Web Site Privacy Policy
We are committed to protecting your
privacy.
Any information we collect will be kept
under technological lock and key, and used only to help you find the right
insurance. Below you'll find our official privacy policy. If you have any
additional questions about how we safeguard your information, call us at
800-799-3009.
Web Site Privacy Policy
This is the privacy policy ("Privacy
Policy") for the Health-First-Online.com site (the "Site"). This Privacy Policy
sets forth our policies regarding the collection, use and disclosure of certain
information relating to your use of the Site. Your use of this Site signifies
your understanding and acceptance of the terms of this Privacy Policy.
This Privacy Policy is
incorporated into, and part of, the
Terms and Conditions,
which govern your use of the Site in general.
Age Requirement for Use of Site:
This Site is not intended for use by persons under the age of 18 years old. You
must be 18 years old or older to provide any personal information to the Site,
or to us through the Site.
Domicile Requirement for Use of
the Site: You represent and warrant that you are domiciled in the
United States.
1. Collecting Information:
Personally Identifiable Information
The Site may request and collect certain personally identifiable information
including, but not limited to, Application Data and other personal information
contained in User Submissions, through various means such as online forms,
online applications, e-mail and comments submitted to the Site. Such information
collected through the Site may include financial information, health-related
information, and other sensitive information.
Other than as set forth in this Privacy Policy, and unless given permission
by you to do so, we will not sell or disclose your personally identifiable
information to third parties.
Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via the
Site, such as Site usage activity and preferences, also known as demographic or
profile data.
Why must you give so much personal information?
Insurance companies establish their rates using a variety of criteria. Since we
deal with hundreds of companies, we must ask you questions required by all of
them to determine the most competitive match for you.
NOTICE OF CONSUMER REPORT PRACTICES
IMPORTANT: All proposed
named insured's listed on this application must be made aware of the following:
In some cases, insurance companies may
need to obtain additional background information about you. As an example
Consumer reports may be ordered in connection with your insurance application.
These reports provide information that may assist in determining your
eligibility for insurance and the price you may be charged. Consumer reports
may also be used for updates, renewals or extensions of this insurance. The
insurance company may also obtain and use a credit-based insurance score based
on information contained in your credit report. The insurance company may use a
third party in connection with the development of the insurance score.
Site Technology
As with many Web sites, we may use "cookies" and/or other technology (e.g., web
bugs, e-mail bugs, clear GIFs, web beacons and tracker GIFs) in the Site or in
our communications with you to enhance the functionality of the Site and to make
your transactions and other activities more convenient and efficient
(collectively, "Tracking Technologies"). These technologies may vary, but in
some cases may involve a small file stored locally on the computer used to
access the Site, and may be used by us to store and collect information relating
to your viewing and use of the Site and our correspondences with you. You may
set your web browser software not to accept cookies, but, if so, certain
functionality of the Site may be affected. We may collect your IP (Internet
Protocol) address to help diagnose problems with our server, administer our Site
and identify our users. We may also use such technologies to remember user
preferences or minimize the need for you to re-enter information.
Third parties (including, but not limited to, software vendors, advertisers and
fulfillment companies) may also use Tracking Technologies by or through the
Site. We have no control over what information such third parties track or
collect, and we have no responsibility or liability for any tracking, data
collection or other activities of such third parties.
2. Usage and Sharing:
We use information collected on and through this Site for a variety of purposes
in the course of business and as otherwise set forth herein. For example, such
information may be used to process your applications to receive quotations or to
send you information about our and our affiliates' products and services and
other information and materials that may be of interest to you. This information
may also be used to evaluate what portions of the Site are more popular than
others, determine where visitors came from, where they go, and how long they
stay on a particular page, or the Site in general. We may match information
collected from you through different means or at different times, and use such
information along with information obtained from other sources, including third
parties.
Application Data may be forwarded to insurance agents, discount program
representatives, brokers and/or companies who may contact you with a quote by
email, telephone, postal mail or other forms of communication. We are not
responsible, and shall not be liable, if an agent, broker, discount program
representative or company to whom we forward your Application Data violates our
Privacy Policy or their own privacy policy, if any.
We may disclose your personal information to companies that perform technology
or marketing services for us for their use in performing such services. We may
transfer, sell or assign aggregate, non-personally identifiable information
about Site usage to third parties. We may transfer, sell or assign personal
information to third parties as a result of a sale of all or substantially all
of our assets relating to this portion of our business or in connection with a
merger, consolidation, change in control, reorganization or liquidation. We also
reserve the right to disclose any information concerning you if required by law
or to protect or defend our rights or the rights or well-being of our users or
if you are involved (or are reasonably suspected to be involved) in any illegal
activity, even without a subpoena, warrant or court order.
3. Opt-Out:
If you would like to opt not to receive promotional or marketing material from
us in the future, please send an e-mail to healthfirst@health-first-online.com.
However, your option not to receive promotional and marketing material: (a)
shall not preclude us from corresponding with you, by e-mail or otherwise,
regarding your existing or past relationship with us (e.g., your pending or past
applications or our responses to questions or inquiries you pose to us), and (b)
shall not preclude us, including our employees, contractors, agents and other
representatives, from accessing and viewing your personal information in the
course of maintaining and improving the Site.
4. Security:
The application form on the Site supports encryption to help protect the
security of your transfer of data to the Site. Although we will take all
reasonable security precautions regarding information stored on the Site, due to
the open nature of the Internet, we cannot guarantee that any information stored
on our servers, or transmitted to or from a user, will be free from unauthorized
access, and we disclaim any liability for any theft or loss of, unauthorized
access or damage to, or interception of any data or communications. By using the
Site, you acknowledge that you understand and agree to assume these risks.
5. Consent to Processing:
By providing any personal information to this Site, you fully understand and
unambiguously consent to the transfer of such personal information to, and the
collection and processing of such personal information in, the United States and
other countries or territories.
By submitting this information you are authorizing Brokers, Agents, discount
program representatives and/or Insurance Professionals in the Health-First-Online.com network
to contact you directly with quotes via telephone, fax, and email, regardless of
the presence of your phone number(s) on any local or national no-call list.
6. Links:
This Site may contain links or references to other Web sites outside of our
control. Please be aware that we have no control over these sites and our
privacy policy does not apply to these sites.
7. Your Acceptance of this
Policy:
By using this Site, you signify your acceptance of our Privacy Policy. If you do
not agree to this policy, please do not use our Site. We reserve the right, at
our discretion, to change, modify, add, or remove portions from this policy at
any time so visitors are encouraged to review this policy from time to time.
Your continued use of our Site following the posting of changes to these terms
means you accept these changes.
Should you have any other questions
about our Privacy Policy, please call us at 800-799-3009. |
