Benefits Navigator Privacy Policy

  1. INTRODUCTION

Benefits Navigator, and its subsidiaries, divisions, and affiliates (“Benefits Navigator”) understand the importance of your privacy and protecting your personal information. Accordingly, the purpose of this Privacy Policy (the “Policy”) is to describe how Benefits Navigator collects, uses, and shares information about you through our website, social media, email exchanges, mobile apps, and other online services on which this Policy is posted (the “Service”). Please read this Policy carefully to understand what we do. If you do not understand or agree to any aspects of our Policy, please contact us before continuing to use our Service. This Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Policy. To the extent that any translated versions of this Policy conflict with the English language version, the English language version of this Policy shall control.

  1. COLLECTION OF PERSONAL INFORMATION

Information you provide to us

We collect information you provide to us when you create or modify your account; register to use our website, www.benefitsnavigator.app (the “Site”); purchase products or services from us; post comments or reviews on our Site; request information from us; contact customer support; or otherwise communicate with us.

Information we obtain indirectly

We may receive certain information about you through our third-party affiliates or partners and from other companies that provide us with such information as a part of their relationship with us, including Google Analytics and Hotjar.

Information we collect automatically

When you use our Service, we collect certain information about you automatically through our use of cookies and similar technologies.

  1. CATEGORIES OF PERSONAL INFORMATION AND PURPOSE FOR COLLECTION

Benefits Navigator collects the following categories of personal information: (1) contact information, including your name, address, email address, and telephone number; (2) authentication information, including the user name and password that you use to register an account on the Site; (3) financial information, including your debit or credit card number, its expiration date, and its security code, for payment processing purposes; (4) personal characteristics, including date of birth, photographs of your ID, insurance card, and other information relevant to diagnosis and treatment, such as general medical history; (5) comments, reviews, and suggestions; (6) personal preferences including product preferences, online preferences, and interests; (7) online behavior information including online activity, preferences, and time spent viewing features; and (8) IP address, mobile network information, or device information. Benefits Navigator only collects and processes the minimum amount of personal information from you that is necessary to the purposes of our information processing activities and retains such information only if required to fulfill such purposes. Additionally, any information sent by you to a doctor regarding your diagnosis or treatment is kept private and confidential. Our information processing activities include conducting our business, customer communications and support, user verification, payment processing, shipping, quality management services, Site maintenance and improvements, enforcing our legal rights, and complying with legal requirements. Where applicable, if Benefits Navigator intends to further process your personal information for a purpose other than that for which the personal information was initially collected, Benefits Navigator shall, prior to such processing, provide you with any relevant information on such additional purpose, and, to the extent required by applicable law, obtain your consent for this.

  1. DISCLOSURE OF PERSONAL INFORMATION

Benefits Navigator does not trade, rent, or sell your personal information to third parties.We may share or disclose your personal information for the following limited purposes:

  • Healthcare Providers.We share your personal information with independent medical groups, doctors, and relevant medical staff (“GROUP”) to provide you with services related to your diagnosis and treatment. In addition to this Policy, our disclosure of your personal information to GROUP is subject to GROUP’s Notice of Privacy Practice Policy.
  • Vendors and Services Providers.We may provide information to third party vendors and service providers that perform services and functions on our behalf to help us operate and manage our Site, process orders, and fulfill and deliver products and services that you purchase from us. These vendors and service providers will have access to your personal information in order to provide these services, but when this occurs we implement reasonable contractual and technical protections to limit their use of that information to helping us provide our Service and support our interactions with you.
  • Your Consent to Have Your Personal Information Shared.In addition to the sharing described elsewhere in this Policy, we will share personal information with companies, organizations, or individuals outside of Benefits Navigator when we have your consent to do so.
  • Legal Disclosure.We will share personal information with third party companies, organizations, or individuals outside of Benefits Navigator when we believe in good faith that access, use, preservation, or disclosure of the information is reasonably necessaryto comply with a legal obligation; when we believe in good faith that the law requires it; at the request of governmental authorities conducting an investigation; to verify or enforce our agreements, terms of use, or other applicable policies; to respond to an emergency; or otherwise to protect the rights, property, safety, or security of Benefits Navigator, third parties, visitors to our Site, or the public, as required or permitted by law.
  • Transfer in the Event of Sale or Change of Control.If the ownership of all or substantially all of our business changes, or we otherwise transfer assets relating to our business or the Site to a third party, such as by merger, acquisition, bankruptcy proceeding or otherwise, we may transfer personal information to the new owner. In such a case, unless prohibited by applicable law, your information would remain subject to the privacy policy applicable at the time of such transfer, unless you discontinue use of our Service. We will inform you of any such changes in ownership. We will also inform you if we sell your personal information to any new owners.
  1. ACCESS TO YOUR INFORMATION AND CHOICES

You can access and update certain information we have relating to your online account by signing into your account and going to the Account section of our Site. If you have questions about personal information we have about you or need to update your information, you can email us at Support@allyhealth.net or call us at 215-543-7400.

  1. SECURITY OF YOUR INFORMATION

We use industry standard physical, technical, and administrative security measures and safeguards to protect the confidentiality and security of your personal information. Please be advised, however, that while we take reasonable security measures to protect your personal information, such measures cannot be guaranteed to be secure. Benefits Navigator cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your personal information. Accordingly, it is your responsibility to protect the security of your login information, including your username and password. Additionally, please note that emails and other communications you send to us through our Site are not encrypted, and we strongly advise you not to communicate any confidential information through these means.

  1. COOKIES AND OTHER TECHNOLOGIES

We and our service providers use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with our Site through your computer or mobile device. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the Site again, the cookie allows the Site to recognize your browser. Cookies may store unique identifiers, user preferences, and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Site features or services may not function properly without cookies. We use cookies to improve the quality of our service, including for storing user preferences, tracking user trends and providing relevant advertising to you.Benefits Navigator also uses Google Analytics. Google Analytics is a web analytics service provided by Google, Inc. to collect certain information relating to your use of the Site. Google Analytics uses cookies to help the Site analyze user activity. We may also use Google Analytics Advertising Features or other advertising networks to provide you with interest-based advertising based on your online activity.

  1. ADVERTISEMENT

We may use how you browse and shop in order to show you ads for Benefits Navigator or our advertising partners that are relevant to your interests. We may use cookies and other information to provide relevant interest-based advertising to you, and ad networks to which we belong may use your browsing activity across participating websites to show you interest-based advertisements on those websites. Interest-based ads are ads presented to you based on your browsing behavior in order to provide you with ads more tailored to your interests. These interest-based ads may be presented to you while you are browsing our Site or third-party sites not owned by Benefits Navigator. Currently, our Site does not recognize if your browser sends a “do not track” signal or similar mechanism to indicate you do not wish to be tracked or receive interest-based ads.

  1. CHILDREN’S PRIVACY

If you are under the age of 18, please do not attempt to register with us at this Site, engage our Service, or provide any personal information about yourself to us. If we learn that we have collected personal information from someone under 18, we will promptly delete that information. If you believe we have collected personal information from someone under the age of 18, please email us at Support@allyhealth.net or call us at 215-543-7400.

  1. SPECIAL NOTE TO CALIFORNIA RESIDENTS

In compliance with California law, we provide California residents with certain information and access upon request (“Consumer Request”). This Policy outlines how California residents can request the information and what you can receive. If you would like to submit a Consumer Request, you can contact Benefits Navigator at support@allyhealth.net and 215-543-7400. If you choose to submit a Consumer Request, you must provide us with enough information to identify you and enough specificity on the requested data. Benefits Navigator will only use the information it receives to respond to your request. Benefits Navigator will not be able to disclose information if it cannot verify that the person making the Consumer Request is the person about whom we collected information, or someone authorized to act on such person’s behalf. “Personal information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. “Personal information” does not include publicly available information.

    1. Request to Access. You may submit a Consumer Request to obtain a copy of or access to the personal information that Benefits Navigator has collected on you.
    2. Request to Know. You may submit a Consumer Request to receive information about Benefits Navigator’ data collection practices. You may request information on the categories of personal information (as defined by California law) Benefits Navigator has collected about you; the categories of data collection sources; Benefits Navigator’s business or commercial purpose for collecting or selling personal information; the categories of third parties with whom Benefits Navigator shares personal information, if any; and the specific pieces of personal information we have collected about you.

Please note that the categories of personal information and sources will not exceed what is contained in this Policy. Additionally, Benefits Navigator is not required to retain any information about you if it is only used for a one-time transaction and would not be maintained in the ordinary course of business. Benefits Navigator is also not required to reidentify personal information if it is not stored in that manner already, nor is it required to provide the personal information to you more than twice in a twelve-month period.

If you would like to know if Benefits Navigator has disclosed information about you to specific third parties, you may also email support@allyhealth.net to receive information about the categories of information that we disclosed to third parties for their direct marketing purposes. You may receive the names and addresses of those third parties, and you may request this information for the year prior to your request. Note that these particular requests may only be made once per calendar year.

Request to Delete. You may request that Benefits Navigator delete your personal information. Subject to certain exceptions set out below we will, on receipt of a verifiable Consumer Request, delete your personal information from our records and direct any service providers to do the same.

Please note that we may not delete your personal information if it is necessary to:

  • complete the transaction for which the personal information was collected;
  • provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
  • detect security incidents, protect against malicious, deceptive activity, and take all necessary and appropriate steps to mitigate current and future risk;
  • debug and repair internal information technology as necessary;
  • undertake internal research for technological development and demonstration;
  • exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
  • comply with the California Electronic Communications Privacy Act;
  • engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
  • enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • comply with an existing legal obligation; or
  • otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Benefits Navigator may not, and will not, treat you differently because of your Consumer Request activity. As a result of your Consumer Request activity, we may not and will not deny goods or services to you; charge different rates for goods or services; provide a different level quality of goods or services; or suggest any of the preceding will occur. However, we can and may charge you a different rate, or provide a different level of quality, if the difference is reasonably related to the value provided by your personal information.

  1. SPECIAL NOTICE FOR NEVADA RESIDENTS

Benefits Navigator does not sell, rent, or lease your personally identifiable information to third parties. However, if you are a resident of Nevada and would like to submit a request not to sell your personally identifiable information, you may do so by emailing us at support@allyhealth.net.

  1. LINKED SITES

The Site may contain links to third-party owned or operated websites, including, without limitation, social media websites (each a “Linked Site”), as a convenient method of accessing information that may be useful or of interest to you. This Policy and the practices that we follow under this Policy do not apply to Linked Sites. We are not responsible for the content, accuracy, or opinions expressed on any Linked Site or for the privacy practices or security standards used by third parties on such Linked Sites. These Linked Sites have separate privacy and data collection practices, and we have no responsibility or liability relating to them.

Accordingly, if you use Linked Sites through our Site, to login to our Site, or to share information about your experience on our Site with others, these Linked Sites may be able to collect information about you, including information about your activity on our Site. In accordance with their own privacy policies, the Linked Sites may further notify your social media connections about your use of our Site.

You understand and agree that by clicking on a link to a Linked Site or using a Linked Site as described above, this Policy, as stated on the Site, is no longer in effect because you have either left our Site or used a Linked Site to interact with our Site.

  1. USER CONTENT

Some features of the Service may now or in the future allow you to provide content, such as written comments or reviews, to be published or displayed on public areas of the Site (“User Content”). Be careful about giving out information in public areas of the Service. The information you share in public areas may be read, collected, or used by any user of the Service. We cannot control the actions of other users of the Site with whom you may choose to share your User Content.

  1. CONSENT TO PROCESSING OF PERSONAL DATA IN UNITED STATES

This Site is intended for use only by residents of the United States. If you are a citizen of the European Economic Area (EEA) or other jurisdiction outside of the U.S., please note that in order to provide our Site, products, and services to you, we may send and store your personal information (also commonly referred to as personal data) outside of the EEA, including to the U.S. Accordingly, your personal information may be transferred outside of the country where you reside or are located, including to countries that may not or do not provide the same level of protection for your personal information. We are committed to protecting the privacy and confidentiality of personal information when it is transferred. Where such transfers occur, we take appropriate steps to provide the same level of protection for the processing carried out in any such countries as within the EEA to the extent feasible under applicable law. By using and accessing our Site, users who reside or are located in countries outside of the United States agree and consent to the transfer to and processing of personal information on servers located outside of the country where they reside, and that the protection of such information may be different than required under the laws of their residence or location.

  1. CHANGES TO OUR PRIVACY POLICY

While this Policy may change from time to time, Benefits Navigator will enforce and comply with all applicable laws with respect to this Policy, any future versions of this Policy, our Service, our rights, and our obligations to you.  We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice, including, for certain services, email notification of privacy policy changes.

  1. QUESTIONS AND HOW TO CONTACT US

If you have any questions, concerns, complaints, or suggestions regarding this Policy, please  by emailing us support@allyhealth.net, calling us at 215-543-7400, or writing us by US postal mail at the following address:

100 Challenger Road, Suite 400, Ridgefield Park, NJ 07660