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General
Information
ShareofCost.com has created this privacy
statement in order to demonstrate our firm commitment to
your privacy. The following discloses the information
gathering and dissemination practices for this Web site
and it's affiliate companies.
The
ShareofCost.com website is a marketing website owned
and serviced by DEL AMO Insurance Services, Inc., DBA:
InsComp Insurance Services with respect to its' content.
ShareofCost.com collects information which is
distributed to it's affiliated agents, brokers, agencies,
brokerages, and/or companies based upon the state you have
entered.
All of it's affiliated agents, brokers, agencies,
brokerages, and/or companies are licensed in their
respective state for the product they quote and act as
independent contractors and non binding to our company.
ShareofCost.com, DEL AMO Insurance Services, Inc.,
DBA: InsComp Insurance Services does not provide the quote
and/or issue a policy unless otherwise specifically
stated.
This website does not attempt to describe the product
coverage and its' contents but is merely used as a sales
tool for the purpose of product illustration. The website
and its' owners cannot make recommendations as to whether
any illustrated product may meet the users' particular
needs. Therefore, the suitability of the product is the
final determination of the user of this website.
Privacy
Disclosure
As you are
probably aware, the insurance industry is now subject to a
federal privacy law called the "Gramm-Leach-Bliley Act" ("GLB").
GLB Protects the security and confidentiality of a
consumer's personal information. Fortunately, since our
companies have always been respectful of the privacy needs
of our customers, we have not had to make significant
changes to our usual business practices to become
compliant with this new law.
We have, however, had to prepare privacy notices to advise
our customers of our privacy practices for which the
affiliated agent must comply to receive your internet
referral lead. We also have had to conduct an extensive
review of all of our contracts under which we may disclose
the nonpublic information of our applicants and insureds
to third parties.
This review was necessary because, under GLB, our
contracts must prohibit such third parties from disclosing
or using the nonpublic personal information that we
provide to them from using it for purposes other than to
carry our the purposes for which we disclosed it to them.
Since we provide all of our disclosures under exceptions
to what are activities to what are termed "opt out
requirements", our contracts must reflect this. (The
exceptions under GLB, by the way, include such activities
as servicing and processing an insurance application,
administering a claims benefit, underwriting an insurance
risk and billing an account). If we do not have language
in our contracts to provide for this type of prohibition,
under GLB, we would be required to include procedures in
our privacy plan or statement whereby an applicant or
insured could opt out of certain types of disclosures,
including disclosures we may make to the agent.
Accordingly, we amended all of our existing and future
contracts with our agents, sub-agents, agent affiliates,
brokers, sub-brokers, broker affiliates and, in fact, even
our vendors, with whom we share personal nonpublic
information.
Towards that end, as set forth below, we require all
agents to sign the following agreement with our companies.
Nonpublic
Personal Information
If the Company
discloses to the Agent (which is defined to include any
and all codes of Agent, and thus also thereby Agent's
subagents) nonpublic personal information, ("NPI"), as
defined in the Gramm-Leach-Bliley Act ("GLB") or as
defined by an applicable state privacy statue, rule or
regulation, (collectively referred to as the "State
Privacy Laws"), Company will only do so pursuant to an
exception set forth in both GLB and whatever, if any,
State Privacy Laws may be applicable.
Notwithstanding any other language in the Agreement,
Agents will maintain physical, electronic, and procedural
safeguards that comply with state and federal regulations
to guard all NPI. Agent's handling of nay NPI, and the
purpose for which the information may be used by Agent,
shall be in compliance with all applicable laws,
regulations and rulings, including, but not limited to GLB
and Federal Fair Credit Reporting Act.
The parties also agreed that a violation of the covenants
described in this paragraph may cause irreparable and
substantial damage and that no adequate remedy may be
available at law or in equity. As a result, such violation
may be enjoined through injunctive proceedings in addition
to any other rights and remedies available at law or in
equity.
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HIPAA Privacy
Information |
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HIPAA NOTICE OF
PRIVACY PRACTICES REGARDING YOUR DENTAL INSURANCE,
HEATH INSURANCE AND LIFE INSURANCE |
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THIS NOTICE
DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE
USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO
THIS INFORMATION |
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PLEASE REVIEW IT
CAREFULLY. |
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| Our Responsibilities |
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| We are required by applicable
federal and state law to maintain the privacy of
your protected health information. "Protected health
information" (PHI) is information about you,
including demographic information, that may identify
you and that relates to your past, present or future
physical or mental health or condition and related
health care services. We are also required to give
you this notice about our privacy practices, our
legal duties, and your rights concerning your PHI.
We must follow the privacy practices that are
described in this notice while it is in effect. This
notice takes effect April 14, 2003, and will remain
in effect until we replace it.
We reserve the right to change our privacy
practices and the terms of this notice at any time,
provided such changes are permitted by applicable
law. We reserve the right to make the changes in our
privacy practices and the new terms of our notice
effective for all PHI that we maintain, including
PHI we created or received before we made the
changes. Before we make a significant change in our
privacy practices, we will change this notice and
make the new notice available upon request. |
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| Uses and Disclosures of
Protected Health Information |
| We use and disclose PHI about you
for treatment, payment, and health care operations.
Following are examples of the types of uses and
disclosures that we are permitted to make. |
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Treatment
We may use or disclose your PHI to a health care
provider providing treatment to you. We may use or
disclose your PHI to a health care provider so that
we can make prior authorization decisions under your
benefit plan. |
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Payment
We may use and disclose your PHI to make benefit
payments for the health care services provided to
you. We may disclose your PHI to another health
plan, to a health care provider, or other entity
subject to the federal Privacy Rules for their
payment purposes. Payment activities may include
processing claims, determining eligibility or
coverage for claims, issuing premium billings,
reviewing services for medical or health necessity,
and performing utilization review of claims. |
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Health Care Operations
We may use and disclose your PHI in connection
with our health care operations. Health care
operations include the business functions conducted
by a health insurer. These activities may include
providing customer services, responding to
complaints and appeals from members, providing case
management and care coordination under the benefit
plans, conducting medical review of claims and other
quality assessment and improvement activities,
establishing premium rates and underwriting rules.
In certain instances, we may also provide PHI to the
employer who is the plan sponsor of a group health
plan. We may also in our health care operations
disclose PHI to business associates1 with
whom we have written agreements containing terms to
protect the privacy of your PHI.
We may disclose your PHI to another entity that is
subject to the federal Privacy Rules and that has a
relationship with you for its health care operations
relating to quality assessment and improvement
activities, reviewing the competence or
qualifications of health care professionals, case
management and care coordination, or detecting or
preventing health care fraud and abuse. |
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On Your Authorization
You may give us written authorization to use
your PHI or to disclose it to another person and for
the purpose you designate. If you give us an
authorization, you may withdraw it in writing at any
time. Your withdrawal will not affect any use or
disclosures permitted by your authorization while it
was in effect. Unless you give us a written
authorization, we cannot use or disclose your PHI
for any reason except those described in this
notice.
We will make disclosures of any psychotherapy notes
we may have only if you provide us with a specific
written authorization or when disclosure is required
by law. |
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Personal Representatives
We will disclose your PHI to your personal
representative when the personal representative has
been properly designated by you and the existence of
your personal representative is documented to us in
writing through a written authorization. |
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Disaster Relief
We may use or disclose your PHI to a public or
private entity authorized by law or by its charter
to assist in disaster relief efforts. |
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Health Related Services
We may use your PHI to contact you with
information about health-related benefits and
services or about treatment alternatives that may be
of interest to you. We may disclose your PHI to a
business associate to assist us in these activities.
We may use or disclose your PHI to encourage you to
purchase or use a product or service by face-to-face
communication or to provide you with promotional
gifts. |
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Public Benefit
We may use or disclose your PHI as authorized by
law for the following purposes deemed to be in the
public interest or benefit: |
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as required by law;
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for public health activities,
including disease and vital statistic reporting,
child abuse reporting, certain Food and Drug
Administration (FDA) oversight purposes with
respect to an FDA-regulated product or activity,
and to employers regarding work-related illness
or injury required under the Occupational Safety
and Health Act (OSHA) or other similar laws;
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to report adult abuse,
neglect, or domestic violence;
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to health oversight agencies;
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in response to court and
administrative orders and other lawful
processes;
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to law enforcement officials
pursuant to subpoenas and other lawful
processes, concerning crime victims, suspicious
deaths, crimes on our premises, reporting crimes
in emergencies, and for purposes of identifying
or locating a suspect or other person;
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to avert a serious threat to
health or safety;
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to the military and to
federal officials for lawful intelligence,
counterintelligence, and national security
activities;
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to correctional institutions
regarding inmates; and
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as authorized by and to the
extent necessary to comply with state worker's
compensation laws.
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following public interest purposes, only if you
provide us with a written authorization or when
disclosure is required by law: |
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to coroners, medical
examiners, and funeral directors;
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to an organ procurement
organization; and
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in connection with certain
research activities.
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Use and Disclosure of Certain
Types of Health Information
For certain types of PHI we may be required to
protect your privacy in ways more strict than we
have discussed in this notice. For instance, if a
state law is more restrictive than HIPAA, we will
follow that state law. Generally, the following
state laws are ones which we abide by for our use or
disclosure of certain types of your PHI: |
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HIV Test Information.
We may not disclose the result of any HIV test
or that you have been the subject of an HIV test
unless required by law or the disclosure is to
you or other persons under limited circumstances
or you have given us written permission to
disclose.
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Genetic Information.
We may not disclose your genetic information
unless the disclosure is made as required by law
or you provide us with written permission to
disclose such information.
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Mental Health Information
Records. We may not
disclose your mental health information records
except to you and anyone else authorized by law
to inspect and copy your mental health
information records or you provide us with
written permission to disclose.
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Alcoholism or Drug Abuse
Information. We may
not disclose any alcoholism or drug abuse
information related to your treatment in an
alcohol or drug abuse program unless the
disclosure is allowed or required by law or you
provide us with written permission to disclose.
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| Individual Rights |
| You may contact us using the
information at the
end of this notice
to obtain the forms described here, explanations on
how to submit a request, or other additional
information. |
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Access
You have the right, with limited exceptions, to
look at or get copies of your PHI contained in a
designated record set. A "designated record set"
contains records we maintain such as enrollment,
claims processing, and case management records. You
may request that we provide copies in a format other
than photocopies. We will use the format you request
unless we cannot practicably do so. You must make a
request in writing to obtain access to your PHI and
may obtain a request form from us. If we deny your
request, we will provide you a written explanation
and will tell you if the reasons for the denial can
be reviewed and how to ask for such a review or if
the denial cannot be reviewed. |
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Disclosure Accounting
You have the right to receive a list of
instances since April 14, 2003 in which we or our
business associates disclosed your PHI for purposes,
other than treatment, payment, health care
operations, or as authorized by you, and for certain
other activities. If you request this accounting
more than once in a 12-month period, we may charge
you a reasonable, cost-based fee for responding to
these additional requests. We will provide you with
more information on our fee structure at your
request. |
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Restriction
You have the right to request that we place
additional restrictions on our use or disclosure of
your PHI. We are not required to agree to these
additional restrictions, but if we do, we will abide
by our agreement (except in an emergency). Any
agreement we may make to a request for additional
restrictions must be in writing signed by a person
authorized to make such an agreement on our behalf.
We will not be bound unless our agreement is in
writing. |
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Confidential Communication
You have the right to request that we
communicate with you about your PHI by alternative
means or to alternative locations. You must make
your request in writing. This right only applies if
the information could endanger you if it is not
communicated by the alternative means or to the
alternative location you want. You do not have to
explain the basis for your request, but you must
state that the information could endanger you if the
communication means or location is not changed. We
must accommodate your request if it is reasonable,
specifies the alternative means or location, and
provides satisfactory explanation how payments will
be handled under the alternative means or location
you request. |
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Amendment
You have the right, with limited exceptions, to
request that we amend your PHI. Your request must be
in writing, and it must explain why the information
should be amended. We may deny your request if we
did not create the information you want amended and
the originator remains available or for certain
other reasons. If we deny your request, we will
provide you a written explanation. You may respond
with a statement of disagreement to be attached to
the information you wanted amended. If we accept
your request to amend the information, we will make
reasonable efforts to inform others, including
people you name, of the amendment and to include the
changes in any future disclosures of that
information. |
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Right to Receive a Copy of the
Notice
You may request a copy of our notice at any time
by contacting the
Privacy Office. If
you receive this notice by electronic mail (e-mail),
you are also entitled to request a paper copy of the
notice. |
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Questions and Complaints
If you want more information about our privacy
practices or have questions or concerns, please
contact us using the information listed at the
end of this notice. |
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| If you are concerned that we may
have violated your privacy rights, you may complain
to us using the contact information listed at the
end of this notice. You also may submit a
written complaint to the U.S. Department of Health
and Human Services; see information at its website:
www.hhs.gov. If you
request, we will provide you with the address to
file your complaint with the U.S. Department of
Health and Human Services. |
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| We support your right to the
privacy of your PHI. We will not retaliate in any
way if you choose to file a complaint with us or
with the U.S. Department of Health and Human
Services. |
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Information
Automatically Logged
We use your IP address to
help diagnose problems with our server and to administer
our Web site. Your IP address is also used to help
identify you and your shopping cart.
Cookies
Our Site uses cookies to
keep track of your shopping cart, and to make sure you
don't see the same ad repeatedly. We also use cookies to
deliver content specific to your interests, and to save
your password so you don't have to re-enter it each time
you visit our site.
Order
Forms
Our site uses an order
form for customers to request information, products, and
services. We collect contact information (like their
email address), financial information (like their
account or credit card numbers), unique identifiers
(like their social security number), and demographic
information (like their zip code, age, or income level).
Contact information from
the order forms is used to ship purchases, information
about our company. The customer's contact information is
also used to get in touch with the visitor when
necessary.
Financial information
that is collected is used to check the users'
qualifications for registration, and to bill the user
for products and services.
Unique identifiers (such
as social security numbers) are collected from Web site
visitors to verify the user's identity, and for use as
account numbers in our record system.
Demographic and profile
data is also collected at our site.
We use this data to tailor our visitor's experience at
our site showing them content that we think they might
be interested in, and displaying the content according
to their preferences.
Security
This site has security
measures in place to protect the loss, misuse, and
alteration of the information under our control.
Children's Guidelines
We care about children
and understand that they have special privacy needs.
Therefore, we have adopted the following privacy policy
regarding children:
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We will NOT collect,
use, or distribute to third parties personally
identifiable information without prior verifiable
parental consent.
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We will NOT give the
child access to unmonitored chat rooms, message
boards, email accounts, or other services that would
give the child the ability to publicly post or
otherwise distribute personally identifiable
information without prior verifiable parental consent
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When verifiable
parental consent is not obtained, we will only use the
online contact information (such as email) to:
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Respond directly to
the child's request on a one-time basis and not use
that information to re-contact the child for other
purposes.
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Request the name or
online contact information of a parent for the
purpose of obtaining verifiable parental consent or
providing parental notification.
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Respond more than
once directly to a specific request from a child
(such as in the case where a child requests a
newsletter subscription) and not used to re-contact
the child for other purposes. We will use our best
efforts to provide parental notification, which will
include the nature and intended use as well as an
opportunity for the parent to prevent the use of the
information and participation in the activity.
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We will NOT entice the
child to divulge more information than is needed to
participate in any activity, game, or service.
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We will provide the
parent a description of the specific types of a
personally identifiable information collected from
their child upon request. We will allow the parent to
refuse further use or future online collection of
personally identifiable information and provide a way
for a parent to obtain any personally identifiable
information collected from their child.
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We will provide notice
to children in age appropriate terms of what
personally identifiable information is to be
collected.
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We will NOT provide
any links to Web sites that are unsuitable for
children.
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We will encourage
children to get their parent's permission before
sharing personal information online.
Data
Quality/Access
This site gives users the
following options for changing and modifying information
previously provided:
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You can send email to
sales@ShareofCost.com
Contacting the Web Site
If you have any questions
about this privacy statement, the practices of this site,
or your dealings with this Web site, you can contact:
Monday-Friday 10am-4pm Pacific Standard Time
Corporate Office
910 Lomita Blvd
P.O. Box 910
Harbor City, CA 90710-0910
Office:
310.534.3444 |