 HCIUSA.COM ->About HCI ->Privacy Statement
Privacy Policy
Health Care Insurers ("we"/"our"/"our company") take
your ("you"/"your"/"your company") privacy seriously. Because we value our
customer relationships, we do not sell customer information. We will only
share your information for the purposes of providing services which you have engaged
us to perform on your behalf, such as placing your insurance, and/or providing you
with insurance-related products and/or services, as applicable, and as otherwise
permitted or required by law.
This Privacy Policy outlines our information sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and
the measures we take to protect the confidentiality of that information.
Your Confidential Information
Your Confidential Information includes, but is not limited to, Protected Health
Information, Nonpublic Personal Financial Information, and/or Trade Secrets.
You do not have to provide us any Confidential Information in order to visit our
Web site. We may request Confidential Information from you at our site in order
to deliver requested materials to you and deliver an insurance- or benefits-related
service. We do not sell your Confidential Information to others under any circumstances.
We collect only that amount of Confidential Information which you choose to provide
to us. By using our Web site you agree to the uses of your Confidential Information
described in this notice. If at any time this policy changes, those changes will
be posted on this page of our Web site, so that you are aware of our intent to better
protect your privacy.
Confidentiality Practices
Generally, we support the concept of non-disclosure of your Confidential Information.
We also hold our business associates and our affiliates to similar confidentiality
standards. Your Confidential Information must be used and disclosed in a manner
consistent with applicable laws and regulations, contractual obligations, and our
company's policies and procedures.
Protected Health Information is defined as individually identifiable health information
that is held or transmitted by our company in performance of our contractual obligations
with clients. This type of information includes information in electronic, paper
and oral form. Protected Health Information may be used and disclosed solely for
our company's business activities related to health care operations.
Nonpublic Personal Financial Information is defined as including confidential information
of a financial nature that is shared by a current, prospective or prior client with
us in the course of providing products and services to that client. This type of
information is not otherwise available to the public and includes, but is not limited
to, the following: credit history, financial benefits, business records, accounting
information involving the client, contracts in which the client is a party, claims
which the client is a party to, client’s policy information, and any other data
of the client’s that is financial in nature.
Trade Secrets are defined to include any proprietary information of our current,
prospective or prior client that is obtained through the course of our business
activities with that client, through the provision of products and services provided
by us to the client. This information is not otherwise available to the public and
includes, but is not limited to, the following: business records, contracts, claims,
products, business methods, data processing procedures, marketing strategies, pending
projects or proposals, mailing lists, and any other information related to a client’s
activities, products or services, which may or may not be protected by the United
States Patent and Trademark Office.
Information We Collect
We know how important your privacy is to you and we appreciate you trusting us to
handle your Confidential Information responsibly and with integrity. We collect
Confidential Information about you as required by insurance companies, including,
but not limited to, the following:
Information we receive from you on applications or required questionnaires, such
as your occupation, current employer and social security and driver’s license numbers;
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Information about your transactions with us, our affiliates, or previous insurers,
such as your policy coverage, claim information, premiums and payment history;
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Information we receive from a consumer-reporting agency, obtained for the purpose
of ascertaining credit histories. These reports are obtained as underwriting tools
to determine bill paying habits and credit worthiness. These reports are not subject
to race, gender or income. Motor vehicle reports may also be requested to disclose
driving history.
The information we collect is limited to the data elements on the prescribed forms.
In the course of conducting our business, we may share information you provide to
us strictly on an as-needed basis or otherwise required by law. In certain situations,
and in no event contrary to applicable public policy, we would share information
about you to: 1) our affiliated companies in order to provide a service to you;
2) a third party if reasonably necessary to enable them to perform services for
us such as claims inquiries, appraisals, or the detection of fraud or material representations;
3) governmental authorities only to the extent that we are required to disclose
any such Confidential Information pursuant to the legal process we receive from
such governmental authority; 4) persons or organizations conducting legitimate research.
For certain online services on our site, such as live chat or webcasts, we will
ask for information about you such as your name, business, and e-mail address.
In cases where we use a third-party vendor to provide these online services, the
vendor has agreed to keep your information confidential.
Online Tracking
Click Streams
We may capture click streams to help us learn what parts of our Web site are
most popular and among which audiences. We may also use them to help us optimize
our user interface, to analyze site usage statistically, to improve content, and
to customize our Web site's content and layout. In short, we use this information
to allow us to tailor our Web site and to meet your needs better. We analyze click
stream data to track trends and behaviors, not individuals. We are interested in
our audience size, return visit rate, and similar data on an aggregate basis. We
also capture date and time information of visits, pages visited, and the time you
spend with us.
Cookies
Cookies are pieces of information that a Web site transfers to your computer's
hard drive for record-keeping purposes. They can make the site more useful by storing
information about your preferences at our Web site. It is almost standard for any
interactive Web site to use cookies. Cookies do not identify a user, but they do
identify a user's computer. Most browsers are set up to accept cookies. If you prefer,
you can set your browser to refuse cookies, but some online services on our Web
site will not function without them.
We do not use cookies to track or report on activity when you are not on our Web
site or to provide such information to other parties. We do not use cookies to collect
personal information such as your e-mail address, and we do not combine information
collected through cookies with your Confidential Information. We make no attempt
to look at or examine other cookies or information that may be stored on your computer.
Information We Share
We do not use, disclose, sell or transfer any Confidential Information without consent
unless required or permitted by law or regulation. In cases of permitted disclosure,
we will disclose information in compliance with applicable laws and regulations
and will require the recipient to protect the information and use it only for the
purpose provided.
For example, we may disclose your Confidential Information in order to market your
insurance coverage directly with insurers and providers. We also may disclose your
Confidential Information we collect, as described above, to companies that perform
marketing services on our behalf or to other insurers or providers with whom we
have joint marketing agreements.
Information Security
We restrict access to your Confidential Information to our employees who need to
know such information in order to provide you with the insurance products or services
which you have engaged us. We maintain physical, electronic, and procedural safeguards
that comply with U.S. federal and state regulations to guard your Confidential Information.
Correcting or Removing Your Personal Information
If you would like to correct the Confidential Information you have provided to us,
or to request that we remove your information from our records, e-mail us at
hci-info@hciusa.com with
the correction or removal request.
Links to Other Sites
We may provide links to other Web sites not owned or controlled by us that we think
might be useful or of interest to you. We are not, however, responsible for the
privacy practices used by other Web site owners or the content or accuracy contained
on those other Web sites. Links to other Web sites do not constitute or imply endorsement
by us of those Web sites, any products or services described on those Web sites
or any other material contained in them. Contact those Web sites directly for their
individual privacy policies.
Changes to Our Privacy Policy
We reserve the right to make changes to our Privacy Policy at any time. We encourage
you to review the Web site and the Privacy Policy in particular periodically for
any updates or changes. Your continued access or use of this Web site shall be deemed
your acceptance of all terms and conditions contained in this Privacy Policy.
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