(Last updated 06/25/2007)
At Health Benefits Direct Corporation (including its subsidiaries and affiliates, we, us, or our), we are sensitive to the privacy concerns of our customers and other visitors to our Website. In an effort to underscore our commitment to privacy and create the most enjoyable user experience possible, we have developed this Privacy Policy to inform you about our privacy practices.
This Privacy Policy will inform you about:
- The information about you that we collect
- How we use the personal information we collect
- Your ability to opt-out of future communications
- The ways in which we protect your personal information
- How we will keep you informed about future changes to this Privacy Policy
This Privacy Policy applies to www.healthbenefitsdirect.com and www.hbdc.com (our Website), which are mirror sites of one another operated by Health Benefits Direct Corporation, 150 North Radnor-Chester Road, Suite B101, Radnor, Pennsylvania 19087. Any questions regarding this Privacy Policy should be directed to privacy@hbdc.com. By visiting our Website you acknowledge that you have read, understand and agree to the terms and conditions of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, then do not continue with this process and do not provide your information to us, in which case we will not be able to provide you with any quotes or related information on insurance and/or related products.
Our Website is not directed at children. You must be at least 18 years old to use our Website. We ask that minors under the age of 18 do not submit any personal information to us. We do not knowingly collect or use personal information about visitors under 18 years of age.
Please note that our Website contains links to other websites. We are not responsible for the privacy practices, privacy statements, or content regarding websites maintained by other companies or organizations. We encourage you to read the privacy policies of any linked websites as their information privacy practices may differ from ours.
Personally-identifiable information
To serve you in the best way possible, we collect certain personal information directly from visitors to our Website in the ordinary course of business. This is information that identifies you as a specific individual, such as your name, gender, phone number, email address, and home address. Additionally, among other things, personal information includes your health and medical history and your credit card, bank or other information.
Non-personally-identifiable information
When you visit our Website, our computers may automatically collect statistical data associated with your visit. This information does not identify you personally, but rather identifies information about a visit to our Website. Statistics may include: how many people visit our Website, user IP addresses, which pages people visit, from which domains visitors are directed to our Website, and which browsers people use to visit our Website. The anonymous information we collect is for our internal purposes, and may be shared with third parties for marketing purposes and to help us enhance the services we offer you.
Cookies
A cookie is a piece of information sent from our Website and stored in your web browser. We may use data from cookies for a variety of internal purposes, such as studying how users interact with our Website, or determining whether a visitor is unique or whether the visitor has viewed our Website before. You should be aware that cookies contain no more information than you volunteer, and they are not able to invade your hard drive and return to the sender personal or other information stored on your computer.
While browsers are set to accept cookies by default, you can set yours to refuse cookies or to alert you before accepting them. Your browser manufacturer has information on changing the default setting for your specific browser.
We also may use third party web analytics to track and analyze Website usage and volume information.
We will use your personal information to assist you in finding or applying for health or life insurance or related products. To this end, we may share your personal information with one or more third parties for the purpose of fulfilling your request.
Referral service
If you choose to use our referral service to tell a friend about our Website, we will ask you for your friend's email address. We will send your friend one or more email messages with information about our products inviting him or her to visit our Website. These messages may include your name and/or email address.
Customer satisfaction and other products
We may occasionally contact you to request feedback about our service or to inform you of new products and services that might be of interest to you. As a valued customer, we offer you the opportunity to opt out of these additional communications.
To opt out, simply send an email to unsubscribe@hbdc.com. Alternatively, you can send your request by mail to: Customer Service, Health Benefits Direct Corporation, 2200 SW 10th Street, Deerfield Beach, Florida 33442.
Please note that you will still receive communications from us regarding your insurance quote, application or policy even if you opt out of receiving our surveys and/or notices about additional products and services.
Disclosure required by law
We may disclose or report your personal information to local, state, federal, national, or international government or law enforcement authorities when required by law or in good faith belief that such action is necessary to comply with the law or legal process. We also may disclose information to third parties as necessary in order to comply with applicable laws and regulations.
Do-not-call lists
We may contact you by telephone based on the information you provided to us to process and fulfill your request, even if you have opted into the Do-Not-Call List administered by the Federal Trade Commission, any state equivalent Do-Not-Call List, or the do-not-call list of an internal company. If one of our employees or agents contacts you on our behalf by telephone and you do not wish to be contacted again with respect to your inquiry, you should specifically make a request to such employee or agent not to be contacted. If we continue to contact you despite your request, you should email privacy@hbdc.com immediately to notify us of the problem.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect. As with any transmission over the Internet, however, there is always some element of risk involved in sending personal information. In order to try to minimize this risk, we encrypt all information that you submit in ordering one of our products or services using the Secure Sockets Layer (SSL) protocol.
We may, at our sole discretion, revise this Privacy Policy at any time in a manner consistent with applicable laws and regulations. When we revise this Privacy Policy, we will incorporate the revisions into this Privacy Policy and will revise the last updated date at the top of this web page. We recommend that you regularly visit this Privacy Policy in order to remain informed about any changes that we may implement.
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