Effective: February 12, 2014
TYPES OF INFORMATION THAT MAY BE COLLECTED
When you visit the Site, we may collect personal information that you voluntarily provide to us, such as your name, email address, telephone numbers, physical address, gender, zip code, health information, medical condition, or other information voluntarily provided by you to the Site.
We also collect any content that you submit to the Site, such as surveys and questionnaires, including personal information that is included in such content.
We may passively collect certain types of information whenever you visit the Site. For example, we may collect click-stream data, your IP address and other usage information sent to us by your browser or device.
In addition, we may receive information about you from other third-party sources and add it to the personal information you have provided us.
We may also collect aggregated information as you visit the Site.
HOW INFORMATION MAY BE COLLECTED
We may request personal information from you via online forms, questionnaires, surveys or voting polls. Participation is voluntary and you will have the opportunity to decide whether or not to disclose information. At times, you may have to register to vote or to take part in a survey.
This Site is cookie-enabled to give you a more customized user experience. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. Cookies are used to collect information on the number of visitors to our site and the number of pages viewed. It is also used to provide relevant information to our visitors and for website and system administration, including research and development, user analysis and business decision-making.
Other Web Tracking Technologies We may use web beacons and other standard Internet technologies to track your use on the Site. Web beacons (also known as clear gifs, pixel tags, targeting and re-targeting pixels, third party pixels or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon.
HOW WE USE THE INFORMATION COLLECTED
We own the information collected via this Site. As applicable, the information you provide to us may be used to:
- deliver the services you requested;
- contact you about the Site;
- monitor or improve the use of the Site;
- customize the advertising and content you see;
- provide special offers to you from us and/or affiliates and subsidiaries or other third parties;
- develop new offerings on the Site;
- send you promotional material on behalf of our business partners;
- develop and display content and services tailored to your interests on our website and other websites;
- develop and deliver targeted advertisements;
- measure the overall effectiveness of our online advertising and content;
- research and analyze your use of, or interest in, our products, services and content and the products, services and content offered by others;
- communicate with you about products or services that may be of interest to you.
WITH WHOM THE INFORMATION MAY BE SHARED
We may share your personal information with others for various purposes, including direct marketing purposes. We may share your information (including, without limitation, personal information) with our subsidiaries and affiliates.
We employ from time to time other businesses, certain services and individuals to perform functions on our behalf. Examples include sending e-mail, removing repetitive information from customer lists, maintaining databases, Site analysis, analyzing data, providing marketing assistance, implementing advertising strategies, and providing customer service. These entities have access to personal information needed to perform their functions, but may not use it for other purposes.
Expressions of Interest or Requests for Information or Quotes
When you submit a request for information, quotes or offers or make an expression of interest regarding a type of product or service (by, for example, completing a form or questionnaire), we may share your request or expression of interest and the information you provide (including your personal and medical information) with third party businesses who market, offer or provide such products or services or may be able to provide you the quotes or other information you express interest in, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, "Business Providers"). When you submit a request for information, quotes or offers or make an expression of interest regarding a type of product or service, you authorize us to provide your personal information (including any medical information you provide) to those Business Providers and to allow them to contact you directly.
If you submit a request for quotes or information for an insurance product, we will disclose/forward your personal information to insurance companies, insurance agents or agencies or insurance brokers who are interested in contacting you to provide the requested quotes or information and market insurance product or services to you.
Sale of Health Information
We may transfer the personally identifiable health information that you voluntarily provide us to third-parties, such as companies that offer, market or provide health insurance products and services, for their direct marketing purposes. These companies may retain your information whether or not you use their services or buy their products and you should review their privacy policies for information regarding their use of your information.
We may send offers by email to you on behalf of other partners. If you do not want to receive such offers, you may opt out by following the “Unsubscribe” link contained in the email. We are not responsible for the privacy practices of these other companies, and you should review the privacy practices of such Web sites prior to providing your personal information.
We may share aggregate information such as demographics and Site usage statistics with advertisers, sponsors or other organizations. When this type of information is shared, the other parties do not have access to your personal information.
The Site may be sold along with its related assets, or other transactions may occur in which your personal information is one of the business assets transferred, including a sale in bankruptcy or a sale or reorganization of all or part of our business. In such a case, your personal information, which we have gathered, may be one of the business assets we transfer.
In the event we are required to respond to subpoenas, court orders or other legal process your personal information may be disclosed pursuant to such subpoena, court order or legal process, which may be without notice to you.
We may also share your personal information to protect our rights or business interests, or the rights of third parties.
By using this site you agree to receive email communications from us. When you open emails from the Site, we may receive a confirmation noting you opened an email from us, if your computer supports such capabilities. We also may keep track of what emails we send you and what emails you may be receiving from us and our subsidiaries and affiliates. We also may keep track of what emails you send to us.
INTEREST BASED ADVERTISING
We may partner with third-party service providers to serve ads on our behalf on non-affiliated third party sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information we or the online advertising network serving the ad collect about your online activities here and elsewhere over time. For example, anonymous information collected across multiple sites that you visit over time may enable the ad network to predict your preferences and show you ads that are most likely to be of interest to you. Please note that we do not share any information that identifies you personally with the third party service providers who serve ads on our behalf.
To opt out of these types of ads, please visit the Network Advertising Initiative for information about how to opt-out of interest-based advertising by their members. See http://www.networkadvertising.org for general information about the NAI and http://www.networkadvertising.org/managing/opt_out.asp for the opt-out page. You may also visit http://www.aboutads.info/consumers/ to learn about online behavioral advertising and how to opt-out from online behavioral ads served by some or all participating companies.
THIRD PARTY LINKS
YOUR CALIFORNIA PRIVACY RIGHTS
COLLECTION OF MEDICAL INFORMATION
By using this site, you agree that we may use the personal medical information submitted by you through this site for direct marketing purposes and may disclose or sell your medical information to third parties for such purposes.
CORRECTION/UPDATING PERSONAL INFORMATION