PRIVACY POLICY

Privacy Policy

This notice describes how information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

At ECI Services, we value the trust you have placed in us and intend to continue to earn your trust each day. Protecting the privacy of your personal information is a major priority throughout all of our business practices and procedures. Our commitment to protecting your privacy is reflected in this Privacy Notice, which describes our policies in using, gathering, communicating and protecting information about you. Our procedures and policies protecting and safeguarding your personal information are maintained both while you are insured under a policy we administer and for any time thereafter.

Authorized Representation

In accordance with state and federal rules and regulations, we will not disclose individual information without authorization. This includes disclosures to family members for insured individuals who have reached the age of majority.

Personal Information We Collect

We receive information from you on applications for insurance and related forms. We also receive information from outside sources including eligibility listings from schools, and providers of administrative. This information may include your name, address, social security number, phone number, marital status (including domestic partnerships), your dependents, and your academic enrollment status. We also may receive information regarding prior health insurance coverage.

We receive information from you and others regarding premium payments. This information may include credit card numbers, bank account numbers, and other material relating to premium payments you make.

We receive information about you in connection with health coverage claims from third parties providing benefits and services under your coverage, including providers of medical services and claims administrators. This information may include medical services bills and medical record information.

In connection with your use of our Website, we may collect the following information:

• The domain name or Internet Protocol (IP) address, but not the e-mail address of visitors to our Website.
• The e-mail addresses of users who communicate with us via e-mail.
• Aggregate information on what pages on our Website users access or visit.
• Information volunteered by the user, such as site registration and email update requests.
• Information necessary to complete transactions with us.

We retain personal information only so long as required by our business practices or by applicable law.

Personal Information We Disclose

We do not disclose any nonpublic information about you to anyone, except as permitted or required by law. We do not sell or otherwise disclose your personal information to anyone for purposes unrelated to our products and services.

We may disclose your personal information to underwrite your health insurance coverage, process and record your premium payments, communicate your eligibility for benefits as provided in the policies, protect you against fraud, and service your health insurance claims.

For instance, we may provide insurance companies, medical health care providers, third party claims administrators, and schools with information confirming that insurance premium has been received paying for insurance coverage during a specific period of time, and with information confirming that specified medical services were provided and are eligible for payment.

We use the personally identifying information you voluntarily provide to register you as a user of the Website or to complete transactions with us at your request. We will not use your information for any purpose that you have not expressly authorized. Your information is not sold, rented, or shared with other organizations for commercial purposes or in ways different than what is disclosed in the Privacy Policy.

From time to time, we may also disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent harm.

We may also provide information to a court, government agency, or other third parties when subpoenaed or as otherwise required by law.

Our Policies and Procedures with Respect to Confidentiality and Security of Personal Information

We restrict access to information about you to those employees and third parties who need to know that information in order to provide the benefits and services pertinent to your insurance policy. All personal information exchanged with third parties (such as health care providers, insurance companies, and entities administering claims) is restricted by confidentiality agreements. Our employees are trained and required to safeguard all such information. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect information about you from disclosure. If, at any time in the future, it is necessary to disclose any of your personal information in a manner that is inconsistent with this policy, we will give you advance notice of the proposed change so that you will have the opportunity to consent or refuse consent to such disclosure.

We will apply the policies discussed above in the event we propose to disclose your information to a third party. If we propose to disclose your information to a third party that is acting as our agent or on our behalf, we will ensure that the third party has agreed to assure adequate protection of your information.

Security

Your user account containing your information is password protected. Only those who log on with your password can access your account. Any transactions requiring you to enter personal identifying information is submitted via a secure, encrypted page. We have taken appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration, and destruction. However, please remember that you play a valuable part in security as well. Your password to access your account should never be shared with anyone. After you have finished using the Website, you should log off and exit your browser so no unauthorized persons can use our Website with your name and account information. Furthermore, if you provide any information to parties who operate websites that are linked to or from our Website, different rules may apply to their collection, use, or disclosure of your personal information. We encourage you to review the privacy policies of such other sites before revealing any sensitive or personal information. Despite precautions taken by you or by us, “perfect security” does not exist on the Internet. We cannot ensure or warrant the ultimate security of any information you transmit.

We make every effort to ensure that the information on the Website, and your account information which you have provided to us, is reliable for the use you intend, and that it is accurate, complete, and current. To assist us in ensuring that your information is relevant on an ongoing basis for its intended purposes, we encourage you to update your information on the Website as frequently as is necessary.

Cookies

Cookies are pieces of information that a web site transfers to a user’s computer for purposes of storing information regarding user’s preferences. Just as many major web sites use cookies as a standard practice to provide useful information to a user, ECI Services uses cookies to deliver web site content specific to your identified interests and to guide you through your session on the Website. By themselves, cookies do not personally identify users, although they do identify a user’s computer. A user can opt not to take advantage of the cookie benefits by setting his or her browser to refuse cookies.

Your Access to Your Personal Information

You may request a copy of our records of personal information relating to you and may ask us to correct the information contained in those records. Note that we may not be able to correct inaccuracies in information provided to us by others.

To submit a request to review your information write us and include your name, the name of your school, the relevant academic year, and your student ID number, along with the information you want to review.

This notice is provided under the Gramm-Leach-Bliley Act enacted by Congress and regulations promulgated by the federal Department of Human Services under the Health Insurance Portability and Accountability Act (HIPAA). You do not need to contact us or take any other action to preserve the privacy of your personal information as a result of this notice.

EFFECTIVE DATE AND FUTURE CHANGES

This Privacy Policy is effective as of January 1, 2015. If we change our information practices in the future, we will post the changes to our website to notify you and provide you with the ability to opt out of these new uses.