Privacy Policy & Member Terms of Use

MedicareCU will not sell or rent your members’ personal information.

MedicareCU, in the regular course of business with your credit union, will have access to member information for the purposes of providing Medicare services and education to members. We hold this information in the strictest confidence and do not share it with any third party, except as specifically authorized by the credit union or the member.

Overview

MedicareCU and its Affiliated Companies (collectively “MedicareCU”) take the privacy of members’ personal information very seriously and we will use member information only for the purpose of doing business with us and strive to reduce the risks of fraud to your members, the credit union, and/or to MedicareCU.

Use of Member Information

Information provided to MedicareCU in any manner, including information provided directly from the credit union, collected online from members who place an order, or express interest, or by an authorized Representative or Advisor of MedicareCU, will be used solely to meet the needs of the members relating to securing Medicare services and products. The collection and use of all member information is subject to the terms of your Membership Agreement and any applicable State and Federal law(s) and Regulation(s). Members generally will be contacted by telephone, direct mail, and or e-mail to establish interest in Medicare-related services and products and such contact will be in accordance with the marketing plan established with the credit union and MedicareCU jointly.

When ordering products via email, telephone, U.S. mail, in person, or on MedicareCU’s Website, members may express interest, order products, make requests or register to receive information. Such member-specific information will be used to fulfill the specific request(s) or purpose(s) for which it was provided. Member “testimonials” and praise for our products and services that are provided to us may be used in promotional materials, on the telephone, or on our Website as allowed by applicable law or regulation. However, these “testimonials” will have the personal information suppressed, unless we have received specific permission to include the information; or if it is already in the public domain such as in a magazine article, blog, Website, or other publicly accessible documents.

Collection of Personal Information

Members may access some areas of our websites, or the credit union linked Medicare site, without submitting any personally identifiable information. MedicareCU collects personally identifiable information only if a member chooses to: (a) complete the online forms to request information, register for our programs or meetings through the Site, or (b) post any information on discussion groups, bulletin boards, or forums on the Site. The personally identifiable information that MedicareCU may collect will often include first and last name, e-mail address, street address, and telephone number(s). Under some circumstances, we may also request and collect additional information that is necessary or appropriate for the completion of the Medicare and or insurance application.

All of the information provided by members on the Site is collected and maintained by MedicareCU or service providers acting on behalf of MedicareCU. MedicareCU may also collect certain nonpersonally- identifiable information in connection with the operation of the Site, including Internet Protocol (“IP”) addresses, browser or operating system information, data on buying, selling, and web pages viewed or links clicked, and the websites that members visit before or after they visit the MedicareCU site. Such information is also collected and maintained by MedicareCU or service providers acting on behalf of MedicareCU.

Do We Employ “Cookies” or Other Similar Technologies?

MedicareCU may use “cookies,” log files, clear gifs, and similar programs on certain portions of the Site. MedicareCU does not use cookies or similar programs to retrieve information that is unrelated to a member’s visit or interaction with the Site.

“Cookies” are small text files stored on the member’s hard drive. “Clear gifs” are small graphics files stored on a member’s computer hard drive that are similar in function to cookies. They allow MedicareCU to personalize a member’s experience, provide specialized content and support to members, record session information, compile data regarding the use of the Site, recall visitor preferences and/or simplify the completion of online forms. Most browsers automatically accept cookies, but members can use settings on their browsers to disable or turn off cookies. If a member chooses to reject the cookies used by the Site, they may be unable to access certain areas of the Site, or their use of the Site may be degraded. “Log files” are files that store information such as internet protocol addresses, browser type, internet service provider, pages visited before or after the Site, and similar demographic information for aggregate use to determine how the Site is used.

How We Protect Member Information

To prevent unauthorized access or disclosure, maintain data accuracy, and facilitate the appropriate use of information, MedicareCU uses physical, technological, and administrative procedures to attempt to protect the personally identifiable information we collect. All Advisors are required to use encrypted electronic devices when they contain member information. Nevertheless, Internet transmissions are never completely private or secure but we attempt to use industry best technology to protect personal information.

Use of Members’ Personally Identifiable Information

MedicareCU uses the personally identifiable information we collect about members to provide Medicare-related products or services requested by members. Upon our collection of a member’s personally identifiable information, MedicareCU may use such personally identifiable information internally, separately, or in combination with pre-existing information, for the following purposes:

• To provide any requested services, including;
• To complete the insurance application or transaction;
• To troubleshoot problems with the Site or any products or services, as requested;
• To customize a member’s experience or homepage on the Site;
• To detect and protect against error, fraud and any other unauthorized or illegal activities;
• To contact you with more information about your Medicare product selection;

Disclosure of Personally Identifiable Information

We may disclose personally identifiable information only to those parties, as necessary or appropriate, to provide members with Medicare products and/or services they have requested.

From time to time, we may also disclose aggregate de-identified information about users of the MedicareCU Site to service providers, partners, advertisers or others, but such information will not include personally identifiable information.

We may collect feedback, from members about the performance of Advisors and providers, or about our services or the Site. By providing such feedback to us, members consent to our use, modification, copying, publication, display and/or distribution of such feedback at no compensation or other obligation. Members will acknowledge that all such feedback is owned by MedicareCU and is subject to our Terms of Use, and they will consent to the publication, display, or distribution of feedback, ratings, or reviews.

MedicareCU reserves the right to disclose personally identifiable information if required to do so by law or legal process or otherwise requested by any law enforcement officer or agency acting under color of law. In addition, MedicareCU reserves the right to disclose your personally identifiable information based on the good faith belief that such action is necessary or appropriate to: (a) protect and defend the rights or property of MedicareCU, or (b) act in urgent circumstances to protect the safety or security of the public or of users of the MedicareCU’s services and/or the Site.

Identification and Passwords

In connection with a member’s use of the Site for the services they may choose, MedicareCU or its authorized personnel, may issue the member, a username, password, or other similar access code. In order to protect the privacy of personally- identifiable information and to comply with the Terms of Use, members must keep any such usernames, passwords, or access codes secret. Members may not disclose their user name, password, or access code to any third party, or allow any third party to access their account.

Members must acknowledge and agree that they are responsible for all actions taken using any username, user ID, login or other identifiers (each, an “Identifier”) or password selected by, or issued to, them in connection with the Site. Members must agree to strictly maintain the confidentiality of any password, and should not disclose such password to any other person or entity. Members will agree to notify MedicareCU immediately of any unauthorized use of any Identifier or password or any other breach of security of which they are aware by contacting MedicareCU via email at [email protected] or by phone at 801-793-1680.

Our Retention of Personally Identifiable Information

The personally identifiable information provided to MedicareCU will be stored and maintained until the credit union/ or member instruct us otherwise, or, in MedicareCU’s sole discretion, the longer of: (a) for so long as is necessary, or appropriate, to carry out the purpose(s) for which such information was collected, and (b) for so long as we are required to maintain such information by law and or regulation.

Children’s Privacy

The Site and our services and products are not generally intended for use by any person who is under the age of 18. MedicareCU does not intend to collect any personally identifiable information from children under the age of 18, however, the forms on the Site are capable of collecting contact information from children who furnish it without parental consent or notification.

Choice

MedicareCU does not collect personally identifiable information directly from members unless they choose to provide it. Members may “opt-out” of receiving further information about Medicare related products and services (other than support or other information that a member specifically request by filling out the online form to register your product or to request online support). If, at any time, a member would prefer not to receive further e mail communications from MedicareCU, they will have the ability to unsubscribe from such communications by means of a link provided in every communication sent by MedicareCU. If, at any time, you prefer not to receive any other form of communication from MedicareCU, you will have the ability to unsubscribe from such communications by contacting us at [email protected].

MedicareCU aims to keep personally identifiable information as accurate as possible. Members will have the opportunity to update and correct any personally identifiable information by contacting the Advisor assigned to them. Members must promptly update their contact information if it changes or it is not accurate. As a general policy, MedicareCU will not modify personally identifiable information upon a verbal request, although MedicareCU reserves the right to access, remove or modify such information in its sole discretion. MedicareCU further reserves the right to deny access to your personally identifiable information: (a) when such denial of access is required by law, (b) when granting you access is reasonably likely to negatively impact other people’s privacy, (c) to protect MedicareCU’s rights and property, and (d) when such requests are frivolous and or made in bad faith.

Member Acceptance

This privacy policy (“Privacy Policy”) tells members about the information that MedicareCU collects in connection with its general operations and also the operation of its website (the “Site”). Further, we tell members about how the information is used, and how they can access and correct certain information that we may collect.

Please note that this Privacy Policy applies to information collected from your members and the credit union by MedicareCU directly or via the Site, as well as various operational functions including information obtained or disclosed through offline correspondence or personal contacts with MedicareCU Advisors and or Representatives.

Additionally, the Site may contain links to other entities’ websites that are not controlled or operated by MedicareCU (i.e. the credit union site). This Privacy Policy does not apply to such other websites, and MedicareCU is not responsible for the content of such third-party websites or the privacy practices of such third parties.

Acceptance of This Privacy Policy and Revisions to This Privacy Policy

Members using the Site and providing us with personal information will be required to agree to this Privacy Policy. If they do not agree to this Privacy Policy, they are not given access to use the Site. MedicareCU reserves the right, at our discretion, to change, modify, add or remove portions of this Privacy Policy at any time and from time to time, without prior notice to members or the credit union. All revisions will be posted to the Site. We urge you to review this Privacy Policy frequently for changes and a member’s continued use of the Site means that they accept any changes.

Questions or Comments

MedicareCU welcomes questions and comments about this Privacy Policy. Questions or comments should be directed to [email protected], or by calling us at 801-793-1680. You may also direct any written correspondence to: MedicareCU, LLC 1042 Fort Union Blvd. Suite 1114 Midvale, UT 84047