Privacy Policy

You want to keep your personal information, well, personal. As the program administrator we understand this and we work hard to keep information about your use of this website safe. Protecting your privacy when you use this website is our way of ensuring your trust in the programs we offer.

In order to operate the Website Bill Payment service and to reduce the risk of fraud, this website (or "we" or "us") must ask you to provide us with information about yourself and your credit card and/or bank account. This Privacy Policy describes the personal information we collect and how we use that information. We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the website.

By accepting this Privacy Policy and the website Terms of Service, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our web site information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy. Please note that this website is not designed for use by children nor does the website seek to collect information on children who may visit the site.

We may need to update our website privacy statement as legal requirements or business needs require. Any alterations to these principles will be posted here for your review.

The Information We Collect

When you visit this website, we collect and store non-identifying information about your visit. This information may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet service provider. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and cannot be used to identify you.

To help enhance the user experience online, the site also uses "cookies" so users do not have to re-enter information as they navigate the website. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Cookies are used to help personalize the online experience for the user - based on the action you request. If you submit your date of birth and group affiliation, you receive information about your available group programs. We do not share this information with outside organizations.

There are also several opportunities on our website for you to voluntarily provide us with personal information about your particular group and specific care needs. For example, we will need personal information from you when you enroll in accident insurance, submit a question online, or request product information. This information includes your name, mailing address, e-mail address, current coverage, and other similar information. We use your voluntarily provided personal information to provide you exceptional customer service and to create a more meaningful visit for you at this website]. In addition to the information you voluntarily provide us with, we may also receive other non-public, personal information about you from other agents, brokers, administrators, investigators, insurance-support agencies, legal counsel, consumer reporting agencies and government reporting agencies. Any information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.

By providing us with personal information so we may assist you on this website, you are "opting-in" to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated and you would like not be contacted again, please contact us using the procedures outlined below under "Questions About Your Information" to "opt-out" from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

How do we use your information?

Internal Uses

We collect, store and process your personally identifiable information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personally identifiable information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

Disclosure to Third Parties

This website does not sell or rent any of your personally identifiable information to affiliates or unaffiliated third parties. We will not share any of your personally identifiable information with third parties except in the circumstances described below or with your permission.

• We share personally identifiable information with third parties that help us process the transactions you request.
• We disclose personally identifiable information with third parties that we in good faith believe is appropriate to cooperate in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the website's Terms of Use or the Terms of Service Agreement, or as otherwise required by law.
• Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.
• We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
• As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personally identifiable information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.
• As otherwise permitted by federal or state law.

In no circumstance, will we disclose customer bank account numbers, credit card numbers or access codes to third parties for telemarketing or direct marketing purposes.

Cookies

Our site may make use of cookies (or a similar technology) to better manage our web site and to assist us in providing you with tailored information and services. A cookie is a tiny element of data that our web site can send to your browser, which is then stored on your hard drive so that we can do things such as better serve you as you navigate through our site or when you return. You may set your browser to notify you or decline the receipt of a cookie; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

Do Not Track

Some internet browsers offer the user a "Do Not Track" technology. The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user. At the current time, this website does not have the capability of recognizing a "Do Not Track" request.

Web Beacons

Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor's cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

Email

The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, an opt-in for e-mail updates is on the online enrollment form). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us. If you sign up for e-mails (including E-News), where applicable you can expect to receive e-mails from our customer service email address.

We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

This Privacy Policy applies only to information collected by this website.

Questions About Your Information

If you have any questions about your personal information records or if there are changes you would like to make to your data such as updating your mailing address, the names of your beneficiaries, or your e-mail address, etc., please contact the group customer service at (800) 424-5181. You may also use our secure Customer Service section of this site to submit any questions you may have. If you would prefer to communicate with us by regular mail, please use the following address:

Program Administrator

Office of Administration

PO Box 26450

Phoenix, AZ 85068

Whichever way you wish to communicate about the websites programs, you will always have the opportunity to ask us questions about the information we have concerning your coverage. You take online privacy seriously, and so do we.

You can access all your personally identifiable information that we collect online and maintain by calling us at (800) 424-5181 or by providing a written request to the address set forth above. This will give you the opportunity to review your personally identifiable information or update us on a correction that needs to be made. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. We use this procedure to better safeguard your information.

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question relating to your coverage and when you enroll in online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to serve up secure Web pages in your browser using SSL, we've acquired a security certificate from one of the Internet's leaders in secure Web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

Revisions

We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers.