TERMS & PRIVACY
MEDCAL INCENTIVE ADVISORS RESPECTS YOUR PRIVACY
Protecting your privacy is very important to us. Customers like you have trusted us with their insurance needs since 1990, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
SUMMARY
This summary tells you the basics of our privacy commitment to you-how we collect and use your information, how we protect it, and who can see it. You should read the entire privacy policy below for full details.
We obtain personal information from you directly, from your transactions with us, and from third parties such as state motor vehicle departments.
We do not collect personally-identifying information from you when you visit our Web site or online services unless you affirmatively provide it to us.
We do not allow third parties to collect personally-identifying information from your computer or mobile device when you visit our Web site or use our online services.
Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
We extensively secure and limit access to your information.
We protect information about potential, current, and former policyholders.
THE INFORMATION WE COLLECT
Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.
INFORMATION WE OBTAIN FROM YOU
During the quoting or form filling processes you may give us Information such as your:
Name
Address
Phone number
Email address
Social Security number
Driver’s license number
Date of birth
If you gave us your email address, MEDICAL INCENTIVE ADVISORS may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any MEDICAL INCENTIVE ADVISORS email you receive.
LOCATION SERVICES
Your current location is only determined if you permit our services to do so. If you allow your location to be obtained using a browser, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. MEDICAL INCENTIVE ADVISORS does not automatically track your location.
ACCESS AND CORRECTION OF PERSONAL INFORMATION
If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia, you have the right to access and correct the personal information that we have collected from or about you. To do so, simply contact MEDICAL INCENTIVE ADVISORS’s customer service department. If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to MEDICAL INCENTIVE ADVISORS’s records. If you wish to correct personal information provided to MEDICAL INCENTIVE ADVISORS by a third party (such as a credit rating agency) the representative will provide you with the applicable third party’s contact information.Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records.
THE INFORMATION WE DISCLOSE
Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.
We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.
Following are some examples of how we may disclose Information:
We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
When you are involved in a claim, policy information is provided to adjusters from your carrier.
We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
We may also share your Information for other permitted purposes, including:
with another insurance company
with insurance-support organizations that detect and prevent fraud
with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
if ordered by a subpoena, search warrant or other court order
CONFIDENTIALITY AND SECURITY
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.
Your Security is Important
ADDITIONAL INFORMATION FOR OUR INTERNET USERS
We continuously improve MEDICAL INCENTIVE ADVISORS. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make MEDICAL INCENTIVE ADVISORS an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular. We may also use this data, in aggregated or anonymized form, to offer you content, products, or services we hope will interest you.
We use cookies to improve your experience while using MEDICAL INCENTIVE ADVISORS and our social media pages. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies.
MEDICAL INCENTIVE ADVISORS may place small pieces of computer code (embedded objects) on our pages to help our advertising partners count how many customers they referred to our site. We may use these objects to track how many referred customers actually get a form to be submitted. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don’t collect any personally identifiable information about you.
CHANGES TO THIS PRIVACY POLICY
We may modify our privacy policy from time to time. The most recent version is always posted at MEDICAL INCENTIVE ADVISORS
WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS
If you have a concern about privacy or security at Medical Incentive Advisors, we want to hear about it email. Please write to us at: support@medicalincentiveadvisors.com