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Privacy & Policy

PRIVACY POLICY

Last Modified July 30, 2020

INTRODUCTION

Your privacy and the security of your personal information are very important to us. This Privacy Policy describes how we collect, store, use, and disclose Personal Data from users of the Website. This Privacy Policy is incorporated into and made part of both the Terms located at https://www.transparenthealthplans.com/term. All capitalized terms not defined herein are defined in the Terms.

We may amend this Privacy Policy from time to time. We will post any changes to this Privacy Policy here so that you always know what information we gather, how we might use that information, and whether we will disclose that information to anyone. Please refer back to this Privacy Policy on a regular basis. By using the Website, you acknowledge that you accept the practices and policies outlined in this Privacy Policy and you hereby consent that we will collect, store, use, and disclose your personal information in the following ways. If you do not agree with any practices in this Privacy Policy, please do not use the  Website.

DEFINITIONS

The following definitions, as used in this Privacy Policy, shall have the meanings specified below:

a. “ Cookies” are pieces of information that may be placed on a website for the purpose of facilitating and enhancing your use of that service. Cookies are considered personal information under GDPR (European General Data Protection Regulation). We use cookies to make navigation easier and analyze your usage of our Website.

b. “Data Controller” is a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

c. “Data Processor” (or third-party service providers) is any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Data Processors in order to process your data more effectively.

d. “Personal Data” is data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

e. “Usage Data” is data that shows us how you use our Website and is collected automatically when you use the Website.

f. “User” is any living individual who is using our Website and is the subject of Personal Data.

TYPES OF DATA COLLECTED

We collect several different types of data from:

1. Personal Data

While using our Website, we may ask you to provide us with certain Personal Data that can be used to contact or identify you ("Personal Data"). Personal Data may include, but is not limited to: email address, first name, and last name, phone number, mailing address, billing address, gender, date of birth, and cookies. Additionally, we may collect the entity’s tax ID number, or social security number (from individuals), and business name and location from Service Providers and Brokers.

2. Usage Data

We may also collect information on how the Website is accessed and used ("Usage Data"). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, unique device identifiers, diagnostic data, the pages of our Website that you visit, the time and date of your visit, and the time spent on those pages.

3. Location Data

We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Website, to improve and customize our Website. You can enable or disable location services when you use our Website at any time by way of your device settings.

4. Tracking & Cookies Data

We use cookies and similar tracking technologies. Cookies allow you to proceed through many pages of the Website quickly and easily without having to authenticate or reprocess each new area you visit. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags, and scripts to collect and track information and to improve and analyze our Website.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.

Examples of Cookies we use: session Cookies (to allow you to be recognized within the Website so any page changes or item or data selection you do is remembered from page to page), preference Cookies (to remember your preferences and various settings), security Cookies (to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties).

5. Feedback/Review

If you leave any feedback or review about Services or Service Providers (“Review”) on the Website, you hereby assign to THP all rights in the Review and agree that THP shall have the right to use such Review and related information in any manner it deems appropriate. We will treat any Review you provide to us as non-confidential and non-proprietary. You agree that you will not submit to us any information or ideas that you consider to be confidential or proprietary.

USE OF DATA

THP uses the collected data for the following purposes:

a. To provide and maintain our Website,

b. To notify you about changes to our Website,

c. To allow you to participate in interactive features of our Website when you choose to do so,

d. To provide customer support,

e. To gather analysis or valuable information so that we can improve our Website,

f. To monitor the usage of our Website,

g. To detect, prevent, and address technical issues,

h. To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data Under the General Data Protection Regulation

(GDPR)

If you are from the European Economic Area (EEA), THP’s legal basis for collecting and using your Personal Data depends on the Personal Data we collect and the specific context in which we collect it.

THP may process your Personal Data because:

1.  We need to perform a contract with you,

2. You have given us permission to do so,

3.  The processing is in our legitimate interests and it is not overridden by your rights,

4. For payment processing purposes,

5.  To comply with the applicable law.

Retention of Data

THP will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

THP will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

DISCLOSURE OF DATA

1. Business Transaction

If THP is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

2. Disclosure for Law Enforcement

Under certain circumstances, THP may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

3. Legal Requirements

THP may disclose your Personal Data in the good faith belief that such action is necessary to:

a. To comply with a legal obligation,

b. To protect and defend the rights or property of THP,

c. To prevent or investigate possible wrongdoing in connection with the Website,

d. To protect the personal safety of users of the Website or the public,

e. To protect users of Websites or THP against legal liability.

SECURITY OF DATA

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. THP aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

a. The right to access, update, or delete the information we have on you. Whenever made possible, you can access, update, or request the deletion of your Personal Data directly within your Account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

b. The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

c. The right to object. You have the right to object to our processing of your Personal Data.

d. The right of restriction. You have the right to request that we restrict the processing of your Personal Data.

e. The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable, and commonly used format.

f. The right to withdraw consent. You also have the right to withdraw your consent at any time where THP relied on your consent to process your Personal Data.

Please note that we may ask you to verify your identity before responding to any requests. You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Data Processors (Third Parties)

We may employ third party companies and individuals to facilitate our Website ("Data Processors"), provide the Website on our behalf, perform Website-related services or assist us in analyzing how our Website is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

1. Stripe

Stripe is a third-party payment processing company. We will not store or collect your payment card details, because that information will be collected directly by Stripe. This payment processor adheres to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express, and Discover. PCI-DSS requirements help ensure the secure handling of payment information. In order to see how Stripe uses your financial information, refer to Stripe’s Privacy Policy found at https://stripe.com/us/privacy

2. Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js,analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

3. Behavioral Remarketing

THP uses remarketing services to advertise on third party websites to you after you visited our Website. We and our third-party vendors use cookies to inform, optimize, and serve ads based on your past visits to our Website.

4. Google Ads (AdWords)

Google Ads (AdWords) remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

5. Bing Ads Remarketing

Bing Ads remarketing service is provided by Microsoft Inc.

You can opt-out of Bing Ads interest-based ads by following their instructions:

https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

You can learn more about the privacy practices and policies of Microsoft by visiting their Privacy Policy page: https://privacy.microsoft.com/en-us/PrivacyStatement

6. Twitter

Twitter remarketing service is provided by Twitter Inc.

You can opt-out from Twitter s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405

You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

7. Facebook

Facebook remarketing service is provided by Facebook Inc.

You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950

To opt-out from Facebook s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217

Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook s Data Policy: https://www.facebook.com/privacy/explanation

8. Pinterest

Pinterest remarketing service is provided by Pinterest Inc.

You can opt-out from Pinterest s interest-based ads by enabling the "Do Not Track" functionality of your web browser or by following Pinterest instructions: http://help.pinterest.com/en/articles/personalization-and-data

You can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page: https://about.pinterest.com/en/privacy-policy

LINKS TO OTHER SITES

Our Website may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third party sites or services.

CHILDREN S PRIVACY

Our Website does not address anyone under the age of 18 ("Children"). We do not knowingly collect Personal Data from anyone under the age of 18. If you are a parent or legal guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

OPT-OUT

You may receive updates, notifications, newsletters, surveys, offers, and other promotional materials from us either via your email or the Website. You may indicate a preference to stop receiving further communications or notifications from us by following the unsubscribe link provided in the e-mail you receive. Despite your indicated preferences, we may send you service-related communication, including notices of any updates to our Terms, Disclaimer, or Privacy Policy.

CONTACT US

If you have any questions about this Privacy Policy, please contact us:

By email: support@transparenthealthplans.com

By visiting this page on our website: http://www.transparenthealthplans.com/contact_us

By phone number: 877-847-0847

By mail: 551 New Brunswick Ave, Perth Amboy NJ 08861, United States

Live Chat
1-877-847-0847