Barakat Insurance – Privacy Policy

 

We receive and store any information you knowingly provide to us. For example, when you enroll in one of our plans, you (or the applicable state or federal exchange, depending on how you enroll) provide us with some information about you, including your name, address, social security number, age, annual household income and if applicable, names and ages of your immediate family members. 

Barakat Insurance also maintains data that has been provided to us or uploaded to Healthcare.gov by us or you, according to the required time request by CMS.

We maintain policy information, claims information, information about prior authorizations that you need assistance with; and any other information required to provide you with the insurance representation that you need.

In some cases, we may request additional consent from you if we think that there is other information that will help us better regarding assistance.

If you have provided your contact information to us, we may store and use that information to contact you for marketing and promotional purposes by various means; including regular mail, email, telephone, including voicemail, or SMS/MMS (text message).   

We have no control over the policies and practices of third party websites or businesses as to privacy or anything else, if you so choose to take part in any program or service relating to our company, or even an affiliated business of ours. Please review all their notices such businesses’ or websites’ policies. We may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services. To the extent permitted by law, and if you have provided your contact information to us, we may store and use that information to contact you about your care and benefits by various means, including regular mail, email, telephone including voicemail, or SMS/MMS (text message). By voluntarily opting to have text messages sent directly to your mobile phone you agree to our test messaging and conditions. We may also use your information to notify you about payment information and/or to communicate with you about your Account; or any other specific information affecting your status. You will have the ability to opt out of any marketing or advertising communications, but we may still send you communications relating to your Account for purposes important to the Services, such as password recovery or a payment reminder.

If you choose to have us assist you with your payments with the carriers, we DO NOT collect or maintain any billing information.  All billing information is immediately deleted, and you must be prepared to offer it again.

 

You should also be aware that when you use our Services, we collect certain “usage data,” such as the number of visitors we receive or what pages are visited most often. This data helps us to analyze and improve the usefulness of the information of our Services.

We may also collect, or receive from third parties, information based on your IP address that provides us your geolocation data in order to identify relevant markets for users down to a ZIP code level of detail and to provide a better mobile experience. We do not store, sell, disclose or use this data to serve advertisements.

Like most commercial website owners, we may use what is known as “cookie” technology. A “cookie” is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site.

Our cookies do not extract other personal information about you, such as your name or address. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features.

We may also use what is known as “client-side page tagging,” which uses code on each page to write certain information about the page and the visitor to a log when a page is rendered by your web browser. This technique is also commonly used on commercial websites.

“Tagging” does result in a JavaScript program running on your computer, but it is limited to providing information about the page that you are requesting and the configuration of your browser. It will not read any of your data files, or execute any additional programs. It does not extract any personal information about you, such as your name or address. You can prevent tagging by disabling JavaScript in your browser, but that may prevent you from using all of our Site’s functions.

Because there is not yet a common understanding of how to interpret the “Do Not Track” signal, we do not currently respond to browser “Do Not Track” signals.

We do not rent or sell your Personal Information in personally identifiable form to anyone. We may share your Personal Information with third parties as described in this section.

Barakat Insurance will not sell, license, transmit or disclose outside of our company the information you provide to us unless (a) Expressly authorized by you, (b) Necessary to enable our Business Associates to perform certain functions for us, or (c) Required or permitted by law.

In all cases, we will disclose the information consistent with applicable laws and regulations and we will require the recipient to protect the information and use it only for the purpose it was provided and as necessary to assist us.

Barakat Insurance takes the Health Insurance Portability and Accountability Act of 1996 (HIPAA) seriously and provides appropriate safeguards to your protected health information (PHI) – this may include your name, address, social security number, email address, telephone number and certain health data.

Also, if we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, Personal Information could be one of the assets transferred to or acquired by a third party.

We may retain your information as needed for business purposes.

Notwithstanding any provision to the contrary, we will retain, access, use and disclose your information as we believe is necessary to comply with our legal obligations, resolve disputes, enforce our Terms of Service and other agreements, or to protect the rights, property or safety of Barakat Insurance, our employees, our users or others.

For more information about our privacy practices, including what information is provided to our Business Associates for payment, treatment and healthcare operations purposes, please see our Notice of Privacy Act.

 

We welcome your comments or questions about our Site and Services. You can email your comments to our company at support@barakatinsurance.com. We will share your comments, questions & concerns with our employees most capable of addressing them.

Please note that your email, like all non-encrypted Internet email communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use email to communicate information to us that you consider confidential. If you wish, you may contact us instead by telephone at 407-705-3877.

Each marketing email we send to you contains an unsubscribe link through which you may easily opt-out of receiving future commercial emails from us.

If you do not wish to receive additional commercial emails from Barakat, simply click the unsubscribe link and follow the instructions to unsubscribe your email address.

If you have unsubscribed but continue to receive email from us or from one of our customers, you may report this to us by calling 407-705-3877. Please note that unsubscribe requests may take up to 7 – 10 days to process. You will have the ability to opt out of any marketing or advertising communications, but we may still send you communications relating to your Account for purposes important to the Services, such as password recovery or a payment reminder.

From time to time, Barakat Insurance may provide links to other websites that we believe is beneficial or news worhty, but these sites are not owned or controlled by Barakat Insurance.  Herein, they may be subject to separate terms and conditions & privacy policies – which may not be the same for our industry.

While we try to be proactive and ensure that appropriate protections are in place, we cannot be responsible for the privacy practices used by other website owners or the content or accuracy of those other websites.

Links to various non-Barakat Insurance websites do not constitute or imply endorsement by us of these websites, any products or services described on these sites, or of any other material contained in them. Nor, our we responsible if something were to happen on their site that affected you.

Barakat Insurance adheres to stringent security standards designed to protect non-public personal information against accidental or unauthorized access or disclosure.

We are committed to being HIPAA compliant and ensuring that our Business Associates meet the same standards.

We also review Business Associates privacy and security policies on a regular basis.

For registered users, your Account is protected by a password for your privacy and security.

You must prevent unauthorized access to your Account and Personal Information by selecting and protecting your password and/or other sign-on mechanism appropriately and limiting access to your computer or device and browser.

We endeavor to protect the privacy of your Account and other Personal Information we hold in our records, but unfortunately, we cannot guarantee complete security.

Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.

 

You have the ability to request all your information be removed from our system.  Unfortunaley, Federal laws dictate that we maintain some form of your data for up to ten (10) years.  If you request to be completely deleted & removed from our systems, we do not have control over any of our BBA’s systems.  On our end, we will comply; remove such data; however shift it to a secure disk.  In that manner, we have complied with your request & at the same time, complied with all other Federal & State Laws.  Upon the 10th year, all your data will be completely deleted.

 

Barakat Insurance may change our Privacy Policy any time.

If you have any questions regarding our privacy policy, then:

Call 407-705-3877.