Privacy Policy, Modern Health Solutions

Introduction

We recognize that the protection of your personal information is important. The purpose of this policy is to let you know how we handle the information collected while you use this website. Portions of this website may describe privacy practices applicable to specific types of information or to information provided on specific web pages.

This policy does not apply to information collected through other means such as by telephone or in person, although that information may be protected by other privacy policies. As used in this policy, terms such as “we,” “us,” “our,” and “Company” refer to Modern Health Solutions and its current and future affiliated entities.

This website is intended for a United States audience. Any information you provide, including any personal information, will be transferred to and processed by a computer server located within the United States.

We may request certain information regarding your health that is classified as “Protected Health Information” (PII), such as tobacco status and prescription lists. Please note that information is entirely optional, but may prevent us from accurately obtaining quotes for you. If you enter such information into one of our forms, that information is stored securely and only shown to agents who are helping to acquire quotes for you. That information is securely kept for the sole purpose of obtaining individualized quotes for you.

General Overview

Any contact information you give us will be used to send you quotes, advertisements, information about who we are and what services we offer, and other communications that we believe may provide you value.

Our website contains many links to other websites and outside sources. Modern Health Solutions is not liable for any actions that another company or party takes. If you follow a link on our website that takes you off of our website and onto a different site, you must carefully read the privacy policy of that site to see how they may collect and use your data and information.

Cookies and Tracking

The Company may use various technologies, including cookies, tokens, tags, web logs, web beacons, scripts, and web server logs to gather automatically collected information and may aggregate this information from our website visitors or to enable certain features of our website. This information may include demographic data, technical information about the technology (e.g., phone, computer) used to connect to our website, web browser information, your IP address, and browsing behavior such as pages visited and how often they are visited (“Activity Information”). We may also use third-party analytics companies to provide these services.

We may also allow third-party service providers to use cookies and other technologies to collect information and to track browsing activity over time and across third-party websites such as web browsers used to read our websites, which websites are referring traffic or linking to our websites, and to deliver targeted advertisements to you. We do not control these third-party technologies and their use is governed by the privacy policies of third parties using such technologies. For more information about third-party advertising networks and similar entities that use these technologies, see www.aboutads.info/consumers, and to opt out of such ad networks’ and services’ advertising practices, go to www.aboutads.info/choices and www.networkadvertising.org/choices. Once you click the link, you may choose to opt out of such advertising from all participating advertising companies or only advertising provided by specific advertising companies. Please note that to the extent advertising technology is integrated into our website, you may still receive advertisements even if you opt out of tailored advertising. In that case, the ads will just not be tailored. Also, we do not control any of the above opt-out links and are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms.

Activity Information is captured using various technologies and may include cookies. “Cookies” are small text files that may be placed on your computer when you visit an Online Service or click on a URL. Cookies may include “single-session cookies” which generally record information during only a single visit to a website and then are erased, and “persistent” cookies which are generally stored on a computer unless or until they are deleted or are set to expire. You may disable cookies and similar items by adjusting your browser preferences at any time; however, this may limit your ability to take advantage of all the features on our website. In addition, you may also have additional means to manage the collection of Activity Information by:

Managing the use of “flash” technologies with the Flash management tools availableat Adobe’s website;
Visiting Googleto “Opt-Out” of display advertising or customize Google display network ads; and/or
Clicking on the SessionCam “Opt-Out” link.

Please note that we do not currently respond to web browser “Do Not Track” signals that provide a method to opt out of the collection of information about online activities over time and across third-party websites or our website because, among other reasons, there is no common definition of such signals and no industry-accepted standards for how such signals should be interpreted.

We gather Activity Information about you to improve the quality of our services, such as the best method and time to contact you. Without limiting the other ways in which we may use Information as described herein, we may otherwise use and disclose your Activity Information unless restricted by this Policy or by law. Some examples of the ways we use your Activity Information include:

Customizing your experiences, including managing and recording your preferences;
Marketing, product development, and research purposes;
Tracking resources and data accessed on our website;
Developing reports regarding website usage, activity, and statistics;
Assisting users experiencing problems with our services;
Updating and servicing our website;
Enabling certain functions and tools on the website; and
Tracking paths of visitors to our website and within our website.

Your Personal Information

This website may include web pages that give you the opportunity to provide us with personal information about yourself. You do not have to provide us with personal information if you do not want to; however, that may limit your ability to use certain functions of this website or to request certain services or information. We may use personal information for a number of purposes such as:

To respond to an email or particular request from you.
To administer surveys and promotions.
To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
To perform analytics and to improve our products, websites, and advertising.
To comply with applicable laws, regulations, and legal process.
To protect someone’s health, safety, or welfare.
To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use.
To keep a record of our transactions and communications.
As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.

We may use personal information to contact you through any contact information you provide through this website, including any email address, telephone number, cell phone number, text message number, or fax number. Please see the section below titled “Our Online Communications Practices.”

We may also share personal information within the Company, and we may combine personal information that you provide us through this website with other information we have received from you, whether online or offline, or from other sources such as from our vendors. For example, if you have purchased a product or service from us, we may combine personal information you provide through this website with information regarding your receipt of the product or service.

Sharing Personal Information

We will only share your personal information with third parties as outlined in this policy and as otherwise permitted by law.

We may share personal information if all or part of the Company is sold, merged, dissolved, acquired, or in a similar transaction.

We may share personal information in response to a court order, subpoena, search warrant, law or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting activities that are illegal, violate our rules, or may be harmful to other visitors.

We may also share your personal information with other third-party companies that we collaborate with or hire to perform services on our behalf. For example, we may hire a company to help us send and manage email, and we might provide that company with your email address and certain other information in order for them to send you an email message on our behalf. Similarly, we may hire companies to host or operate some of our websites and related computers and software applications. Furthermore, we may give out your information to a mail house in order for them to send advertisements to you.

Website and Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide on this website. However, no security system is impenetrable and we cannot guarantee the security of our website, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the Internet, and we are not liable for the illegal acts of third parties such as criminal hackers.

Our Online Communication Practices

We may send electronic newsletters, advertisements, and other communications on a periodic basis to various individuals and organizations. We may also send email communications regarding topics such as general health benefits, website updates, health conditions, and general health topics. We offer you appropriate consent mechanisms, such as opt-out, for marketing and certain other communications. As examples, you may opt out as provided for in a specific email communication or contact us as described below in the section “Contact Us.” Please be aware that opt-outs may not apply to certain types of communications.

Information for Children Under 13

We will not intentionally collect any personal information from children under the age of 13 through this website or any forms without receiving parental consent. If you think that we have collected personal information from a child under the age of 13 through this website, please contact us.

Contact Us

To contact us regarding this policy and our related privacy practices, please contact us at:

Modern Health Solutions
ATTN: Legal Department
PO Box 726
Omaha, NE 68101

If you believe we or any company associated with us has misused any of your information, please contact us immediately and report such misuse.

Effective Date

The Effective Date of this Privacy Policy is January 1, 2022.

Changes to this Website Privacy Policy

We may change this policy. If we do so, such change will appear on this page of our website. We will also provide appropriate notice and choices to you, on this website and in other appropriate locations, based on the scope and extent of changes. You may always visit this policy to learn of any updates.

Social Media Disclaimer

Are you using social media? So are we! We encourage you to read, share, follow us and provide commentary on Facebook®, LinkedIn®, and other social media sites. Before you post, please make sure you read our social media disclaimer:

We are under no obligation to screen or monitor your posts or any other User Content, however, we do make a reasonable effort to monitor participation to ensure that you stay on topic, are courteous and avoid making offensive comments. Your posts and User Content must adhere to the following requirements and cannot:

Contain any third-party material including logos, drawings, tattoos, photographs, pictures, sculptures, paintings, and other images or works of art, phrases, trademarks, trade secrets or other items without explicit prior written permission to use such materials
Contain sexually explicit, graphic, gratuitous, or unnecessarily violent content or defamatory or derogatory content against any ethnic, racial, gender, religious, sexual orientation, professional or age group or contain any pornographic or nude material
Contain any private information about yourself or any other individual, including without limitation, information related to the health of the individual, financial information about the individual or any identification or account numbers related to the individual, with or without their permission or consent
Contain any software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware or telecommunications equipment
Contain any advertising, promotional materials, “junk mail”, “spam”, “chain letters”, “pyramid schemes”, or promote illegal activity and/or illegal contests, sweepstakes, gambling, including any online casino, sports books, bingo, poker or any other form of solicitation

We reserve the right to, at our own discretion, edit, delete, remove, or hide any comments, posts, images, videos, or reviews for any reason, especially if we feel they have violated the above requirements.

Please be aware that once you post something online, there is the potential for numerous individuals to read your words, even years from now. Therefore, we suggest that you exercise caution when posting on any social media sites and that you not disclose personally identifiable information like your location, medical record number, personal medical information, financial information, etc. We are not responsible for the content of any comments or responses posted by others to any website or social media site managed or monitored by Modern Health Solutions. We do not control the placement of any marketing or advertising displayed on our pages by social media or third-party organizations. The inclusion of links to other websites does not imply any endorsement of the material on the websites.

Please remember that information posted on any of our social media platforms is for general informational purposes only and should not be considered medical advice and should not replace a consultation with your health care professional. Always consult an appropriate health care professional for your specific needs. If you are experiencing a medical emergency, call 9-1-1 or your local emergency number. Some treatments mentioned on social media formats may not be covered by your health plan. Please refer to your benefit plan documents for information about coverage.

We reserve the right to respond to any post or User Content and may occasionally privately request your contact information to assist offline with your consent by routing the matter to the appropriate persons or department for further handling.

All trademarks are the property of their respective owners.