The National Association for Healthcare Consumers (the “Company”) is the d/b/a or assumed name of Innovative Benefit Solutions, Inc. which is licensed as an insurance agency in all 50 states and the District of Columbia.
This Policy tells you, among other things, what information we gather from you through our Web Site, how we may use or disclose that information, and our efforts to protect it.
In connection with your use of our Web Site, we may collect the following information:
We use the personally identifying information you voluntarily provide to register you as a user of the Web Site, to administer Web Site usage and monitor traffic-levels, and to contact you regarding improvements we can make to our Web Site and our services, if necessary. We may also use the information you provide to contact you directly regarding services, products or information that we believe may be of interest to you. Except as disclosed in this Policy, we will not use your information for any purpose that you have not expressly authorized.
From time to time, we may also disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent harm.
If we propose to disclose your information to a third party that is acting as our agent or on our behalf, we will ensure that the third party has agreed to assure adequate protection of your information.
Your account containing your information is password-protected. Only those who log on with your password can access your account. We have taken appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction. However, please remember that you play a valuable part in security as well. You are responsible for protecting your password for accessing your account. After you have finished using the Web Site, you should log off and exit your browser so no unauthorized persons can use our Web Site with your name and account information. Furthermore, if you provide any information to parties who operate web sites that are linked to or from our Web Site, different rules may apply to their collection, use, or disclosure of your personal information. We encourage you to review the privacy policies of such other sites before revealing any sensitive or personal information. Regardless of the precautions taken by you or by us, “perfect security” does not exist on the Internet. We cannot ensure or warrant the ultimate security of any information you transmit.
A cookie is a small data file that certain web sites write to your computer’s hard drive when you visit those sites. A cookie file can contain information such as a user ID that a web site uses to track the pages you have visited. A persistent cookie allows the web site to remember you on subsequent visits. We do set persistent cookies.
We do not partner with or have special relationships with any ad server companies.
NAHC is concerned about the safety of children and their use of the Internet. This Web Site is not directed at children under the age of 18 and NAHC does not knowingly receive, collect or use any personal or health-related information or data from children under the age of 18 for any purpose, including for any marketing purpose without prior parental consent. As used in these terms and conditions: (i) personal information includes any individually identifiable information, such as name, address, social security number, email address, or any combination of identifiers, and (ii) health information includes any information relating to health, nutrition, drug use, physical condition, mental health, medical history, or medical insurance coverage. If NAHC receives actual knowledge that we have received any such personal information without the required verifiable parental consent, we will delete the information from our database as soon as we practically can.
In the event that ownership of NAHC was to change as a result of a merger, acquisition or transfer to another company, personal information that you provide to NAHC through this Web Site may be transferred. If such a transfer results in a material change in the use of your personal information, NAHC will provide notice about your choices to decline to permit such a transfer.