Personal Information
We collect or access “Personal Information,” which is information that identifies you as a specific individual. Personal Information may include things like your name, username, address, phone number, email address, date of birth, gender, sexual orientation, marital status, Social Security Number, financial account information, driver’s license number, taxpayer Identification number, other government issued IDs, and information involving your health or medical history that can be personally linked to you.
We collect Personal Information primarily in the following situations:
When You Register or Apply for Coverage. We collect Personal Information directly from you when you register with us and when you apply for coverage with health plans and insurers with which we do business. This information is collected through your use of our sites, on website forms, via emails we send to you, and possibly over the phone. It might also be stored in cookies or using other technologies.
When You Provide It to Us. We collect Personal Information when you contact us or otherwise provide it to us. We also collect your Personal Information when you, your employer, or your employer’s partner/vendor register to use the Service, provide information when using the Site or Service, update your account information, add additional services, submit information to verify your identity, or otherwise communicate with us.
Information from Third Parties. We may collect and receive information about you, including personal information and financial account information, from third parties, such as your employer, your employer’s service providers, financial institutions, for identity verification, fraud protection, risk assessment, providing the Service, and other purposes.
Information collected automatically. Following information can be collected automatically when you access the Site or use the Services.
Electronic & Online Identifiers (IDs), such as mobile carrier, device IDs, operating system, browser type, and Internet Protocol (IP) address.
Geolocation Information, such as approximate location derived from IP address (if using a browser).
Internet Activity Information, such as your log-in and log-out information, the pages that you visit before, after, and while using our Services, pages you visit, links you click, and the content you view on the Site.
Single Sign-On Information (SSO) that allows us to verify your authorized access to the Services from another service you use and with which we collaborate, such as your email.
Other Information
We may collect other information that does not identify you directly. This information includes certain demographic, generic health information and technical information.
We may collect this information primarily when you use our Service, website, register, apply for coverage, or otherwise provide it to us. See also “Some of the Technologies We May Use,” below.
We are committed to using and disclosing your Personal Information and other information in compliance with all applicable laws and regulations. We will also comply with any contracts with health plans or others that contain special privacy and security requirements. We may use your Personal Information and other information as follows:
Providing you with a quote, Service, or processing your application.
To get in touch with you when necessary to process your application or to provide you with a quote or Service. For example, emails may 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.
To process, manage, Service, and complete your transactions;
To refer you to health plans;
To enable you to participate in surveys and other research efforts;
As described in the privacy practices of the plans we serve; and
To provide products and services you request and in order to provide the Service on our website.
Operating our business.
To operate our business, which includes, without limitation, using your information to process payment transactions;
To comply with applicable legal and regulatory requirements, industry standards or guidelines, and our internal policies and procedures;
To monitor and enforce compliance with applicable contractual obligations;
To detect and prevent fraud or detect criminal activity, unauthorized claims, or other liabilities;
To operate, evaluate and improve our business and the services we offer you, including developing new products and services, managing our communications, administering our website, and for auditing purposes;
For any other purpose for which you, your employer, or your employer’s vendors/partners expressly authorize us to use your information.
To explore opportunities to sell our business to third parties;
As part of the sale of some or all of the assets of our business;
To perform data analysis including marketing and consumer research, financial analyses, and measuring the effectiveness of our website;
To contact you regarding your satisfaction with our service or to inform you of additional products and services that may be of interest to you. You may opt out of receiving these additional communications from us by following the opt-out procedures described below; and
To administer the website, protect the website and its contents from inappropriate use, analyze how the website is used, and improve our visitors’ experience.
The following is a list of some of the technologies that may be used on our website to support features, services, advertising, or analysis of data. We may also use similar technologies not expressly listed below.
Browser cookies are small pieces of data placed on your computer as you navigate websites with your browser. Browser cookies allow websites and various third-parties to distinguish your device from others by having the cookie consist of a unique identifier or other data. Cookies can have many uses, such as to target advertising, to enable website functionality, and for security. We may use both session cookies (which expire when you log off or after session time out) and persistent cookies (which stay on your computer until you delete them). Persistent cookies can be removed by following your Internet browser help file directions. If you choose to disable cookies, some areas of our website may not work properly and you may experience some inconvenience in your use of our offerings.
Local shared objects (such as “Flash” cookies) are associated with non-browser software like Flash Player. Local shared objects can be used like cookies to distinguish your device from others, but will not be deleted or blocked using browser cookie controls.
HTML5 local storage is another way that browsers can distinguish your device from others as well as remember data that may be important for the functioning of the website. Typically HTML5 local storage is only deleted if all Internet history, cache, and cookies are deleted. You should check your browser software on how to delete HTML5 local storage in your particular case.
Web beacons are image files that are used by third-party advertisers, analytics companies, and others. Web beacons are embedded in web pages you visit and cause your browser to share its IP address with the third-party source of the beacon, together with any cookies associated with that third-party. Web beacons can be used with or without cookies. Blocking cookies will not stop your IP address from being shared through the use of beacons.
E-tags are used to prevent duplicative downloading of content to your browser, which can enhance browser performance. E-tags use unique identifiers for content that can also be used to distinguish your browser in certain instances from others. Typically, e-tags are only deleted if all Internet history, cache, and cookies are deleted. You should check your browser software on how to delete e-tags in your particular case.
“Stat IDs” are generated based on certain enduring characteristics of your device (or browser), such as operating system version, installed fonts, display resolution, chipset, device ID, how your browser draws certain images, and other technical information or responses.
These links explain how you can control cookies via your browser – remember that if you turn off cookies in your browser then these settings apply to all websites not just this one:
By clicking on these links you will be leaving Uzio’s website and entering an external website. Uzio is not responsible for the content of external internet sites.
To Provide You With Services. We may disclose your Personal Information and other information to third parties such as insurance companies, brokers, banking and financial institutions, licensed agents, Internal Revenue Service, state and local tax agencies, authorized Health Savings Account (“HSA”) Trustees, or administrators, auditors, legal and financial advisors. If you submit an application for an insurance product to us, we may disclose your Personal Information to your chosen insurance company or broker to process your application. If you submit an application for an insurance product offered through an insurance agent or agency we work with, we may disclose your Personal Information to that agent or agency to process your requested quote or application. We may disclose your information in other instances in order to provide you the services that you have requested. To learn about the privacy practices of the particular insurance company or other entity you have chosen to do business with, please visit their websites or contact them directly.
To Vendors, Service Providers, and Affiliates. We may disclose your Personal Information and other information to other companies that help us process or service your applications, correspond with you, operate our business, or help us with the uses of your Personal Information and other information that are explained in this Privacy Policy. For example, we may provide your Personal Information and other information to a technology vendor to help us operate our application systems. These companies may or may not be affiliated with us. When we use third-party business associates to help us operate our business, we have contracts with them that require them to keep your Personal Information confidential.
We may use third party analytics. For example, we currently use the analytics services of Google. Google’s analytics services allow us to learn how our users use our services by giving us the ability to collect information based on users interaction with our services.
Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to using this Site. Google’s analytics service does not collect personally identifiable information on our behalf. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Information pertaining to privacy through the use of Google Analytics can be found at http://www.google.com/policies/privacy/partners/.
Legal Obligations. We may disclose or report your Personal Information and other information as required or permitted under law. For example, we may disclose your Personal Information to cooperate with regulators or law enforcement authorities, to comply with subpoenas and court orders, to prevent harm to persons or property, or to resolve consumer disputes.
Acquisition, Sale, or Reorganization. We may also use and disclose Personal Information and other information in connection with a contemplated reorganization or an actual reorganization of our business, in connection with financing, a sale or other transaction involving the disposal of all or part of our business or assets, including for the purpose of permitting the due diligence required to decide whether to proceed with a transaction. If the sale occurs, the purchaser will be entitled to use and disclose the Personal Information and other information collected by us, and the purchaser will assume the rights and obligations regarding your Personal Information as described in this Privacy Policy.
Aggregate Information. We collect statistical information about how both unregistered and registered users, collectively, use our products and services (“Aggregate Information”). This statistical information is not Personal Information and cannot be tied back to you, your Account or your web browser. We share Aggregate Information with our partners, service providers and other persons with whom we conduct business. We share this type of statistical data so that our partners can understand how and how often people use our products and services and their services or websites, which facilitates improving both their services and how our products and services interface with them.
If you want to correct or update your personal information, please contact directly your broker or the Human Resources Department of your employer. Additionally, you may update your name, email address, and password by signing in using your login credentials and changing such account information.
Please note that once your application has been submitted, you may need to contact the third party (e.g., insurance company or plan) directly to update your information.
We may update this policy from time to time. We will provide notice of changes in our information privacy practices by posting revised versions on the website/Site. Any changes we make to this policy will apply to the Personal Information we already hold about you, as well as any additional information we may collect. By your continued visits to the website/Site, you agree to the Privacy Policy as updated.
If you want to opt out of any email communications or surveys, you may follow the opt-out or unsubscribe instructions in the email or you may contact us at privacy@uzio.com.
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.
We are available to answer any questions you may have about our Privacy Policy or our information privacy practices. You may contact us at privacy@uzio.com. In the event that you wish to make a complaint about how we process your personal data, please contact us in the first instance at privacy@uzio.com and we will endeavour to deal with your request as soon as possible.
This Privacy Policy applies to our website/Site and does not apply to other websites that are owned and/or operated by a third party. It does not apply to the health plans you may select. It does not apply to other websites operated by brokers, an insurance company, or a partner. For example, once you choose a particular plan from among the several plans offered on this website, the insurance company offering that particular plan may require that you give us additional information relating to your application such as your particular financial information so that the insurance company can process your initial premium payment (or, if you should also choose, your recurring automated premium payments). Once we share with that particular insurance company the financial and other information you have given us here on this website, that insurance company’s privacy policy will govern their information privacy practices. As another example, if you initiated your application on another website that is owned or operated by another third party, the privacy policies of those third-parties apply to the information you provided them. Please review the privacy policy of the website on which you initiated your application to learn about their information privacy practices.
We maintain administrative, physical, and technical safeguards to protect your Personal Information. We take privacy and security very seriously, but it is impossible for us or others to guarantee the safety and security of information under all circumstances. Additional information about Uzio’s security practice may be found at https://www.uzio.com/security/.
We also depend on you to protect your information. If you become aware of any incident of security or privacy, or if you receive/share any information in error please notify us immediately at privacy@uzio.com. We are not responsible for any interception or interruption of any communications through the internet or for changes to or losses of data. User is responsible for maintaining the security and confidentiality of any password, user name or ID, or other form of user authentication and shall not disclose any confidential account access credentials or confidential information to unauthorized third parties. In order to protect you and your data, we may suspend your use of the Site, without notice, pending an investigation, if any breach of security is suspected.
How long we retain your Personal Information
We retain your information for as long as is necessary to fulfill the purpose for which it was collected. We may retain your information for longer if necessary and relevant to our legitimate interests, in accordance with applicable legal obligations. This may include retention necessary to meet any regulatory or reporting requirements as well as time required to enforce the relevant terms of agreement or to identify, issue or resolve legal proceedings.
Your Password and Other Security Issues
We will ask you to set up a password so you can access your application on our website later. You should never share your password with anyone. If you forget it, we can assist you with retrieving your password through email (provided that you gave us your email address as your user ID when you created an account on our website), or we can help you retrieve your password by other means.
Links to Other Websites
Our website may contain links that allow you to visit other websites. We have no control over those websites, and this policy does not apply to them. Please read the privacy policies of these linked websites to learn about their information privacy practices before you submit any information to those websites.
We may engage in interest-based advertising, also known as “online behavioral advertising.” Interest-based advertising is advertising that is based on your web browsing behavior across websites and over time. We do not share your Personal Information for advertising purposes.
If you wish to opt-out of interest-based advertising, you may do using the opt-outs provided by the Digital Advertising Alliance and the Network Advertising Initiative.
Do-Not-Track. The Internet community has not reached a consensus on how websites should behave that receive the “do-not-track” signal from browsers. Accordingly, our Site does not alter its information collection practices based upon receipt of the “do-not-track” signal.
Our website is not directed to children under the age of 13, and we do not knowingly collect Personal Information from children under 13 through this website.
This section is applicable to individuals residing in California from whom we collect Personal Information as a business under the CPRA.
Personal Information Collection, Use, and Disclosure
For the purposes of this notice, Personal Information means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household, or as otherwise defined by the California Privacy Rights Act (California Civil Code §§ 1798.100 et seq.) and its implementing regulations, as amended or superseded from time to time (“CPRA”).
Personal Information does not include information that is:
The chart below provides the categories of Personal Information we have collected, disclosed for a business purpose, or used for business or commercial purposes in the preceding twelve months since this notice was last published or updated. The examples of Personal Information provided for each category reflect each category’s statutory definition and does not list exhaustively all of the specific types of Personal Information associated with each category.
| Category | We Collect | We Disclose | We Sell | Categories of Third Parties to Which We Disclose Personal Information |
|---|---|---|---|---|
| A. Identifiers Examples: Name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, or other similar identifiers. | Yes | Yes | No | Authorized Vendors, Service Providers, and Affiliates |
| B. Categories of Personal Information in Cal. Civ. Code Section 1798.80(e) Examples: Name, signature, , address, telephone number, Social Security number, employment history, insurance policy number, financial information, medical information, or health insurance information | Yes | Yes | No | Authorized Vendors, Service Providers, and Affiliates |
| C. Commercial Information Examples: Records of products or services purchased. | Yes | Yes | No | Authorized Vendors, Service Providers, and Affiliates |
| D. Internet or Other Electronic Network Activity Information Examples: Browsing history, search history, and information regarding a consumer’s interaction with an internet website, application. | Yes | Yes | No | Authorized Vendors, Service Providers, and Affiliates |
| E. Professional or employment-related information Examples: Job application or resume information, past and current job history, and job performance information. | Yes | Yes | No | Authorized Vendors, Service Providers, and Affiliates |
We do not sell and have not sold Personal Information, including Sensitive Personal Information, in the preceding 12 months. Without limiting the foregoing, we do not sell the Personal Information, including the Sensitive Personal Data, of minors under 16 years of age. We do not knowingly “share” the Personal Information, including the Sensitive Personal Information, of minors under 16 years of age.
Use of Personal Information
We collect, use, and disclose your Personal Information in accordance with the specific business and commercial purposes below:
Note on Sensitive Personal Information: We do not infer characteristics from sensitive personal information. We only use sensitive Personal Information as necessary to perform the service the average person would reasonably expect when requesting those services, to ensure security and integrity, short term transient use, to maintain the quality of our products and services, or for other purposes permitted by the California Privacy Rights Act and implementing regulations without the right to opt out.
Collection of Personal Information
We collect Personal Information actively (e.g. direct input from individual) or passively (e.g. website cookies) from you. Additionally, we may also collect Personal Information from third-party sources, such as our affiliates, business partners, and service providers.
Disclosure of Personal Information
Pursuant to our Privacy Policy, we disclose your Personal Information to the following categories of third parties:
How Long We Keep Your Personal Information
We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. We will retain Personal Information longer as necessary to comply with legal, administrative, contractual or procedural requirements, for example, a litigation hold.
Your California Privacy Rights
If you are a California resident, you may exercise the following rights:
Right to Know and Access. You may submit a verifiable request for information regarding the: (1) categories of Personal Information collected, or disclosed by us; (2) purposes for which categories of Personal Information are collected, or shared by us; (3) categories of sources from which we collect Personal Information; (4) categories of third parties with whom we disclosed, or shared Personal Information; and (5) specific pieces of Personal Information we have obtained from you.
Right to Delete. Subject to certain exceptions, you may submit a verifiable request that we delete Personal Information about you that we have collected from you.
Right to Correct. You have the right to submit a verifiable request for the correction of inaccurate Personal Information maintained by us, taking into account the nature of the Personal Information and the purposes of processing the Personal Information.
Verification. Requests to know, correct, and delete Personal Information are subject to our ability to reasonably verify your identity in light of the information requested and pursuant to relevant CPRA requirements, limitations, and regulations. To verify your request to know, correct, or delete, please provide us with your current name, email address, and phone number in your request and we will reach out to you to obtain additional information, if necessary.
Right to Equal Service and Price. You have the right not to receive discriminatory treatment for the exercise of your CPRA privacy rights.
Submit Requests. To exercise your rights under the CPRA, send an email to privacy@uzio.com. Please be sure to explain which right you wish to exercise and provide the verification information listed above in the content of your request.
Authorizing an Agent. To authorize an agent to make a request to know, correct, or delete on your behalf, please send a written authorization signed by you and the authorized agent to privacy@uzio.com.
Do Not Track
There is no accepted standard on how to respond to Do Not Track signals, and we do not respond to such signals.
Contact Information
If you have any questions, comments, or concerns about our processing activities, or you would like to exercise your privacy rights please email us at privacy@uzio.com.
