|
Our
Privacy Policy is designed to assist you - businesses,
consumers and the general public - in understanding
how we collect and use the personal information you
provide to us, and to help you make informed decisions
when using our web site and all of our related services
therein.
Contact
Information
If
you have any questions or general comments about this
privacy policy, please contact us at: info@HSAforAmerica.com
Surface
mailing address:
HSA
for America
1001-A E. Harmony Rd. #519
Fort Collins, CO 80525
Toll Free Phone: (866) 749-2039
Toll Free Fax: (866) 284-0082
What
Information Do We Collect?
We
only collect information that you voluntarily provide,
in order to present you with an instant health insurance
quote, newsletter subscription, special reports, or
other information you request from us. When visiting
our web site, only you choose when to voluntarily provide
us with personal information. We do not collect
personal information in any deceptive ways.
Personal
Information You Choose to Provide
Instant
Quote Information
When
you run an instant quote, you must provide us with information
about yourself. This information is needed in
order to determine available plans and quotes for your
individual situation. We may contact you occasionally
via email to inform you about Health Savings Accounts.
Email
Information
We
find email is the best and easiest way to communicate
with our customers, and we want to make the process
as easy as possible. If you choose to correspond
with us through email, we will not share your email
address with any third party.
Newsletter
and Free Report Information
When
you sign up for our Maximize
Your HSA newsletter or any one of our free reports,
your personal information will never be sold or distributed
to a third party. We may contact you occasionally
via email to inform you about Health Savings Accounts.
Application
Information
All
of your personal information on any application you
submit with HSA for
America will only be shared with the insurance
company of the plan for which you are applying.
How
Do We Use the Information You Provide to Us?
Generally,
we use personal information for purposes of managing
and expanding our business activities, providing customer
service and making available other products and services
to our customers and prospective customers. Occasionally,
we may also use the information we collect to notify
you about important changes to our Web site, new services
and special offers we think you will find valuable.
Choice/Opt-out
All
of our email correspondence will give you an option
to Opt-out of future emailings at the bottom of the
email.
What
Are Cookies?
A
cookie is a very small text document, which often includes
an anonymous unique identifier. When you visit many
Web site, that site's computer asks your computer for
permission to store this file in a part of your hard
drive specifically designated for cookies. Each
Web site can send its own cookie to your browser if
your browser's preferences allow it, but (to protect
your privacy) your browser only permits a Web site to
access the cookies it has already sent to you, not the
cookies sent to you by other sites. We DO NOT
use any Cookies on our Web site, and we would never
try to store any files on your computer.
How
Do We Protect Your Information?
Secure
Information Transmissions
The
information you enter on our Web site is transmitted
securely via Secure Sockets Layer SSL, 128 bit encryption
services. Pages utilizing this technology will
have URLs that start with HTTPS instead of HTTP.
Please contact us if you have any questions or concerns.
How
Can You Access and Correct Your Information?
You
may request access to all your personally identifiable
information that we collect online and maintain in our
database by contacting us, see the above contact information.
What
About Other Web Sites Linked to Our Web Site?
We
are not responsible for the practices employed by Web
sites linked too or from our Web site nor the information
or content contained therein. Often links to other
Web sites are provided solely as pointers to information
on topics that may be useful to the users of our Web
site. Please remember that when you use a link
to go from our Web site to another Web site, our Privacy
Policy is no longer in effect. Your browsing and
interaction on any other Web site, including Web sites
which have a link on our Web site, is subject to that
Web site's own rules and policies. Please read
over those rules and policies before proceeding.
Your
Consent
By
using our Web site you consent to our collection and
use of your personal information as described in this
Privacy Policy. If we change our privacy policies
and procedures, we will post those changes on our Web
site to keep you aware of what information we collect,
how we use it and under what circumstances we may disclose
it. At any time you may request to view any and
all changes and updates, via surface mail.
Notification
of Changes
The
Privacy Policy is subject to periodic review and change.
In order to view the current Privacy Policy, simply
check this section of the website. If we materially
change our privacy policy, we will post those changes
to this privacy statement and other places we deem appropriate
so users are aware of what information we collect, how
it is used, and under what circumstances, if any, we
disclose it. In some cases where we post a notice,
we may also email users who have opted to receive communications
from us, notifying them of the changes in our privacy
practices.
Refund
and Delivery Policy
Our
No-Risk, Extremely Satisfied, Money-Back Guarantee
We
are so confident that doing business with HSA
for America
will save you time, money, and frustration, that we
offer this unheard-of two part guarantee. Part
one - If you sign up for a plan and are not totally
thrilled with the coverage you get or the service you
receive from us before you apply, while your application
is in the approval process, or up to 10 days after you
receive the policy, you cancel the coverage and receive
a 100% refund of your initial premium. Part
two - If you schedule a telephone
consultation with us and are not extremely satisfied
that you received unbiased accurate information and
advice that enabled you to make a smart buying decision,
we will buy you dinner at Ruth’s Chris or make
a $100 donation to the charity of your choice (no purchase
required!).
Delivery
Method and Timing
Once
you have scheduled your health insurance consultation,
we will contact you by phone promptly at the scheduled
appointment time, and take you through our seven step
Total Needs Analysis in order to determine:
- Which
insurance companies will offer the best value for
your needs
- Which
plan deductibles, coinsurance options, and elective
options you should consider
- Any
underwriting issues that may affect which company
you wish to apply with
- What
your contribution plans are for your HSA, and which
administrator would best meet your needs
|
