Updated Oct, 2022
We appreciate you visiting the Milber Multi Services LLC customer portal and consumer website (the “Portal”). Milber Multi Services LLC (also known as “Milber Multi Services LLC,” “we,” “our,” or “us”) owns this website and the Portal as Internet properties. In this privacy statement, references to “you,” “user,” or “your” refer to both the user of this website or the Portal and any agent or third party who uses your account to access the Portal.
This privacy statement describes the privacy practices applied to your use of the website, the Portal, and any offline meetings you may have with us in connection with looking for or buying health insurance plans. This website alone is covered by this privacy statement. Through other websites with their own privacy rules, we might conduct marketing campaigns.
By using or gaining access to the website or Portal, you consent to this privacy policy. If you do not accept all of the terms, conditions, and policies displayed, including this privacy statement, you may not use this website or the Portal. If we make changes to this privacy statement, we’ll update it here on the website and, if necessary by law, we’ll provide you notice otherwise.
CATEGORIES OF PERSONAL INFORMATION WE MAY COLLECT.
(A) “Identifiers” such a genuine name, mailing address, special personal identification number, online identifier, Internet Protocol address, email address, account name, or other identifiably information.
(B) An individual’s name, signature, address, phone number, driver’s licence or state identity card number, employment, bank account number, credit card number, debit card number, etc. are examples of “Related Information” that can be used to identify, connect, or describe a specific person.
(C) “Characteristics” of protected categories as defined by federal or California law
(D) Business Information (e.g., records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies).
(E) “Health information.”
(F) “Internet Activity” includes data about a user’s engagement with an Internet website, application, or advertisement, as well as browsing and search history information.
(G) “Geolocation Data.”
(H) Information that is audio, electronic, or similar.
(I) Information that is “professional” or concerning employment.
(J) “Inferences,” such as those derived from any of the data listed above to develop a profile of a customer that reflects their interests, traits, etc.
(K) We do not intentionally collect information from users under the age of eighteen (18). No one under the age of eighteen (18) should submit any information to or publish anything on our websites.
SOURCES OF PERSONAL INFORMATION.
(A) Straight from you (e.g., via telephone, text message, email, website form submission, etc.).
(B) Readily available resources (e.g., property records, public directories, etc.).
(C) Third parties (such as the data that is stored on record about you with our insurance carrier partners).
(D) Tangentially from you (e.g., via cookies, digital trackers, analytics, and IT and security systems).
PURPOSES OF COLLECTING PERSONAL INFORMATION.
(A) To achieve your goal of providing the information (e.g., to provide support, respond to an inquiry, etc.).
(B) To make purchasing health insurance policies easier for you.
(C) To make your visit to the website more unique.
(D) To keep your account current.
(E) To support the preservation of the integrity, safety, and safety of our website, our products, services, databases, and other technological resources.
(F) To look into and stop fraud and misuse of our store, services, and products.
(G) To uphold our responsibilities under the law and regulations.
(H) To assess or carry out a merger, reorganization, sale, or other business transaction in which personal data is one of the transferred assets.
(I) For other legitimate reasons.
WHO PERSONAL INFORMATION MAY BE SHARED WITH.
(A) “Insurance Providers” are people or businesses who sell health insurance products.
(B) Professional service providers include accountants, lawyers, consultants, and others (“Professional Services”).
(C) Other parties (including governmental or regulatory bodies) with a legal interest (“Legal Parties”).
(D) We also use other service providers (“Service Providers”) to assist in offering our goods and services.
DISCLOSURES OF PERSONAL INFORMATION.
(A) We don’t sell or have sold any personal information.
(B) In the last 12 months, we have made business-related disclosures to insurance providers, professional services, legal parties, and other service providers of Identifiers, Related Information, Characteristics, Commercial Information, Health Information, Internet Activity, Geolocation Data, Audio, Professional, and Inferences.
CALIFORNIA RIGHTS AND INFORMATION
(A) Consumers in California have the right to ask firms to provide them with specific information about how their personal information has been used over the last year. We will disclose the following information to California consumers upon receipt of a verifiable request: I the categories of personal information we collected about them; (ii) the categories of sources for the personal information we collected about them; (iii) our business or commercial purpose for collecting or selling that personal information; (iv) the categories of third parties with whom we share that personal information; and (v) the statewide information collection requirements.
(B) Consumers in California have the right to ask firms to remove any personal information they have obtained from them and kept, subject to several limitations. Unless an exception applies, we shall remove (and instruct our service providers to erase) your personal information from our records upon receipt of a verifiable request, to the extent needed and authorized by applicable law.
(C) Please get in touch with us at the phone number or email provided in our contact information if you want to seek the disclosure or deletion of your personal information.
(D) Consumers in California have the power to request that firms not sell their personal information. You cannot use this right because we do not sell your personal information.
(E) The California Consumer Privacy Act prohibits discrimination against California consumers who exercise their legal rights. However, businesses may provide specific financial incentives that may lead to a range of prices, rates, or degrees of quality.
(F) Residents of California have the right to inquire about the distribution of their personal information by businesses to third parties for their direct marketing purposes under California’s “Shine the Light” statute. Please call or email us at the telephone or email address provided in our contact information if you have such a request.
(G) You can instruct a website not to monitor you using the “do not track” functionality of some browsers. These characteristics are not all the same. At the moment, we don’t react to those indications.
COOKIES AND TRACKING TECHNOLOGIES.
We might amass personal data over time and across several websites, apps, and gadgets. We might collaborate with other parties who do this kind of data collection. Server logs, web beacons, and similar technologies are a few examples of tracking tools we may employ. To find out what choices you may have regarding the use of your data, check the help and settings areas of your browsers, mobile devices, social media platforms, and other technology providers.
TELEPHONE CALLS AND RECORDINGS.
Even if the phone number you give us is on a do-not-call list, you give your prior express written approval to receive marketing phone calls and text messages (including those generated by automatic telephone dialling systems and includes prerecorded messages). You can use our products or services without providing this consent by calling the number listed on our website. Consent is not a requirement for the purchase of any goods or services. Additionally, you agree that all telephone conversations with us, as well as anyone to whom we may transmit your call, may be recorded for quality assurance, customer service, compliance monitoring, and regulatory compliance.
RETENTION OF PERSONAL INFORMATION.
We preserve personal data for as long as is required to deliver goods or services to you, to address inquiries, grievances, or claims brought forth by you or on your behalf, to maintain records needed by law or to prove compliance with regulations, and to achieve the goals outlined in this policy.
INFORMATION SECURITY.
To avoid accidental loss, unauthorised use, or access to personal information, we have put in place the necessary security measures. The service providers who handle your information have a duty of confidentiality and will only use it as authorised.