PRIVACY POLICY
Last Updated March, 2011
This Privacy Policy governs your use of this Website and any content, products or
services made available from or through this website including any sub domains
thereof (“Website”). The Website is made available by Alliance Health Advisors, Inc.
(Hereinafter referred to as “Company”).
By visiting this Website and requesting information, products or services offered on
or through this Website, you agree to the terms of this Privacy Policy, as they may be
amended from time to time. As Company updates or expands its Website, services or
products, this Privacy Policy may change and the changes are effective upon posting.
Please check back frequently for updates as it is your sole responsibility to be aware of
changes. Company does not provide notice of changes in any manner other than by
posting the changes at this Website. This Privacy Policy is incorporated into, and part
of, the Website Terms and Conditions which govern your use of this Website in general.
This Website is intended for users who are located in the United States of America.
The Privacy Policy shall be interpreted under the laws of the United States.
PURPOSE OF THE PRIVACY POLICY.
This Policy describes the information collection, use, and dissemination practices of
Company, its parent, subsidiaries and registered d/b/a companies (Collectively Referred
herein after as “Company”) and all related websites owned or registered to Company.
It governs Company’s right to collect, use, store and disclose information provided by
You on its (a) this Website, (b) Company’s other Websites, (c) on various Third Party
websites, and (d) Company's other information collection and distribution practices,
including the acquisition of your information from and to Third Parties. Company is not
responsible for the information collection or privacy practices of third party websites or
applications which company does not own or control.
By providing us with Personal Information about yourself on our Website or in the
course of using our services, you consent to the transfer of your Personal Information,
and any other data we acquire about you from third-party service providers for
commercial use.
INFORMATION COLLECTION, USE, AND DISSEMINATION PRACTICES.
Collection of Information.
1.1.
User Direct Information. Each time you provide or transmit information via the
Website, Company may obtain and collect personal information about you, including,
but not limited to, your name, email address, mailing address, social security number,
credit card information, bank account information and telephone or cell phone number
(collectively referred to as "Personal Information").
1.2.
Survey Information. Company may collect Personal Information from you
when you voluntarily complete a Company survey, order form, or a registration page
either online by using the internet or offline by providing this information through the
mail, in person or using a telephone. This information may be collected by surveys,
order forms, or registration pages operated by third parties. This method of collection
is collectively known as a “Survey.” In such Surveys, Company or a third party may
ask you to provide Personal Information including your name, email address, street
address, zip code, telephone numbers (including cell phone numbers and carriers),
birth date, gender, salary range, education and marital status, occupation, social
security number, employment information, personal and online interests, and such
other information as may be requested from time to time. Company may also collect
such information concerning you from another source and uses that information in
combination with information provided from the Website or Surveys. Completing the
Surveys is completely voluntary, and you are under no obligation to provide Survey
Information to Company or a third party.
1.3.
Third Party Information. Company may collect Personal Information from you
when you provide information to a third party and Company subsequently acquires or
uses the information provided by the third party. Such information may include, but is
not limited to, your name, email address, street address, zip code, telephone numbers
(including cell phone numbers and carriers), birth date, gender, salary range, education
and marital status, occupation, industry of employment, personal and online interests,
and such other information you may have provided to the third party. When acquiring
this information, Company seeks assurances from the third party that you agreed to
provide and have such information acquired by Company. If you did not give express
permission, or you would like to remove your permission, you may suppress all of your
information by sending notification to us at unsubscribe@frontlinedirect.com.
1.4.
Other Methods of Collecting Personal Information. Other occasions when
Company obtains information from you include: (1) when you claim a prize or seek
to redeem an offer by Company or by a third party; (2) when you request assistance
through Company’s customer service department; and (3) when you voluntarily
subscribe to a Company service or newsletter.
1.5.
Cookies, Web Beacons, and Other Info Collected Using Technology. Company
currently uses cookie and web beacon technology to associate certain Internet-related
information about you with information about you in its database. Additionally, Company
may use other new and evolving sources of information in the future.
(a)
Cookies. “Cookies” are a feature in your browser software. If enabled, we
may write cookies that may store small amounts of data on your computer about
your visit to any of the pages of this Site. Cookies assist us in tracking which of
our features appeal the most to you and what content you may have viewed on
past visits. When you visit this site again, cookies can enable us to customize our
content according to your preferences. We may use cookies to: keep track of the
number of return visits to this site; accumulate and report aggregate, statistical
information on website usage; deliver specific content to you based on your
interests or past viewing history; save your password for ease of access to our
Site. You can disable cookies, although the Site may not function properly for
you. Your browser preferences can be modified to accept or reject all cookies,
or request a notification when a cookie is set. You may read more about cookies
at http://cookiecentral.com. In order to use all of the features and functionality of
Company’s websites, you need to accept cookies.
(b)
Web Beacons. A web beacon is a programming code that can be used
to display an image on a web page, but can also be used to transfer your unique
user identification to a database and associate you with previously acquired
information about an individual in a database. This allows Company to track
certain websites you visit. Web beacons are used to track online behavioral
habits for marketing purposes to determine products or services you may be
interested in. In addition to using web beacons on web pages, Company also
uses web beacons in email messages sent to individuals listed in Company’s
database.
(c)
IP Addresses. Company automatically tracks certain information
based upon your behavior on the site. We may use this information to do
internal research on our users' demographics, interests, and behavior to better
understand, protect and serve you and our community. This information may
include the URL that you just came from (whether this URL is on the site or
not), which URL you next go to (whether this URL is on the site or not), your
computer browser information, and your IP address. Your Internet Protocol ("IP")
is a unique Internet "address" which is assigned to you by your Internet Service
Provider ("ISP"). For local area network ("LAN"), DSL, or cable modem users, an
IP address may be permanently assigned to a particular computer. IP addresses
are automatically logged by Web servers, collecting information about a user's
traffic patterns. While the IP address does not identify an individual by name, it
may, with the cooperation of the ISP, be used to locate and identify an individual
using the Web. Your IP address can, however, reveal what geographic area you
are connecting from, or which ISP you are using. Finally, other websites you visit
have IP addresses, and we may collect the IP addresses of those websites and
their pages.
(d)
Computer Profiles. Company may also collect and accumulate other
anonymous data which will help us understand and analyze the Internet
experience of our visitors. For instance, Company may accumulate visitor
data relating to referring domain names, the type of browsers used, operating
system software, screen resolutions, color capabilities, browser plug-ins,
language settings, cookie preferences, search engine keywords and JavaScript
enablement. When you provide us with Personal Identification Information, we
are able to use such visitor data to identify you.
Data Analysis. Data Analysis technology may be employed from time to
time if used by a Client of Company.
(f)
New Technology. The use of technology on the Internet, including
cookies and web beacons, is rapidly developing. As a result, Company strongly
encourages individuals to revisit this policy for any updates regarding its use of
new technology.
1.6.
No Information Collected from Children. Company will never knowingly collect
any Personal Information about children under the age of 13. If Company obtains
actual knowledge that it has collected Personal Information about a child under the age
of 13, that information will be immediately deleted from its database. Because it does
not collect such information, Company has no such information to use or to disclose to
third parties.
1.7.
Credit Card Information and Bank Account Information. Company may, in
certain instances, collect credit card numbers, bank account information and related
information when an individual places an order on Company’s Website. When the
credit card or bank account information is submitted to Company, such information is
encrypted and is protected with SSL encryption software. Company will use the credit
card information or bank account information for purposes of processing and completing
the transaction you requested on the Website, and the credit card information or bank
account information will be disclosed to third parties as necessary to complete the
requested purchase transaction.
Use of Personal Information.
2.1.
General Use. The following paragraphs describe how Company currently uses
Personal Information, but Company may change or broaden its use at any time. As
noted below, Company may update this policy from time to time. Company may use
Personal Information to provide promotional offers to individuals by means of email
advertising, telephone marketing, direct mail marketing, mobile marketing, online
banner advertising, and package stuffers, among other possible uses.
2.2.
Email and Unsubscribe Policy. Company uses Personal Information to provide
third party promotional offers by email to individuals. Company may maintain separate
email lists for different purposes. If email recipients wish to end their email subscription
from a particular list, they need to follow the instructions at the end of each email
message to unsubscribe from the particular list. To unsubscribe from all Company’s
email lists, a person must send an email to unsubscribe@frontlinedirect, Inc. com.
Company's unsubscribe process impacts only the future delivery of electronic
mailings disseminated by Company on its own behalf. You may still receive electronic
mailings sent on behalf of Third Parties and your Personal Information may still be
shared with Third Parties for use in offline marketing and data appends, including email
appends unless you unsubscribe as provided above.
You should also note that unsubscribing from Company’s electronic mailings
will not automatically unsubscribe your information from any Third Party business
associates and licensees of the data. Since Third Party associates and licensee
partners maintain separate databases from Company, and you will need to unsubscribe
from each source individually, if desired. This allows you the freedom to pick and
choose which subscriptions to maintain and which to discontinue.
2.3.
Content of Email Messages. You may receive certain commercial email
messages sent by third parties for products which may be of interest to you. In such
case, an Advertiser's name will appear in the "From:" and the email will have a method
at the bottom of the email to unsubscribe from that Advertiser. Company is not
responsible for third party emails sent to you.
2.4.
Solicited Email. Company only sends email to individuals who have agreed on
the Website to receive email from Company or to individuals who have agreed on a
Third Party website to receive email from Third Parties. As such, Company does not
send unsolicited email messages. As a result, United States statutes requiring certain
formatting for unsolicited email are not applicable to Company's email messages.
2.5.
Targeted Advertising. Company may use Personal Information to target
advertising to an individual. When an individual is using the Internet, Company
uses Technology Information to associate an individual with that person's Personal
Information, and Company attempts to show advertising for products and services in
which the person has expressed an interest in the Surveys, indicated an interest by
means of Technology Information, and otherwise. Company may, at its discretion, target
advertising by using email, direct mail, telephones, cell phones, and other means of
communication to provide promotional offers.
2.6.
Telemarketing. Company may use Personal Information to advertise, directly or
indirectly, to individuals using direct mail marketing or telemarketing using telephones
and cell phones. You may have your telephone number or cell phone number listed
on a state or federal do not call registry. By registering and using this Site, you agree
that such act constitutes a purchase, an inquiry and/or an application for purposes
of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR").
Notwithstanding that your telephone number may be listed on the Federal Trade
Commission's Do-Not-Call List, you have authorized us to contact you via telemarketing
in accordance with the ATSR. Moreover, by registering with, or requesting information
from, a third-party advertiser at or through the Website or other advertisement media
made available by us (e.g., email marketing), you agree that such action shall constitute
a purchase, an inquiry and/or an application with the respective third-party advertiser
for purposes of the ATSR and you may be contacted via email, direct mail and/or
telemarketing by such third-party advertiser in accordance with the ATSR. Further, if
you are residing outside the United States, by registering and using this Website, you
acknowledge that the processing of your Personal Information may involve the transfer
of such Personal Information from within or outside the European Economic Area
(“EEA”) to countries within or outside the EEA whose data protection regulation may not
be as stringent as that within the European Union. We may use Personal Information
to provide the services you've requested, including services that display customized
content and advertising.
2.7.
Wireless Addresses. If the e-mail address you provide to Company is a wireless
e-mail address, you agree to receive messages at such address from Company or its
business associates (unless and until you have elected not to receive such messages
by following the instructions in the unsubscribe portion of this policy). You understand
that your wireless carrier's standard rates apply to these messages. You represent that
you are the owner or authorized user of the wireless device on which messages will be
received, and that you are authorized to approve the applicable charges.
2.8.
Short Message Service. Company may make available a service through which
you can receive messages on your wireless device via short message service (“SMS
Service”). Data obtained from you in connection with this SMS service may include
your name, address, cell phone number, your provider's name, and the date, time, and
content of your messages. You represent that you are 18 years of age and the owner or
authorized user of the wireless device on which messages will be received, and that you
are authorized to approve the applicable charges. In addition to any fee of which you
are notified your provider's standard messaging rates apply to our confirmation and all
subsequent SMS correspondence. All charges are billed by and payable to your mobile
service provider. Company will not be liable for any delays in the receipt of any SMS
messages, as delivery is subject to effective transmission from your network operator.
SMS message services are provided on an AS IS basis. Company may also obtain
the date, time and content of your messages in the course of your use of the SMS
Service. We will use the information we obtain in connection with our SMS Service
in accordance with this Privacy Policy. If fees are charged to your wireless account
invoice, we may provide your carrier with your applicable information in connection
therewith. Your wireless carrier and other service providers may also collect data about
your wireless device usage, and their practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless
systems which use radios (and other means) to transmit communications over complex
networks. We do not guarantee that your use of the SMS Service will be private
or secure, and we are not liable to you for any lack of privacy or security you may
experience. You are fully responsible for taking precautions and providing security
measures best suited for your situation and intended use of the SMS Service. We may
also access the content of your account and wireless account with your carrier for the
purpose of identifying and resolving technical problems and service-related complaints.
You may remove your information from Company’s database. If you remove
your information from Company’s database it will no longer be used by Company for
secondary purposes, disclosed to third parties, or used by Company or third parties
to send promotional correspondence to you. You may remove your information by
sending your request in writing via email to unsubscribe@alliancehealthplans.net or by
sending "STOP", "END", "QUIT" to the SMS text message you have received.
2.9.
Use of Technology Information. Company may use Technology Information
(1) to match a person's Personal Information and Third Party List Information to other
categories of Personal Information to make and improve profiles of individuals, (2) to
track a person's online browsing habits on the Internet, (3) to determine which areas
of Company's websites are most frequently visited. This information helps Company
to better understand the online habits of individuals so that Company can target
advertising and promotions to them.
2.10. Profiles of Individuals. Company may use Personal Information to make a profile
of an individual. A profile can be created by combining Survey Information and Third
Party List Information with other sources of Personal Information such as information
obtained from public databases.
2.11. Storage of Personal Information. Company stores the Personal Information
in a database on its’ computers. Company computers have security measures (such
as a firewall and password protections) in place to protect against the loss, misuse,
and alteration of the information under Company’s control. Not withstanding such
measures, Company cannot guarantee that its security measures will prevent its
computers from being illegally accessed, and the Personal Information on them stolen
or altered.
3.0.
Other Use of Personal Information. Company may use your Personal
Information in the following ways:
3.1.
Public Forums. When you contribute to a public area or feature of our Website,
such as a chat room, bulletin board, list serve, blog, wiki or other open forum that we
may make available on or through our Website, the information that you submit will be
made available to the general public and will not be considered “Personal Information”
for purposes of this Privacy Policy. For this reason, we recommend that you do not
submit any sensitive information, including your full name, home address, phone
number, other information that would enable other users to locate you or your financial
information on these areas of our Website. Instead, make up a username that does not
disclose your personal identity.
3.2.
Third Party Offers. Company may provide your Personal Information to third
parties with whom they have a business relationship for the purposes of securing the
services and products you have requested or provide you with additional marketing
materials from which you may choose additional products or services. Company may
make your Personal Information available to companies or other entities not affiliated
with the Company that have goods, services and offers that might be of interest to you
so that they may send you these offers.
3.3.
Marketing. Company will use your Personal Information for any marketing
and survey purpose on behalf of Company and its affiliates and subsidiaries to send
information to you about additional goods or services that may be of interest to you.
In addition, Company will disclose your Personal Information to third party agents and
independent contractors to help us conduct our marketing and survey efforts including
but not limited to direct marketing. You may have no relationship with these other
companies.
3.4.
Co-sponsored Contests, Sweepstakes and Offerings. Company may provide
a contest; sweepstake and other offering may be co-sponsored by another company.
In those situations, the information we obtain from you in connection with such contest,
sweepstake or offering may be shared with our co-sponsor. In those situations, our
co-sponsors will have the right to use your information for their own purposes, in
accordance with their own policies. If you do not wish for the information we obtain from
you to be shared with our co-sponsor, then do not enter such contest, sweepstake or
other offering or otherwise provide to us any Personal Information in connection with
such contest, sweepstake or other offering. We are not responsible for how our co-
sponsors may use your information.
3.5.
Service Providers. Company may use third-party advertising companies to
serve ads when you visit our website. These third party’s may use information (not
including your name, address, email address, or telephone number) about your visits
to this and other websites in order to provide advertisements about goods and services
of interest to you. Company may also use third parties to help operate our Website,
deliver products and services, and Company may share your Personal Information with
such third parties for our business (such as Website or database hosting companies,
address list hosting companies, e-mail service providers, analytics companies,
distribution companies, fulfillment companies, and other similar service providers that
use such information on our behalf). Unless otherwise stated, these parties do not have
any right to use the Personal Information we provide to them beyond what is necessary
for them to assist us. When you conduct e-commerce with one of the e-commerce
affiliates or service providers to which the Website may be linked, certain Personal
Information such as your e-mail and home address may be collected by the service
provider’s server and made available to us.
3.6.
Aggregate Statistics. Company may disclose aggregate statistics regarding
user behavior as a measure of interest in, and use of, our Website and e-mails to third
parties in the form of aggregate data, such as overall patterns or demographic reports
that do not describe or identify any individual user.
3.7.
Complying with Legal Process. Company will use or disclose your Personal
Information in response to subpoenas, court orders, warrants, or legal process, or to
otherwise establish or exercise our legal rights or defend against legal claims or in
the event you violate or breach an agreement with Company. Company will use and
disclose your Personal Information if we believe you will harm the property or rights of
Company , its owners, or those of Company 's other customers. Finally, we will use or
disclose your Personal Information if we believe it is necessary to share information in
order to investigate, prevent, or take action regarding illegal activities, suspected fraud,
situations involving potential threats to the physical safety of any person, violations of
Company’s acceptable use policy, or as otherwise required by law when responding to
subpoenas, court orders and other legal processes.
3.8.
Order Fulfillment. Company will transfer your Personal Information to third
parties when necessary to provide a product or service that you order from such
third party while using Company’s websites or when responding to offers provided by
Company.
3.9.
Data Summary. Company may sell or transfer non-individualized information,
such as summary or aggregated anonymous information about all persons or sub-
groups of persons.
Privacy Practices of Third Parties.
4.1.
Advertiser cookies and web beacons. Advertising agencies, advertising
networks, and other companies who place advertisements on the websites and on
the internet generally may use their own cookies, web beacons, and other technology
to collect information about individuals. Company does not control the use of such
technology and Company has no responsibility for the use of such technology to gather
information about you.
4.2.
Links. The websites and email messages sometimes contain hypertext links
to the websites of third parties. Company is not responsible for the privacy practices
or the content of such other websites. Linked websites may contain links to websites
maintained by third parties. Such links are provided for your convenience and reference
only. Company does not operate or control in any respect any information, software,
products or services available on such third party websites. The inclusion of a link to a
website does not imply any endorsement of the services or the site, its contents, or its
sponsoring organization.
4.3.
Affiliations/Merger/Sale. Company further reserves the right to disclose, transfer
or sell your Personal Information to companies who are affiliated with Company in
Company’s sole discretion. If Company changes ownership through an acquisition,
merger, sale or other change of business status, it reserves the right to transfer or
assign the right to use your Personal Information collected from the Website.
5.0.
Foreign use of the Website. To the extent that you are accessing the Website
while domiciled outside of the United States, you acknowledge that the Personal
Information you are providing Company is collected and stored in the United States and
therefore consent to the transfer of information to and storage of the information outside
of your domiciled country and in the United States.
6.0.
California User Consumer Rights. In accordance with California Civil Code
Sec. 1789.3, California resident users are entitled to know that they may file grievances
and complaints with California Department of Consumer Affairs, 400 R Street, STE
1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by
email to dca@dca.ca.gov. For more information about protecting your privacy, you may
wish to visit: http://www.ftc.gov.
If you have questions about privacy@alliancehealthplans.net this policy, please
contact us at privacy@alliancehealthplans.net