(Personal Information (Including Social Security Number) Privacy Protection Policy HIPPA Notice of Privacy Practices Pharmacy Notices Contacting the Privacy Office California Consumer Privacy Practices Pharmacy Privacy Notices Contracting the Privacy Office California Consumer Privacy Act (CCPA) Privacy Notice (Note about CCPA: This privacy notice is not applicable to the Public Safety  Health  and  Welfare,  Inc.  health plans.   Public Safety  Health  and  Welfare,  Inc.  health plan members and applicants should refer to the HIPAA Notice of Privacy Practices.) 

Contact Info@RespondersHealth.org 

PERSONAL INFORMATION (INCLUDING SOCIAL SECURITY NUMBER) PRIVACY PROTECTION POLICYWe are committed to safeguarding the Personal Information we receive from our customers and associates. We impose standards to maintain the confidentiality of Personal Information. And we use physical, technical, and administrative safeguards to protect it.

Personal Information is information that can be connected to you through certain identifierswhich can include: name, Social Security number (SSN), driver’s license, state identification card, account, credit/debit card, passport or alien registration numbers — among other items. Personal Information does NOT include publicly available information that is lawfully made available to the general public from federal, state or local government records or widely distributed media.
Our policies prohibit the unlawful disclosure of Personal Information. We share it externally only where federal and state law allows or requires it. Internally, it’s our policy to limit the access, use and disclosure of Personal Information to be in line with the job duties our associates, as well as applicable law.If you have questions about this, call Member Services at the toll-free number on the back of your ID card.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA) NOTICE OF PRIVACY PRACTICESOur Notice of Privacy Practices explains how your health information may be used and/or disclosed and how to access this information in accordance with HIPAA, an important federal privacy law. The notice reflects our obligations under Federal and individual State regulations. By law, we’re required to send our fully-insured health plan members a notice with those details.These notices generally don’t apply if you’re part of an administrative services only (ASO) group health plan. To see which type of health plan you have, and whether this applies to you, check with the person or team that handles your health plan at your employer  Or  RespondersHealth,  LLC  Contact  888.531.8890.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA) NOTICE OF PRIVACY PRACTICES The below Notices of Privacy Practices explain how your health information may be used and/or disclosed and how to access this information in accordance with HIPAA, an important federal privacy law. The notices reflect the pharmacy obligations under Federal and individual State regulations. By law, we’re required to send our members a notice with those details.

Contacting the Privacy OfficeContact us if you have a privacy questions or need to report a privacy issue. Call Member Services at the toll-free number on the back of your ID card. Write to the Privacy Office at: RespondersHealth, LLC 21517  N  120th  AVE  Sun  City ,  AZ  85373.  Email the Privacy Office at Info@RespondersHealth.org.

notice is not applicable to RespondersHealth, LLC. the HIPAA Notice of Privacy Practices.)

Please contact Info@RespondersHealth.org  for Privacy Notices.

Privacy Authorization FormsWe are committed to complying with HIPAA. HIPAA allows us to use and disclose identifiable health care and demographic information called Protected Health Information (PHI) for Treatment, Payment and Health care operations (TPO) purposes. Beyond TPO, you have the right to permit the release of your PHI by completing a Member Authorization form to define who can see your PHI.If you would like your PHI disclosed with someone outside our company, contact  RespondersHealth,  LLC  at  888.531.8890  or  by  email  Info@RespondersHealth.org.   Please  email  in  subject  line   Request  Member  Authorization  form  and send the form to the address on the back of your ID card. Or, if you do not have an ID card, call us at 888.531.8890. 

CONTACTING YOUWe, including our affiliates or vendors, might call or text you using an automated telephone dialing system and/or a prerecorded message. But we only do this in accordance with the Telephone Consumer Protection Act (TCPA). The calls may be to let you know about treatment options or other health-related benefits and services. If you do not want to be contacted by phone, just let the caller know and we won’t reach out this way in the future. You may also call toll-free at 877.216.4680  to place your phone number on Health365  Health  and  Welfare  Benefits  Association,  Inc. internal Do Not Call list.
WEB PRIVACY STATEMENTYour privacy is very important to us and we will make every reasonable effort to safeguard any information we collect.

What information will we collect?Information may be collected in the following ways on this website and Application:

• If we provide user account access, you may elect to establish an account so that you can gain additional access to online service applications, health tools, health information, subscriptions or other services where it is important for us to know who you are in order to best meet your needs. Providing personal information is always voluntary.
• We may use “cookies” to help us improve this website and Application by tracking your navigation habits and to store some of your preferences. A cookie is a small file created by a website or application to store information on your computer. Cookies do not allow websites or applications to gain access to other information on your computer. Once a cookie is saved on your computer, generally only the website or application that created the cookie can read it.
• An Internet Protocol (IP) address is a number that automatically identifies the computer or mobile device that you are using to access the Internet. The IP address enables our server to send you the site pages that you want to visit or the data you want to view. The IP address may disclose the server owned by your Internet Service Provider. We use your IP address to help diagnose problems with our server and to support our administration of this website and Application.

How will information be used?Any personal information that you provide is used for the purpose for which you provide it. For example, if you use location services to find a provider near your current location, your location is used only to facilitate that function. Or if you provide us with an email address we will only use it in a manner consistent with your consent for us to do so.We may also gather quantitative user information, such as the number of users and the pages or data accessed, in order to perform administrative, technical, hosting or other functions that help us manage our website and Application and deliver new functionality to you. We do not sell, license, transmit or disclose personal information that you provide to us to third parties except with the following exceptions:

• Upon your authorization;
• When such disclosure is necessary to allow us and our contractors or agents to carry out treatment, payment or health care operations; or
• When required or permitted by law.

Third parties We may work with third party service providers who may place third party persistent cookies, web beacons, or similar technologies to collect anonymous information about the use of our websites and Applications. They are not permitted to collect any personal information, and this information will be solely used for web usage analysis for a better understanding of how you use our website Application, and/or to customize our content and advertising.

What if I don’t want information about me to be collected? Providing personal information through this website or Application is optional. Personally identifiable information will not be collected from you without your knowledge and approval.If you do not wish to have your activity on our website or Application tracked, you can opt-out at any time here to discontinue first party cookie tracking of your web activity.You also have the choice to opt-out of third party cookies, web beacons or similar technologies, if you do not want third party service providers to collect your anonymous information for marketing purposes, visit the Network Advertising Initiative (NAI) website to perform the opt-out. Additionally, you can direct your Internet browser to notify you and seek approval whenever a cookie is being sent to your hard drive. You may also delete a cookie manually from your computer, tablet or smartphone through your Internet browser settings or other programs. You can also set your browser to refuse all cookies. Please note that some parts of this website or Application may not function properly or be available to you, if you refuse to accept a cookie or choose to disable the acceptance of cookies.

“Do Not Track” SignalsWe do not respond to web browser “do not track” signals. As such, your navigation of our website and Application may be tracked as part of the gathering of quantitative user information described above. If you arrive at our website or Application by way of a link from a third party application that does respond to “do not track” requests, the recognition of any “do not track” request you have initiated will end as soon as you reach our website or Application.

Use of email and fax We may provide email and fax links to further facilitate communication for our members and their designees and caregivers. Information collected through email may be shared with our Member Services department, other associates, or third parties that perform services on our behalf. Unless otherwise noted, email through our website or Application is not a completely secure and confidential means of communication. Non-encrypted email may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us.Also, if you request that we email or fax information about you to someone using the email and fax capabilities in this website or Application, that email or fax may not be completely secure. Please verify email addresses and fax numbers carefully before submitting such a request.

Linking to Other Sites From time to time we will provide links to websites or applications not owned or controlled by us. We do this because we think the information might be of interest or use to you. A link to a third party website or application does not constitute or imply endorsement by us. We cannot guarantee the quality or accuracy of information presented on third party websites or applications. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of third party websites or applications. We encourage you to review the privacy practices of any website or application you visit.

HEALTH INFORMATION EXCHANGES We may share your information with health information exchanges (HIE), which allow doctors, hospitals and payers to view/share your health information quickly and easily — for treatment, payment or health care operations. These exchanges can improve the speed, quality, safety and cost of your care. Doctors, health insurers and others using an exchange like this are required to follow the privacy and security standards set by state and federal laws and  its  Third  Party  Administrators’  and  Adminstrative  Service  Organizations’  working  on  behalf  of RespondersHealth,  LLC   receives information from several HIEs. If you want to opt-out of having health information in these HIEs, you may contact the following: California: Manifest MedExIndiana: Indiana Health Information Exchange Maryland: Chesapeake Regional Information Systems for PatientsMichigan and Indiana: Michiana Health Information Network Ohio: CliniSync Health Information Exchange New York City and Long Island: Healthix Nevada: HealtHIE NevadaTennessee: Tennessee eHealth Information Exchange QuestionsIf you have questions regarding this policy or if you would like to review or change any of your personal information we have on file, please call us at the number on the back of your ID card.  Or  888.531.8890.This privacy statement is effective August  20, 2020 and was most recently reviewed August 18, 2020. This privacy statement is subject to change. We encourage you to review it from time to time.CONSUMER PRIVACY PROTECTION INFORMATION 

• Federal Trade Commission (FTC)
• USA.gov Identity Theft website
• Consumer.gov Identity Theft website

INSXCLOUD PRIVACY

www.Responders.insxcloud.com Site

Website Privacy Last modified on: October 1, 2022 INSXCloud Notice of Privacy Policy

Welcome to the website of INSXCloud, Inc., a company that provides information and services to help you find, enroll in, and make the best use of your marketplace health insurance! INSXCloud is committed to protecting and respecting your privacy. This Privacy Notice describes how we collect, use, protect and share information about you that we obtain when you access and use our website, including when you register for an account, request a quote, or submit questions or feedback. The Privacy Notice also applies to information that we obtain when you communicate or interact with us outside of the website, including by e-mail, telephone and otherwise.

INSXCloud Commitment to Data Privacy Protection

At INSXCloud, we know how important your privacy is to you. We are committed to protecting any personal information that you provide us on this website according to applicable laws, regulations and accreditation standards and practices. We are constantly evaluating new administrative, technical, and physical safeguards for protecting your information. We urge you to read our Privacy Policy so that you will understand both our commitment to you and your privacy, and how you can participate in that commitment.

Please read this Privacy Notice carefully before you use our website or communicate with us. Changes to this Privacy Notice are discussed at the end of this document.

BY ACCESSING OR USING OUR WEBSITE/PLATFORM, OR COMMUNICATE WITH US OUTSIDE OF THE WEBSITE, YOU ARE ACCEPTING AND CONSENTING/AGREEING TO BE BOUND AND ABIDE BY THE TERMS OF USE AS WELL AS ANY PRACTICES DESCRIBED IN THIS PRIVACY POLICY, WHICH MAY BE UPDATED AND AMENDED FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY, YOU MUST NOT ACCESS OR USE OUR WEBSITE OR OTHERWISE COMMUNICATE WITH US.

The Information We Collect

When you access our Web sites, we may automatically (i.e., not by registration) collect non-personal data (e.g., type of Internet browser and operating system used, domain name of the Web site from which you came, number of visits, average time spent on the site, pages viewed). This information is used internally at INSXCloud to improve our Web sites performance or content.

How Information May Be Used – Personally Identifiable Information (PII)

We may use the Personally Identifiable Information we collect to:

• Create and manage your account;

• Provide the website to you;

• Operate our website, including, without limitation, providing quotes, and submitting and monitoring health insurance

applications, access management, payment processing, website administration, internal operations,

troubleshooting, data analysis, testing, research, statistical and survey purposes;

• Send you information that enables you to use our website;

• Contact you about activity on your account;

• Provide you access to, and updates regarding health insurance and other related offers via text message;

• Respond to your requests, feedback or inquiries;

• Notify you about updates, information, or alerts regarding our website;

• Process payments;

• Protect and enforce our rights and the rights of other Users against unlawful activity, including identify theft and

fraud, and other violations of our Terms of Use;

• Protect and enforce our rights arising under any agreements entered into between you and us, including billing and

collection;

• Protect the integrity and maintain the security of our website, including secured areas of the website;

• Operate, evaluate, and improve our business, including conducting surveys and market research, developing new

products, services, and promotions (such as, for example, special events, programs, offers, contests), analyzing and enhancing existing products, services, and promotions, managing our communications; performing accounting, auditing, and other internal functions;

• Provide you with information and advertisements about products, services, and promotions, from us or third parties, that may interest you; and

• Administer your participation in such products, services, and promotions.

In addition, we may use your information as described in any notice provided at the time you provide the information and for any other purpose for which you may provide consent.

How Information May Be Used – Non-Personally Identifiable Information

In addition to the uses described above, we may also use Non-Personally Identifiable Information to:

• Deliver content (including advertising) tailored to your interests and the manner in which you use our website;

• Present content in a manner that is optimized for your device; and

• Measure and analyze the effectiveness of advertising we serve you.

We may also combine technical information, or Non-Personally Identifiable Information, about your use of our website with information that we obtain from other Users to use in an aggregate or anonymous manner for similar purposes.

How Information May Be Shared - Personally Identifiable Information (PII)

We will not sell or share your Personally Identifiable Information with third parties for the third party’s own direct marketing purposes without your express consent. We may share your Personally Identifiable Information with:

• The Centers for Medicare and Medicaid Services (“CMS”) in order to obtain an eligibility determination for you, and to enroll you in health insurance plans offered on the federal healthcare exchange;

• Other computer systems/information platforms owned and operated by our company1;

• The organizations or entities on behalf of which we are providing the Website to you and/or on behalf of which you

access or use the Website, such as your employer, and other companies associated with those organizations or

entities in order to enable their systems to operate with the Website;

• Third party insurance companies to which you submit an application for health insurance on, or through, the

website;

• Your employer(s), affinity group, and/or benefits administrators or consultants, if you are referred to the Website by

such respective parties;

• If you are a licensed insurance agent using INSXCloud’s agent platform, the designated administrator of your

account, if you have an individual sub-account, regarding use of the Services by individual sub-accounts;

• Your licensed insurance agent, if applicable;

• Our service providers to the extent reasonably necessary to enable us to operate our business and provide our

website to you, as described in this Privacy Notice (e.g., to an e-mail service provider in order to enable us to e-mail

you);

• A buyer or other successor in interest to INSXCloud, Inc. in the event of a merger, divestiture, restricting,

reorganization, dissolution, liquidation, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personally Identifiable Information held by us about our Users is among the assets transferred;

• Other third parties with your express consent for any purpose disclosed by us when you provide the information; and

• You, upon your written request.

We may also share Personally Identifiable Information with law enforcement agencies, government officials, or other third parties as necessary for the purpose of:

• Complying with any court order, law or legal process, including to respond to any government or regulatory request;

• Preventing fraud protection and credit risk reduction;

1 If you wish to ‘Opt-Out’ giving us permissions, please send an email to Privacy@insxcloud.com

• Investigating potential unauthorized access or misuse of our website or other breach of our Terms of Use, Supplemental Terms, Website Policies or other agreements;

• Protecting the assets or property, and enforcing the rights of INSXCloud, Inc., including for billing and collection purposes; and

• Protecting the rights, property, or safety of our Users or others.

How Information May Be Shared - Non-Personally Identifiable Information

In addition, we may share Non-Personally Identifiable Information, including aggregated or anonymized data:

• With our partners about how our Users collectively use our website, so that our partners may also understand how often people use their services and our website;

• With analytics companies, search engines, or other service providers that help us improve our website;

• To report to our affiliates, licensors and service providers, advertising partners and add networks about the use of

various aspects of the website;

• With other Users or prospective Users of the Website; and

• To advertisers and advertising networks to select and serve relevant advertisements.

We will use "Cookies" – Information Stored Automatically on Your Computer

When you view one of our Web sites, we may store some data on your computer in the form of a "cookie" to automatically recognize your PC next time you visit. Cookies can help us in many ways, for example, by allowing us to tailor a Web site to better match your interests.

There are two types of cookies: single session (temporary) and multi-session (persistent). Session cookies last only as long as your Web browser is open. Once you close your browser, the cookie disappears. Persistent cookies are stored on your computer for longer periods.

• Session Cookies: We use session cookies for technical purposes such as to allow better navigation through our site. These cookies let our server know that you are continuing a visit to our site.

• Persistent Cookies: We use persistent cookies to understand the differences between new and returning INSXCloud website visitors. Persistent cookies remain on your computer between visits to our site until they expire.

How to Opt Out or Disable Cookies

If you do not wish to receive cookies, please configure your Internet browser to erase all cookies from your computer's hard drive, block all cookies or to receive a warning before a cookie is stored. If you opt out of cookies, you will still have access to all information and resources on INSXCloud websites.

IP Addresses

We collect and log the IP address of all visitors to our websites. An IP address is a number automatically assigned to your computer whenever you access the Internet. IP addresses allow computers and servers to recognize and communicate with one another.

We collect IP address information so that we can properly administer our systems and gather aggregate information about how our site is being used, including the pages visitors are viewing. This aggregate information is not shared outside of INSXCloud. To maintain your anonymity, we do not associate IP addresses with records containing personal information.

We will use IP address information, however, to personally identify you in order to enforce our legal rights or when required to do so by law enforcement authorities.

Security of Your Personal Information

The security of your Personal Information is very important to INSXCloud. We use physical, electronic, and administrative safeguards that are designed to protect your Personal Information from loss, misuse, and unauthorized

access, disclosure, alteration, and destruction. In addition, INSXCloud uses standard security protocols and mechanisms to exchange the transmission of sensitive data. When you enter sensitive Personal Information on our site, we encrypt it using secure socket layer (SSL) technology.

Since no system can guarantee complete security of your information, should your Personal Information be acquired, or is reasonably believed to have been acquired, by an unauthorized person and applicable law requires notification, INSXCloud will notify you by e-mail, fax, or U.S. mail. INSXCloud will give you notice promptly, consistent with the reasonable needs of law enforcement and/or INSXCloud to determine the scope of the breach and to investigate and restore the integrity of the data system. Please note that you are responsible for protecting your password(s) and for the security of information that you transmit to us over the internet.

Sensitive Information

We ask that you not send us, and you not share any sensitive Personal Information (e.g., Social Security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, criminal background, or trade union membership) on INSXCloud.com.

Children

INSXCloud sites are intended to be used by persons who are aged 18 and older. It is not intended for or designed to attract people under the age of 18. If you are under 18 years of age, you are not permitted to register for an account or otherwise submit any Personally Identifiable Information to us, including your name, address, or e-mail address. By registering for an account or submitting any Personally Identifiable Information to us, you represent and warrant that you are 18 years of age or older.

If we discover that we have received any Personally Identifiable Information directly from a child under the age of 18, we will suspend the associated account and remove that information from our database as soon as possible. By registering for an account or otherwise submitting any Personally Identifiable Information to us, you represent and warrant that you are 18 years of age or older. This restriction does not apply to information collected from a parent or legal guardian who provides information regarding a dependent child under the age of 18 in connection with a health insurance application or other related purpose.

Links to Other Web Sites

INSXCloud Web sites may contain links to other Web sites and services, including those of third-party insurance providers and advertisers. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to INSXCloud, Inc. and our websites only. We do not accept any responsibility or liability for the policies or practices of any third parties. If you choose to access any websites or services linked from our website, please check the applicable policies before you use or submit any personal data to such website or service.

Your Consent

By using our website, you consent to the collection and use of the information discussed above by INSXCloud. If you do not agree with this policy, or do not want to provide your required information as discussed above, please do not use our

Site. Changes in this policy will be posted on this page so that you may always be aware of what information is being collected, how it is being used, and under what circumstances it is being disclosed.

Retention and Deletion

INSXCloud will retain your Personal Information for as long as your account is active; as needed to provide you products or services; as needed for the purposes outlined in this policy or at the time of collection; as necessary to comply with our legal obligations (e.g., to honor opt-outs), resolve disputes, and enforce our agreements; or to the extent permitted by law.

At the end of the retention period, INSXCloud will delete your Personal Information in a manner designed to ensure that it cannot be reconstructed or read.

Changes to This Notice

We reserve the right to change the terms of this Notice of Privacy as necessary and to make the new notice effective for all data maintained by us. All changes to this Privacy Notice will be reflected on this page and the Effective Date will be stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. INSXCloud, Inc. will always post new versions of the Privacy Notice on the website. In the event that an amendment materially alters your rights or obligations, we may notify you of the amendment, such as by posting a notification to the home page of the website, or sending a notification to you at the address we have on file for you, if any.

Your continued use of the website or communication with us after the updated Privacy Notice has been posted (or any other indication of your consent) will constitute your acceptance of the updated Privacy Notice. You may obtain a copy of the current notice from www.INSXCloud.com, or by mailing a request to the INSXCloud Privacy Officer listed below.

Access, Corrections, and Profile Updates

You may request to review, correct, update, suppress, or otherwise modify any of your Personal Information that you have previously provided to us through INSXCloud.com, or object to the use or processing of such Personal Information by us.

In your request, please make clear what Personal Information you would like to have changed, whether you would like to have your Personal Information that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information that you have provided to us.

While the majority of questions and issues related to access can be handled quickly, complex requests may take more research and time. In such cases, issues will be addressed, or you will be contacted regarding the nature of the problem and appropriate next steps, within thirty days.

Requests and/or Complaint process

If you have a question, complaint, request to inspect/amend records, or if you believe your privacy rights have been violated, you may contact the INSXCloud Privacy Officer via email at privacy@INSXCloud.com or postal mail at:

INSXCloud Privacy Officer

4040 Embassy Parkway, Suite 270 Akron, OH 44333

To file a HIPAA Privacy Rule and Security Rule complaint, please contact the HHS Office for Civil Rights (OCR). OCR manages HIPAA privacy and security complaints and enforcement activities.

There will be no retribution for filing a complaint.