This document outlines the privacy practices of Options.Health (“we,” “us,” or “our”). By accessing our website (referred to as the “Website”), you agree to the terms laid out in this privacy policy (the “Policy”). The Website is designed primarily for users in the United States.
How We Gather Your Personal Information
To deliver the services and tools you request and to support our business operations and marketing efforts, we may need to obtain certain details from you, including personal data. We collect this information in the following ways:
- Information You Provide: We store and process any data you voluntarily submit through the Website or share with us in other ways that can identify you personally. This helps us enhance your experience, gain insights into our audience, and reach out to you when necessary. Typically, personal details are shared when you use the Contact Us or Member Services sections to send us questions or feedback.
- Automated Data Collection: To tailor content to user preferences, we use cookies to gather aggregated statistics about Website visits. A cookie is a tiny file placed on your device when you first visit, containing a unique identifier to recognize you on return visits. Cookies, widely used across websites, improve browsing experiences without harming your files or accessing other data on your device. We aggregate this usage data and do not track your individual activity. Permitting a cookie does not grant us or others access to your device beyond the cookie itself, which only we can read.
Types of Personal Information We Collect
Based on how you interact with Options.Health, we might collect:
- Personal and Contact Details: This includes your name, email, phone number, address, birth date, gender, marital status, and information about your insurance, medical coverage, prescriptions, and Social Security benefits.
- Account-Related Data: If you engage with us via the Website or maintain an account, we may collect profile information you provide.
- Non-Identifying Data: We may also gather anonymous information that doesn’t pinpoint you as an individual, which we use for legitimate business purposes like analyzing Website usage trends.
How We Utilize Your Information
Depending on your connection with Options.Health, your data may be used to:
- Manage Our Connection with You:
- Deliver customized tools and services suited to your needs.
- Enhance our Website, services, and systems through support, personalization, testing, research, and development.
- General Use: We leverage this information to understand our visitors better, respond to inquiries, improve user experience, and compile aggregated visit statistics.
- Legal Compliance: We may disclose data if legally required, to enforce our Website Terms and Conditions, or when we believe it’s necessary to safeguard our rights, property, or safety, or that of our users.
Your Options
You have control over the personal data we collect:
- Voluntary Data: You can opt not to share certain details, though this may limit access to features like parts of the Contact Us and Member Services sections.
- Cookies: Most browsers accept cookies by default, but you can adjust settings to block them. Check your browser’s “Help” section for instructions on managing cookie preferences.
Accessing Your Data
We allow you to verify and update your personal information by reaching out to us directly.
Sharing Your Information
Options.Health may share your data within its affiliates and subsidiaries for operational purposes like marketing, analytics, or legal compliance. We may also share it with:
- Service Providers: Third parties aiding our service delivery, IT security, or web hosting.
- Insurance Partners: Carriers providing our insurance offerings.
- Authorities: Government bodies, regulators, or law enforcement as required.
Aggregated, non-identifiable data may be shared freely with affiliates or third parties for lawful purposes.
Protecting Your Data
We implement measures to shield your information from loss, misuse, alteration, or unauthorized access.
Data Retention
We keep your personal data as long as needed to provide services, fulfill transactions, or meet legal or contractual obligations. Retention depends on factors like:
- The duration of our relationship with you.
- Legal or contractual requirements.
- Your consent to extended retention.
- The sensitivity of the data.
Once no longer needed, we delete or anonymize your data.
Communication Preferences
If you provide your email or phone number, you may receive updates from us. To stop receiving emails, use the unsubscribe option in those messages.
Children’s Privacy
The Website is not intended for children under 18. If we learn we’ve collected data from a minor, we’ll remove it promptly.
Third-Party Links
The Website may link to external sites (e.g., Facebook, Instagram) that collect personal data. This Policy doesn’t apply to those sites, so review their privacy statements.
Applicable Law
While the Website is accessible globally, it’s governed by U.S. and Minnesota laws. Users outside these jurisdictions are responsible for compliance with local laws. If conflicts arise, the Website may not be suitable for you.
Agreement and Updates
Using the Website signifies your understanding and consent to this Policy and our Terms and Conditions, including dispute resolution terms. We may update this Policy without notice, effective immediately upon posting. Continued use after changes implies acceptance. Review this page regularly for updates.
Contact Us
For questions about this Policy or your data rights, contact us at:
- Phone: (952) 392-9508
- Email: info@options-insurance.com
- Website: Options.Health (www.options.health), a division of Options Insurance, Minnesota Health and Medicare Agency
Updated March 2025
