Privacy policy

At Extend Health, Inc (“Extend,” “we,” or “us”), we are committed to ensuring the privacy of our users and visitors. This privacy policy explains Extend’s privacy practices for its web site (including www.extendhealth.com), and other internet services owned or operated by Extend (the "Extend Service") for users of our services. By using the Extend Service, you consent to the terms of this privacy policy. For the purposes of clarity this Privacy Policy governs your use of the online services of Extend, however your use and coverage under any insurance services offered or sold by Extend and your Benefits (defined below) shall be subject to the terms and conditions of that policy.

We value your relationship with us, so we want you to understand our privacy objectives for our web site, and how and why we collect, use and disclose the personal information about you on our web sites. If you are a customer of Extend Health, you have also received the GLBA Notice of Privacy Practices that describes Extend Health's use and disclosure of your "non-public personal financial and health information" under the Gramm-Leach-Bliley Act ("GLBA"). If you are not yet a customer, but are applying for an insurance product through this web site, any information you supply to us and our business associates and counter parties is protected as stated in that GLBA Notice.

What is Personal Information?

Personal information is information that specifically identifies an individual, such as a user name, address, telephone number, e-mail address, age, social security number, health or medical history credit card or other account number, and information about that individual’s activities when directly linked to that person. Personal information also includes demographic information such as gender, geographic area and preferences when such information is linked to other personal information that identifies you.

Information We Collect

In order for us to provide the best possible products and services, we will ask you to provide us with personal information. Your personal information is used to identify you and maintain the security and privacy of your Benefits. We do not collect any personal information about you at our web sites unless you choose to provide it to us voluntarily.

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. Under our current process, you must create an account before requesting an application for a health insurance or other product offered on our website. You may also register with us through our Sales Support Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of birth) to one of our customer service representatives. We collect personal information in the normal course of business in order to process your insurance application and in order to serve you better.

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 or HSA trustee or administrator to process your application. Additionally, we may ask you to provide us with credit card or bank information, 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.

Surveys

You may have the opportunity to provide information to us through online surveys and forms. We use this information to better understand your health insurance needs and to provide quality products, services and other opportunities. We plan to use any information we obtain from you to help us continually improve the content, functionality and overall usefulness of our web site.

Cookies

We may use "Cookies," "Clear Gifs," "Internet Protocol" addresses or other numeric codes to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below. Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information, however if we treat the information as personal information if we link the cookie information with your profile and registration, otherwise it is used in the aggregate only.

We may use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our web site.

We may occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated below.

Use of Personal Information

Any personally identifiable information you give us will be used to provide the product, service or information you have requested. We use your information to provide applications and Services to you, and to display customized content. We may also use personal information for certain auditing, research and analysis to operate and improve Extend technologies and services. Your personal information may also be used to set up, process, or contact you regarding your account. When we use your personal information, it may be processed on our servers in the United States of America and in other countries, and your information may be processed on a server that lies outside your own country.

When we use personal information in our internal marketing efforts, we provide you with choices (see Choice below) and do not disclose the information to third parties except as described in this privacy policy.

We may receive information from third parties with whom we have business relationships, such as those third parties set forth below and will combine this information with the other personal information we maintain about you. In such cases, this privacy policy governs this information.

Sharing of your Personal Information

Insurance Companies and authorized HSA Trustees or Administrators

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 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 in order to enroll you in an HSA. These partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are contractually obligated to maintain strict confidentiality and security with respect to your personal information.

Service Providers

We may disclose your personal information to other companies that help us process or service your insurance application or 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. 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 and security with respect to your personal information.

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. We or contracted third parties may use your personal information 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.

Legal Obligations

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 or to resolve consumer disputes.

We require such third parties to adhere to strict confidentiality, security and privacy standards when handling your personal information.

Security

We have put into place reasonable security measures in an effort to protect personal information while it is under our control. For example, your account information is accessible online only through the use of a password. To protect the confidentiality of personal information on such sites, you must keep your password confidential and not disclose it to any other person. You are responsible for all uses of the Service by any person using your password. Please contact us immediately if you believe your password has been misused.

For security reasons, access to this website is limited to SSL-capable browsers such as Microsoft's Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Extend Health websites, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

Contact Us

If you want to correct or update your contact information, you may contact us by email at support@extendhealth.com or by mail at:

Customer Service, Extend Health
2150 South 1300 East, Suite 420
Salt Lake City, UT 84106
Fax: 801.413.0991

We will share your messages with those within our organization who are most capable of addressing the issues contained in your message. We preserve the content of your e-mail, your e-mail address and our response so that we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements. We will use reasonable efforts to respect any request you submit to not to be contacted by e-mail.

Choices

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 want to opt out of these surveys and/or notices, you may contact us by email at support@extendhealth.com or by mail at:

Sales Support, Extend Health
2150 South 1300 East, Suite 420
Salt Lake City, UT 84106
Fax: 801.413.0991

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 of additional products and services.

Sites We Link To

If you choose to use any of the links we provide to our member companies, sponsors, and other third party resources, you will be leaving our web site and going to a new web site. Protection of your privacy at those other sites will be governed by the privacy policy at that site. Take the time to read the privacy policies on their sites. Because these third party websites are not under our control, we cannot be responsible for the privacy practices of such web sites or pages and we do not endorse any of these web sites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages.

Changes to this Policy

If we make any changes to this policy, we'll let you know the effective date of the changes and provide a tool for you to understand what has changed. If you have any questions or comments or receive any unwanted e-mail from this site, please contact our webmaster via e-mail at privacy@extendhealth.com. If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change.

Last updated: October 27, 2008