This notice describes how information about you may be used and disclosed. Please review it carefully.
Personal Information We Collect
We receive information from you on applications for insurance and related forms. We also receive information from outside sources, including eligibility listings from employers or providers of administrative services. This information may include, among other things, your name, address, social security number, phone number, marital status (including domestic partnerships), your dependents, financial information, and (as applicable) your academic enrollment status or employment details and benefits coverage information. We also may receive information regarding prior insurance coverage.
We receive information from you and others regarding premium payments. This information may include, among other things, credit card numbers, bank account numbers, and other material relating to premium payments you make.
We receive information about you in connection with coverage claims from third parties providing benefits and services under your coverage, including providers of medical services and claims administrators. This information may include, among other things, medical services bills and medical record information.
In connection with your use of our Website, we may collect the following information:
- The domain name or Internet Protocol (IP) address, but not the email address of visitors to our Website.
- The e-mail addresses of users who communicate with us via email.
- Aggregate information on what pages on our Website users access or visit.
- Information volunteered by the user, such as site registration and email update requests.
- Information necessary to complete transactions with us.
We retain personal information only so long as required by our business practices or by applicable law.
Personal Information We Disclosed
We do not disclose any nonpublic information about you to anyone, except as authorized or as permitted or required by law. We do not sell or otherwise disclose your personal information to anyone for purposes unrelated to our products and services.
We may disclose your personal information to underwrite your insurance coverage, process and record your premium payments, communicate your eligibility for benefits as provided in the policies, protect you against fraud, and service your insurance claims. For instance, we may provide insurance companies, medical healthcare providers, third-party claims administrators, and employers or schools (as applicable) with information confirming that insurance premium has been received paying for insurance coverage during a specific period of time, and with information confirming that specified services were provided and are eligible for payment.
From time to time, we may disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We may also provide information to a court, government agency, or other third parties when subpoenaed or as otherwise required by law. Further, in the event ZORN is subject to a merger or acquisition, we may provide information to the new owners of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.
Our Policies and Procedures with Respect to Confidentiality and Security of Personal Information
We restrict access to information about you to those employees and third parties who need to know that information in order to provide the benefits and services pertinent to your insurance policy. Our employees are trained and required to safeguard all such information. We maintain physical, electronic, and procedural safeguards to protect information about you from disclosure.
You may choose to restrict our use of your information. You may exercise your choice to “opt-out” of providing personal information in many ways. When selecting to use certain services or features of our Website, you can choose whether to share personal information with respect to the particular service or feature. If you receive communications from us that you do not want to receive, you can opt-out from receiving these communications, by requesting that we remove your user account from our database.
You may also opt-out entirely from providing personal information to us by not creating an account on our Website or not completing transactions with us online through the Website. You may also choose at a later date to have your name removed from our database.
However, certain sections of our Website do require registration in order to use these sections and services. If you choose not to register or provide certain information, these sections will not be available for your use.
We will not use your information for any purpose other than for those purposes you have authorized. Further, we will not use your information for a purpose that is incompatible with the purpose for which it was originally authorized by you.
If we offer a user account, your online user account is password protected. Only those who log on with your password can access your account. Any transactions requiring you to enter personal identifying information is submitted via a secure, encrypted page. We have taken appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration, and destruction. However, please remember that you play a valuable part in security as well. Your password to access your account should never be shared with anyone. After you have finished using the Website, you should log off and exit your browser so no unauthorized persons can use our Website with your name and account information. Furthermore, if you provide any information to parties who operate websites that are linked to or from our Website, different rules may apply to their collection, use, or disclosure of your personal information. We encourage you to review the privacy policies of such other sites before revealing any sensitive or personal information. Despite precautions taken by you or by us, “perfect security” does not exist on the Internet. We cannot ensure or warrant the ultimate security of any information you transmit.
We make every effort to ensure that the information on the Website, as well as your account information which you have provided to us, is reliable for the use you intend, and that it is accurate, complete, and current. To assist us in ensuring that your information is relevant on an ongoing basis for its intended purposes, we encourage you to update your information on the Website as frequently as may be necessary.
Access our Websites through Mobile Devices
If you access our websites on a mobile telephone or mobile device, we may also collect the related unique device identifier and mobile device IP address, as well as information about that that device’s operating system, mobile carrier, and location information.
Effective Date and Future Changes