This Privacy Notice explains how Risty Benefits, Inc. (also referred to as “we” or “us”) may collect, use and disclose certain personally identifiable information (PII) in the course of assisting you in comparing qualified health insurance plans, obtaining determinations of eligibility for coverage, and enrolling in qualified health plans direct through the carrier.
Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy and practices of Risty Benefits, Inc.
Our Privacy Policies and Practices
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us, our affiliates, or others.
- Information we receive from a consumer-reporting agency.
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except permitted by law.
We disclose nonpublic personal information about you only to nonaffiliated third parties as permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.
Personal Identifiable Information (PII) includes any information that can be used to distinguish or trace your identity, either alone or in combination with other personal or identifying information that is linked or linkable to you.
Examples of PII include your name, address, phone number, Social Security Number, date and place of birth, and mother’s maiden name.
We will take reasonable steps to ensure that any of your PII in our possession is complete, accurate, and up to date – to the extent necessary to assist you in comparing insurance plans, obtaining determinations of eligibility of coverage, and enrolling in insurance plans through the carrier. We have implemented operational, administrative, technical, and physical safeguards and procedures, including privacy and security training programs for members of our workforce, to protect your PII and ensure its confidentiality, integrity, and availability, and prevent unauthorized or inappropriate access, use, or disclosure.
Purpose of Collection of PII
The purpose of our collection of PII is to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, and enrolling in insurance plans with the carrier.
To Whom and for What Purpose PII May be Disclosed
We may disclose your PII to certain federal or state agencies, insurance issuers offering a plan that you have selected (or such issuer’s employees, agents, or subcontracts) or any individual who is duly and legally authorized to act on your behalf with your PII. This includes any individuals acting under an appropriate power of attorney or appointment that complies with applicable state and federal law. Your PII may be disclosed to the extent necessary for us to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, or enrolling in insurance plans. We will obtain your informed consent, which you may revoke at any time, for any other uses or disclosures of PII.
Whether Request to Collect PII is Voluntary or Mandatory
Our request to collect your PII, for purposes of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, and enrolling in health insurance, is voluntary.
Effects of Nondisclosure of PII
If you choose to not provide the requested PII to use, then we may be unable to assist you in comparing health insurance plans, obtaining determinations of eligibility, or enrolling in an insurance plan.