At Anderson Benefits, Inc., and its affiliated entities, protecting your privacy is important. We want you to understand what information we collect and how we use it. This notice describes our privacy policy. By visiting the website andersonbenefits.com, and/or the websites of any of affiliated entities, you are accepting the practices described in this Privacy Notice.

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What Information We Collect and From Whom We Collect It

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We may collect nonpublic personal information about you from the following sources:

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• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from non-affiliated third parties, including consumer reporting agencies.

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In addition, we may use “cookies” (small text files transferred from our website to your hard drive) to recognize repeat users, track usage and facilitate your access to and use of the site. We do not use “cookies” to gather personal information and we do not link “cookies” to identifiable information, such as a policy number. The “cookies” only enable you to use our website more easily.

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“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you.

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The Federally-facilitated Marketplace requires insurance brokers/agents to provide a Privacy Notice Statement to all Marketplace clients via a public-facing website or electronic or paper form before collecting Personally Identifiable Information (PII). This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.  Anderson Benefits, Inc. is authorized to collect Personally Identifiable Information (PII) from you. Any PII we collect is used to assist with your health insurance eligibility, and may be shared or disclosed in the following ways:

 

Our Uses and Disclosures

 

• Assist with your enrollment for health insurance coverage through the health insurance Marketplace and determine subsidy eligibility. The information you provide may be submitted to CMS (a Federal agency) and will be maintained in a Federal system of records.

• Help manage verifications and information requested by you, your insurance carrier, and the Marketplace, such as:

• Income, tax household size, citizenship or eligible immigration status, permanent move, divorce, marriage, the birth of a child, adoption, social security number, tax filing, and premium tax credit reconciliation, Federally recognized tribe status.

• Claim, billing inquiries, and premium payment information

• S.A. enrollment

• Other information we receive from you as requested on insurance enrollment forms and applications.

• We can use and share your information to run our organization and contact you when necessary. We use health and demographic information about you to develop better services for you.  If you choose to give us PII, we may share this information with certain entities under the following circumstances:

• Comply with the law. We will share information about you if a state or federal law require it, including with the Department of Health and Human Services if it wants to see that we are complying with federal privacy law.

• Address workers’ compensation, law enforcement, and other government requests

• Respond to court or administrative orders, lawsuits, legal actions, subpoenas, and health oversight agencies for activities authorized by law.

• We may be required to collect specific personal information about you as required by the law and insurance carrier. If you choose not to provide us with the PII requested, or not to respond to specific questions, your enrollment may be denied or delayed, and we will inform you of such consequences.

 

Our Responsibilities

 

• We are required by law to maintain the privacy and security of your protected health information.

• We will let you know promptly if a breach occurs that may have compromised the privacy or security of your data.

• We must follow the duties and privacy practices described in this notice and make the information available to you.

• We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind.

• Nonaffiliated Third Parties to Whom Disclosures May Be MadeInformation about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries or affiliates that Anderson Benefits, Inc. controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.We may disclose nonpublic personal information about you, such as we have described above, to insurance companies, general agencies, and other insurance-related entities that perform marketing services on our behalf or with whom we have joint marketing agreements.We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

 

Our Security Procedures

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We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

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Conditions of Use, Notices, and Revisions

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If you choose to visit andersonbenefits.com and/or the websites of any affiliated entities, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at andersonbenefits.com and/or the websites of any affiliated entities, please send a thorough description to craig@andersonbenefits.com, and we will try to resolve it.

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Our business changes constantly, and our Privacy Notice and the Conditions of Use will change also. You should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

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