PRIVACY POLICY

BUCKSLIFEHEALTH.COM is strongly committed to protecting your privacy. This Privacy Policy explains our information gathering and dissemination practices. To serve as your insurance agent/producer, we will ask you to provide us with personal information about you only when you choose to fill out a form on our site. You may, however, visit our site anonymously. We only use your personal information to help you apply for health insurance or an insurance product in which you request a quote for. We do not sell, trade or give away your personal information to anyone. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. If you have questions or concerns regarding this Privacy Policy, please contact BUCKSLIFEHEALTH.COM at the email address provided at the end of this Privacy Policy.

 

BUCKSLIFEHEALTH.COM’s Privacy Policy

 

BUCKSLIFEHEALTH.COM’s Privacy Policy discloses the information privacy practices for the website you are currently visiting. Throughout the policy, we refer to information that can identify you as a specific individual such as your name, email address, phone number, home address, date of birth as “personal information.” Further personal information includes any information involving your health or medical history. We do not sell, trade or give away your personal information to anyone.

 

We do not disclose your personal information to third parties, unless one of the following exceptions applies.

 

If you submit a quote request for an insurance product on our website then we may disclose your personal information to an insurance carrier to process your requested quote. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are contractually obligated to maintain strict confidentiality.

 

Upline Service Providers: We may disclose your personal information to our contracted upline companies that help us process or service your insurance quote and/or application. For example, for various insurance products/lines, we contract with various upline service providers who help us to connect our clients with the insurance carriers. Our upline service providers assist us with obtaining quotes from carriers, underwriting, case placement, case design and other key components regarding the application process and binding of policies. Please be assured that the upline service providers that we are contracted with to assist us, that we correspond/communicate with, are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

 

Legal Obligations: We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

 

Outside of these exceptions, we will not share your personal information with third parties. We collect personal information in the normal course of business in order to process your insurance quote request and to serve you better.

 

Children's Online Privacy Protection Act Compliance: In accordance with the requirements of COPPA (Childrens Online Privacy Protection Act), we will not knowingly collect or accept personally identifiable information from a child under the age of 13 without a parent’s or guardian’s prior consent. Our website, products and services are all directed to people who are at least 13 years old or older. A child’s personally identifiable information will be treated with the same care and respect as an adult’s information.

 

What information do we collect?

 

We collect information from you when you fill out a form. You may be asked to enter your name, e-mail address, mailing address, phone number and other information needed in order to generate the quote that you are requesting. You may, however, visit our site anonymously.

Providing you with a quote: We may use your personal information to contact you when necessary to provide you with a quote you requested. For example, call you to clarify any information that you provided, to seek additional information that is requested as part of the quote and to inform you of the status of your quote.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

  1. To obtain a quote for an insurance product

    Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
     

  2. To send periodic emails

    The email address you provide will only be used to send you information and updates pertaining to the request you submitted online.

Applying for Health Insurance/Other Insurance Products: If you apply for health insurance or other insurance products, we may ask you to provide us with personal information and/or health information relating to you, any family member, any employee group member (if applicable) who will be included on your application. This information will be used to process your application.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

 

How do we protect your information?

 

We implement a variety of security measures to maintain the safety of your personal information when you place a quote request or fill out one of our forms.

Browsers and Internet Security

Any time you enter or provide personal information in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. BUCKSLIFEHEALTH.COM recommends using a strong encryption, 128-bit browser such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. These browsers will activate SSL automatically whenever you begin shopping for plan on our website and when you return to our website to complete an application.

You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Internet Explorer or Netscape Navigator, you will see either a lock or a key. When the padlock is in the locked position, your session connection is taking place via a secure server.

If you need a strong encryption browser, you can go to the Microsoft website or the Netscape website to download the latest Internet Explorer or Navigator browser. We do not recommend the use of beta browser versions.

Additional Information About Privacy and Security

“Cookies”

“Cookies” are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your information between sessions and to maintain information about the quotes you’ve requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes.

We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer our website, improve our website’s performance and to report website traffic. These web analytics services use cookies and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally identifiable information from website visitors.

 

Security Risk of Using Non-Approved Automated Software Applications

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access or fill out a quote request on BUCKSLIFEHEALTH.COM's website, or to automate the process of obtaining, transferring or transmitting any content to/from our computer systems or website.

 

Your Consent

 

By using our site, you consent to our privacy policy.

 

Complaints Regarding the Improper Handling of PII or PHI

Complaints regarding the improper handling of PII by BUCKSLIFEHEALTH.COM should be submitted to us by email here.

All complaints will be reviewed and all appropriate or required action will be taken. If it is determined that a complaint warrants us to revise our Privacy Policy, that change/update will be reflected on our website.

Complaints regarding the improper handling of PII or PHI gathered related to health insurance quotes/applications for health coverage to ultimately be obtained through pennie.com, the official health insurance marketplace for the Commonwealth of Pennsylvania, should be submitted by email to Pennie’s Privacy Officer at Privacy@pennie.com.

 

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

 

Contacting Us

 

If have any questions regarding this privacy policy you may contact us.

© 2020 Jen Higginbotham, Independent Insurance Agent.

This website is not intended to provide legal, accounting or tax advice. See our Privacy Policy.

 

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