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Access Health CT Privacy Policy

Access Health CT is a new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Patient Protection and Affordable Care Act (the "ACA"). This Privacy Policy describes our policies and procedures regarding our collection, use and disclosure of the personal information that we receive in the course of our activities. Our collection, use and disclosure of personal information are regulated by applicable federal and state law, including, without limitation, the regulations created by the federal Department of Health and Human Services under the ACA.

How We Collect Information

Information You Choose to Share

Primarily, we collect personal information that you voluntarily provide to us. For example, when you register on the Access Health CT website for a User ID and password, we request that you provide your name and email address. If you use our website to learn more about or enroll in one of our available plans or programs, we may request additional information from you, including additional contact information (such as your address and phone number), demographic information (such as your age, gender and annual income), your Social Security number or other government-issued ID number, information regarding your employer, and similar information about the members of your family. We may also collect similar personal information from you in person through one of our assistors, navigators or brokers, or at one of our exhibits or offices, or through one of our call centers.

As discussed below, we may also supplement the information we collect with information we receive from other federal and state government agencies (such as the IRS, Medicare, Medicaid and the Connecticut Department of Social Services) as well as private information clearinghouses.

Information Collected Automatically

.Log Files

When you use our website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your Internet Protocol (IP) address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser. This information is periodically deleted as part of normal maintenance routines.

.Cookies

Cookies are small text file stored on your computer by a website that assigns a numerical user ID and stores certain information about your online browsing. We use cookies on this site to help us recognize you as a prior user. No personal information is stored on any cookie that we use. If you wish, you can adjust your web browser's privacy settings to delete cookies upon exiting websites or when you close your browser. You may also configure your browser to block cookies; however, doing so may negatively impact your user experience.

.Digital Fingerprinting

We use digital fingerprinting technology, also known as "machine identification" technology, to gather certain data about you and/or your computer. This identification number is based on data that is automatically transmitted by your browser, such as your IP address and computer operating system and browser version number. This technology creates a unique computer identifier which may be used by Access Health CT to identify your device, which will allow us to improve the user experience, better safeguard your personal information, and to protect the integrity of the enrollment process.

How We Use and Disclose Personal Information

We use your information for the purposes of providing our services helping you determine your eligibility for participation and enrolling in qualified health plans and relevant health insurance affordability programs. We may also use your information (i) to support our internal operations and the improvement of our website and services, (ii) to comply with applicable law, and (iii) to communicate with you, including responding to your inquiries. We may also use information that you provide to us, in combination with information that we receive from the sources described below, to directly contact you to inform you regarding health plans and programs that you may qualify for.

We do not sell any of your personal information that we collect through this website or otherwise received by Access Health CT. We may disclose your personal information to employees and agents of Access Health CT with a need to know in the course of performing services on behalf of Access Health CT. We require these employees and agents to keep your information confidential and to use your personal information only in the performance of services for Access Health CT. In addition, in order to verify and supplement the personal information we receive from you, we may disclose personal information you provide to us to several state and federal government agencies, including, without limitation, Medicare, Medicaid, the IRS, the Connecticut Department of Social Services and the Connecticut Department of Revenue Services, as well as to private data clearinghouse firms.

Information that we automatically collect through our website is used to improve our website and the user experience, better safeguard your personal information, and to protect the integrity of the enrollment process.

In the event Access Health CT is merged into any other state or federal agency, Access Health CT may disclose your personal information to such successor agency and such successor agency may use your personal information for the purposes contemplated in this Privacy Policy.

Safeguards We Have Implemented to Help Ensure the Security of Your Personal Information

The security of your personal information is very important to us. We have put in place reasonable operational, administrative, technical and physical safeguards to protect the information we collect, as required by applicable law. We cannot guarantee, however, that all communications between us or information stored on our servers will be free from unauthorized access by third parties, such as hackers.

How Can You Review and Correct Your Personal Information That We Have Collected, Used or Disclosed

We will make available to you the personal information in our custody or control that we have collected, used or disclosed, upon your written request, to the extent required and/or permitted by law.

You can access your User ID profile information by logging into the Access Health CT website , Account Home. To request any other personal information that we hold about you, please submit your request in writing at the email address or postal address shown below in the Contact section. When we receive an access request from an individual, we will attempt to fulfill your request within 30 days. For your security, we may request additional verification of your identity before providing any information. In certain circumstances, we may not be able to give you access to all of your personal information. This may occur, for example, where revealing personal information to you may also reveal personal information of a third party or where the information has been collected for the purposes of a legal investigation. We make reasonable efforts to keep personal information in our possession or control accurate and complete, based on the most recent information available to us. We also, however, rely on you to keep your personal information accurate and complete. If you register with us, you have the right, and we encourage you, to view and update your registration information at any time. To update your information, please log into the Access Health CT website, Account Home or email us at questions@accesshealthct.com. If you believe your personal information is inaccurate, you can demonstrate in writing the inaccuracy or incompleteness of the personal information we have on you. If you successfully demonstrate that the personal information we have on you is inaccurate or incomplete, we will amend it as required.

Changes to this Policy

We reserve the right, at our discretion, to modify our privacy practices and update and make changes to this Privacy Policy at any time. This Privacy Policy is current as of the ""last revised" date which appears at the top of this page. We will treat personal information in a manner consistent with the Privacy Policy under which it was collected, unless we have your consent to treat it differently. By using this website following any Privacy Policy change, you freely and specifically give us your consent to collect, use, transfer and disclose your personal information in the manner specified in our then-current Privacy Policy.

Links to Third Party Websites

This Privacy Policy applies solely to this website and the services provided by Access Health CT, and not to any other product or service. This website may contain links to a number of third party websites that we believe may offer useful information. The policies and procedures we describe here do not apply to those websites. We recommend that you carefully read the privacy policies of each site that you visit for information on their privacy, security, data collection and distribution policies.

How to Contact Access Health CT

If you have questions, comments or suggestions, please e-mail us at Questions@accesshealthct.com in the US or call us at 860-757-5300.

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TERMS OF USE

Introduction

Access Health CT is the new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Affordable Care Act.

By using this website, www.accesshealthct.com or www.ct.gov/hix , you agree to be bound by these Terms of Use. Please review them carefully. For more information on how Access Health CT may collect, use, maintain, secure and disclose your personal information, please review our

Privacy Policy

Additional guidelines, terms and agreements ("Additional Terms") may apply to programs and products offered through this Site. For example, if you select a health insurance plan through this Site, separate terms will apply to your selection. In the event of a conflict between such Additional Terms and these Terms of Use, such Additional Terms will control.

We reserve the right to revise these Terms of Use at any time by updating this posting. You are responsible for reviewing these Terms of Use regularly in order to become aware of any changes. By continuing to use this Site after any amendment, you agree to accept any such change.

Registration

In order to access some features of this Site and apply for any of the plans or programs available through Access Health CT, you will need to create a User ID and password. You agree to provide us with accurate and complete registration information, and to inform us of any updates or changes to such information. Your User ID and password verify your identity so that you may have access to your information while restricting access by unauthorized individuals. Your Access Health CT User ID and password are your keys to obtaining secure information from¬ Access Health CT. To ensure that there is no unauthorized use of the information that Access Health CT has about you, you should not share your Access Health CT User ID or password with anyone. Your password is confidential and known only to you; if you share it with anyone else, you do so at your own risk. You are responsible for all activities that occur under your User ID and password.

If you learn that there has been any unauthorized access to or use of your password or any of the information in your Access Health CT account, please notify Access Health CT as soon as possible by calling 860-757-5300. You may not have access to anyone else's Access Health CT account unless you have received express consent to do so and you must not falsely represent to Access Health CT that you have such consent. You may not use Access Health CT or your Access Health CT account to attempt to access any other individual or household's personal data other than your own.

Use of this Site

You may browse this Site and use its functions and features, and you may download material displayed on this Site, for your own personal use only - i.e. to review and select health insurance policies and affordability programs offered on this Site. Except as noted above, you receive no right or license, by implication, estoppel, or otherwise, in or under any patent, trademark, copyright, or proprietary right of Access Health CT or any third party through your use of this Site.

You may not:

.download, modify, reproduce, adapt, translate, reverse engineer, create derivative works based upon, publicly display, sell, rent, license, or in any way commercially exploit any portion of this Site, except and to the extent expressly permitted under these Terms of Use;

.use, frame or utilize framing techniques to enclose any Access Health CT trademark or logo or any other part of this Site;

.remove any copyright, trademark or other proprietary notice contained in or on this Site;

.create user accounts by automated means or under false or fraudulent pretenses;

.transmit or upload to this Site any item containing or embodying any virus, worm, defect, Trojan horse, or other feature designed to damage or degrade in any manner the performance of this Site, or any other Web site, or any other computer or other device or system, or the enjoyment of this Site by any other user;

.use this Site to violate the security of or gain unauthorized access to any computer or computer network or other device or system (including unauthorized attempts to discover passwords or security encryption codes);

.take any action that imposes, or may impose a disproportionately large data or traffic load on this Site or the IT infrastructure used to operate and make this Site available;

.circumvent or attempt to circumvent any security measures associated with this Site; or

.use this Site to violate any applicable local, state, federal or international law.

Any use of this Site in violation of these Terms of Use will terminate the permission or license granted by these Terms and result in the termination of your account on this Site. Such unauthorized use may violate applicable law, including, without limitation, copyright laws and trademark laws (including trade dress). We reserve the right, but are not obligated to (except as required by applicable law), report any illegal activity to any and all regulatory, administrative and/or governmental authorities for prosecution.

Copyright and Trademark

All materials on this Site, unless specifically noted, are copyright, and the sole and exclusive property, of Access Health CT or its licensors. Copyright violation is a serious offense, punishable by civil and criminal penalties.

All names, logos, designs and slogans of Access Health CT are trademarks of Access Health CT. Any other trademarks on the Site are the property of their respective owners. Use of any third party trademarks does not imply sponsorship or endorsement by such third party of Access Health CT or this Site or by Access Health CT of such third party. You are not permitted to use any trademarks, service marks or logos without the prior written consent of the owner.

You may not remove any copyright, trademark or other proprietary notices from materials you download, nor may you distribute, modify, transmit, reuse, repost, or use any material from the Site for public or commercial purposes without our prior written consent. Any use contrary to these Terms of Use is a violation of the intellectual property rights of Access Health CT, its vendors and/or contributors.

We always appreciate your feedback or other suggestions about Access Health CT, but you understand that we may use them without any obligation to compensate you for them (just as you have no obligation to offer them).

Indemnification

You agree to indemnify, defend, and hold Access Health CT and our directors, officers, employees, agents and representatives (collective, "Representatives") harmless from all claims, liabilities, damages, and expenses (including attorneys' fees and expenses) arising out of or relating to: (a) your inappropriate or unlawful use of this Site; and (b) any alleged breach of these Terms of Use.

Disclaimer of Warranties/Limits on Liability

All information and materials on this site and any linked sites are provided "As Is" without warranty of any kind, and may include inaccuracies or errors. We do not warrant that access to this Site or any of its content will be uninterrupted or error free, that defects will be corrected, or that this Site will be free of viruses or other harmful components. We have not reviewed any sites linked to the Service ("Linked Sites") and we are not responsible for the content of any Linked Sites.

ACCESS HEALTH CT SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE AND ANY OF OUR REPRESENTATIVES WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) RELATING TO THE USE, PERFORMANCE, DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL ACCESS HEALTH CT'S LIABILITY TO YOU IN CONNECTION WITH YOUR USE OF THIS SITE EXCEED FIFTY DOLLARS ($50.00).

Law and Jurisdiction

This Site is operated by Access Health CT from the State of Connecticut, United States of America, and your use of this Site shall be governed and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Exclusive jurisdiction and venue shall lie in the State of Connecticut, Hartford County, including the U.S. federal courts therein.

Contact and Violations

Please contact us with any questions regarding these Terms of Use at Questions@AccessHealthCT.com.

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