Privacy
HIPAA Notice of Privacy Practices: To read more about our privacy practices regarding health and medical information under Health Insurance Portability and Accountability Act (“HIPAA”), please click here, which links to our HIPAA Notice of Privacy Practices.Social Security Number Protection Policy: Protecting personal information is important to Golden Rule Insurance Company (“Golden Rule”). It is the policy of Golden Rule and its current and future affliates to protect the confidentiality of Social Security numbers ("SSNs”) that we receive or collect in the course of business. We secure the confidentiality of SSNs through various means, including physical, electronic, and administrative safeguards that are designed to protect against unauthorized access. It is our policy to limit access to SSNs to that which is lawful, and to prohibit unlawful disclosure of SSNs.
Website Privacy Policy
IntroductionWe are very sensitive to privacy issues. The purpose of this Website Privacy Policy is to let you know how we handle the information we receive from you through this website. Portions of this website may describe additional privacy practices applicable to specific types of information or to information provided on specific Web pages.
This Website Privacy Policy does not apply to information collected through other means such as by telephone or in person, although that information may be protected by other privacy policies. As used in this Website Privacy Policy, terms such as “we” or “our” and “Company” refer to Golden Rule and its current and future affiliate entities.
This site is intended for a United States audience. If you access this site from outside the U.S., you acknowledge, agree, and consent that any information you provide, including any personal information, will be transferred to and processed by a computer server located within the U.S., and subject to U.S. laws and regulations. Further, if you access this site from outside the U.S., you acknowledge and agree that you are responsible for compliance with any applicable local or national laws, rules or regulations applicable to such use.
Cookies and non-personal information
“Non-personal information” means information that does not permit us to specifically identify you by your full name or similar unique identifying information such as a social security number, member identification number, address or telephone number. The Company may use “cookie” technology and similar technology to gather non-personal information from our website visitors such as which pages are used and how often they are used, and to enable certain features on this website.
If utilized, you may disable these cookies and similar items by adjusting your browser preferences on your computer at any time; however, this may limit your ability to take advantage of all the features on this website. Keep in mind that cookies are not used to collect any personal information and do not tell us who you are. Some examples of the way we use cookies include:
- Tracking resources and data accessed on the site.
- Recording general site statistics and activity.
- Assisting users experiencing website problems.
- Enabling certain functions and tools on this website.
- Tracking paths of visitors to this site and within this site.
We may also collect other forms of non-personal information such as what web browsers
are used to read our website and what websites are referring traffic or linking
to our website. Aggregate and de-identified data regarding website users is also
considered non-personal information.
With whom is non-personal information shared?
Because non-personal information does not identify who you are, we do not limit
the ways we may use or share non-personal information. For example, we may share
non-personal information with our affiliates, suppliers, employees and agents, other
businesses, and the government.
Personal information provided by you
“Personal information” means information that specifically identifies
you as an individual, such as your full name, telephone number, e-mail address,
postal address, or certain account numbers. As used in this Website Privacy Policy,
personal information does not include information protected under HIPAA, which is
protected as described in the section “Health and Medical and Information”
above.
This website may include web pages that give you the opportunity to provide us with
personal information about yourself. You do not have to provide us with personal
information if you do not want to; however, that may limit your ability to use certain
functions of this website or to request certain services or information.
We may combine personal information that you provide us through this website with
other personal information held by the Company, including with affiliates or our
vendors. For example, if you have purchased a product or service from us, we may
combine personal information you provide through this website with information regarding
your receipt of the product or service.
We may use personal information for a number of purposes such as:
- To respond to an e-mail or particular request from you.
- To personalize the website for you.
- To process an application as requested by you.
- To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
- To comply with applicable laws, regulations, and legal process.
- To protect someone's health, safety, or welfare.
- To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use.
- To keep a record of our transactions and communications.
- As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.
You understand and specifically agree that we may use personal information to contact
you through any contact information you provide through this website, including
any email address, telephone number, cell phone number, text message number, or
fax number.
With whom is personal information shared?
We will only share your personal information with third parties as outlined in this
Website Privacy Policy (in its current or future form) and as otherwise permitted
by law.
We share and give access to personal information to our employees and agents in
the course of operating our businesses. For example, if you sent us an e-mail asking
a question, we would provide your e-mail address to one of our employees or agents,
along with your question, in order for that person to reply to your e-mail. We may
share personal information with other affiliates or business units within the Company.
We may share and give access to personal information with other companies that we
hire to perform services on our behalf or collaborate with. For example, we may
hire an outside company to help us send and manage e-mail, and in that case we might
provide the outside company with your e-mail address and certain other information
in order for them to send you an e-mail message on our behalf. Similarly, we may
hire outside companies to host or operate some of our websites and related computers
and software applications.
However, if we share or give access to personal information to outside companies
we require them to use the personal information only for limited purposes, such
as for sending you the e-mail in the example above. If you believe we or any company
associated with the Company has misused any of your information please contact us
immediately and report such misuse.
We may share personal information if all or part of the Company is sold, merged,
dissolved, acquired, or in a similar transaction.
We may share personal information in response to a court order, subpoena, search
warrant, law or regulation. We may cooperate with law enforcement authorities in
investigating and prosecuting website visitors who violate our rules, or engage
in behavior that is harmful to other visitors, or is illegal.
If you submit information or a posting to a chat room, bulletin board, or similar
“chat” related portion of this website, the information you submit along
with your screen name will be visible to all visitors, and such visitors may share
with others. Therefore, please be thoughtful in what you write and understand that
this information may become public.
Reviewing my information
This website may permit you to view your visitor profile and related personal information.
If this function is available, we will include a link on this website with a heading
such as “My Profile” or similar words. Clicking on the link will take
you to a page through which you may review your visitor profile and related personal
information.
Website and information security
We use a number of physical security (such as locks and alarm systems), electronic
security (such as passwords and encryption methods), and procedural security methods
(such as rules regarding the handling and use of information), designed to protect
the security and integrity of information submitted through this website. Due to
the nature of the Internet and on-line communications, however, we can not guaranty
that any information transmitted on-line will remain absolutely confidential, and
we are not liable for the illegal acts of third parties such as criminal hackers.
Our online communication practices
General e-mail communications
Most e-mail, including any e-mail functionality on our site, does not provide a
completely secure and confidential means of communication. It is possible that your
e-mail communication may be accessed or viewed inappropriately by another Internet
user while in transit to us. If you wish to keep your information completely private,
you should not use e-mail. We may send e-mail communications to you regarding topics
such as general health benefits, website updates, health conditions, and general
health topics.
Other online communications
The Company sends electronic newsletters, notification of account status, and other
communications such as information marketing other products or services offered
by us, on a periodic basis to various individuals and organizations. To opt-out
of any specific electronic communication you're receiving, click on the opt-out
button associated with the specific communication.
Information for children under 13
We will not intentionally collect any personal information from children under the
age of 13 through this website without receiving verifiable parental consent. If
you think that we have collected personal information from a child under the age
of 13 through this website, please contact us.
Contact us.
To contact us regarding this Website Privacy Policy and our related privacy practices,
please contact us at: 7440 Woodland Drive, Indianapolis, Indiana 46278-1719.
Effective date
The Effective Date of this Privacy Policy is September 8, 2011.
Changes to this Website Privacy Policy