employer, provider group, benefits administrator or consultant, healthcare system, pharmacy, financial services provider, or other entity with which you may have a relationship when such entity referred you to us or when you use our website or call center in connection with your relationship to such entity.
9. To others with your consent. We may also de-identity, anonymize, or aggregate Personal Information to share with third parties for any purpose.

6. Security and Retention

We maintain reasonable security procedures and technical and organizational measures to protect your Personal Information against

accidental or unlawful destruction, loss, disclosure, access, alteration, or use. Nevertheless, transmission via the Internet and online digital storage are not completely secure and we do not guarantee the security of your information collected through the Service.

7. Children’s Privacy

Interactions with us are intended for individuals 16 years of age and older. Our interactions are not directed at,

marketed to, nor intended for, children under 16 years of age. We do not knowingly collect any information, including Personal Information, from children under 16 years of age. If you believe that we have inadvertently

collected Personal Information from a child under the age of 16, please contact us at the address below and we will use reasonable efforts to delete the child’s information from our databases.

8. External Links

When interacting with us you may encounter links to external sites or other online services, including those embedded in third party advertisements or sponsored content which we do not control. We are not responsible for the privacy practices and data collection policies for such third party services. You should consult the privacy statements of those third party services for details.

9. Your Rights

Upon request, SimpleHealthSaving will provide you with information about whether we hold any of your personal information.

Additionally, you may update your name, email address and password by clicking on the “Sign in” or “My Account” link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable timeframe.

We will make reasonable efforts to respond to your request, but cannot guarantee that we will be able to honor your request. For example, we generally will retain your information for as long as your account is active, as needed to provide you services, or for other business purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application and/or exercise your individual rights under HIPAA.

10. Terms of Use

The Terms of Use for interactions with us is incorporated by reference into this Statement and can be found here.

11. Contact

If you have questions regarding this Statement or our privacy practices, please contact us at:

WebIT
Suite 306
5901 NW 183rd St,
Hialeah,
FL 33015

To opt-out of receiving promotional email messages from us, please click on the “Unsubscribe” link contained at the bottom of each email or by contacting us using the information above. To opt-out of receiving satisfaction surveys and/or information on additional products and services from us, you may contact us at the information above. Please note that you will still receive communications from us regarding your insurance quote, application, policy or advanced premium tax credit even if you opt-out of receiving our surveys and/or notices of additional products or services.