The Website is owned and operated by HealthNet Colorado, LLC, doing business as HealthNetCO Insurance Agency (“Broker Assist On Demand”). Broker Assist On Demand is a real-time referral system that connects Consumers seeking assistance from an Expert in their area who can provide immediate assistance with services and/or products. By using the tabs above on this Privacy section of our Website, you will find our policies and agreements governing how we, and our affiliates and subsidiaries, handle the personal information that we receive when you use our Website.
Terms of Use: Effective Date: Dec 21, 2013.
The following Terms of Use (these “TOU”) outline the terms and conditions applicable to your access and use of the Broker Assist On Demand site, available at https//healthnetco.com (the “Website”). The Website is owned and operated by HealthNet Colorado, LLC, a Colorado limited liability company doing business as HealthNetCO Insurance Agency (“Broker Assist On Demand”). By using the Website, you are accepting and agreeing to these TOU. By agreeing to these TOU, you are also agreeing to the other policies posted on the Privacy page of the Website, including, but not limited to, the Privacy and Security Policy. If you do not agree to these TOU, do not use the Website. Broker Assist On Demand reserves the right to modify these TOU and the other policies posted on the Privacy page of the Website at any time without notice. Continued use of the Website will constitute acceptance of such modifications.
Use of the Website
Subject to full compliance with these TOU, Broker Assist On Demand grants you a nonexclusive, nontransferable, nonsublicensable, terminable license to access and use the Website for your personal use. You agree to not access, reproduce, duplicate, copy, sell, re-sell, modify, distribute, transmit or otherwise exploit the Website or any of its content for any purpose except for your personal use and as described in these TOU, without the express written consent of Help On Demand. By using the Website, you represent that you are at least eighteen (18) years of age and are a resident of the United States. The Website is provided for your informational use only.
Client-specific information that is entered into and generated by the Website, including online and/or printed proposals, is confidential and, with the exception of Broker Assist Help On Demand personnel and other parties authorized by Broker Assist On Demand, may only be accessed by the user from whom the information originated. If you have received a proposal in error, please contact Help On Demand at [email protected] and either delete, destroy, or return such proposal to Broker Assist On Demand immediately.
Broker Assist On Demand may change or restrict your use of the Website and/or make changes to the products and services described on the Website at any time without notice. Use of the Website is granted by permission only and may be revoked at any time without notice.
Lawful Purpose
By using the Website, you represent that you are using the Website for a lawful purpose. Any use of the Website and information generated by it that is in violation of any federal, state or local regulation (including insurance regulations) is prohibited.
Products/Services Illustrated on the Website
Nothing within the Website, nor the proposals or any other materials it generates, should be deemed a contract for products or services. You may not be eligible for all of the products or services described in the Website.
Third Party Links
The Website contains links to third party websites. Broker Assist On Demand makes no representations regarding the content or accuracy of any website that you may access through the Website. Broker Assist On Demand does not monitor and is not responsible for the content found on other websites that are linked from the Website. Broker Assist On Demand therefore encourages you to review the privacy policies and terms of use of any third-party site accessed through the Website. Broker Assist On Demand does not imply endorsement, recommendation or sponsorship for any linked website or the services, products, or advice described therein. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s), not of Broker Assist On Demand.
Registration Information
Broker Assist On Demand may require that you create an account to use or access certain parts of the Website and to use certain products thereon and features thereof. Broker Assist On Demand may require that you provide login information such as a username and password to access and utilize your account. As a condition of your use of the Website, you agree to (a) provide Broker Assist On Demand with true, accurate, current and complete information as prompted by the Broker Assist On Demand registration forms, when registering for or using the Website and (b) update and maintain the truthfulness, accuracy and completeness of such information. You are responsible for maintaining the confidentiality of any password or other account information not generally available to others and are fully responsible for all activities that occur under your username and password. While there are limited, legitimate reasons for creating multiple accounts, creating serial or overlapping accounts may result in account termination. Please contact Broker Assist On Demand if you have questions about managing multiple accounts.
User Submissions
By submitting information or materials through the Website, you grant to Broker Assist On Demand a royalty free, perpetual, irrevocable, worldwide, nonexclusive, transferable, and sublicensable license to use and transmit such information and materials as described in these TOU (which incorporate the other policies posted on the Privacy page of the Website), including, without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request.
You agree not to submit or transmit any e-mails or materials through the Website that (i) are defamatory, threatening, obscene or harassing, (ii) contain any virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without such third party’s permission, or (iv) otherwise violate any applicable laws.
Broker Assist On Demand shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in these TOU and the policies on the Privacy page of the Website, and as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed to or required by law.
Disclaimer of Warranties
The Website and any products or services available through the Website are provided to your on an “as is,” “as available” basis without warranties of any kind, either express or implied, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement. Help On Demand, its direct and indirect parents and subsidiaries, each such entity’s employees, officers, directors, agents, and any other parties involved in creating, producing or distributing Help On Demand’s Website services (the “Broker Assist On Demand Parties”) make no representations or warranties that use of the Website materials will be uninterrupted or error-free. You are responsible for taking all necessary precautions to ensure that any materials you may obtain are free of viruses or any other harmful components.
The Broker Assist On Demand Parties make no representations or warranties related to the accuracy of the information contained within the Website and disclaim all liability for errors or omissions in the information presented
Disclaimer of Liability
Your use of the Website is at your own risk. Under no circumstances, including negligence, shall the Broker Assist On Demand Parties be liable in contract, tort, negligence, strict liability or otherwise for any damages whatsoever, whether special, consequential, direct, indirect, incidental, punitive or otherwise, that may be suffered by the user, even if the Broker Assist On Demand Parties have been advised, knew or should have known of the possibility of such damages, including, but not limited to: (i) loss of data resulting from delays, non-deliveries, human error, technical malfunctions, failures, omissions, interruptions, deletions or defects of any telephone networks, computer online systems, computer equipment, server providers or software; (ii) any injury or damage to the user’s or any other person’s computer relating to or resulting from use of the Website; (iii) inability to access storage service(s); (iv) theft, tampering, destruction or unauthorized access to, or alteration of, content; (v) any incorrect or inaccurate information disseminated or provided; or (vi) service interruptions by any cause or errors or omissions of the user.
Indemnification
You agree that you shall defend, indemnify, save and hold the Broker Assist On Demand Parties harmless from any and all demands, lawsuits, charges, liabilities, losses, costs, and claims, including reasonable attorneys’ fees (“Liabilities“), asserted against the Broker Assist On Demand Parties that may arise or result from any service provided or performed or agreed to be performed or any product sold by you or your employees, clients, or assigns. You agree to defend, indemnify, and hold harmless the Broker Assist On Demand Parties against any and all Liabilities, including, but not limited to, those arising out of: (i) any actual or alleged breach of these TOU, or any related or subsequent agreements, by you, your affiliates and subsidiaries, their respective employees, or anyone else authorized to act on your behalf; (ii) any negligence or willful misconduct by you or your affiliates or subsidiaries, or the respective employees or agents of such entities, or anyone else authorized to act on your behalf; (iii) any injury to person or property caused by any products sold or otherwise distributed in connection with the Help Broker Assist On Demand or services provided by the Broker Assist On Demand Parties; (iv) any material supplied by you infringing or allegedly infringing on the proprietary rights of a third party; (v) any copyright infringement; (vi) any claim or allegation that your services or products violate any law, ordinance, rule, statute or regulation of any jurisdiction; (vii) any claims from your employees, agents, independent contractors, sub-contractors, and/or suppliers with respect to any lien for nonpayment of services or materials; and (viii) any defective product which you sold while using Broker Assist On Demand.
Copyright
The Website is protected by U.S. copyright laws. Except as expressly provided under these TOU, you may not use, reproduce, modify, transmit, distribute, or publicly display the Website without the prior written consent of Broker Assist On Demand.
Contacting Broker Assist On Demand
If you have questions, comments or concerns regarding the Website, please e-mail [email protected]. Please include details of your questions, comments or concerns, including your complete name and contact information.
Notice for California Users
Pursuant to Section 1789.3 of the California Civil Code, California web users are entitled to the following specific consumer rights notice: The services reflected on the Website are provided by HealthNet Colorado, LLC, a Denver Colorado limited liability company doing business as HealthNetCO Insurance Agency, 12500 E Iliff Ave Aurora, C0 80014. If you have any questions, concerns or complaints regarding such services, please contact Broker Assist On Demand by either sending: (i) an e-mail to [email protected] or (ii) a letter, first class certified mail, to HealthNet Colorado, LLC, 12500 E Iliff Ave Ste 210 Aurora, CO 80014, Attn: Office Manager.
California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Boulevard, Suite S-202, Sacramento, California 95834, or by telephone at (916) 445-1254 or (800) 952-5210 or Hearing Impaired at TDD (800) 326-2297 or TDD (916) 322-1700.
Violation of TOU
Broker Assist On Demand reserves the right to seek all remedies available at law and in equity for violations of the terms and conditions set forth in these TOU and the Privacy Policy, including, but not limited to, the right to block access from a particular Internet address to the Website.
Severability
Should any provision of these TOU or any policies posted on the Privacy page of the Website be held invalid, unlawful, or for any reason unenforceable, then such provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
Dispute Resolution
Any controversy or claim arising out of or relating to these TOU or the Website shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Aurora, Colorado, and judgment on the arbitration award may be entered in any court having jurisdiction thereof.
Privacy Policy: Effective: December 21, 2023
- The Scope of this Policy
- The Information We Collect
- How We Use Your Information
- How We Share Your Information
- Your Rights and Choices Regarding Your Information
- How We Store and Safeguard Your Information
- California Residents Privacy Rights
- Changes to this Privacy Policy
- Contact Us
The Scope of this Policy
HealthNet Colorado, LLC, doing business as HealthNetCO Insurance Agency (“Broker Assist on Demand” , “ we ”, “ us ”, or “ our ”), is committed to respecting the privacy rights and concerns of all users of the HealthNetCO Insurance Agency website where this Privacy Policy is posted (the “ Site ”), and for all services made available by us (collectively with the Site, the “ Service ”). As such, we have established and implemented this Privacy Policy to inform visitors to the Site and users of the Service how we use and protect the information we collect. By accessing the Site or using the Service, you consent to our collection, use, storage, deletion and disclosure of information relating to you as set forth in this Privacy Policy. This Privacy Policy is effective as of the date set forth above and is only applicable to the Service and not to any other website that you may be able to access from the Service which may have its own data collection and use practices and policies.
The Information We Collect
Personal information means information that can be used to identify and contact you. You do not need to submit personal information to access the Service generally. However, you may be required to submit personal information to access certain aspects of the Service. By submitting personal information through the Service, you authorize us to share this personal information for the purposes identified herein, such as responding to user inquiries, processing transactions, providing services, and requesting feedback.
Consumers:
When you use our Services, or when you enter information on our Site, we may collect personal information from you, including your:
- First and last name
- City and zip code
- Email address
- Phone numbers
- Preferred language
- IP address
We ask and collect information surrounding the existence of a current health insurance policy.
Brokers:
When you create an account and when you enter information on our Site, we may collect personal information from you, including your:
- First and last name
- Account name and password
- Company name
- Email address
- Phone number
- Preferred contact method
- County and zip code
- Proficient languages
- Coverage area
- License number
- Federal Employer Identification Number
Types of Non-Identifying Personal Information We Collect
We may also collect non-identifying personal information such as your browser type, domain names, mobile device operating system, when you accessed the Service and from what location you access the Service. This information may be aggregated to measure the number of visits, average time spent, page views, and other statistics about users of the Service. We may use this data to monitor the Service’s performance and to make the Service easier and more convenient to use.
We collect personal information when you visit our Site, input information through the Service, complete a survey, receive customer or technical support, or when we connect you with a broker.
How We Use Your Personal Information
The personal information you provide to us will allow us to communicate with you and provide the Service to you, depending on the aspects of the Service you utilize. This includes, but not limited to, connecting you to an insurance broker; customer service questions or issues; verifying your identity; and requesting feedback and upon your consent. We may also use your email address as part of the Service in sending you messages about the Service and other general announcements. We keep track of your interactions with us, including but not limited to your activity within the Service. Except as set forth in this Privacy Policy, or unless we have your consent, we will not share your personal information with any person or entity other than those affiliated with us, entities acting on our behalf, and relevant third parties such as those needed to collect and maintain our servers and perform technology and related services.
We may use your personal information with non-personal information that we have collected in a manner such that the end-product does not personally identify you or any other user of the Service. We may make your personal information non-personally identifiable by either combining it with information about other users (aggregating your personal information with information about other users), or by removing characteristics (such as your name or email address) that make the information personally identifiable. This process is known as de-personalizing your information. You grant us a royalty-free, worldwide, perpetual, irrevocable and fully transferable right and license to use your personal information in connection with the creation and development of analytical and statistical analysis tools relating to the use of the customer data we collect in providing the Service (the “Analytical Data”). We are expressly authorized to make any commercial use of the Analytical Data, including without limitation, supplementing our valuation products, sharing the Analytical Data with third parties, and otherwise exploiting the Analytical Data, provided that we do not sell, trade, or otherwise transfer from us any part of the Analytical Data that personally identifies any Service users.
How We Share Your Information
Service Providers. We may share your personal information with service providers (including our affiliates that provide services on our behalf) that we engage for the purpose of processing information on our and your behalf. Additionally, we may partner with other companies to process, analyze, and/or store data, including, but not limited to, Analytical Data. While providing services for us, these companies may access your personal information. To the extent applicable, we require these parties to comply with this Privacy Policy and appropriate confidentiality and security measures.
Protection of Rights. We will share personal information if we have a good faith belief that (i) access, use, preservation or disclosure of such information is reasonably necessary to satisfy any applicable law, regulation, legal process, such as a court order or subpoena, or a request by law enforcement or governmental authorities, (ii) such action is appropriate to enforce our Terms of Use for the Service, including any investigation of potential violations thereof, (iii) such action is necessary to detect, prevent, or otherwise address fraud, security or technical issues associated with the Service, or (iv) such action is appropriate to protect the rights, property or safety of us, our employees, users of the Service or others.
Asset Transfers. If we become involved in a merger, acquisition or other transaction involving the sale of some or all of our assets, user information, including personal information collected from you through your use of the Service, could be included in the transferred assets. You expressly consent to such transfer. Should such an event occur, we will use reasonable means to notify you through email and/or a prominent notice on the Site.
Do Not Track
In compliance with California legislation, AB370, effective January 1, 2014, our practices in responding to “do not track” signals and collecting user information over time and across a network of websites when you visit the Site are as follows: we do not honor the request of “do not track” signals sent by your browser when you visit the Site. Additionally, we may collect user information about your online activities over time and across different websites, or authorize third parties to do so.
Google Analytics
We use third-party service providers such as Google Analytics to help us learn about who visits the Site and what pages are being viewed. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google Analytics’ collection and use of data generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout.
Cookies
“Cookies” are small bits of electronic information that a website sends to a visitor’s browser and are stored on the visitor’s hard drive. Like many websites, we employ cookies in certain areas of the Site to allow us to provide information to make your online experience more convenient. For example, when you return to the Site after logging in, cookies provide information to the Site so that the Site will remember who you are on subsequent visits, speeding up or enhancing your experience of the Service by, for instance, tailoring content to you or keeping track of your login name and password. While we may use cookies to track your visit to the Site, this information does not identify you personally and you remain anonymous, even if you have previously submitted personal information to us through the Site or otherwise.
Third parties whose websites are accessible through links on the Site may also use their own cookies when you link to their site or service. We do not control these third parties’ use of cookies and cannot guarantee that they will uphold the same privacy standards as us. We expressly disclaim any and all liability related to the collection, use or disclosure of information by third parties. You should review the privacy policies of any third-party sites that you visit through a link from the Site to understand how these third parties use cookies and the information they collect through cookies. Most cookies are “session cookies” which means that they are automatically deleted at the end of each session. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you a chance to decide whether or not to accept it.
Log Information
Our servers automatically record information that your browser or mobile device sends whenever you visit the Site or use the Service. This information includes, among other things, your Internet Protocol address, mobile device operating system, your browser type and version, which aspects of the Service you use and from where, and when and how long you use them. We use this information to monitor and analyze how users use the Service, to provide customer service and to maintain and improve the Service. We may also collect similar information from emails we may send to you which then help us track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Service.
Children’s Privacy
We do not knowingly collect personal information from children under 13 or allow them to create an account through the Site. We take children’s privacy seriously, and encourage parents to play an active role in their children’s online experience at all times.
How We Share Your Information
Sharing Your Information
We use your personal information to provide the Service to you, handle your customer service questions or issues, request feedback, and send communications to you about promotions, updates, or special offers from us that may be of interest to you. The personal information uploaded by you through the Service will be shared only with authorized persons to whom you specifically grant access or direct us to share with. We may also use your depersonalized personal information to provide analyses of our users in the aggregate (including Analytical Data subject to the terms of this Privacy Policy) to prospective partners and other third parties. We will also share the personal information we collect from you under the following circumstances, and you expressly authorize us to share your information as follows:
- Service Providers. We may share your personal information with service providers (including our affiliates that provide services on our behalf) that we engage for the purpose of processing information on our and your behalf. Additionally, we may partner with other companies to process, analyze, and/or store data, including, but not limited to, Analytical Data. While providing services for us, these companies may access your personal information. To the extent applicable, we require these parties to comply with this Privacy Policy and appropriate confidentiality and security measures.
- Protection of Rights. We will share personal information if we have a good faith belief that (i) access, use, preservation or disclosure of such information is reasonably necessary to satisfy any applicable law, regulation, legal process, such as a court order or subpoena, or a request by law enforcement or governmental authorities, (ii) such action is appropriate to enforce our Terms of Use for the Service, including any investigation of potential violations thereof, (iii) such action is necessary to detect, prevent, or otherwise address fraud, security or technical issues associated with the Service, or (iv) such action is appropriate to protect the rights, property or safety of us, our employees, users of the Service or others.
- Asset Transfers. If we become involved in a merger, acquisition or other transaction involving the sale of some or all of our assets, user information, including personal information collected from you through your use of the Service, could be included in the transferred assets. You expressly consent to such transfer. Should such an event occur, we will use reasonable means to notify you through email and/or a prominent notice on the Site.
Additional Information You Should Know About Third Parties
The Service may contain direct links to websites operated by our partners and other entities. These third-party websites may collect information about you when you visit them or otherwise communicate with them. This Privacy Policy does not cover the information practices of third-party websites linked to the Site or accessible through the Service. Although we encourage such third parties to adopt and follow their own privacy policies, we are not responsible for their collection and use of your personal information. You should refer to the privacy policies and statements of other websites or contact the respective webmasters of those websites to obtain information regarding their information collection, use and disclosure policies.
Your Rights and Choices Regarding the Your Information
Control of Your Information
You may update or delete your personal information or modify your account preferences for the Service by accessing the account interface provided through the Service. Please note that if you disable your account, we will keep the information we receive as described in this Privacy Policy for as long as necessary to fulfill the purpose(s) for which it was collected, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.
Your Choice to Opt Out
If you no longer want to receive our emails or other announcements, you may unsubscribe by writing to us at [email protected] or following the instructions provided through the Service or the “unsubscribe” link at the bottom of our emails. Please note that you cannot unsubscribe from certain correspondence from us, including messages relating directly to your plan or account.
How We Store and Safeguard Your Information
The personal information that you provide to us is stored on servers which, to our knowledge, are located in secured facilities with restricted access and are protected by protocols and procedures designed to ensure the security of such information. We restrict access to personal information to our employees, independent contractors and agents who need to know this information in order to develop, operate and maintain the Service. All of our personnel who have access to this information are trained in the maintenance and security of such information. Access to such personal information is minimized whenever possible. Logs are kept of access to application data, which can be monitored for unauthorized activities. However, no server, computer or communications network or system, or data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect user information, we cannot ensure or warrant the security of any information you transmit to us or through the use of the Service and you acknowledge and agree that you provide such information and engage in such transmissions at your own risk. Once we receive a transmission from you, we will endeavor to maintain its security on our systems.
In the event that personal information you provide to us is compromised as a result of a breach of security, when appropriate we will take reasonable steps to investigate the situation, notify you and take the necessary steps to comply with any applicable laws and regulations.
California Residents Privacy Rights
The California Consumer Privacy Act of 2018 (the “CCPA”) is a California law that gives California residents (“consumers”), the right to learn about and control certain aspects of how a business handles the personal information that a business collects about them. For purposes of this addendum, Help on Demand is referred to as “we” or “our”. Pursuant to the CCPA, consumers have certain rights, including:
- The right to know the categories of personal information we’ve collected and the categories of sources from which we got the information;
- The right to know the business purposes for sharing personal information;
- The right to know the categories of third parties with whom we’ve shared personal information;
- The right to access the specific pieces of personal information we’ve collected;
- The right to delete your information; and
- The right to opt-out of the sale of your information.
- California residents also have the right to not be discriminated against if they choose to exercise their privacy rights.
We disclose personal information for business purposes only.
Your Rights Under the CCPA
Right to Opt-Out of Sale of Your Personal Information
Consumers have the right to request that a business that sells the consumer’s personal information, or that discloses it for a business purpose, inform the consumer of what has been collected about them and who it has been sold or disclosed to. Consumers also have the right, at any time, to direct a business that sells personal information about them not to sell their personal information.
HealthNetCO Assist on Demand does not sell or share your personal information for monetary or other valuable consideration.
Right to Access / Data Portability
Consumers have the right to request that a business that collects personal information about them disclose the following: (1) The categories of personal information it has collected about that consumer; (2) The categories of sources from which the personal information is collected; (3) The business or commercial purpose for collecting or selling personal information; (4) The categories of third parties with whom the business shares personal information; (5) The specific pieces of personal information it has collected about that consumer.
To exercise your right to access, you may submit a Verifiable Consumer Request by calling us toll free at 1-833-444-4139, and leave a message in the general mailbox, or by sending an email to [email protected]. Please include “Request for Access” in the subject line.
If you submit your response via email, we will reach out within 10 days to confirm that we have received your request.
We will then take steps to determine whether your request is a valid Verifiable Consumer Request. If you have an account, we may ask you to login to confirm this information. We will not ask you to create an account if you do not already have one. We will only ask for information that is reasonable in light of the nature of your request.
When you submit a request for access:
Within 45 days, we will provide you with a copy of the information listed in “Right to Access / Data Portability,” above, by mail or electronically. To the extent possible, this information shall be provided in a portable and useable format.
In the event we need additional time, we will inform you within the initial 45-day period of our need for an additional 45 days (for a maximum of 90 days between request and provision of information).
We are not required to provide personal information to a consumer more than twice in a 12-month period.
Changes to this Privacy Policy
We may change this Privacy Policy from time to time. Laws, regulations, and industry standards evolve, which may make those changes necessary, or we may make changes to our services or business. We will post the changes to this page and encourage you to review our Privacy Policy to stay informed. If we make changes that materially alter your privacy rights, we will provide additional notice, such as via email or through the Services. If you disagree with the changes to this Privacy Policy, you should deactivate your account and cease use of our Services.
Contact Us
If you have any questions about our privacy practices or this Privacy Policy, please contact us by email at [email protected].