Effective Date: NOV 1st, 2021
Last Updated: MAY 9th, 2022
At Enhance Health, we are strongly committed to protecting your privacy. To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We only use and disclose your personal information in accordance with our Policy. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information”.
When and why we share personal information
Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities
If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.
We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us, or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
Employers, Affinity Groups, and Benefits Administrators or Consultants
If you were referred to us by, or use our website or cal center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.
In certain situations, Enhance Health may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.) We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.
If Enhance Health is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where Enhance Health has a corporate account for the purpose of adding you to Enhance Health’s social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.
Your Requests for Products
Types of information we collect
We collect personal information in the normal course of business in order to process your insurance application and to serve you better.
Registering With Us
We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password.
Applying for Health Insurance and Other Products
If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you to provide us with your credit card, bank information and social security number, which will be used by your chosen insurance company or HSA Trustee or Administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.
Providing you with a quote or processing your application
We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.
Third Party Data
We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include: (a) address information from third party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.
Customer satisfaction, referrals and other products
We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.
Collection and Use of 3rd party Personal Information:
You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third party may contact us at email@example.com to request that we remove this information from our database.
Aggregate and non-directly identifying information
We gather non-directly identifying information about you for our internal purposes, and we may share this non-directly identifying information with third parties.
- As is true of most web sites, we may gather certain information automatically or systematically and store it in log files. This information may include aggregate demographic information such as the number of visitors to our website from a particular state or browser information such as browser type, device type, geographic region, IP address, and other non-directly identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs.
- The strict restrictions we have in place for personal information do not necessarily apply to non-directly identifying information. Because non-directly identifying information is designed to not directly identify individuals, if we change the way we use such information after we have collected it, we may be unable to contact you to notify you of such change.
- We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties.
Security and storage of personal information
We protect the confidentiality and security of your personal information.
- We maintain generally accepted standards for physical, electronic and procedural safeguards to protect your personal information.
- For a more detailed discussion of the electronic safeguards on our website, please see below.
We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
- Upon request Enhance Health will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you otherwise want to correct, update or delete your personal information held by us, you may contact us by email at firstname.lastname@example.org or by phone at 1-844-677-4662.
- Additionally, you may update your name, email address and password by clicking on the “Sign in” or “My Account” link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable time frame.
- We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreement.
- Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.
We will provide notice of changes in our personal information privacy practices.
If we are going to use your personal information in a manner materially different from that states at the time of collection, we will notify you via email or by means of notice on the website prior to changes becoming effective. You will have a choice as to whether or not we use your personal information in this different manor.
You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.
- We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
- If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at email@example.com.
- If you want to opt out of these surveys and/or notices, you may contact us by email at firstname.lastname@example.org.
- Please note that you will still receive communications from us regarding your insurance quote, application, policy or advanced premium tax credit even if you opt out of receiving our surveys and/or notices of additional products and services.
Websites where this policy applies
Behavioral Targeting / Re-Targeting / Do-Not-Track
Currently, our site does not change its behavior based on receiving your browser’s “do-not-track” setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.
Browsers and Internet Security
Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Enhance Health recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application.
In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website. If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at email@example.com.
Your Password and Other Security Issues
The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone.
If you forget your password, we can send your password through email (provided that you gave us your email address as your user ID when you created an account on our website) or we can help you retrieve your password by calling us toll free at 1-844-677-4662 or contacting us through the chat function on our website.
Security Risk of Using Non-Approved Automated Software Applications
For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Enhance Health website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.
Links to Other Websites
Our website contains links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Enhance Health is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at www.enhancehealth.com In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at www.enhancehealth.com.
Social Media Features and Widgets
3111 N. University Drive, #500
Coral Springs, FL 33065
Information that we collect and process includes protected health information or PHI. The privacy and security of your PHI is protected by the Health Insurance Portability and Accountability Act of 1996, as amended, (“HIPAA”) and its implementing regulations, including its final privacy regulation, at 45 C.F.R. Parts 160 and 164 (known as the “Privacy Rule”), as administered by the federal Department of Health and Human Services. HIPAA places certain restrictions on the use and disclosure of PHI and requires us to protect the privacy and security of your PHI.
What personal information do we collect?
We receive and store any information you enter on our Site or give us in any other way. We also collect certain information automatically when you use or visit our Site. Information we collect from visitors of our Site includes information that will be collected automatically using cookies and similar technologies. We also collect information from you, including your name, address and email address and your phone number. We will also collect other demographic and personal information about you, including your PHI which is protected by HIPAA. If you choose to enroll with a health plan on our site, your PHI is transferred through the Site to the health plan you have chosen.
How do we use your information?
Any of the information we collect from you may be used to personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested, to improve our website in order to better serve you, and to allow us to better service you in responding to your questions and comments.
The information that is collected with the tools on this Site may be used to assist your enrollment in the health plan you have chosen. You consent to have that information provided to the Site and then transferred to that health plan.
We may also use your information to troubleshoot problems, comply with a legal obligation such as court orders, or other legal process; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law, and to respond as required for a corporate transaction, such as a divestiture, investment, merger, consolidation, or asset sale, or other significant matter.
How do we protect your information?
While no website can guarantee complete security, we use commercially reasonable efforts to protect your information, including maintaining adequate physical, procedural and technical security with respect to its offices and informational storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of your information under our control.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties any of your personally identifiable information we collect from you during visit to the Site except for the transfer to the health plan that you have chosen. We may share your information for processing and storage with third parties that have agreements in place with us to protect the confidentiality and security of information that we transfer to them. This may include our development partners and third parties where the services are hosted.
How do we store and encrypt your data?
None of your data is stored on a device. Your data is stored at secure locations that use encryption to protect your data when stored on these computer servers or when storing it with a third party. Your data is also encrypted while it is being transmitted.
Access to other data
None of our technologies will request access to other device data or applications, such as your phone’s camera, photos or contacts. None of our technologies share any data with your social media accounts, like Facebook.
This website is not intended for use by children under the age of 18. We encourage parents to supervise their children’s activities online. Enhance does not seek or knowingly collect personal information from children under the age of 13. If we learn that we have received information directly from a child who is under the age of 13, we will take appropriate action in accordance with applicable law.
3111 N. University Drive, #500
Coral Springs, FL 33065