Our Private Exchange values you, respects your privacy and protects your personal information. This statement is provided on behalf of our exchange and its affiliates. We would like to explain how we collect, use and share the information we obtain about you in the course of doing business.
Our Privacy Assurance
We do not sell your personal or medical information to anyone.
We do not share your information with non-affiliate companies that would use it to contact you about their own products and services, unless permitted pursuant to a joint marketing agreement.
We require persons or organizations that represent or assist us in servicing your policy and claims to keep your information confidential.
We require our employees to protect your personal information and keep it confidential.
Protecting your personal information is important to us. In addition to the practices described above, we use a variety of physical, technical and administrative security measures that help to safeguard your information. For Social Security Numbers (SSN), this includes restricting access to our employees, agents and others who use your SSN only as permitted by law, such as to comply with the law, to provide you with products and services or to handle your claims. Our privacy practices continue to apply to your information even if you cease to be a Private Exchange customer.
What Personal Information Do We Have and Where Do We Get It
Evaluate our marketing campaigns
Develop new services
Know how many visitors have seen or clicked on our ads
How We Use and Share Your Personal Information
Through the course of normal business activities, we use and share your personal information with insurance companies as requested by you. We may provide your infomration to persons or organziations within and outside of the Private Exchange, solely for the purposes selling or services your insurance policy or policies. This will be done as required or permitted by law. For example, we may do this to:
Fulfill a transaction you requested or service your policy
Market our products
Handle your claim
Comply with requests from regulatory and law enforcement authorities
Participate in insurance support organizations
The persons or organizations with whom we may share your personal information may include, among others:
Your agent or broker
Companies that provide services or communication on our behalf
Other financial institutions with whom we have a joint marketing agreement to provide you with better service.
Other insurance companies that play a role in an insurance transaction with you
A business or businesses that conduct actuarial or research studies
Those who request information pursuant to a subpoena or court order
The Internet and Your Information Security
Our web sites, including americanhealthinsuranceexchange.com and ahipe.com, provides information about us, our products, and the agencies and brokers that represent us. You may also perform some transactions on the website. This Privacy Statement applies to users of our sites, regardless of whether the user is a Private Exchange customer.We use analytics and other technology to help us provide users with a better service and a more customized web experience. We may also use customer information to send you promotional communications about products, features, and options that we believe may be of interest to you. If we have your e-mail address, we may do this by e-mail. If you do not wish to receive promotional e-mails from us, please contact us..
How You Can Review and Correct Your Personal Information?
You can request to review your personal information contained in our records at any time. To do this, please send a letter to the address below requesting to see your information for the previous two years. If you believe that our information is incomplete or inaccurate, you can request that we correct it. Please note we may not be able to provide information relating to investigations, claims, litigation, and other matters, as you will need to request that information directly from the insurance company. We will be happy to make corrections whenever possible. Please send requests to us in writing or by email.
Who Should Use Our Website?
Our Website is for insurance and financial products and service. In the case of legal minors, we will only collect information directly from the minor's guardian.
What Security Procedures Do We Use to Guard Against the Loss, Misuse, Alteration, or Theft of Information While That Information Is Being Submitted to AHIE Over the Internet?
To help ensure the security of your personal and financial information that you submit to this site, (other than via an e-mail message), we use security software to encrypt the information before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. If your browser is not compatible, you will receive a message indicating your transaction can be completed but at a lower level of security. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
E-mail messages are not secure. Our security software does not encrypt e-mail messages. E-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet. You should exercise discretion with respect to the submission of any personal or financial information via e-mail.We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail messages.
What Can You Do as a Customer to Help Maintain the Security of Information When Accessing the Private Exchange Over the Internet?
Some steps you can take to maintain the security of your information include:
Utilize the latest, updated version of your Web browser.
Keep your User ID and PIN or password confidential. Utilize a PIN or password unique to you and, if possible, change it frequently.
Make sure others are not watching you enter your User ID, PIN or password on your keyboard when using the Customer Care Center or when using other protected areas of this or any other website.
Do not leave your computer unattended while logged into any protected areas of americanhealthinsuranceexchange.com or any affailated websites. After you've finished accessing your information, exit the protected area and close your browser window.
Whose Privacy Statement Applies to Links and Co-Branded Sites?
Our Private Exchange provides links to other sites as a convenience to persons who visit the our web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may be shared with our Private Exchange). Please be aware that our Private Exchange is not responsible for the privacy practices of those sites. We encourage you to be aware when you leave our site and to read the privacy policies of every website that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this website.
Your Preference for Sharing Personal Information
We would like to share your personal information with one or more Private Exchange affiliates in order to make you aware of different products, services and offers they can provide. However, you can request that the Private Exchange and its affiliate companies do not share your personal information with our affiliates for marketing products and services. To request that we not allow other affiliates to use your personal information to market their products and services, you can contact us by postal service or by email. Please keep in mind that it may take up to four weeks to process your request. If you previously contacted us and asked us not to allow other affiliates to use your personal information, your previous choice still applies and you do not need to contact us again. If you would like to change your previous choice please do so at any time. Please note that the Private Exchange "do not call list" is limited to promotional calls and does not include contacting you regarding implementation or service of your insurance policy with us.
We hope you have found this Important Notice helpful. Please be aware that we may periodically update or revise this Privacy Statement.
We Appreciate Your Business. Thank you for choosing our Private Exchange.
We understand your concerns about privacy and confidentiality and hope this notice has been helpful to you. We value our relationship with you and look forward to providing you with quality insurance products for your personal or business needs. If you have questions or would like more information, please don't hesitate to contact us.
We reserve the right to change our Privacy practices, procedures, and terms. Copyright, 2014. All Rights Reserved.
State Specific Information
For California residents: Pursuant to California law, we need to disclose to you that we would obtain your consent before sharing medical information for marketing purposes.
For Montana residents:Pursuant to Montana law, you may also request a record of any disclosure of your medical information during the preceding three years. Please send requests to us via postal service.
For Nevada Residents:Our Private Exchange is committed to serving you when and where you prefer as we help you protect what you have today and prepare you for the future. To that end, and as Nevada law requires, if you do not want to receive sales calls from our Private Exchange, you have the option to be placed on our internal "do not call" list. (Please disregard this notice if you have already been added to our Private Exchange's internal "do not call" list.) You may make this request in the following convenient ways: in writing or by email. Please be sure to provide us with your name, address and all telephone numbers you wish to include on our list. If you have questions about this notice, you may contact us at the address listed above or you may also contact the Nevada Attorney General's office at:Office of the Nevada Attorney General Bureau of Consumer Protection 555 E.Washington Avenue.; Suite 3900 Las Vegas, NV 89101 Phone: (702) 486-3132 Email: BCPINFO@ag.state.nv.us
For Vermont residents:We won't share your personal information with companies for marketing purposes except as allowed by Vermont law.