We take privacy and security issues seriously and
encourage you to consider impact of the privacy policies of
each relevant entity before sharing your personal
Information collected. During the regular course of our work, OnlineAdviser receives personal information
about our clients. At a minimum, we collect your name, state
of residence and e-mail address. You may also choose to
provide additional information about personal medical
issues, financial account information or
Non-disclosure. Except as explained below, your
personal information is not shared with anyone and is used only to answer the questions that you may
ask the adviser.
Authorized Disclosure. You may request that we communicate with another person
or entity with regard to your insurance issue. For example,
you may ask whether you meet the medical eligibility
requirements for an insurance plan based on your specific
medical history. In those cases we share the minimum
information necessary to complete the service requested.
Other companies. Each other company, insurance exchange, government entity
of these policies vary significantly from our own.
Additionally, federal and state laws affecting these
entities are designed to both protect and to further
distribute your personal information.
Security. We maintain internal information security measures that meet or
exceed the standards of the financial services industry.
However, neither our services nor our Web sites are intended
to meet the security requirements of HIPAA for personal
health information nor do we handle online financial
transactions. Both of these require secure connections that
are handled by other companies away from our Web site. We
use standard commercial e-mail, telephone and Internet
connections, not secured e-mail, telephone or Internet.
Security is maintained through the use of passwords,
firewalls and other conventional forms of online business
We provide clients with a private and secure
online portal service for the transfer of any documents to
the adviser. We suggest that you do not send sensitive
personal information by text or email.
Online storage and access: We utilize
Balance Financial for secure online storage and
management of all personal financial information. All
clients are provided with a basic account and access to this
service at no additional charge. We believe that the
security features of this service meet or exceed the
security measures used by commercial banks and other
financial institutions. While the risk of beach cannot fully
be avoided, we believe that the risk is minimal especially
in comparison to other types of security and privacy risks.
Publishing. We republish generic edited health insurance questions and our responses
after removing all personally
identifying information. For example, if
you send us a message asking whether a specific medical
insurance plan is available to diabetics, we may republish that question without your name
or any other personal information removed.
Contact. If you have any concerns about privacy issues on this Website please contact
Tony Novak, OnlineAdviser service manager, at
the address below.