This Privacy Policies apply for the following Properties:
Privacy policy
Updated September 12, 2023
Blue Lantern Health, LLC. is the parent company of the health insurance agencies Healthinsurance.com, Inc., Health Plan Intermediaries Holdings, LLC and American Services Insurance Agency, LLC, as well as the member service portal My Benefits Keeper (together, “Blue Lantern Health”, “we” “our”, and “us”). Each of our these subsidiary companies and brands offer services through their relevant websites and because they involve consumer services, these websites may be governed by a separate privacy policy, as posted on their respective websites. This privacy policy (“Privacy Policy”) applies to this website, https://bluelanternhealth.com, and any other websites, related products and services, including any associated interactive features, widgets, plug-ins, applications, content, downloads and other services we may offer to you that posts a link to this Privacy Policy (collectively, the “Web Services”), regardless of how you access or use them, whether via personal computer, browser, laptop, tablet, mobile phone or other device (each a “Device”). This Privacy Policy covers how Blue Lantern Health collects, uses, shares, and processes personal and other information and data of users of our Web Services. To the extent that we provide you with notice through our Web Services of different or additional privacy policies or practices (e.g., at the point of collection), those additional privacy policies shall govern such data collection and use.
By using or accessing our Web Services or by submitting information to Blue Lantern Health, you consent to the terms of this Privacy Policy.
In addition to reading this Privacy Policy, please review our Terms and Conditions of Use, which governs your use of our Web Services. If you do not agree to our Terms and Conditions of Use and the collection, use and sharing of your information as detailed in this Privacy Policy, please do not access or otherwise use our Web Services or any information or content accessible on our Web Services.
We reserve the right to change this Privacy Policy at any time, and we will post a notice or inform you of any such changes on our website. Your use of our Web Services following the posting of an updated Privacy Policy constitutes your acceptance of such updated Privacy Policy. We reserve the right to apply the amended terms to the information that we have already collected, subject to any legal constraints. We will not, however, use your previously collected Personal Information in a manner materially different than represented at the time of collection. To the extent any provision of this Privacy Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.
Please note that this Privacy Policy applies only to our information-gathering, use, and dissemination practices in connection with our Web Services. This Privacy Policy does not apply to any of our information practices conducted separately by Blue Lantern Health outside of our Web Services.
This Privacy Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Privacy Policy. To the extent any translated versions of this Privacy Policy conflict with the English language version, the English language version of this Privacy Policy shall control.
Personal Information Collected
We collect information from you in several ways, including when you choose to share information with us by entering it through our website and by using automated processes. We also collect information about your transactions with us, such as any information you submit to us through our Web Services. For example, we collect your contact information when you subscribe to a newsletter or to pose a question to us through our “contact us” page.
Some of the information we collect identifies you personally (“Personal Information”), such as your first and last name, email address, zip code, contact information, health information payment information including financial account numbers, mailing and billing addresses, government identification numbers, policy numbers, dates of birth, Social Security numbers, among other identifiers, related to services we offer.
Automated Information Collection
In addition to any information that you choose to submit to us via our Web Services, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with our Web Services (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your Device whenever you visit or interact with our website. To the extent we associate Usage Information with your Personal Information we collect directly from you through our Web Services, we will treat it as Personal Information.
This Usage Information may include:
Use of Collected Information
We may use the information that we collect from you to process transactions, and provide products, services, and information to you. We may use your information to process your requests and to provide you with information that may be of interest to you. We may anonymize or aggregate your information for marketing and actuarial purposes. We may also use your information to process your account registration and to enable you to use certain website features. We may also use the information that we collect to customize your experience on our Web Services, to better tailor our product offerings, to improve our Web Services and the content provided on and through our Web Services, to provide customer support, to enforce our Terms and Conditions of Use, to meet our legal obligations or to inform a legal proceeding, and to provide you with content or advertisements that may be of interest to you. We may also use the information we collect from you for additional purposes with your consent.
Sharing of Collected Information
We may share the information that we collect from you, including Personal Information, with third parties for a variety of purposes. For example, we may share information with service providers who assist us in our business operations. We may also share information where required by law or to satisfy any applicable law, regulation, subpoena, government request, or other legal process. We may also share information with third parties, including law enforcement, to protect this website, to fight fraud and identity theft, to ensure the integrity and operation of our organization and systems, to protect the rights, property or safety of Blue Lantern Health, its employees, members or others, and to enforce our Terms and Conditions of Use. We also reserve the right to share the information that we collect with our subsidiaries and affiliates for marketing and other business purposes and with any subsequent owner in the event of a merger, consolidation, sale of our assets, or other change in our business, including during the course of any due diligence process.
Occasionally, Blue Lantern Health may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers.
When we share your personal information with third parties for business purposes, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personal Information we collect about you except for the purpose of fulfilling their service obligations to us.
We may share aggregate information about website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about website users to continue to improve our Web Services for you.
As permitted by law, we may disclose Personal Information, which may or may not include to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Blue Lantern Health assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your information, including any possible use of your Personal Information to the extent that any such information is transferred.
Other Websites and Links
The Web Services contains links to other websites and services that are not operated by Blue Lantern Health. Please note that when you click on a link to one of these sites, you are exiting our Web Services to go to another provider. Blue Lantern Health is not responsible for the content or privacy practices of these other services or websites. We suggest that you read the privacy policies of these providers, as their practices and policies may differ from ours.
We may provide certain parts of our Web Services in association with third parties, such as promotional partners or affiliates. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.
Analytic Services and Targeted Ads
We use third-party analytics services, like Google Analytics, to collect, monitor and analyze data we collect through our Web Services to, for example better understand how our website is used and to improve its functionality. These third-party analytics services may track details about your online activities over time and across different websites. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.
The Google Analytics service tracks and reports website traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.
These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics’ currently available opt-outs for the web.
If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.
Our Commitment to Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personal Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personal Information we collect online and we make good faith efforts to store your Personal Information in a secure operating environment. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.
Social Security Protection Policy Statement
It is our policy to protect the confidentiality of Social Security numbers (SSNs) from misuse and improper disclosure by maintaining and enforcing physical, electronic, and procedural safeguards. We prohibit unlawful disclosure of SSNs, and limit access to SSNs to our personnel who need access to SSNs in order to perform their job functions. We do not disclose SSNs to third parties except where required or permitted by law.
Privacy Notice at Collection for California Residents
This Privacy Notice at Collection applies to personal information of California residents to the extent the information is subject to the California Consumer Privacy Act as amended by the California Privacy Rights Act of 2020 (“CCPA”). This notice does not apply to personal information collected pursuant to (i) the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act; or (ii) certain medical and health information covered by HIPAA.
Personal Information We Collect
We collect or use information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). The chart below includes information collected for various types of individuals, such as our customers, employees, and others. As a result, all of the categories of collected personal information described below may not be applicable to you. We may collect or use the following categories of your personal information in the following ways:
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address and account name
Personal Information is retained based on internal retention policies, which typically requires retention for a period of seven years. Information is segregated by legal retention requirements and maintained in accordance with various local, state, federal, and other legal requirements. Personal Information will not be retained beyond the reasonably foreseen need to retain the information for legal or business purposes.
Yes
We use this personal information for performance of our services and for our business operations or for human resources purposes. For example:
A 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.
See above.
Yes, except to the extent the information may meet the definition of Sensitive Personal Information.
We use this personal information for performance of our services and for our business operations or human resources functions. For example:
Age, national origin, religion, citizenship, marital status, physical or mental disability, genetic information or ancestry, sex, veteran or military status.
See above.
Yes, except to the extent the information may meet the definition of Sensitive Personal Information.
We use Personnel’s personal information for our business operations or human resource functions, including:
Records of your insurance related transactions, personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories, (driving history, and other related information such as your claims history or credit history, etc).
See above.
Yes
We use this personal information for performance of our services and for our business operations. For example:
We do not collect this category of personal information.
Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems and advertisements
Personal Information is retained based on internal retention policies, which typically requires retention for a period of seven years. Information is segregated by legal retention requirements and maintained in accordance with various local, state, federal, and other legal requirements. Personal Information will not be retained beyond the reasonably foreseen need to retain the information for legal or business purposes.
Yes
We use this personal information for performance of our services and for our business operations or human resource functions. For example:
Geographic tracking data, physical location and movements.
See above.
Yes
We use this personal information for performance of our services and for our business operations. For example:
Includes audio, electronic, visual, or similar information such as photographs and images (e.g., that you provide us) and call/video recordings (e.g., of customer support calls).
See above
Yes
We collect this information as the result of Personnel’s use of other systems to facilitate the security of our offices and information systems and use it for our internal business operations.
Business contact details in order to provide you our services at a business level, job title as well as work history and professional qualifications if you apply to work with us.
Current and/or past employment history, payroll records, benefits records, leave documentation, or medical records.
See above
Yes
We use Personnel’s personal information for our business operations, including:
Education records and other similar information.
See above
Yes
We use Personnel’s personal information for our business operations, including:
A person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes.
See above
Yes
We use this personal information for performance of our services, and for our business operations or human resource functions. For example:
Personal information that reveals: a Social Security number or other government identifier; account login information or a financial account number with associated credentials; contents of mail, email, or text messages. Health information.
See above
No
We use this personal information for performance of our services, and for our business operations or human resource functions. For example:
You may submit a request to opt-out of the sale or sharing of your personal information or a consumer request to us through webform accessible here: https://www.bluelanternhealth.com/do-not-sell-my-info, by calling the toll-free phone number at at 1 (877) 376-5831, or by submitting an email request to privacy@bluelanternhealth.com and including a description of your consumer request in the subject line.
We do not sell or share the personal information of minors under 16 years of age. We do share cookies with third parties as described in our online privacy policy, https://www.bluelanternhealth.com/privacy-policy. To opt-out of the sharing of information with third parties in this context, please review our online privacy policy for instructions or adjust your browser settings accordingly.
Further Information
Please visit our website privacy policy, https://www.bluelanternhealth.com, and our CCPA privacy policy, https://www.bluelanternhealth.com/california, for further information about personal information we collect, and your rights under the California Consumer Privacy Act as amended by the California Privacy Rights Act of 2020.
If you have questions about this notice, please contact us at privacy@bluelanternhealth.com, or by phone at 1 (877) 376-5831.
Users Outside of the United States
If you are from a non-U.S. country, please be aware that the Personal Information you submit, including information provided through our Web Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such Personal Information through the Web Services, you are consenting to (and represent that you have authority to consent to), the transfer of such information to the United States for the uses and purposes described in this Privacy Policy. Without limiting the above, for the avoidance of doubt we do not have an establishment or target people in the EEA or UK. Children’s Privacy
The website is not intended to be used by children and is not directed toward children under the age of 13. Blue Lantern Health does not use the website to knowingly solicit data from or market to children under the age of 13. The website does not sell products for purchase by children. No person under 13 years of age should disclose information on the website. If you are under 18, you may use the website only with the involvement of a parent or guardian.
Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children privacy.
How to Contact Us
We appreciate your questions or comments about this Privacy Policy, the practices of the website, or your dealings with Blue Lantern Health. Please send e-mail to: privacy@bluelanternhealth.com, or you can send a letter to us:
Blue Lantern Health, LLC.,
Attn: Privacy Opt-Out
3450 Buschwood Park Dr.,
Tampa, FL 33618.
GENERAL DISCLAIMERS