ACKNOWLEDGEMENT AND ACCEPTANCE OF TERMS
CALIFORNIA CONSUMER PRIVACY ACT
On January 1, 2020 the California Consumer Privacy Act (“CCPA”) went into effect. The legislation is designed to provide broad consumer protections regarding your personal information, how it’s used, whether it can be sold, notifications if the information is improperly disclosed and a number of other important rights. Federal laws governing the Health Insurance Industry, primary HIPAA, have many of the same protections specific to Our industry. As a result, to avoid conflict with laws already providing those protections, the CCPA exempts certain businesses from its terms. Word & Brown is among those exempted businesses. While not subject to the CCPA, HIPAA provides a broad array of consumer and data protections which We are committed to following. For information on your specific rights under HIPAA go to www.hhs.gov.
LIMITATION ON SCOPE OF CONTENT
NORMAL WEBSITE USAGE & LOG FILES
If you visit Our Website, We may gather and store certain information about your visit. Unless specifically provided by you or an authorized party on your behalf, the information that We collect does not personally identify you and cannot be linked back to you unless you decide at some point to identify yourself. Whether you are visiting or browsing the Website, the following information may be collected: the type of browser and operating system used; the IP address; the date and time you access Our Website; the number of times you have accessed Our Website; whether your computer is enabled for Java or cookies, browser language, application and plug-ins; the pages you visit and if you linked to the Website from another site; and the address of that site. We use this information to generate statistics and measure site activity to provide you with a better user experience.
CATEGORIES OF THIRD PARTIES WITH WHOM WE MAY SHARE THE INFORMATION WE COLLECT
The information We collect through this Website and from other sources is used to provide quotations for health insurance coverage through Word & Brown’s health plans and to provide other products and services to Our brokers and/or other third parties. We may share information with Our contracting health plan carriers during the underwriting process, as well as affiliated businesses, including but not limited to Choice Administrators Insurance Services, Inc., as necessary, to provide services through such companies. In the event that Word & Brown is acquired, or substantially all of its assets are acquired, Our customer information may be one of the transferred assets to the extent legally permissible. We may also release personal information if required by law or is necessary to protect the rights, property, or safety interests of Word & Brown, or other Website visitors. Word & Brown may also share personal information, including without limitation, Personally Identifiable Information (PII), Personal Health Information (PHI), and/or the like with other third party companies that We have hired or collaborate with to perform services on Our behalf, provided such is protected as required by Federal and State law.
COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION TO PROVIDE A SERVICE OR CORRESPONDENCE
The Website receives and stores information which may be personally identifiable to you (personally identifiable information such as name, address, e-mail address, gender, age, type of request, and possibly additional information) whenever you and/or your broker provides such information to us through this Website. This information is provided to Us in order to process any applicable transactions or provide services. We may also receive the aforementioned information when you use any online account management functionality through Us or Our affiliates. This personal information is collected and stored in a manner appropriate to the nature of the data, and may be passed on to Our affiliates. Once Our affiliates receive this information, that data also becomes the property of each respective affiliate. Any request to opt out of future communications from such affiliates must be made directly to each party. It is important to note that you do not have to provide Us with personal information, however, this may limit your ability to use certain functions of the Website or to request or apply for certain services, products, and/or information. We will only share your personal information with third parties as explained in this Policy and as otherwise permitted by law. We do not sell your information.
TRANSMISSION OF INFORMATION & SECURITY
Even though We endeavor to ensure that all available procedural safeguards are integrated into Our Website and We adhere to the generally accepted standards of security in the industry for the purpose of protecting information provided by visitors to this Website. Transmission of information through Our Website has the potential of being unstable, unreliable and unsecure. Word & Brown makes every effort to ensure the secure collection and transmission of sensitive user information using industry-accepted data collection and encryption methodologies such as TLS (Transport Layer Security), SSL (Secure Sockets Layer) and FIPS (Federal Information Processing standards); however, there is a risk that such information may be illegally intercepted. We maintain up-to-date physical, electronic, and processing safeguards that restrict unauthorized access to your information. These security procedures include locked files and information system security measures such as user passwords, data encryption and firewall technology. Word & Brown employees are regularly trained on, and are required to comply with Our policies and procedures focused on protecting the confidentiality of your information.
CHILDREN’S ONLINE PRIVACY PROTECTION
This Website is not designed for or intentionally targeted at children thirteen (13) years of age or younger. This Website complies with the Children’s Online Privacy Protection Act of 1998 (COPPA). COPPA, and its accompanying Federal Trade Commission (FTC) regulation, protects the privacy of children using the Internet. Word & Brown does not knowingly collect or solicit PII from children under 13. This Website is not intended to solicit information of any kind from children under 13, and is designed to block Our knowing acceptance of any such information unless such information is provided by or with the consent of the child’s parents or legal guardians. It is possible that by fraud or deception We may receive information pertaining to children under 13. If We are notified of this, as soon as We verify the information, We will immediately obtain parental consent or otherwise delete the information from Our servers. If you want to notify Us of Our receipt of information by children under 13, please do so by emailing us at HelpDesk@wordandbrown.com.
CHANGES TO PERSONALLY IDENTIFIABLE INFORMATION (PII)
You have the right to access and edit the PII that you have provided to Us. You may change any of your PII in your account online at any time by linking to your account in accordance with instructions posted elsewhere on this Website. You may also access and correct your PII and privacy preferences by writing Us at Word & Brown Insurance Administrators, Inc., 721 South Parker Street, Orange, CA 92868. You can also contact us by email at HelpDesk@WordandBrown.com. You should be cautious about sending PII updates through unencrypted email. Please include your name, address, and/or e-mail address when you contact Us.
We encourage you to promptly update your PII if it changes. You may request that the information on your account be deleted or removed, however, because We keep track of past transactions, you cannot delete information associated with past transactions on this Website. In addition, it may be impossible to completely delete your information without some residual information because of backups.
E-NEWS AND PROMOTIONAL E-MAILS
From time-to-time, We may offer free e-newsletters and send out promotional e-mails as a service to Our visitors. We send e-mails only if the user has not opted out from receiving such communications from Word & Brown through its Website(s) or its affiliates.
This Website may contain customized pages or channels to or from third party social media/networking sites and/or links to social media/networking sites. If you use any of these third party social media/networking sites, please be informed that Word & Brown shall only be deemed a passive conduit of information and will not be liable for any information transmitted by or through any of these sites. Any information that is disclosed in and through third party social media/networking sites becomes public information. Please be advised that you should exercise caution before disclosing your personal information via any social media pages or channels, which you do at your own risk. If you chose to do so, you may receive unsolicited emails or spam. Word & Brown cannot safeguard the privacy of personal information that is disclosed and can be viewed or accessed online in this manner.
CHANGES TO THIS STATEMENT
CONTACTING THE WEBSITE