Privacy Policy

Haven Benefits, Inc. is committed to protecting your privacy and developing technology that provides you with powerful and safe online experience. Because we value our relationships, we do not sell client nor employee information. We will only share your information for the purposes of providing services which you have engaged us to perform on your behalf, such as placing your insurance, and/or providing you with insurance-related products and/or services, as applicable, and as otherwise permitted or required by law.

This Privacy Policy applies to our employee benefits brokerage and consulting website and governs data collection and usage. It outlines our information-sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to protect the confidentiality of that information. By using the Haven Benefits, Inc. web site, you consent to the data practices described in this statement.

Your Confidential Information

Haven Benefits, Inc. is committed to protecting the privacy of Internet users who visit our web site, located at havenbenefits.com and havenbenefits.net (the “Site”).

Your Confidential Information includes, but is not limited to, Protected Health Information, Nonpublic Personal Financial Information, and/or Trade Secrets. You do not have to provide us any Confidential Information in order to visit our web site. We may request Confidential Information from you at our site in order to deliver requested materials and/or insurance-related or benefits-related services. Under no circumstances will we ever sell your Confidential Information to others.

We collect only that amount of Confidential Information which you choose to provide to us. By using our site you agree to the uses of your Confidential Information described in this notice. If at any time this Privacy Policy changes, the changes will be posted on our site, so that you are aware of our intent to better protect your privacy. To make this policy easy to find, we make it available throughout our site and at every point where personally identifiable information may be requested.

Confidentiality Practices

Haven Benefits, Inc. supports the concept of total confidentiality. We also hold our business associates and our affiliates to similar confidentiality standards. Your Confidential Information will only be used and disclosed in a manner consistent with applicable federal and state statutes and regulations, contractual obligations, and our company’s policies and procedures.

Confidential information includes but is not limited to, Protected Health Information, Nonpublic Personal Financial Information, and/or Trade Secrets.

Protected Health Information (PHI) is defined as individually identifiable health information that is held, transmitted or maintained by our company and clients in performance of our contractual obligations with clients. This type of information includes information provided or maintained in electronic, paper and oral form. Protected Health Information will be used and disclosed solely for our company’s business activities related to health care operations.

Nonpublic Personal Financial Information includes confidential information of a financial nature that is shared by a current, prospective or prior client with Haven Benefits in the course of providing products and services to that client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, business records, accounting information involving the client, contracts, claims, policy information, and any other data of the client’s that is financial in nature.

Trade Secrets are defined to include any proprietary information of our current, prospective or prior client that is obtained through the course of our business activities with that client, through the provision of products and services provided by us to the client. This information is not otherwise available to the public and includes, but is not limited to the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, and any other information related to a client’s activities, products or services.

Information We Collect

The information gathered by Haven Benefits, Inc. from this site falls into two categories: (1) information voluntarily supplied by visitors to our site and (2) tracking information gathered as visitors navigate through our site.

Information Voluntarily Provided by You

When using this site, you may choose to provide us with information to help us serve your needs. For example, you may provide us your e-mail address to request information or you may send us your mailing address so we may send you the material you have requested. Any Personal Information that you send us will be used only for the purpose indicated on the site or in our Privacy Policy and Privacy Notice.

Tracking Information

Click Streams

We may capture click streams to help us learn what parts of our Web site are most popular and among which audiences. We may also use them to help us optimize our user interface, to analyze site usage statistically, to improve content, and to customize our Web site’s content and layout. In short, we use this information to allow us to tailor our Web site and to meet your needs better. We analyze click stream data to track trends and behaviors, not individuals. We are interested in our audience size, return visit rate, and similar data on an aggregate basis. We also capture date and time information of visits, pages visited, and the time you spend with us.

Cookies

Cookies are pieces of information that a Web site transfers to your computer’s hard drive for record-keeping purposes. They can make the site more useful by storing information about your preferences at our site. It is almost standard for any interactive web site to use cookies. Cookies do not identify a user, but they do identify a user’s computer. Most browsers are set up to accept cookies. If you prefer, you can set your browser to refuse cookies, but some online services on our site may not function without them.

The information that may be maintained by a cookie is used by Haven Benefits solely to help us manage the site, improve features of the site and understand usage patterns. This may include such items as: username, the pages visited on the site; the date and time of the visit; the internet address of the referring site; the version of browser used; the capabilities of the browser; and the search terms used on our search engines.

We do not use cookies to track or report on activity when you are not on our site or to provide such information to other parties for their own marketing use. We do not use cookies to collect personal information such as your e-mail address, and we do not combine information collected through cookies with your Confidential Information. We make no attempt to look at or examine other cookies or information that may be stored on your computer.

Do Not Track Signals

We honor your web browser’s Do Not Track signal.

Information We Share

We do not use, disclose, sell or transfer any Confidential Information without consent unless required or permitted by law or regulation. In cases of permitted disclosure, we will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided. For example, we may disclose your Confidential Information in order to market your insurance coverage directly with insurers and providers.

Information Security

We restrict access to your Confidential Information to our employees who need to know such information in order to provide you with the insurance products or services for which you have engaged us. We maintain physical, electronic, and procedural safeguards that comply with U.S. federal and state regulations to guard your Confidential Information.

We cannot guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining in strict confidence any computer passwords you use to access the Internet or this site.

Once you leave our site (you can tell where you are by checking the URL in the location bar on your browser), further use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from Haven Benefits’ policy. If you can’t find the privacy policy of any of these sites via a link from the site’s homepage, you should contact the site directly for more information.

COPPA

We do not knowingly collect online information from children under the age of 13. Haven Benefits’ services are marketed towards adults. If we are notified that we have collected personal information, as defined by the Children’s Online Privacy Protection Act (COPPA), of a child under the age of 13, we will delete the information as expeditiously as possible.

Legal Matters

Haven Benefits may preserve and has the right to disclose without your prior permission any information about you or your use of this site if we have a good faith belief that such action is necessary to: (a) Protect and defend the rights, property or safety of Haven Benefits employees, other users of this site, or the public; (b) Enforce the terms and conditions that apply to use of this site, or (c) Respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.

Changes to Our Privacy Policy

We reserve the right to make changes to our Privacy Policy at any time. Such changes will be posted on this page. We encourage you to review the web site, and the Privacy Policy in particular, periodically for any updates or changes. Your continued use of this site shall be deemed your acceptance of all terms and conditions contained in this Privacy Policy.

Contact Information

Haven Benefits, Inc. invites your comments regarding this Privacy Policy. If you have any questions regarding this Privacy Policy, please contact us at info@havenbenefits.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

Last modified on April 2, 2015.