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Effective Date: 11/18/2003 Our Privacy Policy is designed to assist you - businesses, consumers and the general public - in understanding how we collect and use the personal information you provide to us, and to help you make informed decisions when using our web site and all of our related services therein. Contact Information If you have any questions or general comments about this privacy policy, please contact us at: info@ColoHealth.com Surface mailing address: ColoHealth What Information Do We Collect? We only collect information that you voluntarily provide, in order to present you with an instant health insurance quote, newsletter subscription, special reports, or other information you request from us. When visiting our web site, only you choose when to voluntarily provide us with personal information. We do not collect personal information in any deceptive ways. Personal Information You Choose to Provide Instant Quote Information When you run an instant quote, you must provide us with information about yourself. This information is needed in order to determine available plans and quotes for your individual situation. We may contact you occasionally via email to inform you about Health Savings Accounts. Email Information We find email is the best and easiest way to communicate with our customers, and we want to make the process as easy as possible. If you choose to correspond with us through email, we will not share your email address with any third party. Application Information All of your personal information on any application you submit with ColoHealth will only be shared with the insurance company of the plan for which you are applying. How Do We Use the Information You Provide to Us? Generally, we use personal information for purposes of managing and expanding our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. Choice/Opt-out All of our email correspondence will give you an option to Opt-out of future emailings at the bottom of the email. What Are Cookies? A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit many Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. We DO NOT use any Cookies on our Web site, and we would never try to store any files on your computer. How Do We Protect Your Information? Secure Information Transmissions The information you enter on our Web site is transmitted securely via Secure Sockets Layer SSL, 128 bit encryption services. Pages utilizing this technology will have URLs that start with HTTPS instead of HTTP. Please contact us if you have any questions or concerns. How Can You Access and Correct Your Information? You may request access to all your personally identifiable information that we collect online and maintain in our database by contacting us, see the above contact information. What About Other Web Sites Linked to Our Web Site? We are not responsible for the practices employed by Web sites linked too or from our Web site nor the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site. Please remember that when you use a link to go from our Web site to another Web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other Web site, including Web sites which have a link on our Web site, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding. Your Consent By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Web site to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. At any time you may request to view any and all changes and updates, via surface mail. Notification of Changes The Privacy Policy is subject to periodic review and change. In order to view the current Privacy Policy, simply check this section of the website. If we materially change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so users are aware of what information we collect, how it is used, and under what circumstances, if any, we disclose it. In some cases where we post a notice, we may also email users who have opted to receive communications from us, notifying them of the changes in our privacy practices. Refund and Delivery Policy Our No-Risk, 100% Satisfaction, Money-Back Guarantee Plus a Free Month's Premium We are so confident that doing business with ColoHealth will save you time, money, and frustration, that we offer this unheard-of guarantee. If you purchase a health insurance plan from ColoHealth and are not totally blown away by the service you receive from us before you apply, while your application is in the approval process, or up to 10 days after you receive your policy, you may cancel and receive a 100% refund. Delivery Method and Timing
Once you have scheduled your health insurance consultation, we will contact you by phone promptly at the scheduled appointment time, and take you through our seven step Total Needs Analysis in order to determine:
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