Golden Outlook, Inc. Privacy Policy

Introduction

Effective Date: September 13, 2019.

Last Updated: March 14, 2024

Notice of Privacy Practices

Once your enrollment is complete, your health plan will provide you with a notice of privacy practices. This notice will describe how your health information may be used and disclosed under the Health Insurance Portability and Accountability Act (“HIPAA”) and how you can get access to this information.

Golden Outlook, Inc. (“we” or “our” and “Company”) and its affiliates are dedicated to making health easier to navigate, value your privacy, and are committed to protecting your personal information. This Privacy Policy (“Policy”) makes disclosures concerning our collection of personal information through the use of this website and services (collectively “Services”), purposes of collection, sources of collection, and measures we use to protect your personal information. Golden Outlook Inc. owns HelloMedicare® and all data management services and processes.

Portions of this website may describe privacy practices applicable to specific types of information or to information provided on specific web pages. This Policy does not apply to information collected by telephone or in person, although that information may be protected by other privacy policies. This website is intended for a United States audience. Any information you provide, including any personal information, will be transferred to and processed by a computer server located within the United States.

Personal Information We Collect

Depending on how you use our Services, we may collect information directly from you, from third parties, and automatically. This information may include information that identifies you such as:

Personal information you provide. For certain activities, such as when you register, create an account, subscribe to our services, and newsletters, or contact us directly, we may collect some or all of the following types of information:

• First and last name
• Email address
• Mobile phone number
• Gender
• Date of birth
• Disability status
• Zip code

Personal Information Provided by Third Parties. We may collect some or all of the following types of personal information from third parties when you choose to import your health records into our application:

• Healthcare providers you see
• Prescriptions you take
• Pharmacies you use
• Health conditions you have

Personal information we collect automatically. We may collect certain categories of personal information automatically when you use our website:

• IP address (e.g., geolocation)

How We Use Your Personal Information

This website may include web pages that allow you to provide us with personal information about yourself. You do not have to provide us with personal information if you do not want to; however, that may limit your ability to use certain functions of this website or to request certain services or information. We may use personal information for several purposes such as:

• To create an online account for you.
• To send you email reminders about enrollment dates.
• To respond to an email or particular request from you.
• To personalize the website for you.
• To process an application as requested by you.
• To administer surveys and promotions.
• To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
• To recommend Medicare Advantage insurance plans, verify identity, and import health records, once a voluntary HIPAA authorization has been completed.
• To perform analytics and to improve our products, websites, and advertising.
• To comply with applicable laws, regulations, and legal processes.
• To protect someone's health, safety, or welfare.
• To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use.
• To keep a record of our transactions and communications.

We may use personal information as necessary or useful to conduct our business, so long as such use is permitted by law. We may use personal information to contact you through any contact information you provide through this website, including any email address, telephone number, cell phone number, text message, or fax number. Please see the section below titled “Our Online Communication Practices.” We may also share personal information within the Company, and we may combine personal information that you provide us through this website with other information we have received from you, whether online or offline, or from other sources such as from our vendors. For example, if you have purchased a product or service from us, we may combine the personal information you provide through this website with information regarding your receipt of the product or service.

How We Share Your Personal Information

We will only share your personal information with third parties as outlined in this policy and as otherwise permitted by law. We may share personal information if all or part of the Company is sold, merged, dissolved, acquired, or in a similar transaction. We may share personal information in response to a court order, subpoena, search warrant, law, or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting illegal activities, violate our rules, or may be harmful to other visitors. If you submit information or post to a chat room, bulletin board, or similar “chat” related portion of this website, the information you submit along with your screen name will be visible to all visitors, and such visitors may share with others. Therefore, please be thoughtful in what you write and understand that this information may become public. We may also share personal information with other third-party companies that we collaborate with or hire to perform services on our behalf. For example, we may hire a company to help us send and manage email, and we might provide the company with your email address and certain other information for them to send you an email on our behalf. Similarly, we may hire companies to host or operate some of our websites and software applications. This website may permit you to view your visitor profile and related personal information and to request changes to such information. If this function is available, we will include a link on this website with a heading such as “My Profile” or similar words. Clicking on the link will take you to a page through which you may review your visitor profile and related personal information. We may contract with third-party companies to procure health records to recommend Medicare Advantage plans, based on your health history, with your express permission.

Cookies and Tracking

The Company uses various technologies, which may include “cookie” technology, to gather information from our website visitors such as pages visited and how often they are visited, and to enable certain features on this website. “Cookies” are small text files that may be placed on your computer when you visit a website or click on a URL. Cookies may include “single-session cookies” which generally record information during only a single visit to a website and then are erased, and “persistent” cookies which are generally stored on a computer until they are deleted or set to expire. You may disable cookies and similar items by adjusting your browser preferences at any time; however, this may limit your ability to take advantage of all the features on this website. You may also manage the use of “flash” technologies, with the Flash management tools available at Adobe's website. Note that we do not currently respond to web browser “Do Not Track” signals that provide a method to opt out of the collection of information about online activities over time and across third-party websites or online services because, among other reasons, there is no common definition of such signals and no industry-accepted standards for how such signals should be interpreted. We may also allow third-party service providers to use cookies and other technologies to collect information and to track browsing activity over time and across third-party websites such as web browsers used to read our websites, which websites are referring traffic or linking to our websites, and to deliver targeted advertisements to you. We do not control these third-party technologies and their use is governed by the privacy policies of third parties using such technologies. For more information about third-party advertising networks and similar entities that use these technologies, see https://www.aboutads.info/consumers, and to opt out of such ad networks and services' advertising practices, go to https://www.aboutads.info/choices. Once you click the link, you may choose to opt out of such advertising from all participating advertising companies or only advertising provided by specific advertising companies. We may use analytics companies to gather information and aggregate data from our website visitors such as which pages are visited and how often they are visited, and to enable certain features on our websites. Information is captured using various technologies and may include cookies. If such technology is used, you may opt out of it by clicking on the “Opt Out” option at the bottom of the page after clicking this link: https://www.aboutads.info/choices.

Website and Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information that you provide on this website. However, no security system is impenetrable and we cannot guarantee the security of our website, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the Internet, and we are not liable for the illegal acts of third parties such as criminal hackers.

Our Online Communication Practices

We may send electronic newsletters, notifications of account status, and other communications, such as marketing communications, periodically to various individuals and organizations. We may also send email communications regarding topics such as general health benefits, website updates, health conditions, and general health topics. We offer you appropriate consent mechanisms, such as opt-out, for marketing and certain other communications. For example, you may opt out of specific email communication or contact us as described below in the “Contact Us” section. Please be aware that opt-outs may not apply to certain types of communications, such as account status, website updates, or other communications.

Information for Children Under 13

We will not intentionally collect any personal information from children under the age of 13 through this website without receiving parental consent. If you think that we have collected personal information from a child under the age of 13 through this website, please view the “Contact Us” section below to contact us.

Protected Health Information

In certain contexts, Golden Outlook Inc.’s use and disclosure of Your PHI are governed by HIPAA.

When You use the health record import Services to automatically import your health information to get Medicare Advantage plan recommendations, all PHI that You submit is used and disclosed by Golden Outlook Inc. as a Business Associate (as defined by HIPAA) according to the terms of a Business Associate Agreement between Us and the health information Provider. This means that Golden Outlook Inc. may only use and disclose Your PHI for plan recommendation services offered.

Managing Your Protected Health Information

Can You opt out of Golden Outlooks Inc.'s use and disclosure of Your Protected Health Information (PHI) or access, change, or remove Your Protected Health Information?

When You use the health record import services, You may receive various administrative e-mails automatically sent by Golden Outlook Inc. Golden Outlook Inc. treats as PHI all personally identifying information that You submit when you request to import your health records to our application. As described in the "How we use your Personal Information" section above, PHI is used and disclosed by Golden Outlook Inc. according to the terms of its Business Associate Agreement with health data providers. You are not required to share your PHI to use our applications. Until the termination of Our Business Associate Agreement with a particular health data provider, Golden Outlook Inc. can use and disclose Your PHI as described in the "How we use your Personal Information” section above following the termination of Your account with Golden Outlook Inc.

State Consumer Privacy Law Notice

If you are a resident of the states of California, Colorado, Connecticut, Utah, or Virginia, you may review our State Consumer Privacy Law Notice here.

Additional Rights For California Residents

California “Shine the Light” Privacy Rights

California law permits our customers who are California residents to request certain information regarding the disclosure of certain personal information to third parties for their direct marketing purposes.

If we have disclosed any personal information to third parties for direct marketing purposes, we will provide a list of the categories of personal information, along with the names and addresses of these third parties to you at your request. To make such a request, write to us at the email address found in the Contact Us section of this Policy.

This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the specified email or postal address. You should put "California Privacy Rights-Direct Marketing" in the email subject line and the body of your request. You must provide us with specific information regarding yourself so that we can accurately respond to the request.

Social Media Disclaimer

We encourage you to read, share, follow us, and provide commentary on Facebook®, and other social media sites ("Social Media Site"). Before you post on our pages or accounts, please make sure you read our social media disclaimer:

We are under no obligation to screen or monitor your posts or any other user content; however, we reserve the right to monitor participation to ensure that you stay on topic, are courteous, and avoid making offensive comments. Your posts and user content must adhere to the following requirements and cannot:

• Contain any third-party material including logos, drawings, tattoos, photographs, pictures, sculptures, paintings, and other images or works of art, phrases, trademarks, trade secrets, or other items without explicit, prior, written permission to use such materials;
• Contain sexually explicit, graphic, gratuitous, or unnecessarily violent content or defamatory or derogatory content against any ethnic, racial, gender, religious, sexual orientation, professional or age group, or contain any pornographic or nude material;
• Contain any private information about yourself or any other individual, including without limitation, information related to the health of the individual, financial information about the individual, or any identification or account numbers related to the individual, with or without their permission or consent;
• Contain any software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment; and
• Contain any advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or promote illegal activity and/or illegal contests, sweepstakes, or gambling, including any online casino, sports books, bingo, poker, or any other form of solicitation.

We reserve the right to edit comments for content, remove off-topic contributions, delete offensive comments or remarks, block offensive contributors, and delete actual or suspected spam content from any Social Media Site. Please be aware that once you post something online, there is the potential for numerous individuals to read your words, even years from now. Therefore, we suggest that you exercise caution when posting on any Social Media Site and not disclose information like your location, personal medical information, financial information, etc. We are not responsible for the content of any comments or responses posted by others to any Service or Social Media Site we manage or monitor. We do not control the placement of any marketing or advertising displayed on our pages by social media or third-party organizations.

Please remember that content posted on any of our social media profiles or platforms is for general informational purposes only and should not be considered medical advice and should not replace a consultation with your health care or financial professional. Always consult an appropriate health care or financial professional for your specific needs. If you are experiencing a medical emergency, call 9-1-1 or your local emergency number.

We reserve the right to respond to any post or user content and may occasionally privately request your contact information to assist you offline, with your consent, by routing the matter to the appropriate persons or department for further handling.

All trademarks are the property of their respective owners.

Contact Us

To contact us regarding this policy, contact us at 5995 Plaza Drive, CA112-1000, Cypress, CA 90630, or info.medicare@hellomedicare.com. If you believe we or any company associated with us has misused any of your information please contact us immediately and report such misuse.