Throughout the policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as "personal information." Further, personal information includes any information involving your health or medical history.

1. We do not sell, trade or give away your personal information to anyone.
   
2. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.
   
   • Insurance Companies and Licensed Agents. If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your personal information to that agent or agency to process your requested quote or application. Please be assured that the agent or agency is only allowed to use your personal information to process your requested quote or application and is contractually obligated to maintain strict confidentiality.
     
   • Service Providers. We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
     
   • Legal Obligations. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
     
   Outside of these exceptions, we will not share your personal information with third parties.
   
3. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.
   
   • Providing you with a quote or processing your application. We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote.
      
4. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
   
   • If you want to correct or update your contact information, you may contact us by email at customer_service@ihstn.com
     
   • Please note that once your application has been submitted you may have to contact the insurance company directly to update your application.

1. We will provide notice of changes in our information privacy practices.
   
   • If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change.

Additional Information About Privacy and Security at Individual Healthcare Specialists

Please look below to get more information about privacy and security at Individual Healthcare Specialists.

“Cookies”

“Cookies” are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website.  Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes and applying for an insurance policy.

Browsers and Internet Security

You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Internet Explorer or Netscape Navigator, you will see either a lock or a key. When the padlock is in the locked position, your session connection is taking place via a secure server.

If you need a strong encryption browser, you can go to the Microsoft website or the Netscape website to download the latest Internet Explorer or Navigator browser. We do not recommend the use of beta browser versions.

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are "clicking" to another website. Individual Healthcare Specialists is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.