Effective May 9, 2024
This notice provides you with information about our privacy practices. In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it.
This notice describes our privacy practices regarding information about our customers and former customers that obtain financial products or services from us for personal, family, or household purposes. When state law is more protective of individuals than federal privacy law, we will protect information in accordance with state law consistent with the requirements of federal preemption.
We collect and maintain information about you to provide you with the coverage, product or service you request and to service your account. We collect certain information ("non-public personal information") about you and the members of your household from the following sources:
At Harmony Health Advisors, our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information about you to those individuals - such as our employees and agents - who provide you with our products and services.
We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.
We may disclose the nonpublic personal information we collect about you to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.
Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Harmony-HealthAdvisors.com or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will abide by the privacy restrictions imposed by that organization.
We are permitted to disclose personal health information (1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (2) with your written authorization; and (3) otherwise as permitted by law.
Harmony-HealthAdvisors.com encompasses various affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
We may disclose nonpublic personal information to our affiliates, which include:
We are permitted by law to share with our affiliates our transaction and experience information with you. In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information that we have received from you and from third parties, such as consumer reporting agencies and insurance support organizations.
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with non-affiliated third parties. Before we do that, we will provide you with a revised privacy notice and give you the opportunity to opt out of that type of information sharing.
Our website privacy notices contain additional information particular to website use. Please pay careful attention to those notices if you transmit personal information to Harmony-HealthAdvisors.com over the Internet.
Harmony-HealthAdvisors.com's policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. Harmony-HealthAdvisors.com may collect your name, address, phone number and e-mail address at this site. We will use this information to provide you information you request, to refer you to a Harmony-HealthAdvisors.com agent, to refer you to a third-party service provider or to comply with a legal requirement.
We have agreements with third parties that allow you to go to their website from our site. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. Please be aware that Harmony-HealthAdvisors.com is not responsible for the privacy practices of those sites. Our privacy statement applies solely to our website.
Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you or to provide necessary technical support. Harmony-HealthAdvisors.com uses up to 2048-bit encryption on portions of the site where you can enter personally identifiable information.
In addition to the information you provide us, we collect information about your activities while you are at our site, including IP addresses, browser and platform types, domain names, access times, referral data, and your activity while using or reviewing our site. We obtain the information by using cookies.
A cookie is a message sent to your browser from a web server that is stored on your computer's hard drive. You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions. We may use cookies to track customer requests and traffic patterns. Harmony-HealthAdvisors.com uses pixels, or transparent GIF files, to help manage online advertising. The information that we collect and share through these technologies is anonymous and not personally identifiable.
We do not currently support Do Not Track signals but may in the future. When you visit our website, other parties may collect personally identifiable information about your online activities over time and across different websites. To opt-out of data provider cookies, please visit www.aboutads.info.
Harmony-HealthAdvisors.com may preserve for any period of time it deems appropriate all information you provide. Harmony-HealthAdvisors.com may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction; (b) comply with legal process; (c) enforce this Agreement; (d) respond to claims that any materials on this site violate the rights of third parties; (e) protect the rights, property, or personal safety of Harmony-HealthAdvisors.com, its users and/or the public; or (f) in the event that all or substantially all of Harmony-HealthAdvisors.com assets are acquired by a third party.
Harmony-HealthAdvisors.com makes no active effort to collect personal information from children and does not wish to receive any such information.
Our licensed agents are ready to find the best coverage for your needs at no cost to you.
800-747-1690