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POC SERVICES

Privacy Policy

Point Of Care Consults, a New Jersey registered Domestic Profit Corporation (“Point Of Care Consults LLC”, “pocconsults.com”, “we” or “our”), is the owner and operator of this website pocconsults.com. pocconsults.com respects the privacy of our consumer users (“you” or “your”) and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. If you are an individual who is a user of this website, who accesses or responds to advertisements or offers e-mailed or displayed to you relating to this website or who is otherwise as a user of the services provided by pocconsults.com, this Privacy Policy is intended to describe for you, among other things:

The information we collect about you

How we use the information we collect

With whom we share your information

How you can access your information

Your choices about collection and use of your information

How we protect your personal information

We encourage you to read this Privacy Policy carefully when using our website or services, responding to our advertisements and offers, or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy. (This Privacy Policy does not apply to our vendors, contractors and employees.)

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you such as your zip code. When you provide personal information through our website, the information may be sent to pocconsults.com servers located in the United States and other countries around the world.

Information You Provide. As mentioned above, we may collect information you submit on our website, such as your name, e-mail address and zip code. We may also track your interaction with email advertisements sent to you by pocconsults.com or our e-mail service providers on our behalf (for example, when you register, purchase, or browse in response to such emails).

List Information from Vendors. We may obtain information about you after you provide information to a third party and you permit that party (the “Seller”) to share the information, which pocconsults.com subsequently purchases, licenses or otherwise lawfully acquires. Such information may include, but is not limited to, your name, street address, zip code, telephone numbers, birth date, gender, education, marital status, occupation, industry of employment, personal and/or online interests, and/or other information which you provided to the Seller (together, “Vendor List Information”). When acquiring Vendor List Information, pocconsults.com requires assurances from the Seller that the Seller has a right to transfer the Vendor List Information to pocconsults.com and that pocconsults.com may lawfully use the Vendor List Information to transmit offers to you. You may opt out of receiving these offers by using one of the methods specified in the section below entitled “Your Choices About Collection and Use of Your Information”.

Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties, as well as information from public databases. Examples of information that we may receive include information about your facility and additional demographic information.

Use of Cookies and Other Technologies to Automatically Collect Information. We and our authorized service providers, advertising companies, and ad networks may use various activity tracking technologies, such as cookies, pixels and web beacons, to collect information from your computer and about your activities on our website or interaction with our advertisements (see “Information Collected by Third Parties” below). We and these companies may automatically collect information from your browser when you visit our website. This information may include your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see “Cookies” below) and the referring website address.

Cookies. When you visit our website, we may assign your computer one or more cookies, to facilitate access to our website, to personalize your online experience, and to record information about your visit to our website. A cookie is a small amount of data stored on the hard drive of your computer that allows your computer’s browser to store your preferences and allows pocconsults.com, our authorized service providers, advertising companies and ad networks to identify you by a unique identifier and associate this with corresponding information in our or their database. Through the use of a cookie, we and these companies may store your non-personally identifiable registration information and user preferences and may also automatically collect information about your online activity on websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on websites. In addition, pocconsults.com may set a cookie on your computer when you view our advertisements delivered on or in connection with a third-party website you are visiting. After a cookie is set, pocconsults.com may track how you interact with the advertisement (for example, registering, purchasing, browsing, etc.). Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to use some of the interactive features offered on our website. We do not tie tracking cookies used for behavioral or targeted advertising purposes to any personal information you submit while on our website. They do NOT, however, collect personal information. Although we may place or allow third parties to place their cookies when you visit our website (as described more fully in the subsection below entitled “Targeted or Behavioral Advertising”), we do not have access or control over third party cookies, nor does our Privacy Policy cover the use of cookies by third parties.

Other Technologies. We may use other standard Internet activity tracking technologies, such as web beacons and similar technologies, to track your use on our website or your interaction with our advertisements. A web beacon is a programming code used to display an image on a web page and can also transfer an individual’s user identification to a database and associate the individual with previously acquired information about the individual. Such information may be used in targeted or behavioral advertising, as well as for the other uses described in this paragraph. We may include web beacons in promotional e-mail messages or newsletters or online advertisements to determine whether messages have been opened or acted upon. We may use the information we obtain in this manner to customize the services and offers we provide our website’s visitors, to deliver targeted advertisements, and to measure the overall effectiveness of our online advertising, content, programming or other activities. We do not tie web beacons to any personal information you submit while on our website.

Employers, Affinity Groups, and Benefits Administrators or Consultants.

If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations.

We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

Business Transition.

If Point of Care Consults is involved in a merger, acquisition, or sale of all or a portion of it’s assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your Consent.

If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where Point of Care Consults has a corporate account for the purpose of adding you to Point of Care Consults’s social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

Your Requests for Products (Services).

If you request to be contacted about any type of insurance product (Safety regulations), request to be contacted by a licensed agent (Point of Care Consults)or other representative, request assistance with enrolling in any type of insurance product ( Safety Regulatory Servies)or make any other request on our site for someone to contact you (such as by filling out an online request form), then our representatives may contact you.

Providing you with a quote or processing your application.

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.

Customer satisfaction, referrals and other products.

We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

Targeted or Behavioral Advertising

Targeted advertising (also known as behavioral advertising) uses information collected on an individual’s web browsing behavior such as the pages they have visited or the searches they have made. This information is then used to select which Point of Care Consults Corporation advertisement should be displayed to a particular individual on websites other than an Point of Care Consults Corporation site. For example, if you have shown a preference for Medicare supplemental insurance while visiting an Point of Care Consults Corporation, site, you may be served an advertisement from or about the Point of Care Consults Corporation site for Medicare supplemental insurance when you visit a site other than the Point of Care Consults Corporation site. The information collected is only linked to an anonymous cookie ID (alphanumeric number); it does not include any information that could be linked back to a particular person, such as their name, address or credit card number. The information used for targeted advertising either comes from the Point of Care Consults Corporation site you are visiting or through third party website publishers.

In addition, we may place (or allow third parties to place) cookies and pixels on our website which enable our authorized service providers, advertising companies and advertising networks to collect information about our users who view or interact with their or our advertisements on our website or complete certain actions on our site, such as submitting a form. However, we do not tie these cookies and pixels to personal information that you submit on our website. The information collected by the cookies and pixels allows us and our partner companies to deliver, and gauge the effectiveness of, targeted advertisements, both on our website and when you are browsing other websites. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative (www.networkadvertising.org), which offers a single location to opt out of ad targeting from member companies.

Storage of Information We Collect

We may store the personal information described above as necessary to accomplish the business purposes for which it was collected, as well as to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. We also maintain an information security program that limits storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.

HOW WE USE THE INFORMATION WE COLLECT

deliver the products and services that you have requested (for example, to provide you with Federal Regulatory Assistance send you offers that you have opted in to receive; manage your relationship with us and provide you with customer support; perform research and analysis about your use of, or interest in, our products, services or content, or products, services or content offered by others; communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us develop and display content and advertising (such as targeted ads) tailored to your interests on our websites and other websites; enforce our terms and conditions; protect pocconsults.com, our websites, our customers and/or our other users from fraud, hacking or other harm; cooperate with legal, criminal or regulatory investigations or proceedings; manage our business; and perform functions as otherwise described to you at the time of information collection..

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