Privacy Policy

Your privacy and the privacy of all users of the OurCare web site (www.OurCareBill.org) (“Web Site”) are very important to us. We have adopted the following Web Site Privacy Policy that relates only to personal information that OurCare collects online.

OurCare is sponsored by HealthMarkets Insurance Agency (the “Company”) is the d/b/a or assumed name of Insphere Insurance Solutions, Inc. which is licensed as an insurance agency in all 50 states and the District of Columbia.

NOTICE OF INFORMATION COLLECTED AND DISCLOSED

This Policy tells you, among other things, what information we gather from you through our Web Site, how we may use or disclose that information, and our efforts to protect it.

In connection with your use of our Web Site, we may collect the following information:

  • The domain name, but not the e-mail address, of visitors to our Web Site.
  • The e-mail addresses of users who communicate with us via e-mail.
  • Aggregate information on what pages on our Web Site users access or visit.
  • Information volunteered by the user, such as site registration, e-mail update requests and product or service related inquiries.
  • Information about your transactions with us or others.

We use the personally identifying information you voluntarily provide to register you as a user of the Web Site, to administer Web Site usage and monitor traffic-levels, and to contact you regarding improvements we can make to our Web Site and our services, if necessary. We may also use the information you provide to contact you directly regarding services, products or information that we believe may be of interest to you. Except as disclosed in this Policy, we will not use your information for any purpose that you have not expressly authorized.

From time to time, we may also disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent harm.

CHOICE/OPTING-OUT

You may choose to restrict our use of your information. If you are a user of our Web Site or services, you may restrict distribution of your information by indicating such restrictions in your account when asked. On our Web Site, you have the option to remove your name and personal information from any information that will or may be disclosed to a third party although disclosures to law enforcement or to meet other legal requirements may still be required.

You may exercise your choice to “opt-out” of providing personal information in many ways. When selecting certain services or features of our web site, you can choose whether to share personal information with respect to the particular service or feature.

You may also “opt-out” entirely from providing personal information to us by not providing information on our Web Site. You may also choose at a later date to have your name removed from our database. However, certain sections of our Web Site do require registration in order to use these sections and services. If you choose not to provide certain information, these sections will not be available for your use.

ONWARD TRANSFER (TRANSFERS TO THIRD PARTIES)

If we propose to disclose your information to a third party that is acting as our agent or on our behalf, we will ensure that the third party has agreed to assure adequate protection of your information.

SECURITY

We have taken appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction. However, please remember that you play a valuable part in security as well. After you have finished using the Web Site, you should exit your browser so no unauthorized persons can use our Web Site with your name and information. Furthermore, if you provide any information to parties who operate web sites that are linked to or from our Web Site, different rules may apply to their collection, use, or disclosure of your personal information. We encourage you to review the privacy policies of such other sites before revealing any sensitive or personal information. Regardless of the precautions taken by you or by us, “perfect security” does not exist on the Internet. We cannot ensure or warrant the ultimate security of any information you transmit.

COOKIES

A cookie is a small data file that certain web sites write to your computer’s hard drive when you visit those sites. A cookie file can contain information such as a user ID that a web site uses to track the pages you have visited. A persistent cookie allows the web site to remember you on subsequent visits. We do set persistent cookies.

AD SERVERS

We do not partner with or have special relationships with any ad server companies.

LINKING TO OTHER WEB SITES

Please remember that when you use a link to go from this Web Site to another web site, this Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites that have a link on this Web Site, are subject to the terms, conditions and policies of that web site. Please read those terms, conditions and policies before proceeding.

CHANGES IN OWNERSHIP

In the event that ownership of OurCare web site was to change as a result of a merger, acquisition or transfer to another company, personal information that you provide to OurCare through this Web Site may be transferred. If such a transfer results in a material change in the use of your personal information, HealthMarkets Insurance Agency will provide notice about your choices to decline to permit such a transfer.

EFFECTIVE DATE AND FUTURE CHANGES

This Privacy Policy is effective as of January 20, 2017. You acknowledge and agree that the Company may, in its sole discretion, modify, add or remove any portion of this Privacy Policy at any time and in any manner. The current version of this Privacy Policy is available at //www.OurCareBill.org/privacy-policy. If a revision, in our sole discretion, is material, the Company will provide notice through a revised Privacy Policy posted on this website. No changes to this Privacy Policy occurring after a dispute between you and the Company arises will apply retroactively. It is your responsibility to check periodically for any changes we make to the Privacy Policy. Your continued use of this Web Site after any changes to the Privacy Policy means you accept the changes.