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PRIVACY POLICY & TERMS AND CONDITIONS

COOKIE POLICY

Terms and Conditions

Your use of our website and services is subject to the following terms and conditions:

  1. Eligibility: You must be at least 18 years old to use our website and services. By using our website and services, you represent and warrant that you are at least 18 years old.
  2. Ownership: Our website and services, including all content and intellectual property rights, are owned by us or our licensors.
  3. License: We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for your personal, non-commercial use.
  4. Prohibited Conduct: You may not use our website and services for any unlawful purpose or in any manner that could damage, disable, overburden, or impair our website or services.
  5. Disclaimer of Warranties: We make no representations or warranties of any kind, express or implied, regarding our website or services.
  6. Limitation of Liability: We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or services.
  7. Indemnification: You agree to indemnify and hold us harmless from any claim or demand, including reasonable attorneys' fees, arising out of your use of our website or services.
  8. Governing Law: These terms and conditions shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law.
  9. Changes to Terms and Conditions: We may update or modify these terms and conditions from time to time without notice. Your continued use of our website and services after any such updates or modifications shall constitute your acceptance of the updated or modified terms and conditions.

By using our website and services, you acknowledge and agree to these terms and conditions.

Collection of Personal Information

We may collect personal information from you when you interact with our website or use our health insurance services. The types of personal information we collect may include:

  • Contact information, such as your name, address, phone number, and email address
  • Demographic information, such as your age, gender, and ethnicity
  • Health information, such as medical history and insurance claims data
  • Financial information, such as payment card information and billing address
  • Usage information, such as your IP address, browser type, and operating system

We may collect personal information directly from you or from third-party sources, such as healthcare providers or other insurance companies.

We use the personal information we collect to provide our health insurance services, communicate with you about your coverage and claims, and improve our services. We may also use personal information for marketing purposes, such as sending promotional emails or making marketing calls.

We may share personal information with third-party service providers, such as claims processing vendors, marketing agencies, and customer service providers. We require our service providers to use personal information only for the purposes for which it was provided and to maintain appropriate confidentiality and security measures.

We may also disclose personal information in response to a legal request or to comply with applicable laws or regulations.

By using our website and services, you consent to our collection, use, and disclosure of your personal information as described in this policy. If you do not agree to this policy, please do not use our website or services.

Use of Personal Information

We may use personal information that we collect from you for the following purposes:

  • Providing health insurance services to you, including processing claims and administering coverage
  • Communicating with you about your coverage, claims, and other health insurance services
  • Improving our health insurance services, including developing new products and services, and conducting research and analysis
  • Marketing our health insurance services, including sending promotional emails or making marketing calls
  • Complying with legal obligations and responding to legal requests
  • Protecting our rights and the rights of our users

We may also use personal information for other purposes that are compatible with the above purposes or as authorized by you.

We will not use your personal information for any purpose other than those described in this policy without your consent, unless such use is permitted or required by law.

We may aggregate or anonymize personal information for research, analysis, and other purposes. Aggregated or anonymized information does not identify individual users and is not considered personal information under this policy.

By using our website and services, you consent to our use of your personal information as described in this policy. If you do not agree to this policy, please do not use our website or services.

Cookies and Tracking Technologies

We may use cookies, web beacons, and other tracking technologies on our website to improve your user experience and analyze how you interact with our website. Cookies are small text files that are stored on your device when you visit a website. Web beacons are small, transparent images that are embedded in web pages and emails.

We use cookies and tracking technologies for the following purposes:

  • Essential: We use essential cookies to enable basic website functions, such as navigation and access to secure areas of the website. These cookies cannot be turned off without affecting the functionality of the website.
  • Analytics: We use analytics cookies to analyze how users interact with our website, including information about the pages visited, the amount of time spent on each page, and the actions taken on the website. This information is used to improve the user experience and optimize our website.
  • Advertising: We may use advertising cookies to deliver targeted advertisements to users based on their interests and website activity. These cookies may be set by our advertising partners and may collect information about users' online activity.

You can control cookies and tracking technologies through your browser settings. Most web browsers allow you to control cookies through their settings, which may include options to delete or block cookies or to receive alerts before a cookie is stored on your device. Please note that blocking or deleting cookies may affect the functionality of our website.

We may use third-party service providers to assist us with analytics and advertising activities. These third-party service providers may also use cookies and tracking technologies on our website. We do not have access to or control over these cookies.

Updates to this Cookies and Tracking Technologies Policy

We may update this cookies and tracking technologies policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Sharing of Personal Information

We may share personal information with third-party service providers who assist us in providing our services. These third-party service providers are contractually obligated to protect the confidentiality of our users' personal information and are not allowed to use the information for any other purposes.

We may also share personal information with government authorities or law enforcement agencies as required by law or to protect our legal rights.

Security of Personal Information

We take reasonable steps to protect the personal information of our users from unauthorized access, use, and disclosure. We use secure servers and encryption technology to protect personal information during transmission. We also limit access to personal information to employees and contractors who have a need to know the information to provide our services.

Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required or permitted by law. We may retain certain information for recordkeeping purposes, to complete any transactions that you began prior to requesting a change or deletion of your personal information, or for other legitimate business purposes.

Data Subject Rights

You have the right to access, correct, delete, or restrict the processing of your personal information, as well as the right to object to the processing of your personal information. You also have the right to receive a copy of your personal information in a structured, machine-readable format.

To exercise these rights, please contact us at ed@mygovexpert.com. We will respond to your request in a reasonable timeframe and in accordance with applicable law. Please note that we may need to verify your identity before fulfilling your request.

Please note that we may not be able to fulfill certain requests if they would result in a violation of applicable law or adversely affect the rights of others.

Updates to this Data Retention and Data Subject Rights Policy

We may update this data retention and data subject rights policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Changes to Privacy Policy

We may update this privacy policy from time to time. If we make significant changes, we will notify our users by posting a notice on our website or by email.

California Consumer Privacy Act (CCPA) Statement

This section of our privacy policy is specifically for California residents and is intended to comply with the California Consumer Privacy Act (CCPA).

Personal Information Collected

In the past 12 months, we have collected the following categories of personal information from California residents:

  1. Identifiers, such as name, address, and email address.
  2. Characteristics of protected classifications under California or federal law, such as gender and age.
  3. Commercial information, such as purchase history and payment information.
  4. Internet or other electronic network activity information, such as browsing history and interactions with our website.
  5. Geolocation data.
  6. Audio, electronic, visual, thermal, olfactory, or similar information, such as customer service call recordings.
  7. Professional or employment-related information, such as job title and employer.
  8. Education information, such as degree and field of study.
  9. Inferences drawn from any of the above information to create a profile about a California resident reflecting their preferences, characteristics, behavior, and attitudes.

Child Privacy

We do not knowingly collect personal information from children under the age of 18. If we become aware that we have collected personal information from a child under the age of 18, we will take steps to delete the information as soon as possible.

If you are a parent or guardian and believe that your child under the age of 18 has provided us with personal information, please contact us immediately at ed@mygovexpert.com, and we will take steps to delete the information as soon as possible.

Updates to this Child Privacy Policy

We may update this child privacy policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Use and Disclosure of Personal Information

We collect personal information for the purposes of providing health insurance services, processing claims, and communicating with our users about their health insurance policies. We may also use this information for research and analysis to improve our services.

We may disclose personal information to third-party service providers who assist us in providing our services. These third-party service providers are contractually obligated to protect the confidentiality of our users' personal information and are not allowed to use the information for any other purposes.

California Residents Rights

California residents have the right to:

  1. Know what personal information is being collected about them.
  2. Know if their personal information is sold or disclosed and to whom.
  3. Say no to the sale of their personal information.
  4. Access their personal information.
  5. Request the deletion of their personal information.

To exercise these rights, California residents may submit a request by contacting us at ed@mygovexpert.com. We will verify the request before taking any action.

We will not discriminate against California residents who exercise their rights under the CCPA, including denying them access to our services.

Do Not Sell My Personal Information

We do not sell personal information to third parties. However, if we ever engage in such activities, we will provide a "Do Not Sell My Personal Information" link on our website to allow California residents to opt-out of the sale of their personal information.

Updates to this CCPA Statement

We may update this CCPA statement from time to time. If we make significant changes, we will notify our users by posting a notice on our website or by email.

Email Marketing

We may send promotional emails to users who have provided us with their email addresses. If you no longer wish to receive promotional emails from us, you may opt-out of receiving these emails by following the instructions provided in each email or by contacting us at ed@mygovexpert.com.

Please note that even if you opt-out of receiving promotional emails, we may still send you emails related to your health insurance policy or other transactional emails that are necessary for the provision of our services.

We may use third-party email marketing services to send promotional emails. These third-party service providers are contractually obligated to protect the confidentiality of your personal information and are not allowed to use the information for any other purposes.

Please be aware that email is not a secure method of communication, and we cannot guarantee the security of any information transmitted to us via email. If you have any sensitive information to convey, we recommend that you contact us by phone or by mail.

Updates to this Email Marketing Policy

We may update this email marketing policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Calling and Texting

We may contact you via phone or text message for purposes related to your health insurance policy, such as billing, claims, and customer service inquiries. By providing us with your phone number, you consent to receive calls and text messages from us at that number.

Please note that standard message and data rates may apply to text messages. You may opt-out of receiving text messages from us at any time by replying "STOP" to any text message you receive from us or by contacting us at [insert contact information].

We may use third-party calling and texting services to contact you. These third-party service providers are contractually obligated to protect the confidentiality of your personal information and are not allowed to use the information for any other purposes.

Please be aware that phone and text message communications are not completely secure methods of communication, and we cannot guarantee the security of any information transmitted to us via these methods. If you have any sensitive information to convey, we recommend that you contact us by phone or by mail.

Updates to this Calling and Texting Policy

We may update this calling and texting policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Call Recording

We may record phone calls for quality assurance and training purposes. These recordings may include personal information that you provide to us during the call.

By engaging in a phone call with us, you consent to the recording of the call for quality assurance and training purposes.

We may also use call recordings to resolve disputes, investigate complaints, or comply with legal obligations.

We will protect the confidentiality and security of call recordings in accordance with this privacy policy and applicable laws.

If you do not want your call to be recorded, please inform the representative at the beginning of the call, and we will make reasonable efforts to accommodate your request. However, please note that we may not be able to provide certain services or assistance if we are unable to record the call.

HIPAA

The Health Insurance Portability and Accountability Act (HIPAA) is a federal law that sets standards for the privacy and security of individuals' protected health information (PHI). We are committed to complying with HIPAA and protecting the confidentiality and security of PHI that we collect, use, and disclose in connection with our health insurance services.

We may collect and use PHI in connection with providing health insurance services, such as claims processing, customer service, and underwriting. We may also disclose PHI to third parties, such as healthcare providers and business associates, as necessary to provide our health insurance services.

We maintain administrative, physical, and technical safeguards to protect PHI against unauthorized use or disclosure. We also train our employees on HIPAA requirements and maintain policies and procedures for compliance with HIPAA.

Your Rights Under HIPAA

HIPAA provides individuals with certain rights regarding their PHI, including the right to:

  • Access and obtain a copy of their PHI
  • Request that their PHI be amended
  • Receive an accounting of disclosures of their PHI
  • Request that their PHI be communicated by alternative means or at alternative locations
  • Request restrictions on certain uses and disclosures of their PHI

If you have any questions about our HIPAA compliance or your rights under HIPAA, please contact us at ed@mygovexpert.com.

Updates to this HIPAA Policy

We may update this HIPAA policy from time to time. If we make any significant changes, we will notify our users by posting a notice on our website or by email. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Accuracy of Information

We strive to ensure that the personal information we collect and maintain is accurate, complete, and up-to-date. We rely on our users to provide us with accurate and current information, and we encourage our users to update their personal information as necessary.

If you believe that the personal information we have about you is inaccurate or incomplete, please contact us at ed@mygovexpert.com and we will make reasonable efforts to correct or update your information as soon as possible.

We may also periodically review and update our records to ensure that the personal information we have is accurate and complete.

We are not responsible for any errors or inaccuracies in the personal information that you provide to us. It is your responsibility to ensure that the information you provide to us is accurate and up-to-date.

By using our website and services, you acknowledge and agree that we are not responsible for any errors or inaccuracies in the personal information that you provide to us.

Website Accuracy of Information

We strive to ensure that the information on our website is accurate, complete, and up-to-date. However, we cannot guarantee the accuracy, completeness, or timeliness of the information on our website, and we do not assume any responsibility for any errors or omissions in the information on our website.

The information on our website is provided for general informational purposes only and should not be relied upon as legal, financial, medical, or other professional advice. You should consult with a qualified professional for advice on your specific situation.

We may update the information on our website from time to time without notice. We do not guarantee that the information on our website will be free from errors or omissions or that the information will be updated.

By using our website, you acknowledge and agree that we are not responsible for any errors or omissions in the information on our website, and you agree to use the information on our website at your own risk.

Acceptance of this Privacy Policy

By using our website and services, you acknowledge that you have read and understood this privacy policy, and you agree to the collection, use, and disclosure of your personal information as described in this policy.

If you do not agree with this policy, please do not use our website or services.

We reserve the right to modify this policy at any time, so please review it periodically. If we make any material changes to this policy, we will notify you by email or by posting a notice on our website. Your continued use of our website and services after any such changes indicates your acceptance of the updated policy.

Contact Information

If you have any questions or concerns about our privacy policy, please contact Dr. Ed Weir, PhD at 888-817-0446 or ed@mygovexpert.com

Updated March 16, 2023