Effective date as last modified: October 31, 2019

Privacy Policy

Introduction

 

USA Benefits (“Aliera,” “Company,” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy. We recognize information that may be confidential, proprietary or legally privileged and acknowledge that certain information may be protected under HIPAA, or other applicable regulations. USA Benefits has policies and procedures that protect the confidentiality of your medical and personal information. These policies prohibit the sharing of any of your personal or medical information with anyone who does not have a right to know. The confidentiality policy, or HIPAA Notice of Privacy Practices, discloses your rights and is sent to all members. If you did not receive a copy and would like one sent to you or, should you have a question, please contact Member Services at: privacy@usabenefits.com.

 

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.UsaBenefits.com (our “Website“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

 

California residents may have additional personal information rights and choices. Please see USA Benefits Privacy Notice for California Residents for more information, effective 1/1/2020.

 

This policy applies to information we collect:

 

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

 

It does not apply to information collected by:

 

  • The Company offline or through any other means, including on any other website operated by the Company or any third party; or
  • Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

 

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

 

Children Under the Age of 13

 

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at privacy@usabenefits.com via our toll-free number: 1-844-834-3456.

 

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see USA Benefits Privacy Notice for California Residents for more information, effective 1/1/2020.

 

Information We Collect About You and How We Collect It

 

We collect several types of information from and about users of our Website, which is stored and processed in Atlanta, GA, and in other locations for back-up and recovery purposes or to enable us to offer you certain services, including information:

 

  • by which you may be personally identified, such as full name, postal address, email address, telephone number, account number, member identifier, medical provider, medical history, medical care details (e.g., appointment information), medications, claims information, social security number, date of birth, or any other identifier by which you may be contacted online or offline (“personal information“);
  • that is about you but individually does not identify you, such as zip code;
  • about your internet connection, the equipment you use to access our Website, and usage details;

 

We collect this information:

 

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the site. Information collected automatically may include usage details, internet protocol (“IP”) addresses, and information collected through cookies, web beacons or similar technology.
  • From third parties, for example, medical providers and service providers.

 

Information You Provide to Us

 

The information we collect on or through our Website may include:

 

  • Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting materials, or requesting further services. We may also ask you for information when you enter a promotion sponsored by us, and when you report a problem with our Website. For example, if you register on our Website, we collect your name, email address and password. If you place an order with us, we collect the personal information that you provide to us, such as your billing and payment information. You may also have the option to store credit card or other payment information to make it easier to purchase products or service from the Website in the future. If you contact our member services agents, you may also provide us with personal information that we collect. When you purchase a product or service, we collect all of your order information, such as the type of product you purchased and the costs of each product. We may provide you with the opportunity to review our products or participate in public forums associated with the Website. Any reviews, posts or comments will be public, so you should use care before posing information about yourself online.
  • Records and copies of your correspondence (including email addresses), if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
  • Your search queries on the Website.
  • Information You provide on a member portal or provided on your behalf on a broker portal.
  • Information You provide through a broker or employee portal.

 

You also may provide information to be published or displayed (hereinafter, “posted“) on public areas of the Website or transmitted to other users of the Website or third parties (collectively, “User Contributions“). Your User Contributions are posted on and transmitted to others at your own risk. While the Company has security measures, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

 

Information We Collect Through Automatic Data Collection Technologies 

 

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

 

  • Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

 

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click here https://allaboutdnt.com, for information on how you can opt out of behavioral tracking on this Website and other mechanisms that enable consumers to exercise choice about behavioral tracking.

 

The information we collect automatically is statistical data and may include personal information that we may maintain or associate with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

 

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Website.
  • Use cookies.

 

The technologies we use for automatic data collection may include:

 

Browser Cookies. A browser cookie is a small file placed on the hard drive of your computer. By using our Website, you consent to our placement of cookies on your computer. You may occasionally get cookies from our business partners or other third parties. We have no access to or control over these cookies. You may refuse to accept browser cookies by activating the appropriate setting on your browser. Please consult your browser’s “help” section for instructions. Additionally, if you have an Adobe Flash player installed on your computer, your Flash player can be set to reject or delete Flash cookies. If you choose to decline cookies, you may not be able to fully experience the features of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

 

Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

 

We use Google Analytics, a web analysis service provided by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”). Google Analytics uses Cookies that are stored on your computer and allow for an analysis of your website use. The information generated by the Cookies about your use of our Website is forwarded to Google and stored on servers located in the USA.

 

You may opt out from the use of Cookies by changing your browser settings. You may also deactivate the service by downloading and installing the browser add-on to deactivate Google Analytics for your current browser, available at: https://tools.google.com/dlpage/gaoptout/.

 

For further information please visit https://policies.google.com/.

 

For further information about managing and disabling cookies on your computer see www.allaboutcookies.org/manage-cookies.

 

Third-Party Use of Cookies

 

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

 

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

 

How We Use Your Information

 

We use information that we collect about you or that you provide to us, including any personal information:

 

  • To present our Website and its contents to you.
  • To provide you with information, products, or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To provide you with notices about your account, including expiration and renewal notices.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to our Website or any products or services we offer or provide though it.
  • To allow you to participate in any interactive features on our Website.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.

 

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

 

Disclosure of Your Information

 

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

 

We may disclose personal information that we collect, or you provide as described in this privacy policy:

 

  • To our subsidiaries and affiliates.
  • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about our Website users is among the assets transferred.
  • To fulfill the purpose for which you provide it. For example, if you give us your email address as part of completing a form on the Website or calling our sales center, we may use your email address or other personal information provided to contact you.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

 

We may also disclose your personal information:

 

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our terms of use, https://www.alieracompanies.com/terms-of-use/, and other agreements, including for billing and collection purposes.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of USA Benefits, our customers, or others.

 


Choices About How We Use and Disclose Your Information

 

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

 

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
  • Solicitations from the Company. If you do not wish to have your email address/contact information used by the Company to solicit your business with Aliera, you can opt-out by sending an email to: privacy@usabenefits.com. If we have sent you a solicitation email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, product service experience, or other transactions.

 

California residents may have additional personal information rights and choices. Please see USA Benefits Privacy Notice for California Residents for more information, effective 1/1/2020.

 

Accessing and Correcting Your Information

 

You can review and change your personal information by logging into the Website and visiting your account profile page.

 

You may also send us an email at privacy@usabenefits.com to request access to or correct any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

 

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use, https://www.UsaBenefits.com/terms-of-use/.

 

California residents may have additional personal information rights and choices. Please see USA Benefits Privacy Notice for California Residents for more information, effective 1/1/2020.

 

Your California Privacy Rights

 

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit USA Benefits Privacy Notice for California Residents, effective 1/1/2020.

 

Data Security

 

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. We maintain reasonable physical, electronic, and procedural safeguards designed to help us protect your non-public personal information against loss, misuse, disclosure and alteration. For example, we use Secure Socket Layer (SSL) technology to encrypt your credit card information when you purchase products through our Website. When you establish an account at USA Benefits, a password is generated to help protect your account information. Passwords can be updated. A password is only as strong as you make it. You should select a unique password and keep it safe. You may change your password as often as you wish by going to the Member Log In link of the Website.

 

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website. The information you share in public areas may be viewed by any user of the Website.

 

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

 

It is our policy to post any changes we make to our Privacy Policy on this page with a notice that the Privacy Policy has been updated on the Website home page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.

 

Contact Information

 

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

 

privacy@usabenefits.com, or

 

via our toll-free number: 1-844-834-3456.