Privacy Policy

CrowdHealth, Inc. (“CrowdHealth,” “we,” “our,” and/or “us”) values the privacy of individuals who use our website at https://www.joincrowdhealth.com (the “Site”).  This privacy policy (the “Privacy Policy”) explains how we collect, use, and share personal information from or about the users of the Site.  By using the Site, you agree to the collection, use, and disclosure of your personal information as described in this Privacy Policy.  Beyond the Privacy Policy, your use of the Site is also subject to our Terms of Service.

Information We Collect

We may collect a variety of personal information from or about you or your devices from various sources, as described below.

A. Information You Provide to Us

CrowdHealth Membership

When you enroll for a CrowdHealth membership through our Site, we ask for your personal information, including your first and last name, email address, phone number, date of birth, zip code, employment status, sex, height, weight, tobacco usage, your perceived health status, current health coverage status, whether you have any preexisting medical conditions, and whether you are pregnant.  If you enroll members of your family, we will ask you for the above information for each family member you enroll.

Communications

If you contact us directly, we may receive personal information about you.  For example, when you contact us for more information about CrowdHealth or our services, we will receive your first and last name, email address, the contents of your message, and any additional information you choose to provide.  If you sign up for our newsletter, we will ask you for your first and last name and email address.

Careers

If you apply for a job with us through a third-party platform (such as Indeed),we will collect the personal information you make available to us through thatthird-party platform.

Making a Payment

When you make a payment through our Site, your payment card information or bank account information, billing information, and any other financial information necessary to complete your payment (“Payment Information”) is processed by our third-party payment partners and we do not collect, store, or process your Payment Information.  For more information, please see the “Payment Partners” section below.

B. Information We Collect When You Use the Site

Location Information

When you use the Site, we may infer your general location information (for example, your IP address may indicate your general geographic region).

Device Information

We receive information about the device and software you use to access the Site, such as your internet protocol (IP) address, web browser type, operating system version, and device identifiers.

Usage Information

To help us understand how you use the Site and to help us improve it, we automatically receive information about your interactions with the Site, like the pages or other content you view, how you interact with our Site, and the dates and times of your visits.

Information from Cookies and Similar Technologies

We and third-party partners collect information using cookies, pixel tags, or similar technologies.  Our third-party partners, such as analytics partners, may use these technologies to collect information about your online activities over time and across different services.  Cookies are small text files containing a string of alphanumeric characters.  We may use both session cookies and persistent cookies.  A session cookie disappears after you close your browser.  A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Site.

Please review your web browser’s “Help” file to learn the proper way to modify your cookie settings.  Please note that if you delete or choose not to accept cookies from the Site, you may not be able to utilize the features of the Site to its fullest potential.

C. Payment Partners

When you make purchases through our Site, your payment is processed by our third-party payment partners such as Stripe and Plaid (“Payment Partner”).  This Payment Partner may collect personal information from you, including your name, email address, and billing address.  The use of your personal information by the Payment Partner is governed by its terms and conditions and privacy policy, and personal information we receive about you from our Payment Partner is governed by this Privacy Policy.

D. Information We Receive from Third Parties

We may receive additional personal information about you from third parties such as data or marketing partners and combine it with other personal information we have about you.

How We Use The Information We Collect

We use the personal information we collect:
● To provide, maintain, improve, and enhance the Site and our related products and services;
● To process your payments;
● To communicate with you, provide you with updates and other information relating to the Site, provide information that you request, respond to comments and questions, and otherwise provide support;
● To find and prevent fraud, and respond to trust and safety issues that may arise;
● For compliance purposes, including enforcing our Terms of Service and other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency; and
● For other purposes for which we provide specific notice at the time the personal information is collected.

How We Share The Information We Collect

We do not share or otherwise disclose personal information we collect from you except as described below or otherwise disclosed to you at the time of the collection.

Vendors and Service Providers

We may share any personal information we receive with vendors and service providers retained in connection with the provision of the Site.

Marketing

We do not rent, sell, or share personal information about you with nonaffiliated companies for their direct marketing purposes unless we have your permission.

Analytics Partners

We use analytics services such as Google Analytics to collect and process certain analytics data.  These services may also collect information about your use of other websites, apps, and online resources.  You can learn about Google’s practices by going here and opt out of them by downloading the Google Analytics Opt-out Browser Add-on, available here.

As Required by Law and Similar Disclosures

We may access, preserve, and disclose your personal information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety.  For the avoidance of doubt, the disclosure of your personal information may occur if you post any objectionable content on or through the Site.

Merger, Sale, or Other Asset Transfers

We may disclose and transfer your personal information to service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell, liquidate, or transfer all or a portion of our business or assets.

Consent

We may also disclose personal information from or about you or your devices with your permission.

Your Choices

Do Not Track

There is no accepted standard on how to respond to Do Not Track signals, and we do not respond to such signals. If you choose not to provide us with the information we collect, some features of the Site may not work as intended.

Third Parties

The Site may contain links to other websites, products, or services that we do not own or operate.  We are not responsible for the privacy practices of these third parties.  Please be aware that this Privacy Policy does not apply to your activities on these third-party services or any personal information you disclose to these third parties.  We encourage you to read the privacy policies of these third parties before providing any personal information to them.

Security

We make reasonable efforts to protect your personal information by using physical and electronic safeguards designed to improve the security of the personal information we maintain.  However, as no electronic transmission or storage of personal information can be entirely secure, we can make no guarantees as to the security or privacy of your personal information.

Children's Privacy

We do not knowingly collect, maintain, or use personal information from children under 13 years of age, and no parts of the Site are directed to children.  If you learn that a child has provided us with personal information in violation of this Privacy Policy, please alert us at privacy@joincrowdhealth.com.

International Visitors

The Site is hosted in the United States (“U.S.”) and intended for visitors located within the U.S.  If you choose to use the Site from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring your personal information outside of those regions to the U.S. for storage and processing.  Also, we may transfer your data from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Site.  By providing any information, including personal information, on or to the Site, you consent to such transfer, storage, and processing.

Changes To This Privacy Policy

We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective when it is posted.  If we materially change the ways in which we use or share personal information previously collected from you through the Site, we will attempt to notify you through the Site, by email, or by other means.

Contact Information

If you have any questions, comments, or concerns about our processing activities, please email us at privacy@joincrowdhealth.com or write to us at:

CrowdHealth, Inc.
c/o Privacy Officer
3267 Bee Caves Rd.
Ste. 107-250
Austin, TX 78746
United States

Specifics on What We May Collect from You

Category of Personal Information

Collected and required to provide our services

Sold to third party (we will never do that)

We may send it to one of our service providers

Images, audio and video recordings




Bank account number

Claim payments


Secure payment processing

Biometric information (such as voice and handwriting recognition)




Characteristics of protected classifications (e.g., age, gender, race, ethnicity, physical or mental handicap, etc.)

Age, gender


Analytics providers

Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)




Credit card number



Secure payment processing

Debit card number



Secure payment processing

Driver’s License Number /State ID

Only for Term Life applications, and rarely during claims


Authentication

Education




Electronic network activity(e.g., browsing history)

Only on our website / apps


Analytics providers

Email address




Employment

Rarely during claims


Authentication

Employment history

During claims


Claim support services

Geolocation data



Analytics providers

Health insurance information

Rarely during claims



Identifiers (e.g., name or alias)



Claim support services

Insurance Policy Number



Claim support services

Medical information

Only for Term Life applications, and rarely during claims


Claim support services

National origin, citizenship, immigration status

Term Life Only



Online identifier (e.g. IP address)



Analytics providers

Other financial information

Sometimes during claims



Passport Number

Rarely during claims



Physical Characteristics

Term Life Only



Postal address




Signature




Social Security Number

We may ask for it sometimes, mostly the last 4 digits.


Claim support services and insurance background check

Telephone Number



Claim support services

Transaction information



Payments processors