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 3. Humana Privacy Policy

 1. Back to Legal information


HUMANA PRIVACY POLICY



This Privacy Policy applies to the collection of Personal Information by Humana,
Inc. and our affiliated companies and subsidiaries (referred to herein as
“Humana,” “us,” or “we”). This Privacy Policy applies to Humana products,
communications, digital properties including websites, online platforms, and
mobile applications, that refer to this Privacy Policy, any offline interactions
that we may have with you, and where Humana may obtain and control your Personal
Information (as defined herein) from a third party (collectively, the
“Services”). This Privacy Policy describes how Humana collects and uses the
Personal Information. It also describes the choices available to you regarding
our use of your Personal Information and how you can access and update this
information.

This Privacy Policy does not apply to Protected Health Information or
information subject to the California Confidentiality of Medical Information Act
that may be collected by Humana in its capacity as health care provider or payor
(insurance company). Notices governing Humana’s processing of Protected Health
Information are available in our privacy practices.

We are committed to maintaining the highest level of confidentiality with all of
the information we receive from you. For purposes of this Privacy Policy, Humana
is a controller (i.e., responsible party) of your Personal Information including
when we, or service providers acting on our behalf, administer the Services. In
certain situations, we also administer the Services on behalf of our clients. In
those instances, Humana may act as a processor or service provider to such
clients, in which case the client’s privacy policy, if any, will apply. We are
not responsible for the privacy or data security practices of our business
client or other third parties, which may differ from those set forth in this
Privacy Policy.

Please read this Privacy Policy carefully. We want you to understand what
information we collect from you when you use our Services, how we use such
information, and whether and with whom we disclose such information. Using our
Services is voluntary, and by accessing or using the Services, you (i)
acknowledge that you have read and understand this Privacy Policy; and (ii)
agree that your access to and use of the Services are subject to this Privacy
Policy and related Terms of Use. We reserve the right to change the Privacy
Policy at any time. Please review the Privacy Policy periodically to be aware of
any modifications.




CALIFORNIA CONSUMER NOTICE OF COLLECTION

This Notice of Collection is provided to all California consumers subject to
this Privacy Policy. You can access specific topics in this Privacy Policy by
clicking on the relevant links below:

 * Categories of Personal Information We May Collect
 * Sources of Personal Information
 * Use of Your Personal Information
 * Data Retention
 * Cookies
 * Your Rights and Choices
 * Opt Out of the “Sale” or “Sharing” of Personal Information
 * Internal Security Procedures
 * Third Party Sites
 * Children’s Privacy
 * Privacy Policy Changes
 * Accessibility
 * Contact Us




CATEGORIES OF PERSONAL INFORMATION WE MAY COLLECT

Through your use of the website and the Services, we may collect your Personal
Information. Personal Information generally refers to any information that can
be linked to an identified or identifiable person. Please note that certain
information may not be personally identifiable when standing alone (e.g., your
age), but may become so when combined with other information (e.g., your age and
address). The term Personal Information also covers certain categories of
"sensitive" or "special" Personal Information that often receive additional
protections and/or are subject to additional restrictions under applicable laws.

The Personal Information that we may collect about you, or have collected about
you in the past 12 months, varies depending on the context of our interactions
with you. Personal Information collected from or about you falls into the
following categories:

Direct and Personal Identifiers: We may collect various Personal Information
that identifies you. This information includes your name, email, any user name
and password that you may provide, your address, your tax identification number
or social security number, unique identifiers (such as a mobile device ID) and
your email and other personal contact information.

Demographic Information: Under certain circumstances, we may collect Personal
Information regarding your gender, race, or other protected classification data.

Commercial Information: We may collect data regarding products that you use or
purchase of products or Services. This data may include information about
products or Services you considered utilizing through mobile applications,
application data, and pricing information. We collect information from you when
you provide us with feedback and we may collect information regarding your
receipt and interaction with emails and other messages that you receive from us.

Payment or Banking Information: Credit card number, name on credit card,
expiration date, security code, and billing address.

Electronic Network Activity: We collect information regarding your use of our
websites and mobile applications. This data includes but is not limited to
Internet Protocol address information, information obtained through weblogs
concerning you activity on our websites and application, mobile device
identifiers and other related metadata regarding use of our mobile applications.
We may collect information, including your browser type, operating system,
Internet Protocol (IP) address (a number that is automatically assigned to a
computer when the Internet is used), domain name, device ID, language
preferences, referring website, the length of time you are visiting our website,
and/or a date/time stamp for visitors. We may also collect such information in
relation to monitoring potential malicious code on our systems, such as through
the collection of metadata and traffic data, or portions or hashes (a file that
has been converted into a numerical string by a mathematical algorithm) of any
of the information listed here. For more information relating to the use of such
tools, review our “Cookies” section.

Geolocation Information: We may collect information about the location from
which you are accessing our mobile applications. For more information relating
to the use of such tools, review our “Cookies” section.

Audio, Visual or Other Information: We may collect your photograph or other
images identifying you through certain of our mobile applications. If you visit
one of our locations, or call our call center, we may record your image or
voice.

Inferences: We may develop inferences about you using the data set forth above.

Sensitive Personal Information: Of the information listed above, geolocation,
your Social Security or Driver’s License number, your login and password
information for certain Services, may also qualify as sensitive Personal
Information.

The provision of the sensitive Personal Information listed above is voluntary.
In certain instances, we will not be able to process your request for our
Services without the requested sensitive Personal Information.


SOURCES OF PERSONAL INFORMATION

We collect your Personal Information in the following ways, pursuant to
applicable law:

Directly From You, when you use our Services, register for an account, contact
us, respond to a survey, sign up to receive emails, text messages, and/or postal
mailings.

Through Our Use of Cookies and Other Automatic Data Collection Technologies,
when you visit our websites, use our mobile applications, open or click on
emails we send you, or interact with our advertisements. We or third parties we
work with automatically collect certain information using technologies such as
cookies, web beacons, clear GIF, pixels, internet tags, web server logs, and
other data collection tools. For more information, please see the “Cookies and
Similar Tracking Technologies” section below.

From Our Third Party Partners, including from third parties that we have
partnered with to provide you the Services that you have requested from us.

Other Sources, including data analytics providers or publicly available sources.




USE OF YOUR PERSONAL INFORMATION

We use your Personal Information and sensitive Personal Information for the
following business purposes (“Processing Purposes”) associated with our general
business operations. We may collect your Personal Information:

Providing our Services

 * To provide you the Services, including health insurance products, wellness
   products or providers, or health care.
 * To provide you non-insurance or health care products or services that may be
   of interest or at your request.
 * To process your payments and send notifications to you related to your
   account.
 * To enable you to access and use our websites and mobile applications.

Communicating With You

 * To communicate with you and to respond to your requests, questions, comments,
   and other inquiries.
 * To understand what partner resources you use, if any, and to connect you to
   additional resources at your request.
 * To offer you personalized advertisements, which you may be able to opt out of
   as explained in the “Your Choices” section.
 * To send marketing and promotional materials, including information relating
   to our products, Services, sales, or promotions or those of a third party.

Analytics and Administration of Website

 * To administer, maintain, evaluate, and improve our websites, mobile
   applications, and Services, and to develop new products and services.
 * To conduct research and analytics related to our websites and Services,
   including combining any or all of the information that we collect or obtain.

Core Business Functions

 * To manage our business operations, perform our obligations and exercise our
   rights under any agreement that you or your organization has with us.
 * For other purposes with your consent, or as otherwise permitted or required
   by applicable law.

Legal Obligations

 * We use Personal Information to comply with our legal or regulatory
   obligations, to establish or exercise our rights, and to defend against a
   legal claim.

Security and Fraud Prevention

 * We use Personal Information to detect, investigate, prevent, or take action
   regarding possible malicious, deceptive, fraudulent, or illegal activity,
   including fraudulent transactions, attempts to manipulate or violate our
   policies, procedures, and terms and conditions, security incidents, and harm
   to the rights, property, or safety of Humana and our users, customers,
   employees, or others.




USE OF YOUR SENSITIVE PERSONAL INFORMATION

With regard to sensitive Personal Information, we only use your sensitive
Personal Information to provide you with the requested products or services and
to administer your account. We do not disclose Sensitive Personal Information
for purposes other than those which cannot be limited under California law.

In addition to the purposes noted above, we generally collect and use your
Personal Information to fulfill our business operations and provide the
requested Services to you, such as processing or fulfilling claims, coordinating
benefits, and processing payments; managing administrative matters such as
invoicing, renewal, or to audit customer transactions; developing, maintaining,
provisioning, or upgrading networks, Services, or devices; and conducting
analytics to determine how to improve our Services and develop new ones. We may
de-identify and aggregate your Personal Information to conduct analytics and
improve our Services.




DISCLOSURES OF PERSONAL INFORMATION

We respect the importance of privacy. Generally, we may disclose the Personal
Information we collect to facilitate our communications with clients, to operate
our business, to advertise or promote our Services, or with your consent.

We may disclose each category of your Personal Information to the following
categories of third parties in the following ways:

 * Service Providers. We may disclose your Personal Information to authorized
   third parties who perform services for us (including cloud services, data
   storage, sales, human resources, and marketing). Our contracts with our
   service providers include commitments that they agree to limit their use of
   Personal Information and to comply with privacy and security standards at
   least as stringent as the terms of this Privacy Policy.
 * Affiliated Companies. We may disclose such Personal Information to
   subsidiaries, affiliates, or joint ventures as needed to provide our products
   and Services and generally as necessary in the administration of a global
   organization.
 * Corporate Transactions/Purchasers. We may disclose your Personal Information
   in connection with a proposed or actual corporate merger, acquisition,
   consolidation, sale of assets, bankruptcy, insolvency, or other corporate
   change.
 * Other Third Parties. We may disclose your Personal Information to legal,
   governmental, or judicial authorities, as instructed or required by those
   authorities or applicable laws, or in relation to a legal activity, such as
   in response to a subpoena or an investigation. We may also disclose such
   Personal Information if we believe disclosure is necessary to prevent
   physical, financial, or other harm, injury, or loss.
 * Conferences and Events. We disclose your Personal Information to our partners
   and affiliates when you register or attend a webinar or in-person event
   hosted or co-hosted by Humana. If required, we provide you with notice during
   event registration where your information may be disclosed with our partners,
   for instance, to confirm your attendance at a webinar or event, to confirm
   sessions attended, or to confirm products purchased.
 * De-identified Personal Information. We may disclose or use aggregated or
   de-identified data for any lawful purpose. De identified information is
   generally not considered to be Personal Information under applicable laws.
 * Other Disclosures With Your Consent. We may disclose your Personal
   Information with your consent to other unaffiliated third parties who are not
   described elsewhere in this Privacy Policy. For example, we may provide your
   Personal Information to healthcare providers and healthcare clearinghouse.
 * Other Disclosures Required by Law. We may disclose you Personal Information
   for legal reasons as we believe to be necessary or appropriate to: (a)
   satisfy any applicable law, legal process, or proper governmental request;
   (b) enforce any agreement we may have entered into with you or your
   organization, including investigating any violations or asserting remedies;
   (c) detect, prevent, or otherwise address fraud, security or technical
   issues; (d) protect against harm (whether tangible or intangible) to the
   rights, property, or safety of Humana, our users, or the public as required
   or permitted by law; and (e) establish or exercise our rights, defend against
   a legal claim, and investigate, prevent, or take action regarding possible
   illegal activities or a violation of our policies.




DATA RETENTION

The time periods for which we retain your Personal Information depend on the
purposes for which we use it and applicable law for the type of data and use.
Humana will keep your Personal Information for as long as you are a registered
customer or user of our Services or for as long as we have a valid business
purpose to do so and, thereafter, for no longer than is required or permitted by
law, as reflected in Humana’s internal Records Retention Policy.




COOKIES

Cookies are small text files that are placed on your computer or mobile device
when you visit a website. For purposes of this Privacy Policy, cookies also
include similar technologies, such as pixels, web beacons, and social network
plugins (collectively, “cookies”). Cookies help the website remember information
about your visit, which can make it easier to visit the website again and make
the site more useful to you. Some cookies are deleted once you close your
browser (session cookies), while other cookies are retained even after you close
your browser so that you can be recognized when you return to a website
(persistent cookies). More information about cookies and how they work is
available at allaboutcookies.




WHAT TYPE OF COOKIES DO WE USE?

Cookies on our website are generally divided into the following categories:


Print
TYPE OF COOKIES



Cookie Type
Description
Essential Cookies

Essential cookies are cookies that our website needs in order to function and
that enable you to move around and use the website and features. Without these
essential cookies, the website will not perform as smoothly for you as we would
like it to, and we may not be able to provide the website or certain services or
features you request. Examples of where these cookies are used include to
determine when you are signed in, to determine when your account has been
inactive, and for other troubleshooting and security purposes.

Analytics Cookies

Analytics cookies provide us with information regarding how visitors navigate
and interact with our website. Such cookies allow us to understand, for example,
more about how many visitors we have to our website, how many times they visit
us, and how many times a user viewed specific pages within our website. Among
other Analytics cookies, we use Google Analytics cookies for these purposes. For
more information about Google Analytics, please refer to “How Google Uses
Information From Sites or Apps that Use Our Services,” which can be found at How
Google uses information from sites or apps that use our services, or any other
URL Google may provide from time to time.

Advertising Cookies

Advertising cookies may be placed by us or third parties to enable third party
ad networks to recognize a unique cookie on your computer or mobile device. The
information that is collected and shared by these types of cookies may also be
linked to the device identifier of the device you are using to allow us to keep
track of all the websites you have visited that are associated with the ad
network. This information may be used for the purpose of targeting
advertisements on our website and third party sites based on those interests.




DO NOT TRACK AND COMMERCIALLY RECOGNIZED OPT OUT SIGNAL

Do Not Track (“DNT”) is a privacy preference that visitors can set in their web
browsers. When a visitor enables DNT, the browser sends a message to websites
requesting that they do not track the visitor. At this time, we do not
universally respond to these signals with all platforms that may collect data
about your visit.




YOUR RIGHTS AND CHOICES

Depending on where you are located, you may have additional rights, as detailed
below.

 * The right to access: You may have the right to obtain from us confirmation as
   to whether or not Personal Information concerning you is being processed,
   and, where that is the case, to request access to the Personal Information.
   This access to information includes the purposes of the processing, the
   categories of Personal Information concerned, and the recipients or
   categories of recipient to whom the Personal Information has been or will be
   disclosed, among other categories of information. However, this is not an
   absolute right and the interests of other individuals may restrict your right
   of access. You may have the right to obtain a copy of the Personal
   Information, subject to certain restrictions.
 * The right to correction: You may have the right to request that we correct
   any Personal Information about you that is inaccurate. Depending on the
   purpose of the processing, you also have the right to request that we
   complete the Personal Information we hold about you where you believe it is
   incomplete, including by means of providing a supplementary statement.
   * After completing the sign in process, website users have the option to
     change their password, email address, and security question and response.
     If the website user forgets or misplaces their password, Humana will use
     the security question and response to identify the website user and grant
     access to the website. To change personally identifiable information,
     registered members and patients must contact the appropriate Humana
     Customer Care representative listed on the Humana Customer Support.
 * The right to deletion: You may have the right to request that we erase your
   Personal Information, under certain conditions. However, because we keep
   track of past transactions, you cannot delete information associated with
   past transactions on the website. In addition, it may be impossible or
   disproportionately burdensome to completely delete your information.
 * The right to restrict processing: You may have the right to request that we
   restrict the processing of your Personal Information, under certain
   conditions. In such case, the data will be marked and may only be processed
   by us for certain purposes.
 * The right to data portability: You may have the right to request that we
   transfer the Personal Information we have collected about you to another
   organization, or directly to you, in a structured, commonly used, and
   machine-readable format, under certain conditions.
 * Opt Out of the “Sale” or “Sharing” of Personal Information: In certain
   circumstances, our use of cookies or other tracking technologies may be
   subject to an opt-out under applicable law. As such, you can opt out of our
   use of tracking technologies and cookies by contacting us below.
   * Humana does not have actual knowledge that it sells or shares the Personal
     Information of any individual under the age of 16.

Right to limit the use and disclosure of sensitive Personal Information: We will
only use sensitive or special Personal Information as needed for the purposes
for which it was collected. If this changes, we will notify you, and you may
have the right to restrict such additional uses.

We do not discriminate against individuals for the exercise of any of their
rights described in this Privacy Policy. However, Humana may require the use of
your Personal Information to provide access to the Services. Therefore, when you
exercise your deletion right, in particular, as well as other rights, you may
lose access to certain aspects of the Services that require your Personal
Information.




MARKETING CHOICES

Email

We may, from time to time, send you email regarding Humana’s products and
services. In addition, we may occasionally send you direct mail about products
and services that we think may be of interest to you. Only Humana (or agents
working on behalf of Humana) will send you emails and direct mailings. If you do
not wish to receive such emails, you may opt out of future emails by following
the directions at the bottom of each email. If you do not wish to receive such
mailings, we provide contact information on our mailings at which you can
request removal from our mailing list. Or, if you have a registered account, you
can easily edit your account information to specify that you no longer wish to
receive such emails and mailings.

Text Messages

When you opt in for our Text Message Service, we may also collect the
information you provide, including your telephone number(s), when you read a
text message, and information relevant to any request you make to opt out or
unsubscribe from receiving Text Messages. Website users who do not wish to
receive such notifications via email or SMS (text) can choose to opt out of
receiving such information. It is our policy that email and SMS (text) messages
will contain an "unsubscribe" and "STOP" function, along with instructions on
how to execute the opt-out function. Some website users may have the ability to
opt out of receiving email and SMS (text) messages by updating their
communications preferences within the secured area of the website.

Exercising Your Rights

To exercise your rights, or appeal a decision we have made regarding your
rights, please contact us as stated in the “Contact Us” section of this Privacy
Policy, or you may submit a request to us by either:

 * Emailing us at Privacyoffice@humana.com; or
 * Calling us at 1-866-861-2762

If you are a current or former California Humana employee, please reference our
Humana Employee Policy.

If you are a California applicant, please reference our Humana Applicant Policy
on Humana’s careers website at careers.humana.com.

If you choose to assert any of these rights under applicable law, we will
respond within the time period prescribed by applicable law. Please note that
many of the rights listed in the “Your Rights” section are subject to exceptions
and limitations. Further, we may request additional information to respond to or
fulfill any requests regarding your rights under applicable laws or regulations.
Your rights and our responses will vary based on your country or territory of
residency.

In certain jurisdictions, a person authorized to act on your behalf may make a
verifiable consumer request related to your Personal Information. If you
designate an authorized person to submit requests to exercise certain privacy
rights on your behalf, we will require verification that you provided the
authorized agent with such permission.

Your verifiable request must: (i) provide sufficient information (e.g., name,
address, phone number, and/or email address) that allows us to reasonably verify
that you are the person about whom we collected Personal Information or an
authorized representative; and (ii) describe your request with sufficient detail
that allows us to properly understand, evaluate, and respond to it. We will only
use Personal Information provided in a verifiable consumer request to verify the
requestor’s identity or authority to make the request.

Prior to complying with your request, we will need to verify your identity. Our
verification procedure may differ depending on whether you have a registered
account, the sensitivity of the Personal Information, and the risk of harm to
you by unauthorized disclosure or deletion as applicable. You may also be asked
to submit a signed declaration under penalty of perjury stating that you are the
individual whose Personal Information is the subject of the request.




INTERNAL SECURITY PROCEDURES

Information that you share on the website is kept strictly confidential and
fully secure. Your encrypted (encoded) sensitive information is protected using
"Secure Socket Layers (SSL)" as it passes between your browser and this website.
We follow generally accepted industry standards to protect the Personal
Information submitted to us, both during transmission and once we receive it.

No method of transmission over the internet, or method of electronic storage, is
100% secure. Therefore, while we strive to use commercially acceptable means to
protect your Personal Information, we cannot guarantee its absolute security.
Only authorized persons are permitted to access your Personal Information. All
authorized persons must abide by security, privacy, and confidentiality
agreements.




THIRD-PARTY SITES

We may also partner with third parties to provide links to third-party websites
to offer you additional information and services. You may see both the Humana
logo and the third party's logo on these third-party websites. Users of these
websites should be aware of who is collecting Personal Information and whose
Internet Privacy Statement applies before providing Personal Information. Humana
may not have control over third-party partners' use of your information. Please
consult each site’s privacy policy. We are not responsible for the policies or
practices of third parties.




CHILDREN’S PRIVACY

We do not knowingly collect, use, or disclose Personal Information about persons
under 13 years of age. Users under the age of 13 should not submit any Personal
Information to us. If you believe we have collected Personal Information from
your child in error or have questions or concerns about our practices relating
to children, please notify us using the details in the “Contact Us” section
below. We will take prompt steps to remove the Personal Information from our
systems.




PRIVACY POLICY CHANGES

This Privacy Policy is effective as of January 2023 and was last updated March
2023. This Privacy Policy is not intended to and does not create any contractual
or other legal rights with or on behalf of any party.

We reserve the right to modify, expand, or update this Privacy Policy at any
time as we deem appropriate to reflect those changes. When we make changes to
this Privacy Policy, we will post the updated Privacy Policy on the website and
update the Privacy Policy’s “last updated” date above. It is important that you
check back from time to time and make sure that you have reviewed the most
current version of this Privacy Policy. If you do not agree with the changes,
then you should stop using our website and Services and notify us that you do
not want your Personal Information used in accordance with the changes.




ACCESSIBILITY

We are committed to ensuring that our communications are accessible to people
with disabilities. To make accessibility-related requests or report barriers,
please see Humana Accessibility Resources.




CONTACT US

This website is maintained by Humana, 500 W. Main St., Louisville, KY 40202.
Questions concerning this website can be directed to the appropriate Humana
Customer Care representative listed on the Customer Support section of this
website.

You may also contact us by:

 * Emailing us at Privacyoffice@humana.com; or
 * Calling us at 1-866-861-2762

If you have an unresolved privacy or data use concern that we have not addressed
satisfactorily, please contact our U.S.-based third party dispute resolution
provider (free of charge)

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Humana
500 W. Main St.
Louisville, KY 40202



LEGAL INFORMATION

 * Privacy practices
 * Humana Privacy Policy
 * Disclaimer and licensure
 * Hospital provider notice
 * Special Investigation request to contact
 * Special Investigation request to contact – Spanish
 * Special Investigation referral form
 * Fraud, waste and abuse
 * Accessibility
 * Non-discrimination disclosure
 * Multi-language interpreter support
 * System requirements
 * Marketing practices
 * Protect yourself from healthcare scams



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© Humana 2023
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 * Site Map
 * Disclaimers & Licensure
 * Fraud, Waste & Abuse
 * Accessibility
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Last Updated: 06/01/2023



Your opt-out preference is confirmed.

We use cookies and other digital tools to operate our sites, perform analytics,
and for targeted advertising, which may be considered a “sale” or “sharing” of
personal information for cross-context behavioral advertising under applicable
privacy laws. To opt out of “sale” or “sharing” or targeted advertising through
the use of trackers on Humana Inc. sites (and/or Humana affiliates), please
access the “Your Privacy Choices” link in the footer on those sites.


YOUR PRIVACY CHOICES: MANAGE COOKIE PREFERENCES

We use cookies and other digital tools as is strictly necessary for our website
to function, to personalize your browsing experience, to perform analytics, and
for targeted advertising, which may be considered a “sale” or “sharing” of
personal information for cross-context behavioral advertising under the
California Privacy Rights Acts (CPRA). California residents have the right to
opt-out of the sale or sharing of your personal information for targeted
advertising. You can read more about your rights in our Privacy Policy.
Privacy Policy

STRICTLY NECESSARY COOKIES

Always active

A strictly necessary cookie is a type of cookie that is used by our website to
function properly, without which our website would not work. This type of cookie
does not track your browsing habits.

FUNCTIONAL COOKIES

Always active

A functional cookie is a type of cookie that helps us personalize your browsing
experience.

PERFORMANCE COOKIES

Always active

A performance cookie is a type of cookie that monitors our website’s performance
and collects data on how visitors use our website. These cookies provide
information to help improve how our website works.

TARGETING COOKIES

Targeting cookies

A targeting cookie is a type of cookie that is used to identify users between
different websites. Targeting cookies collect user information and use that
information to show personalized ads for that specific user. To opt out of this
sharing, select the toggle button. When you are opted out, the button will
change to gray. You will need to submit a separate request on each browser and
device that you use to visit our site. Please note that after you submit your
request, you may still see advertising that is designed for a general audience.

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