Privacy

Enroll365.org Privacy Policy

Enroll365 knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This document describes our Privacy Policy.
Enroll365.org is a website provided through Green Cross Insurance, LLC (GCI). GCI is licensed to sell health insurance to businesses, individuals and families. This Privacy Policy applies to both Enroll365.org and Green Cross Insurance, LLC. Throughout this document, we will refer to both entities as “Enroll365.” Sometimes we will simply say “we,” “us” or “our.”
When you register on the Enroll365 Website, you become a “Member,” with certain rights and privileges described in this Privacy Policy, the Online Terms of Service, and the Online Terms of Use. We may refer to you as a Member, but more often, we will use the terms “you” or “your.”
This Privacy Policy applies to your use of the website at www.Enroll365.org (the “Website”). It only applies to information collected via the website and not to health care coverage offered by an insurer or an employer. This Privacy Policy describes how we gather and use information on the Website, including certain personally identifiable information. By using this Website, you agree that we may collect, disclose and use your personally identifiable information as described herein.

Collection and Use of Information

Personally Identifiable Information (PII)

We collect PII from users of this Website who voluntarily choose to disclose this information in order to access the products and services available through this Website. Available products and services include personalized online decision support systems to help you review, compare and select individual policies of insurance, health savings accounts (HSAs) and other products and services made available by Enroll365. We will also help you to arrange for payment of insurance policies.

In order to provide these services (the “Enroll365 Service”), we need to collect some of your PII, which may include your name, date of birth, address, contact information, and whether you use tobacco. If you are considering family coverage, we will need to collect the same information on family members. To arrange for payment, you will need to provide us with bank information. To determine your eligibility for government subsidies (such as premium tax credits on a state or federal health care exchange), we will need your social security number and financial information. Finally, to help you choose the plan that is right for you, we will ask you to complete an online survey. The survey will assess your tolerance of risk and utilization of medical services. It won’t ask you specific questions about illnesses or medical conditions.

The decision to provide your information is completely voluntary and is not required. However, if you choose not to provide the requested information, Enroll365 will not be able to make its products and services available to you.

We collect PII from you when you:

  • register to become a Member;
  • use tools on the Website;
  • conduct a transaction (e.g., purchase coverage) through the Enroll365 Service, and
  • choose to provide us with additional information.

Legal Authority to Collect PII

Enroll365 Agency LLC has entered into an agreement with the Centers for Medicare and Medicaid Services (CMS) to assist consumers in shopping, completing applications, and assisting in determining eligibility for premium tax credits for Qualified Health Plans (QHPs) offered in the individual market through the federally facilitated marketplace (FFM). This agreement, along with section 1312(e) of the Affordable Care Act and the privacy and security standards set forth in the Affordable Care Act and 45 C.F.R. 155.260, establish the scope of our authority to collect PII for the purposes outlined above. GCI is also a licensed insurance producer in certain states and has entered into agreements with certain health insurance carriers to market and sell their products in the individual market on and off the exchange. In accordance with state licensing, appointment, and privacy requirements, GCI collects PII for purposes of providing services under these agreements. Enroll365.org also collects PII for the purposes of providing additional products and services, subject to the user’s agreement to its Terms of Service, Terms of Use, and this Privacy Policy.

Non-Personal Information

We collect information other than PII (“Non-Personal Information”) from all visitors to this Website in order to enhance the user’s experience while visiting the Website and to improve the design and content of the Website, including:

  • the number of visitors to this Website;
  • the websites from which visitors enter this Website;
  • the pages visitors visit while on this Website;
  • the actions (e.g., button clicks) visitors take while on this Website;
  • the length of these visits;
  • the names of the visitors’ Internet providers and internet protocol addresses;
  • the visitors’ browser information;
  • the speed of the visitors’ connections, and
  • the search terms used to find this Website, as applicable.

We also use technology that helps us compile aggregated statistics about our users and their use of the Website. This aggregated information does not contain any PII and is used for improving the Website and the tools on the Website (including improvements to the recommendation engine), aggregated reports, benchmarking and other marketing purposes. Aggregated information cannot be traced back to specific users by third parties other than third parties who are acting as our agents. We may contract with third parties to compile these aggregated statistics for us.

Choices About Your Personal Information

We want to keep your PII accurate. You may contact us at 801.819.7775 regarding requesting a change to or to update the PII you have provided.

Links to Other Websites

This Website includes links to other websites. This Privacy Policy does not apply to these links. We do not endorse and are not responsible for the operation or content of these websites. Please consult the privacy policy for each website you visit.

Cookies

We collect information about you and your use of this Website through the use of cookies. Cookies are small files that a website can store on your computer’s hard drive for record-keeping or other administrative purposes. If you are concerned about the use of cookies, you can choose to enable a feature in your browser software that will erase cookies, block all cookies or warn you before cookies are stored or exchanged. If you reject cookies, you will only be able to view the site.

Data Security

Data security is implemented through physical, administrative and technical safeguards we put in place and operational procedures we follow to protect PII. We protect your transactions involving PII over the Internet using Transport Layer Security (TLS) technology. We restrict access to your PII in our database to our authorized employees, our agents and certain of our authorized partners.

HIPAA Compliance

Some PII we collect may be Protected Health Information (“PHI”) within the meaning of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). Examples of PHI include the demographic information you provide during registration combined with enrollment and payment information. To the extent applicable, Enroll365 agrees to comply with HIPAA and the rules issued pursuant to HIPAA. Certain applicable laws and contracts may also require insurers and third-party vendors to protect PHI collected by us through this Website.

Disclosure of Information

Pursuant to the “Enroll365 Release of Information” form that you are required to agree to and sign if you wish to access the Enroll365 Service, or to the extent allowed by HIPAA without such Release of Information, we may use and/or disclose the information you provide in the following ways:

  • With marketing vendors, in order to keep you informed about Enroll365’s products and services, via phone, email or other means. Please note that we will never sell your information for marketing purposes and you always have the right to opt-out of receiving communications from us.
  • With our business partners, including employers, third party vendors, and referral partners, in order to coordinate payments, provide products and services, and enable administrative functions related to the products and services you choose.

You do not have to sign the “Enroll365 Release of Information” form; however, if you do not sign, Enroll365 will not be able to make its products and services available to you.

Any other disclosures of the information you provide will only be made with your written authorization, or as required by law.

Children’s Privacy

This Website is not intended for use by children under the age of 18. We will not knowingly collect any Personal Information from visitors under the age of 18 online through this Website, except that parents/legal guardians or Personal Representatives of children under the age of 18 may register on a child’s behalf in order to purchase a child-only plan. If you think that we have collected Personal Information from a visitor under the age of 18, please contact us.

Contact Us

If you have any questions, comments or concerns about our privacy policy or your privacy please contact us by phone at 801.819.7775 or by email at help@Enroll365.org.

Changes to Our Privacy Policy

We may modify, alter or update our privacy policy at any time, so we encourage you to review our privacy policy frequently. We will not provide individual notice to you of changes to our privacy policy, but when we make updates to our privacy policy, we will update the date in this section.

This page was last updated April 22, 2016

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