Privacy Policy

Personal Information You Provide to Us

Personal information refers to any data that can be used to identify, locate, or contact an individual. It may also include details associated with personal information. When you engage with our sites and services, we may collect the following personal information directly from you, depending on the specific site or service:

Account or Registration Information: Details required to access our sites and services, such as your name, address, email address, telephone number, date of birth, user account name, and password.
Contact Information: Includes your name, addresses, email addresses, social media account names, and/or telephone numbers.
Payment Information: Necessary for processing payments, including your credit or debit card number, expiration date, and card verification code.
Personal Profile or Service Information: May include areas of interest, social media interactions (e.g., Facebook, Twitter), preferences, physical characteristics (e.g., height, weight), photographs, biographical details, health data, and demographic information (e.g., gender).
Transaction Information: Information about your interactions with our sites, services, emails, and applications, as well as how you engage with merchants, business partners, and service providers.
Geographic Location Information: Collected only if your device transmits location data or IP address, and you have enabled location-based features.
Job-Search-Related Information: For recruitment purposes, including educational background, employment history, driver’s license number, and social security number.
Survey Data: Includes responses to surveys and may allow you to import email addresses and names for sending surveys or for us to send surveys on your behalf.
Medical Information: For certain services, such as connecting you with healthcare providers, this may include your medical history, current symptoms, treatments, insurance details, and other health-related information.
Appointment Information: For scheduling appointments or consultations, including requested appointment details and related health or legal information you choose to provide.
Access to Your Data: Only collected if you use specific services, interactive tools, or authorize us to retrieve information from third parties on your behalf (e.g., integrating a practice management system).
Your Submissions: Includes any information you voluntarily provide through text boxes, forums, document uploads, or data imports.

In all these cases, the personal information we collect is voluntarily and directly provided by you through your interaction with our sites and services.

2. Information We Automatically Gather Using Cookies and Other Tools

We, along with our third-party service providers, may collect and store certain technical data when you access our websites or services. For instance, our servers may automatically record details about your computer or browser, such as your IP address, browser type, the domain you used to access the site or service, device size, and other hardware or software details. If you access our websites or services from a mobile or other device, we may also collect unique identifiers for that device (e.g., UDID), the device type, approximate GPS location, or other transactional data to deliver content and enhance your experience.

Furthermore, we or our third-party providers may collect details about your usage patterns, including the date and time of your visit, pages or sections visited, the time spent on our site, return visits, activity on external sites, preferred language, and other clickstream data.

2.1 Cookies and Tracking Technologies

We, or our third-party partners, may use cookies and tracking technologies (e.g., browser cookies, pixels, beacons, mobile identifiers, Adobe Flash technology) to recognize you across different platforms, enhance your user experience, improve security, evaluate the performance of our services, and display targeted advertisements. You can manage cookies through your browser settings or other available tools. For details on our use of cookies, please see our Cookie Policy.

By using our sites and services, you consent to the use of cookies and beacons in your browser and HTML-based emails as outlined in this privacy policy and our Cookie Policy.

For tailored content and advertising, we may share information like your hashed email address, IP address, or browser and OS details with our service provider, LiveRamp Inc., and its affiliates. They may link this data with demographic or interest-based information. To opt-out, visit LiveRamp Opt-Out.

2.2 Do Not Track

You can opt-out of online tracking by certain third-party advertisers by visiting websites such as the Network Advertising Initiative, Omniture, PrivacyChoice, or the Digital Advertising Alliance.

At this time, we do not respond to "Do Not Track" browser signals. Consequently, your browsing activity on our sites may still be tracked to collect information as described above. If you arrived at our sites from a platform that supports "Do Not Track," this functionality will no longer apply once you access our sites.

3. Legal Bases for Data Processing

We collect and process personal data, including sharing it with third parties, only where a valid legal basis applies. These bases include:

Our legitimate interest in providing and improving our sites and services.
Ensuring the safety and security of our platforms.
Our third-party service providers legitimate interests, as outlined in "Information We Automatically Gather Using Cookies and Other Tools."
Your consent, which you can withdraw at any time.
Processing necessary for fulfilling a contract, such as our Terms of Use, Service Agreement, or License Agreement.
Processing required to safeguard your vital interests or those of others.
Compliance with legal obligations, such as laws, regulations, or court orders.

4. How We Use Personal Information

4.1 Personal Information You Provide

We may use the personal information you provide in various ways, including:

To fulfill obligations related to your purchase, subscription, or any contract between you and us.
To enable features such as location-specific pricing, logging, and data analysis retrieval.
To send critical updates about your account, and any changes to terms, conditions, or policies.
To process payments, send invoices, receipts, and delinquency notices, or request updated payment details.
To verify information you provide, such as income and employment details, particularly for loan requests.
To retain loan request data for the required duration, as determined by us or applicable laws.
To gather feedback and improve our services, tailoring your experience to your needs.
To facilitate communication with other users through private messaging or other channels.
To contact you via email, phone, text, or chat in ways permitted by law.
To meet contractual and legal obligations.
To send technical notices, updates, security alerts, support messages, and reminders.
To inform you about new products, promotional offers, or other opportunities of interest.
To display ads through various methods such as websites, emails, text messages, or applications.
To administer services like forums, surveys, contests, and promotions, either by us or partners.
To detect and prevent fraud, enforce terms of use, and ensure legal compliance.
For internal processes, including auditing, research, and data analysis, to refine our offerings.
To enable applications for jobs or special offers through our sites and services.
To assist in scheduling or contacting professionals like healthcare providers or legal experts.
To integrate with tools for managing services, such as referrals, prescriptions, or test submissions.
To allow authorized third parties to conduct research on usage patterns and aggregate trends.

We may also use your personal information for other disclosed purposes at the time of collection or with your consent.

4.2 Automatically Collected Information

Information gathered through cookies and tracking technologies may be used in several ways, such as:

To recognize you when you revisit our sites.
To analyze usage patterns, monitor activity, and understand user behavior.
To compile demographic data about our users as a whole.
To tailor ads, content, and offers to suit your preferences.
To conduct market research and improve the usability of our sites, content, and services.

5. Sharing Personal and Non-Personal Information

Your personal information may be shared with third parties under specific circumstances, such as:

When engaging third parties to provide services on our behalf, including maintenance, hosting, data storage, security, analytics, payment processing, marketing, email distribution, customer service, surveys, and sweepstakes.
When you interact with us via email, online forms, requests for quotes or information, financing inquiries, or product purchases. Personal data may be shared with third parties to process your requests, provide requested services, or complete transactions, including brokers or financial institutions.
If you schedule appointments with healthcare or legal professionals, your contact, insurance, or medical information may be shared with them.
Where necessary to operate our services, your personal data and communications may be accessed or monitored:
- To comply with laws and regulations.
- To defend against legal or regulatory actions.
- To protect our rights, property, or enforce our Terms of Use.
- In response to legal processes, such as subpoenas, court orders, or search warrants.
- If criminal activity is suspected, to report it or for fraud protection and risk management.
- In emergencies posing a threat to health or safety.
In the event of a merger, acquisition, restructuring, or sale of assets, your data may be transferred to the successor entity.
We may share information with our subsidiaries, affiliates, or acquired/merged companies for advertising and other purposes.
When registering for co-branded services, your information may be shared with the partner company, subject to both parties privacy policies.
For any additional purposes disclosed at the time of data collection or with your consent.

Non-personal information may be shared with referring partners for market research or with advertising partners to optimize ad delivery and performance.

6. User-Generated Content and Public Forums

You may choose to share personal information publicly through:

Posting user-generated content (e.g., articles, blogs, surveys, reviews, or podcasts).
Engaging in online forums, communities, or chat rooms.
Creating public user profiles or posting images, photos, or videos.

Be aware that information shared in these public spaces is unencrypted and may be collected, read, or used by others. We recommend avoiding the disclosure of personal health or sensitive information in these areas. Review the specific terms of use for guidance on privacy and confidentiality in such interactions.

7. Accessing and Updating Personal Information

We encourage you to keep your personal information accurate and up to date. Depending on the site or service, you may:

Return to the original web page where you submitted your information to view or update it.
Log into your account on the site or service and update your details through account settings.
Close your account by navigating to account settings on the respective site or service.
Update your email preferences by visiting the preferences page or following unsubscribe instructions in our communications.
Manage information collection, such as disabling geo-location, via your device settings.

If you have questions about these options, contact us at [email protected]. To protect your data, we may verify your identity before processing your request.

Note that some records and information may be retained for legal, payment, or customer service purposes. Additionally, we may not be able to delete public activities or content you’ve shared, as outlined in the respective sites terms.

8. Storing Personal Information

Your personal information is retained as long as your account remains active or as required to provide our services. Additionally, we may preserve your data after account closure if necessary to meet legal or regulatory obligations, resolve disputes, prevent fraudulent activities, enforce our Terms of Use, or for other legitimate operational reasons where deletion is technically infeasible.

10. Protecting Personal and Protected Health Information

To safeguard your personal and protected health information (PHI), we employ robust technical, physical, and administrative security measures, including:

Using technologies like Transport Layer Security (TLS), firewalls, and system alerts.
Storing health data in secure facilities with controlled access.
Regularly evaluating and improving our information systems and processes.

We implement industry-standard practices to protect your data from unauthorized access, misuse, and alteration. As required by law, we maintain the confidentiality, integrity, and availability of PHI in compliance with the Health Insurance Portability and Accountability Act (HIPAA) and related regulations.

Payment processing is managed by third-party providers, who are authorized to use billing information solely for processing payments on our behalf. Payment data transmitted to these providers is encrypted using TLS technology, and we do not store this information on our systems.

While we take significant steps to secure your data, no system can guarantee absolute security. Any information shared or transmitted online is at your own risk. We advise against sharing sensitive data unless necessary, as unauthorized access or use could occur. Protecting your information, including PHI, ultimately depends on your actions, and we cannot be held liable for unauthorized disclosures not covered by a Business Associate Agreement with a healthcare provider.

11. Linked Websites and Services

Our websites and services may contain links to external sites or services operated by third parties, including advertisements, content, or applications managed by those entities. We do not control these third-party platforms and are not responsible for their privacy practices. Once you navigate away from our sites, it is your responsibility to review the privacy policies of the linked services.

Additionally, we may provide social media integration features that allow you to share information or interact with our services. Please review the privacy settings and policies of the social media platforms you use, as these interactions could result in data collection or sharing.

12. HIPAA Compliance

Our services may involve the collection, use, disclosure, and storage of PHI submitted by you or your healthcare provider. These activities comply with HIPAA regulations as governed by a Business Associate Agreement with your healthcare provider.

12.1 Use and Disclosure of Protected Health Information

We use and disclose PHI as permitted by HIPAA and outlined in the Business Associate Agreement. PHI may be used for:

Providing services to healthcare providers.
Internal management and legal compliance.
Data aggregation for healthcare providers, with confidentiality assurances.

We may subcontract services but require subcontractors to adhere to the same HIPAA standards. Additionally, we may de-identify PHI and use it in compliance with privacy laws.

12.2 Accessing, Changing, or Removing PHI

HIPAA grants specific rights regarding your PHI, including access, correction, and usage restrictions. To exercise these rights, please contact your healthcare provider. Users cannot access or modify data shared with others unless permitted by applicable laws or regulations.

Upon termination of a Business Associate Agreement, PHI will either be returned to the healthcare provider or securely destroyed, as stipulated in the agreement.

13. Childrens and Minors Privacy

Our services are not intended for children under 13, and we do not knowingly collect personal information from them. If we discover such data has been collected, we will promptly delete it.

Users must be at least 18 years old to use our services unless specific terms for minors are outlined. Parents, guardians, and authorized users are solely responsible for any personal data submitted on behalf of minors.