Qualified Healthcare Plans Privacy Policy
Your health insurance is a serious matter, and at Qualified Healthcare Plans, LLC the privacy and security of your information is our number one concern. This online service (www.qualifiedhealthcareplans.com) is owned and operated by Qualified Healthcare Plans, LLC ("Qualified Healthcare Plans", "qualifiedhealthcareplans.com" or "we", "our", or "us"). Our Privacy Policy governs your use of any online service (i.e., web site or application) that posts a link to this Privacy Policy, and also applies to your use of interactive features, widgets, plug-ins, applications, content, downloads and/or other services that we own and control and make available through the online service; or that posts a link to this Privacy Policy whether via personal computers, mobile devices or otherwise.
Information We Collect
Our web site automatically captures your domain name, the IP address of the web page from which you enter our site, the pages you visit on our site and the amount of time you spend here. We do not collect any information that can reveal your personal identity unless you voluntarily provide it when you register to use interactive features of the site, including the sales portal, or to receive information from us. The information we collect is not part of any designated record set.
Collecting/Using/Tracking Information From our Site
Any personally-identifiable information you give us will be used only to provide the product or service you have requested (i.e., a quote from one of the insurance companies). Unless you specifically consent to let us do so, your personally-identifiable information, including your e-mail address, will not be rented, sold, traded, bartered, given away or otherwise shared with third parties, other than one of listed insurance companies as required to fulfill a request from you. The non-personally identifiable information we gather in aggregate form will be used to improve our Service.
We may use third-party vendors to perform certain services on behalf of us or our site, such as hosting the site, designing and/or operating the site's features, tracking the site's activities and analytics. We may provide these vendors with access to user information or they may directly collect your information to carry out the services they are performing for you or for us. Third-party analytics and other service providers may set and access their own tracking technologies on your device and they may otherwise collect or have access to information about you, potentially including personal information, about you. We are not responsible for those third party technologies or activities arising out of them.
Your Data
To assist you as your licensed insurance agent, it will be necessary to register with our site and provide a limited amount of personal information. We use the information to help you compare and apply for insurance and/or other products that we may offer. The term "personal information" (PII) includes but is not limited to: your name, email address, zip code.
Qualified Healthcare Plans will not disclose your personal information to third parties, unless one of the following limited exceptions applies: Insurance Companies, Licensed Agents, and authorized HSA Trustees or Administrators. (Note, provider companies are contractually obligated to maintain strict confidentiality concerning your personal information.)
Health Insurance Application
It will be necessary for Qualified Healthcare Plans to collect a limited amount of personal information in order to assist you with identifying, comparing, and ultimately selecting an insurance plan for you and your family.
When applying for health insurance through our website, either through the Marketplace/Exchange or on the individual open market, an application will need to be completed. This application may ask you to provide additional personal information and/or health information relating to you and any family member who will be included on your application. Information could include but is not limited to: name, age, address, number of dependents, smoker, etc. This information will be used by your chosen insurance company to process your application.
We may notify you of additional products and services that might be of interest to you from KSS Insurance Solutions or our business partners. In no case will we ever share any health or health-related information with our business partners. We may also send you a customer satisfaction survey so that we can receive feedback on how we can improve our services. If you would not like us to contact you in this manner, you can notify us using the contact information below.
Legal Obligations
Qualified Healthcare Plans, LLC will not rent, sell, trade, barter, or give away your personal information to anyone. However, it may be necessary for Qualified Healthcare Plans, LLC to disclose or report your personal information when it is believed that the disclosure is required or permitted under law (i.e. to cooperate with regulators or law enforcement authorities or to resolve consumer disputes).
Security
Qualified Healthcare Plans, LLC has adopted and adheres to stringent security standards designed to protect non-public personal information at www.qualifiedhealthcareplans.com against accidental or unauthorized access or disclosure. Among the safeguards that Qualified Healthcare Plans, LLC has developed for this site are administrative, physical and technical barriers that together form a protective firewall around the information stored at this site. We periodically subject our site to simulated intrusion tests and have developed comprehensive disaster recovery plans.
In each user session, www.qualifiedhealthcareplans.commay use "cookie" technology to reduce the time required for you to submit your requests. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information.
They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. Our cookies will not be used to track your activity on any third party website, to send spam, or collect personally identifiable information about you. Cookie data will be stored in aggregate form to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. No other company has access to these cookies. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. If you turn cookies off, access to some features may be limited or less efficient.
Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider confidential.
Partners / Third Party Vendors
In an attempt to provide you with increased value, we may provide links to other websites, not owned or controlled by Aetna, that we think might be useful or of interest to you. These linked sites have separate and independent privacy policies. Qualified Healthcare Plans, LLC is not responsible or liable for the content, accuracy, and privacy policies of those other websites. Links to various non Qualified Healthcare Plans, LLC websites do not constitute or imply endorsement by Qualified Healthcare Plans, LLC of these websites, any products or services described on these sites, or of any other material contained in them. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these linked sites (including if a specific link does not work).
Updates to the Privacy Policy
Any changes to our privacy policy will be posted on our Web site at least ten (10) days in advance of implementation. Information collected before changes are made will be secured according to our previously applicable privacy policy.
Online Policy Only
This online privacy policy applies only to information collected through our website and not to information collected offline.
Your consent
By using our site, you consent to our Privacy Policy and our collection, use, and sharing of your information and data, and other activities, as described above.
Terms and Conditions
The following terms and conditions govern the use of our website (www.qualifiedhealthcareplans.com). By accessing, viewing, or using the material on our site, you understand that these Terms and Conditions to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such Terms and Conditions and agree to be legally bound by them. If you do not agree with the Terms and Conditions, you are not granted permission to use our site and should exit immediately
Proprietary Rights
All material contained in this site is protected by law, including but not limited to, United States copyright law. Except as indicated, KSS Insurance Solutions is the owner of the copyright in the entire content (including images, text and look and feel attributes) of www.qualifiedhealthcareplans.com and reserves all rights in that regard. Removing or altering the copyright notice on any material on the site is prohibited. Qualified Healthcare Plans, LLC also owns a copyright in this site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of site content. Any commercial use of site content is prohibited without the prior written consent ofQualified Healthcare Plans, LLC. Except as indicated, Qualified Healthcare Plans, LLC owns all trademarks, service marks or other logos featured on the site. Use or misuse of these trademarks, service mark or logos is expressly prohibited and may violate federal and state law. Please be advised that Qualified Healthcare Plans, LLC actively and aggressively enforces its intellectual property rights to the fullest extent of the law.
No Solicitation
This site is designed to provide general information about Qualified Healthcare Plans, LLC, its products and services. Information on the site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Some products and/or services may not be available in all states.
No Medical Services or Advice
Nothing contained, expressed or implied in this site is intended as, nor shall be construed as medical advice. No doctor-patient relationship is established between KSS Insurance Solutions and you by reason of your use of www.qualifiedhealthcareplans.com or under any circumstances whatsoever. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.
No Legal Advice
Nothing contained, expressed, or implied in this site is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation. No attorney-client relationship is established between Qualified Healthcare Plans, LLC and you by reason of your use of our site or under any circumstances whatever. The information in this site if for general informational purposes only. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this site, you should contact your own legal counsel.
Confidential Information
Please be advised that the confidentiality of any communication or material transmitted to and between Qualified Healthcare Plans, LLC via www.qualifiedhealthcareplans.com or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number.
Changes to this Policy
We will post on the website if there are changes to the terms and conditions of our company. You may contact our customer service if you would like to know more about what's new. If you have any questions or comments or receive any unwanted e-mail from this site, please contact our customer service via email at info@qhp123.com. Questions regarding the terms and conditions of any other company linked to our site should be directed to that company.