A. Overview
B. Information We Collect
C. Our Use and Disclosure of Information
D. Information Security
E. Accessing and Changing Your Information
F. Contacting Us
A. Overview
In order to operate the Beta Health Association,
Inc. services and to reduce the risk of fraud, Beta Health
Association, Inc. ("Beta Health Association, Inc." or "we")
must ask you to provide us information about yourself and
your credit card and/or bank account. This Privacy Policy
describes the information we collect and how we use that
information. Beta Health Association, Inc. takes the privacy
of your personal information very seriously and will use
your information only in accordance with the terms of this
Privacy Policy. We will not sell or rent your personally
identifiable information or a list of our customers to third
parties. However, as described in more detail in Part C below,
there are limited circumstances in which some of your information
will be shared with third parties, under strict restrictions,
so it is important for you to review this Privacy Policy.
This Privacy Policy applies to all services offered by Beta
Health Association and services that are hosted on the Betadental.com
Web site, whether the services are offered by Beta Health
Association, Inc., by its subsidiaries, or by the PAyPal.com
web site.
Beta Health Association, Inc. has agreed to
notify you of:
- What personally identifiable information of yours is
collected by Beta Health Association, Inc..
- The organization
collecting the information.
- How the information is used.
- With whom the information
may be shared.
- What choices are available to you regarding
collection, use and distribution of the information.
- The kind of security procedures that are in place to
protect the loss, misuse or alteration of information under
- Beta
Health Association, Inc.'s control.
- How you can correct
any inaccuracies in the information.
- If you have questions
or concerns regarding this Privacy Policy, you should
contact Beta Health Association, Inc. using this form.
By accepting the Privacy Policy and User Agreement
in enrollment, you expressly consent to our use and disclosure
of your personal information in the manner described in this
Privacy Policy. This Privacy Policy will take effect on May
25, 2003. This Privacy Policy was last updated on May 22,
2003.
Please note that your personal information
will be stored and processed on our computers in the United
States. Beta Health Association, Inc. will hold and transmit
your personal information in a safe, confidential and secure
environment. If you object to your personal information being
transferred or used as described in this Privacy Policy,
please do not use our online enrollment or fill out the forms
on the Beta Health Association, Inc. web site.
Notification of Changes
This policy may be revised over time as new features are added to the Beta
Health Association, Inc. services or as we incorporate suggestions from our
customers. If we are going to use or disclose your personally identifiable
information in a manner materially different from that stated at the time
we collected the information, you will have a choice as to whether or not
we use or disclose your information in this new manner. Any material changes
will be effective only after we provide you by e-mail with at least 30 days'
notice of the amended Privacy Policy (if you have closed your Beta Health
Association, Inc. account, you will not be contacted to notify you of the
amended Policy and your personal information will not be used or disclosed
in this new manner).
We will post the amended Privacy Policy prominently
on our Web site so that you can always review what information
we gather, how we might use that information, and whether
we will disclose it to anyone. Please check the Beta Health
Association, Inc. Web site at www.betadental.com at any time
for the most current version of our Privacy Policy.
Beta Health Association, Inc.'s enrollment
form and other pages on the Beta Health Association, Inc.
web site include links to third party Web sites. These sites
are governed by their own privacy statements, and Beta Health
Association, Inc. is not responsible for their operations,
including but not limited to their information practices.
Users submitting information to or through these third party
Web sites should review the privacy statement of these sites
before providing them with personally identifiable information.
What is Beta's take on this? A
Special Note About Children. Children are not eligible to
use our service and we ask that minors (under the age of
18) do not submit any personal information to us or use the
service.
B. Information
We Collect
Required Information
To enroll in a Beta Health Association, Inc. dental plan, you must provide
your name, address, Social Security Number, phone number, e-mail address,
employer information and information regarding any dependents you would like
to add to your policy. In order to make payments through Beta Health Association,
Inc., you must provide credit card, debit card or bank account information.
Web Site Traffic Information
Because of the way that World Wide Web communication standards work, when you
arrive at or leave the Beta Health Association, Inc. Web site, we automatically
receive the Web address of the site that you came from or are going to. We
also collect information on which pages of our Web site you visit while you
are on the Beta Health Association, Inc. site, the type of browser you use
and the times you access our Web site. We use this information only to try
to understand our customers' preferences better and to manage the load on
our servers, so as to improve our service and your experience with Beta Health
Association, Inc.. We do not track the Web sites that you visit before or
after you leave the Beta Health Association, Inc. site.
Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we retain such
information in the records of your account. We will also retain customer
service correspondence and other correspondence from Beta Health Association,
Inc. to you. We retain these records in order to measure and improve our
customer service, and to investigate potential fraud. We may, over time,
delete these records if permitted by law.
Questionnaires, Surveys and Profile
Data
From time to time, we offer optional questionnaires and surveys to our users
for such purposes as collecting demographic information or assessing users'
interests and needs. The use of the information collected will be explained
in detail in the survey itself. If we collect personally identifiable information
from our users in these questionnaires and surveys, the users will be given
notice of how the information will be used prior to their participation in
the survey or questionnaire.
C. Our Use and
Disclosure of Information
Internal Uses
We collect, store and process your personal information on servers located
in the United States. We use the information we collect about you in order
1) to provide our services and process your transactions, 2) to provide customer
service, 3) to determine your eligibility to receive offers for special features
or products, such as the Beta Health Association, Inc. Group Plans, and 4)
to improve our products and services.
We give access to individually identifiable
information about our customers only to those employees who
require it to fulfill customer service requests. Disclosure
to Third Parties Other Than Beta Health Association, Inc.
Beta Health Association, Inc. will not sell or rent any of your personally
identifiable information to third parties. Beta Health Association, Inc. will
not share any of your personally identifiable information with third parties
except in the limited circumstances described below, or with your express permission
(and to other Beta Health Association, Inc. customers as described above).
These third parties are limited by law or by contract from using the information
for secondary purposes beyond the purposes for which the information is shared.
- We share information with companies that help us process
the transactions you request and protect our customers'
transactions from fraud, such as sharing your name and
address with a service that processes your online enrollment
payments. Additionally, if your payment is not funded and
you owe us money, we may share information with processing
companies including collection agencies.
- We may disclose the information we collect, as described
in Section B above, to companies that perform marketing
services on our behalf or to other financial institutions
with whom we have joint marketing agreements. These companies
are subject to confidentiality agreements with us and other
legal restrictions that prohibit using the information
except to market the specified Beta Health Association,
Inc .related products or services, unless you have affirmatively
agreed or given your prior permission for other uses.
- We disclose information that we in good faith believe
is appropriate to cooperate in investigations of fraud
or other illegal activity. Specifically, this means that
if we conduct a fraud investigation and conclude that our
site was used for fraudulent transactions, we can give
an investigative entity's contact information (but not
bank account or credit card information).
- We disclose information in response to a subpoena, warrant,
court order, levy, attachment, order of a court-appointed
receiver or other comparable legal process, including subpoenas
from private parties in a civil action.
- We disclose information to your agent or legal representative
(such as the holder of a power of attorney that you grant,
or a guardian appointed for you).
- We share aggregated statistical data with our business
partners or for public relations. For example, we may disclose
that a specific percentage of our customers live in Denver.
However, this aggregated information is not tied to personally
identifiable information.
- As with any other business, it is possible that Beta
Health Association, Inc. in the future could merge with
or be acquired by another company. If such an acquisition
occurs, the successor company would have access to the
information maintained by Beta Health Association, Inc.,
including customer account information, but would continue
to be bound by this Privacy Policy unless an until it is
amended as described in Section A above.
- We share your information with our parent, subsidiaries
and joint ventures to help coordinate the services we provide
to you, enforce our terms and conditions, and promote trust
and safety.
Our Contacts with Beta Health Association,
Inc. Customers
We may communicate with users on a regular basis via e-mail to provide requested
services, and we also communicate by phone to resolve customer complaints or
investigate suspicious transactions. We use your e-mail address to confirm
your enrollment in a Beta Health Association, Inc. dental plan, to send you
notice of payments that you send or receive through Beta Health Association,
Inc., to send information about important changes to our products and services,
and to send notices and other disclosures required by law. Generally, users
cannot opt out of these communications, but they will be primarily informational
in nature rather than promotional.
We also use your e-mail address to send you
other types of communications that you can control, including
the Beta Health Association, Inc. Periodical newsletter,
auction tips, customer surveys and notice of special third-party
promotions. You can choose whether to receive some, all or
none of these communications by contacting us.
In connection with independent audits of our
financial statements and operations, the auditors may seek
to contact a sample of our customers to confirm that our
records are accurate. However, these auditors cannot use
personally identifiable information for any secondary purposes.
Internet Address Information
We use IP addresses, browser types and access times to analyze trends, administer
the site, improve site performance and gather broad demographic information
for aggregate use.
D.
Information Security
Information Security
Beta Health Association, Inc. is committed to handling your customer information
with high standards of information security. Using PayPal.com, your credit
card and bank account information are stored only in encrypted form on computers
that are not connected to the Internet. We restrict access to your personally
identifiable information to employees who need to know that information in
order to provide products or services to you. We maintain physical, electronic
and procedural safeguards to guard your nonpublic personal information. We
test our security systems regularly and also contract with outside companies
to audit our security systems and processes.
E. Accessing
and Changing Your Information
You can request a copy of the personal information
you provided us at any time. Changing the personal information
you provided us can be done by contacting us (See Section "F" below).
F. Contacting
Us
If you have any questions about this privacy
statement, Beta Health Association, Inc.’s information
practices, or your dealings with Beta Health Association,
Inc., you can contact us using this form,
call (303) 744-3007 Monday through Thursday between the hours
of 8am and 4:30pm MST and Friday between the hours of 8am
and 2:30pm MST, or write us at Beta Health Association, Inc.,
609 E. Speer Blvd., Suite #200, Denver, CO 80203 .
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Beta
Health Association Privacy Policy