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PRIVACY POLICY

Effective Date: January 01, 2020
Thank you for registering at www.hioscar.com or on the Oscar mobile app
(together, the “Site”). At Oscar, it is our policy to protect your information.
We know that we have a lot of information about you and want to be sure that we
use it the right way. Please read the following to learn more about our Privacy
Policy.
By using or accessing the Services in any manner, regardless of whether you
register or create an Account through the Services, you acknowledge that you
accept the practices and policies outlined in this Privacy Policy, and you
hereby consent that we will collect, use, and share your information in the
following ways.
Remember that your use of Oscar’s Services is at all times subject to the Terms
of Service, which incorporates this Privacy Policy. Any terms we use in this
Privacy Policy without defining them have the definitions given to them in the
Terms of Service.


WHAT DOES THIS PRIVACY POLICY COVER?

This Privacy Policy covers our treatment of personally identifiable information
(“Personal Information”) that we gather when you are accessing or using our
Services, and to the treatment of personally identifiable information by our
telemedicine partners, Oscar Medical Group, P.A., but not to the practices of
other companies we don’t own or control, or people that we don’t manage. We
gather various types of Personal Information from our users, as explained in
more detail below, and we use this Personal Information in connection with our
Services. In certain cases, we may also share some Personal Information with
third parties, but only as described below.


HOW DO WE COLLECT AND USE PERSONAL INFORMATION?

We receive and store any information you knowingly provide to us. For example,
when you enroll in one of our plans, you (or the applicable state or federal
exchange, depending on how you enroll) provide us with some information about
you, including your name, address, social security number, age, annual household
income and if applicable, names and ages of your immediate family members. When
you activate your Account or register on the Site, the information that we
collect will be used to associate your Account with your plan enrollment
information. Each member uses a unique username to access their Account
information through www.hioscar.com or the Oscar mobile application; only you
should use your username and the password you choose to log into your Account.
Do not give this username and password to others. Oscar also maintains data that
has been provided to us or uploaded to Oscar by you, our member, as well as our
“Business Associates” (those vendors who perform work on our behalf for the
purpose of payment, treatment, or healthcare operations - and who have written
agreements with us that specifically indicate how they will protect your
information). We maintain claims information, information about prior
authorizations that you requested and any other information needed to provide
you with the healthcare services that you need. In some cases, we may request
additional consent from you if we think that there is other information that
will help us better coordinate your care or better personalize it towards your
needs.
If you have provided your contact information to us, we may store and use that
information to contact you for marketing and promotional purposes by various
means, including regular mail, email, telephone, including voicemail, or SMS/MMS
(text message). You may receive messages about wellness programs or other
programs sponsored by Oscar or its Business Associates. You can recognize when
an affiliated business is associated with such a transaction or service, and we
will share your Personal Information with that affiliated business only to the
extent that it is related to such transaction or service. We have no control
over the policies and practices of third party websites or businesses as to
privacy or anything else, so if you choose to take part in any program or
service relating to a Business Associate or affiliated business of ours, please
review all such businesses’ or websites’ policies. We may receive a confirmation
when you open an email from us. This confirmation helps us make our
communications with you more interesting and improve our services. To the extent
permitted by law, and if you have provided your contact information to us, we
may store and use that information to contact you about your care and benefits
by various means, including regular mail, email, telephone including voicemail,
or SMS/MMS (text message). By voluntarily opting to have text messages sent
directly to your mobile phone you agree to our Text Messaging Terms and
Conditions. We may also use your information to notify you about payment
information and/or to communicate with you about your Account. You will have the
ability to opt out of any marketing or advertising communications, but we may
still send you communications relating to your Account for purposes important to
the Services, such as password recovery or a payment reminder.
If you choose to use a bank account to make payments through the Services, we
collect and store your bank account information. If you use a payment card to
make payments through the Services, that information is collected and stored by
our third party payment processing companies (the “Payment Processors”) which is
currently USAePay, a service of Vericheck, and use and storage of that
information is governed by the Payment Processor’s applicable terms of service
and privacy policy. However, we may from time to time request and receive some
of your financial information from our Payment Processor for the purposes of
completing transactions you have initiated through the Services, enrolling you
in discount, rebate, and other programs in which you elect to participate,
protecting against or identifying possible fraudulent transactions, and
otherwise as needed to manage our business.


OTHER INFORMATION; “COOKIES” AND “TAGS”

You should also be aware that when you use our Services, we collect certain
“usage data,” such as the number of visitors we receive or what pages are
visited most often. This data helps us to analyze and improve the usefulness of
the information of our Services.
We may also collect, or receive from third parties, information based on your IP
address that provides us your geolocation data in order to identify relevant
markets for users down to a ZIP code level of detail and to provide a better
mobile experience. We do not store, sell, disclose or use this data to serve
advertisements.
Like most commercial website owners, we may use what is known as “cookie”
technology. A “cookie” is an element of data that a website can send to your
browser when you link to that website. It is not a computer program and has no
ability to read data residing on your computer or instruct it to perform any
step or function. By assigning a unique data element to each visitor, the
website is able to recognize repeat users, track usage patterns and better serve
you when you return to that site. Our cookies do not extract other personal
information about you, such as your name or address. You may be able to change
the preferences on your browser or device to prevent or limit your device’s
acceptance of cookies, but this may prevent you from taking advantage of some of
our features. We may also use what is known as “client-side page tagging,” which
uses code on each page to write certain information about the page and the
visitor to a log when a page is rendered by your web browser. This technique is
also commonly used on commercial websites. “Tagging” does result in a JavaScript
program running on your computer, but it is limited to providing information
about the page that you are requesting and the configuration of your browser. It
will not read any of your data files, or execute any additional programs. It
does not extract any personal information about you, such as your name or
address. You can prevent tagging by disabling JavaScript in your browser, but
that may prevent you from using all of our Site’s functions. Because there is
not yet a common understanding of how to interpret the “Do Not Track” signal, we
do not currently respond to browser “Do Not Track” signals.


HOW DO WE SHARE PERSONAL INFORMATION?

We do not rent or sell your Personal Information in personally identifiable form
to anyone. We may share your Personal Information with third parties as
described in this section.
Oscar will not sell, license, transmit or disclose outside of Oscar the
information you provide to us unless (a) expressly authorized by you, (b)
necessary to enable our Business Associates to perform certain functions for us,
or (c) required or permitted by law. In all cases, we will disclose the
information consistent with applicable laws and regulations and we will require
the recipient to protect the information and use it only for the purpose it was
provided and as necessary to assist us. Oscar takes the Health Insurance
Portability and Accountability Act of 1996 (HIPAA) seriously and provides
appropriate safeguards to your protected health information (PHI) – this may
include your name, address, social security number, email address, telephone
number and certain claims data.
We may de-identify your Personal Information in accordance with applicable state
and federal law, and provide that information to our partners. We may also
provide aggregate usage information to our partners (or allow partners to
collect that information from you), who may use such information to understand
how often and in what ways people use our Services, so that they, too, can
provide you with an optimal online experience. We disclose usage data for our
non-member portal site to partners who may provide you with additional
information on Oscar products and services.
We may choose to buy or sell assets, and may share and/or transfer customer
information in connection with the evaluation of and entry into such
transactions. Also, if we (or our assets) are acquired, or if we go out of
business, enter bankruptcy, or go through some other change of control, Personal
Information could be one of the assets transferred to or acquired by a third
party.
We may retain your information as needed for business purposes. Notwithstanding
any provision to the contrary, we will retain, access, use and disclose your
information as we believe is necessary to comply with our legal obligations,
resolve disputes, enforce our Terms of Service and other agreements, or to
protect the rights, property or safety of Oscar, our employees, our users or
others. For more information about our privacy practices, including what
information is provided to our Business Associates for payment, treatment and
healthcare operations purposes, please see our Notice of Privacy Practices.


CHILDREN UNDER 18

Our Site and Services are not intended to be used by children under 18 years
old. You represent and warrant that you are at least 18 years of age. If you are
under age 18, you may not use the Site or Services. We do not knowingly collect
Personal Information from, or target our Site or Services to, children under the
age 18. We understand that there may be exceptions to this rule including, but
not limited to, children who are emancipated. If we discover that the Site is
being used inappropriately, we may disable the user ID so that the individual
may no longer access our Site.


YOUR EMAIL

We welcome your comments or questions about our Site and Services. You can email
your comments to our customer service center at help@hioscar.com. We will share
your comments and questions with our customer service representatives and those
employees most capable of addressing your questions and concerns. Please note
that your email, like all non-encrypted Internet email communications, may be
accessed and viewed by other Internet users, without your knowledge and
permission, while in transit to us. For that reason, to protect your privacy,
please do not use email to communicate information to us that you consider
confidential. If you wish, you may contact us instead by telephone at
1-855-672-2755.


HOW CAN YOU STOP RECEIVING EMAILS?

Each marketing email we send to you contains an unsubscribe link through which
you may easily opt-out of receiving future commercial emails from us. If you do
not wish to receive additional commercial emails from Oscar, simply click the
unsubscribe link and follow the instructions to unsubscribe your email address.
If you have unsubscribed but continue to receive email from us or from one of
our customers, you may report this to us by calling 1-855-672-2755. Please note
that unsubscribe requests may take up to 7 - 10 days to process. You will have
the ability to opt out of any marketing or advertising communications, but we
may still send you communications relating to your Account for purposes
important to the Services, such as password recovery or a payment reminder.


LINKING TO OTHER SITES

From time to time, Oscar may provide links to other websites that we think might
be useful or interesting – these are not owned or controlled by Oscar and may be
subject to separate terms and conditions and privacy policies. While we try to
be proactive and ensure that appropriate protections are in place, we cannot be
responsible for the privacy practices used by other website owners or the
content or accuracy of those other websites. Links to various non-Oscar websites
do not constitute or imply endorsement by Oscar of these websites, any products
or services described on these sites, or of any other material contained in
them.


SECURITY

Oscar has adopted and adheres to stringent security standards designed to
protect non-public personal information at hioscar.com against accidental or
unauthorized access or disclosure. Among the safeguards that Oscar has developed
for this Site are administrative, physical and technical barriers that together
form a protective firewall around the information stored at this Site. We are
committed to being HIPAA compliant and ensuring that our Business Associates
meet the same standards. We periodically subject our Site to simulated intrusion
tests and have developed comprehensive disaster recovery plans. We also review
Business Associates privacy and security policies on a regular basis.
For registered users, your Account is protected by a password for your privacy
and security. You must prevent unauthorized access to your Account and Personal
Information by selecting and protecting your password and/or other sign-on
mechanism appropriately and limiting access to your computer or device and
browser. We endeavor to protect the privacy of your Account and other Personal
Information we hold in our records, but unfortunately, we cannot guarantee
complete security. Unauthorized entry or use, hardware or software failure, and
other factors, may compromise the security of user information at any time.


WHAT PERSONAL INFORMATION CAN I ACCESS?

In some cases, registered users will be able to change their password and update
the information that they provide to us, such as address, contact information
and health information, by going to the settings page of their Account at
hioscar.com; in other cases, registered users may need to contact the
appropriate state or federal health insurance exchange to update their
information. Registered and unregistered users can access and delete cookies
through their web browser settings.
The information you can view, update, and delete may change as the Services
change. If you have any questions about viewing or updating information we have
on file about you, please contact us at 1-855-672-2755.


WHAT CHOICES DO I HAVE?

You can use certain features of the Services without registering, thereby
limiting the types of information that we collect. You can always opt not to
disclose information to us, but keep in mind some information may be needed to
register with us or to take advantage of some of our features.
If you have registered for the Services, you may be able to add, update, or
delete information in your Account as explained above. When you update
information, however, we may maintain a copy of the unrevised information in our
records. You may request deletion of your Account by calling us at
1-855-672-2755. Some or all of your information may remain in our records after
your deletion of such information from your Account. We may use any aggregated
data derived from or incorporating your Personal Information after you update or
delete your Account, but not in a manner that would identify you personally.


CHANGES TO THIS PRIVACY POLICY

Oscar may change this Privacy Policy from time to time. When updates are made,
the Privacy Policy version date will also be updated to reflect that a revision
occurred. Your use of our Site and/or Services after such revisions are first
posted will mean you acknowledge and agree to be bound by those revisions. We
encourage you to periodically reread this Privacy Policy to see if there have
been any changes that may affect you. This Privacy Policy is not intended to and
does not create any contractual or other legal rights in or on behalf of any
party.


CONTACT US

Call Member Services at 1-855-672-2755


CALIFORNIA RESIDENTS

This portion of the Privacy Notice applies to individuals who are California
residents, and is adopted to conform with the California Consumer Protection Act
of 2018 (CCPA). Any terms defined in the CCPA have the same meaning when used
herein.
The CCPA does not apply to “protected health information” under HIPAA; “medical
information” under the California Confidentiality of Medical Information Act
(CMIA); nonpublic “personal information” under the Fair Credit Reporting Act
(FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information
Privacy Act (CalFIPA); de-identified or aggregated information; or publicly
available information. This portion of the Privacy Notice applies only to
information included in the CCPA’s scope.
Information We Collect This section describes the categories of information we
have collected from consumers in the past 12 months, and examples of such
information.

Category of InformationExamplesBusiness Purpose for CollectionIdentifiersReal
name, alias, postal address, unique personal identifier, online identifier,
internet protocol address, email address, account name, social security number,
driver’s license number, passport number, or other similar identifiersTo fulfill
or meet the reason you provided the information; Account maintenance purposes;
To improve or enhance our Services and SitePersonal Information per categories
listed in the California Customer Records statute (Cal. Civ. Code §
1798.80(e))Name, signature, social security number, physical characteristics or
description, address, telephone number, passport number, driver’s license or
state identification card number, insurance policy number, education,
employment, employment history, bank account number, credit card number, debit
card number, or any other financial information, medical information, or health
insurance information.To fulfill or meet the reason you provided the
information; Account maintenance purposes; To improve or enhance our Services
and SiteProtected classification characteristics under California or federal
lawRace, religious creed, color, national origin, ancestry, physical disability,
mental disability, medical condition, genetic information, marital status, sex,
gender, gender identity, gender expression, age, sexual orientation, or military
and veteran status.To improve or enhance our Services and SiteInternet or other
similar network activityBrowsing history, search history, and information
regarding a consumer’s interaction with an internet website, application, or
advertisement.To fulfill or meet the reason you provided the information; To
improve or enhance our Services and SiteProfessional or employment-related
informationCurrent or past job history or performance evaluations.To fulfill or
meet the reason you provided the information

Disclosure of Information: In the past 12 months, we have disclosed the
following categories of information to third parties for business purposes:
Identifiers; Personal Information per categories listed in the California
Customer Records statute (Cal. Civ. Code § 1798.80(e)); Protected classification
characteristics under California or federal law; Internet or other similar
network activity; and Professional or employment-related information.
Sale of Information: In the past 12 months, we have not sold any information to
third parties.
Rights Under the CCPA Right to Access Information: After receiving a verifiable
consumer request, we will provide the requestor the personal information we have
about the individual. If the request is not verifiable, we will provider
categories of the information we have about the individual.
Right to Delete Information: After receiving a verifiable request, we will
delete personal information we have about the individual, unless a CCPA
exception applies.
Right to Opt Out of the Sale of Information: You have a right to opt out of the
sale of information to third parties. We do not sell personal information to
third parties.
Non-Discrimination: We will not discriminate against you for exerising your
rights under the CCPA.
To exercise your rights under the CCPA, please call 1-855-672-2755 or visit CCPA
request. We will use the information you provide in your request to verify your
identity. You must provide certain information when requesting to access or to
delete personal information, including: your name, date of birth, email, phone
number, and address.
You may designate an authorized agent to make your request to exercise your
rights. For more information on authorized agents under the CCPA, please visit
the California Attorney General’s website at: https://oag.ca.gov/..
Fees may apply when permitted by law.
Other California Rights Under California Civil Code Sections 1798.83-1798.84,
California residents are entitled to ask us for a notice identifying the
categories of Personal Information which we share with our affiliates and/or
third parties for marketing purposes, and providing contact information for such
affiliates and/or third parties. If you are a California resident and would like
a copy of this notice, please submit a written request to compliance@hioscar.com
Contact Us Please call 1-855-672-2755 or email compliance@hioscar.com with any
questions or concerns.

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Questions about our plans?
Call us Monday - Friday 9am - 8pm ET
For Individual & Family plans, 1-855-672-2788
For Medicare plans, 1-855-672-2710 (TTY: 711)
For Small Group plans, 1-855-672-2784
TTY: 711
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*The Silver&Fit program is provided by American Specialty Health Fitness, Inc.,
a subsidiary of American Specialty Health Incorporated (ASH). Silver&Fit is a
registered trademark of ASH and used with permission herein. Other names or
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Last Updated: 10/01/2021
H5126_H7322_H8961_MKTSEP21072_2022
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