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 2. Privacy

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    * Privacy - Golden Rule




PRIVACY

 * HIPAA Notice of Privacy Practices
 * Website Privacy Policy
 * Social Security Number Protection Policy


HIPAA NOTICE OF PRIVACY PRACTICES

To read more about our privacy practices regarding health and medical
information under the Health Insurance Portability and Accountability Act
(“HIPAA”), visit our HIPAA Notice of Privacy Practices (pdf).


WEBSITE PRIVACY POLICY


INTRODUCTION

We recognize that the privacy of your personal information is important. The
purpose of this policy is to let you know how we handle the information
collected through the use of this website. Portions of this website may describe
privacy practices applicable to specific types of information or to information
provided on specific web pages.

This policy does not apply to information collected through other means such as
by telephone or in person, although that information may be protected by other
privacy policies. As used in this policy, terms such as “we,” “us,” “our,” and
“Company” refer to UnitedHealthcare and its current and future affiliated
entities, including our parent company UnitedHealth Group.

This website is intended for a United States audience. Any information you
provide, including any personal information, will be transferred to and
processed by a computer server located within the United States.


COOKIES AND TRACKING

The Company may use various technologies, including cookies, tokens, tags, web
logs, web beacons, scripts, and web server logs to gather automatically
collected information and may aggregate this information from our website
visitors or to enable certain features of our website. This information may
include demographic data, technical information about the technology (e.g.,
phone, computer) used to connect to our website, web browser information, your
IP address, and browsing behavior such as pages visited and how often they are
visited (“Activity Information”). We may also use third-party analytics
companies to provide these services.

We may also allow third-party service providers to use cookies and other
technologies to collect information and to track browsing activity over time and
across third-party websites such as web browsers used to read our websites,
which websites are referring traffic or linking to our websites, and to deliver
targeted advertisements to you. We do not control these third-party technologies
and their use is governed by the privacy policies of third parties using such
technologies. For more information about third-party advertising networks and
similar entities that use these technologies, see www.aboutads.info/consumers,
and to opt out of such ad networks’ and services’ advertising practices, go to
www.aboutads.info/choices and www.networkadvertising.org/choices. Once you click
the link, you may choose to opt out of such advertising from all participating
advertising companies or only advertising provided by specific advertising
companies. Please note that to the extent advertising technology is integrated
into our website, you may still receive advertisements even if you opt out of
tailored advertising. In that case, the ads will just not be tailored. Also, we
do not control any of the above opt-out links and are not responsible for any
choices you make using these mechanisms or the continued availability or
accuracy of these mechanisms.

Activity Information is captured using various technologies and may include
cookies. “Cookies” are small text files that may be placed on your computer when
you visit an Online Service or click on a URL. Cookies may include
“single-session cookies” which generally record information during only a single
visit to a website and then are erased, and “persistent” cookies which are
generally stored on a computer unless or until they are deleted or are set to
expire. You may disable cookies and similar items by adjusting your browser
preferences at any time; however, this may limit your ability to take advantage
of all the features on our website. In addition, you may also have additional
means to manage the collection of Activity Information by:

 * Managing the use of "flash" technologies with the Flash management tools
   available at Adobe’s website;
 * Clicking on the available "Opt-Out" link at the bottom of the applicable home
   web page;
 * Visiting Google to "Opt-Out" of display advertising or customize Google
   display network ads; and/or
 * Clicking on the SessionCam "Opt-Out" link.

Please note that we do not currently respond to web browser “Do Not Track”
signals that provide a method to opt out of the collection of information about
online activities over time and across third-party websites or our website
because, among other reasons, there is no common definition of such signals and
no industry-accepted standards for how such signals should be interpreted.

We gather Activity Information about you in order to improve the quality of our
services, such as the best method and time to contact you. Without limiting the
other ways in which we may use Information as described herein, we may otherwise
use and disclose your Activity Information unless restricted by this Policy or
by law. Some examples of the ways we use your Activity Information include:

 * Customizing your experiences, including managing and recording your
   preferences;
 * Authenticating your account information;
 * Marketing, product development, and research purposes;
 * Tracking resources and data accessed on our website;
 * Developing reports regarding website usage, activity, and statistics;
 * Assisting users experiencing problems with our services;
 * Updating and servicing our website;
 * Enabling certain functions and tools on the website; and
 * Tracking paths of visitors to our website and within our website.

As described above, we may use tracking technologies that allow us to recognize
your device when you return to our website within a period of time, as
determined by us, and to support automatic login to your website. To maintain
your privacy, you should affirmatively log out of your account prior to your
session ending (whether you end your session or we end your session, for example
if our website has "timed out" – i.e. we have ended your session automatically
after a period of inactivity as determined by us in our sole discretion). Unless
you affirmatively log out of your account, you may be automatically logged back
in the next time you, or any user of your devices visits our website.


YOUR PERSONAL INFORMATION

This website may include web pages that give you the opportunity to provide us
with personal information about yourself. You do not have to provide us with
personal information if you do not want to; however, that may limit your ability
to use certain functions of this website or to request certain services or
information. We may use personal information for a number of purposes such as:

 * To respond to an email or particular request from you.
 * To personalize the website for you.
 * To process an application as requested by you.
 * To administer surveys and promotions.
 * To provide you with information that we believe may be useful to you, such as
   information about health products or services provided by us or other
   businesses.
 * To perform analytics and to improve our products, websites, and advertising.
 * To comply with applicable laws, regulations, and legal process.
 * To protect someone's health, safety, or welfare.
 * To protect our rights, the rights of affiliates or related third parties, or
   take appropriate legal action, such as to enforce our Terms of Use.
 * To keep a record of our transactions and communications.
 * As otherwise necessary or useful for us to conduct our business, so long as
   such use is permitted by law.

We may use personal information to contact you through any contact information
you provide through this website, including any email address, telephone number,
cell phone number, text message number, or fax number. Please see the section
below titled "Our Online Communications Practices."

We may also share personal information within the Company, and we may combine
personal information that you provide us through this website with other
information we have received from you, whether online or offline, or from other
sources such as from our vendors. For example, if you have purchased a product
or service from us, we may combine personal information you provide through this
website with information regarding your receipt of the product or service.


SHARING PERSONAL INFORMATION

We will only share your personal information with third parties as outlined in
this policy and as otherwise permitted by law.

We may share personal information if all or part of the Company is sold, merged,
dissolved, acquired, or in a similar transaction.

We may share personal information in response to a court order, subpoena, search
warrant, law or regulation. We may cooperate with law enforcement authorities in
investigating and prosecuting activities that are illegal, violate our rules, or
may be harmful to other visitors.

If you submit information or a posting to a chat room, bulletin board, or
similar “chat” related portion of this website, the information you submit along
with your screen name will be visible to all visitors, and such visitors may
share with others. Therefore, please be thoughtful in what you write and
understand that this information may become public.

We may also share personal information with other third-party companies that we
collaborate with or hire to perform services on our behalf. For example, we may
hire a company to help us send and manage email, and we might provide the
company with your email address and certain other information in order for them
to send you an email message on our behalf. Similarly, we may hire companies to
host or operate some of our websites and related computers and software
applications.

This website may permit you to view your visitor profile and related personal
information and to request changes to such information. If this function is
available, we will include a link on this website with a heading such as “My
Profile” or similar words. Clicking on the link will take you to a page through
which you may review your visitor profile and related personal information.


WEBSITE AND INFORMATION SECURITY

We maintain reasonable administrative, technical and physical safeguards
designed to protect the information that you provide on this website. However,
no security system is impenetrable and we cannot guarantee the security of our
website, nor can we guarantee that the information you supply will not be
intercepted while being transmitted to us over the Internet, and we are not
liable for the illegal acts of third parties such as criminal hackers.


OUR ONLINE COMMUNICATION PRACTICES

We may send electronic newsletters, notification of account status, and other
communications, such as marketing communications, on a periodic basis to various
individuals and organizations. We may also send email communications regarding
topics such as general health benefits, website updates, health conditions, and
general health topics. We offer you appropriate consent mechanisms, such as
opt-out, for marketing and certain other communications. As examples, you may
opt out as provided for in a specific email communication or contact us as
described below in the section “Contact Us.” Please be aware that opt-outs may
not apply to certain types of communications, such as account status, website
updates, or other communications.


INFORMATION FOR CHILDREN UNDER 13

We will not intentionally collect any personal information from children under
the age of 13 through this website without receiving parental consent. If you
think that we have collected personal information from a child under the age of
13 through this website, please contact us.


CONTACT US

To contact us regarding this policy and our related privacy practices, please
contact us at:

UnitedHealthcare
Customer Service - Privacy Unit
PO Box 740815
Atlanta, GA 30374-0815

If you believe we or any company associated with us has misused any of your
information, please contact us immediately and report such misuse.


EFFECTIVE DATE

The Effective Date of this Privacy Policy is September 9, 2020.


CHANGES TO THIS WEBSITE PRIVACY POLICY

We may change this policy. If we do so, such change will appear on this page of
our website. We will also provide appropriate notice and choices to you, on this
website and in other appropriate locations, based on the scope and extent of
changes. You may always visit this policy to learn of any updates.


SOCIAL MEDIA DISCLAIMER

Are you using social media? So are we! We encourage you to read, share, follow
us and provide commentary on Facebook®, Twitter®, Pinterest®, Instagram® and
other social media sites. Before you post, please make sure you read our social
media disclaimer:

We are under no obligation to screen or monitor your posts or any other User
Content, however, we do make a reasonable effort to monitor participation to
ensure that you stay on topic, are courteous and avoid making offensive
comments. Your posts and User Content must adhere to the following requirements
and cannot:

 * Contain any third-party material including logos, drawings, tattoos,
   photographs, pictures, sculptures, paintings and other images or works of
   art, phrases, trademarks, trade secrets or other items without explicit prior
   written permission to use such materials
 * Contain sexually explicit, graphic, gratuitous or unnecessarily violent
   content or defamatory or derogatory content against any ethnic, racial,
   gender, religious, sexual orientation, professional or age group or contain
   any pornographic or nude material
 * Contain any private information about yourself or any other individual,
   including without limitation, information related to the health of the
   individual, financial information about the individual or any identification
   or account numbers related to the individual, with or without their
   permission or consent
 * Contain any software viruses or any other computer code, files or programs
   designed to interrupt, destroy or limit the functionality of any computer
   software, hardware or telecommunications equipment
 * Contain any advertising, promotional materials, "junk mail", "spam", "chain
   letters", "pyramid schemes", or promote illegal activity and/or illegal
   contests, sweepstakes, gambling, including any online casino, sports books,
   bingo, poker or any other form of solicitation

We reserve the right to edit comments for content, remove off-topic
contributions, delete offensive comments or remarks, block offensive
contributors and delete actual or suspected spam content from any Social Media
site. Please be aware that once you post something online, there is the
potential for numerous individuals to read your words, even years from now.
Therefore, we suggest that you exercise caution when posting on any social media
sites and that you not disclose personally identifiable information like your
location, medical record number, personal medical information, financial
information, etc. We are not responsible for the content of any comments or
responses posted by others to any website or social media site managed or
monitored by UnitedHealthcare. We do not control the placement of any marketing
or advertising displayed on our pages by social media or third-party
organizations. The inclusion of links to other websites does not imply any
endorsement of the material on the websites.

Please remember that information posted on any of our social media platforms is
for general informational purposes only and should not be considered medical
advice and should not replace a consultation with your health care professional.
Always consult an appropriate health care professional for your specific needs.
If you are experiencing a medical emergency, call 9-1-1 or your local emergency
number. Some treatments mentioned on social media formats may not be covered by
your health plan. Please refer to your benefit plan documents for information
about coverage.

We reserve the right to respond to any post or User Content and may occasionally
privately request your contact information to assist offline with your consent
by routing the matter to the appropriate persons or department for further
handling. Any further questions about your account, claims or benefits or
request for additional information can be addressed by visiting your member
website or calling the toll-free member phone number on the back of your health
plan ID card.

All trademarks are the property of their respective owners.


SOCIAL SECURITY NUMBER PROTECTION POLICY

Protecting personal information is important to UnitedHealthcare. It is our
policy to protect the confidentiality of Social Security numbers ("SSNs”) that
we receive or collect in the course of business. We secure the confidentiality
of SSNs through various means, including physical, technical, and administrative
safeguards that are designed to protect against unauthorized access. It is our
policy to limit access to SSNs to that which is lawful, and to prohibit unlawful
disclosure of SSNs.

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