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| PRIVACY
POLICY
Pursuant to Federal and State laws, financial institutions
are required to issue you a privacy notice describing
their privacy policies and practices. Such laws also
allow financial institutions to issue at their discretion
joint notices.
We want to assure you of their respective commitment
to protect the privacy of your personal financial or
health information that is required by law.
Privacy Policies and Practices
Information that is collected:
We may collect nonpublic personal information about
you from the following sources:
- Information that is received from you on applications
or other forms;
- Information about your transactions with affiliates
or others;
- Information received from a consumer reporting agency
and other institutions or entities.
Information that may be disclosed
Collected nonpublic personal information may be disclosed
to affiliates and nonaffiliated service providers when
necessary to carry out normal business activities and
as permitted by law. These business activities that
are legally permitted may include:
- Collecting and paying of insurance premiums and auditing
functions thereof;
- Paying of supplemental benefits and auditing functions
thereof;
- Paying physicians, hospitals, and others who provide
you and others covered by your insurance policies health
care services, paying reimbursements for cost of services
to clients, paying supplemental plan benefits to clients,
and auditing functions thereof;
- Conducting quality assurance activities or outcomes
assessments;
- Reviewing the competence or qualification of health
care professionals;
- Performing care management, education, risk assessment,
and health promotion and outreach activities;
- Performing accreditation, licensing or credentialing
activities;
- Analyzing health plan claims or health care records
data;
- Evaluating provider clinical performance;
- Carrying out utilization management;
- Conducting or arranging auditing services in accordance
with statute, rule or accreditation requirements;
- Performing marketing activities;
- Creating non-identifiable information;
- Complying with federal and state laws.
Practices regarding information confidentiality
and security
We restrict access to nonpublic personal information
about you to those employees who need to know that information
in order to provide products, marketing or services
to you. We maintain physical, electronic, and procedural
safeguards that comply with federal and state regulations
to guard your nonpublic personal information from unauthorized
disclosure.
Policy regarding dispute resolution
Any controversy or claim arising out of or relating
to this Privacy Notice, or breach thereof, shall be
settled by arbitration in accordance with the rules
of the American Arbitration Association, and judgment
upon the award rendered by the arbitrator(s) may be
entered in any court having jurisdiction thereof.
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