Updated October 2018
By using the Sites, you consent to our collection and use of your information as described in this policy. If you do not agree with these terms, you should not use the Sites.
We reserve the right to amend or change this policy at any time. Changes to the policy will be effective immediately upon posting to the Sites. We will use our commercially reasonable efforts to notify you of changes to this policy by electronic mail or by clearly posting the changes on the Sites. Information collected before any change goes into effect will be treated in accordance with the terms of the prior policy. We will mark each version of our policy with an effective date. You are responsible for reviewing this policy each time you use the Sites.
Kind’s use and disclosure of certain of your personal information may be subject to the requirements of the Health Insurance Portability and Accountability Act of 1996, commonly referred to as HIPAA, as amended by the Health Information Technology for Economic and Clinical Health Act (“HITECH Act”). Any information that you submit to us that constitutes “Protected Health Information,” as defined by HIPAA, is subject to HIPAA and HITECH. The term “Protected Health Information” or “PHI” refers to personally identifiable information about your past, present or future physical or mental health or condition, the provision of health care to you or the past, present or future payment for such care. If any information collected on the Sites constitutes PHI, then our Notice of Privacy Practices will apply.
We do not collect personally identifiable information (“PII”) about you or others unless you choose to provide that information to us. Should you choose to share PII with us, it will be protected by our security practices. Methods by which we may collect PII include your transmitting information to us via electronic mail or voluntarily sharing information via the Sites or an inquiry page. Such PII may include your contact information, age, gender, date of birth, Social Security Number, health conditions, and other information you choose to provide us, subject to applicable law and the terms of this policy. We may use third party service providers to assist us in collecting and maintaining this PII, however we require such service providers to maintain confidentiality of this information.
When you visit the Sites, we may automatically and passively collect and temporarily store non-personally identifiable information relating to your visits to the Sites. This information may be collected by various means, including “cookies”, which are small text files that are automatically placed on your computer, collection of your IP address, and information regarding the browser software and computer system that you are using, along with similar analytic data. Our cookies include “session cookies” or single-visit files that gather data regarding how the Sites are used, and “persistent cookies” which last for multiple visits to the Sites and are used to customize the Sites for frequent visitors and gather information regarding variations of website design and content. Session cookies expire when you leave the Sites and are automatically deleted from your computer when they expire. Our persistent cookies are set to expire [duration] after your last visit to any of the Sites. After such time, they are automatically deleted from your computer. Kind cannot identify a specific individual by use of our cookies. We may use your IP address (or, if available, GPS or other location data) to allow us to predict your geographic location; such information will be stored by us and used as a data point to provide recommendations of insurance and other products and services for you.
We may share your personal information with our business partners, including insurance companies, insurance agents, benefit plan trustees or administrators, and governmental exchanges and entities. If you submit an application for an insurance product we offer via the Sites, we will disclose your information to the insurance company offering such product for processing of your application. If you submit a request for information for an insurance product or other service offered via an insurance agent, agency, or other business partner of ours, we may disclose your personal information to the applicable business partner to process your application or request for information or to otherwise provide you with information about such insurance products or services. If you complete an application with us that is processed through a governmental exchange or entity, we will disclose your personal information to the applicable exchange or entity. Our business partners may only use your personal information to process your application, request for information, or enrollment information, and such partners are under legal obligation to maintain confidentiality of your personal information.
We may provide your personal information to third parties that provide services to us in the ordinary course of our business. Such service providers may include electronic mail providers, web hosting services, payment processors, data analytics providers, cloud-based storage and software-as-a-service providers, customer service contractors, and providers of other services. These providers may access your information in connection with their provision of such services. Such service providers are restricted to using your information solely in connection with their provision of services to us and are required to maintain strict confidentiality of your personal information.
We reserve the right to share your information with entities that are affiliated with us (i.e., parents, subsidiaries, or other entities that control, are controlled by or are under common control with us), however all such affiliates are required to honor this policy with respect to any shared information.
We may disclose your personal information or any other information we hold to the extent we believe disclosure is necessary or advisable to comply with requirements of applicable law or regulation or governmental request or is otherwise permissible under applicable law. Examples of such disclosures may include disclosures made in compliance with subpoenas, other legal process, regulatory compliance, resolution of consumer disputes, cooperation with law enforcement, and protecting our rights, your safety, or the safety of others.