We receive most of our information directly from you on applications for insurance and other related forms. We may also collect personal information about you from any of your other transactions with us, our affiliates, or others. Third party sources of personal information might include government agencies, consumer reporting agencies, courts, and other public records. The types of personal information we gather depends on the nature of your insurance transaction.
We do not disclose any nonpublic information about you to anyone, except as authorized or as permitted or required by law. We do not sell or otherwise disclose your personal information to anyone for purposes unrelated to our products and services.
We may disclose your personal information to underwrite your health insurance coverage, process and record your premium payments, communicate your eligibility for benefits as provided in the policies, protect you against fraud, and service your health insurance claims. For instance, we may provide insurance companies, medical healthcare providers, third-party claims administrators, and employers or schools (as applicable) with information confirming that insurance premium has been received paying for insurance coverage during a specific period of time, and with information confirming that specified medical services were provided and are eligible for payment.
From time to time, we may disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We may also provide information to a court, government agency, or other third parties when subpoenaed or as otherwise required by law. Further, in the event Malholtra is subject to a merger or acquisition, we may provide information to the new owners of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.
We restrict access to information about you to those employees and third parties who need to know that information in order to provide the benefits and services pertinent to your insurance policy. All personal information exchanged with third parties (such as health care providers, insurance companies, and entities administering claims) is restricted by confidentiality agreements. Our employees are trained and required to safeguard all such information. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect information about you from disclosure. If, at any time in the future, it is necessary to disclose any of your personal information in a manner that is inconsistent with this Policy, we will give you advance notice of the proposed change so that you will have the opportunity to consent or refuse consent to such disclosure.
We will apply the policies discussed above in the event we propose to disclose your information to a third party. If we propose to disclose your information to a third party that is acting as our agent or on our behalf, we will ensure that the third party has agreed to assure adequate protection of your information.
While you are using our site, Malholtra collects information on the pages you have visited and the contents of those pages, any information you input, your time of visit and related session information, your requested page, and the status of your request (successful reply) through the use of Google Analytics and other related services. This information enables us to tell which areas of the site are of most interest to our visitors. We use this information to manage and customize our web site content, layout, and services, to improve our site and enhance customer service. The Google Analytics terms specify that no personally identifiable information may be collected through the Google Analytics software. For more information on how Google Analytics collects and processes data visit: https://policies.google.com/privacy/partners.
If you choose to contact us by email, your email address will be revealed to us in the message you send. If you are a policyholder and choose to set up an online access account to your billing, policy, or claim information, you will be required to provide us with your email address when registering for the first time. Your email address is used as part of our security process and will be your contact address should you forget your private password or used id. Likewise if you choose to participate in some of our online electronic services, we will need your email address to provide the requested services. Your email address will only be used by Malholtra or your independent agent or broker for the specific purpose of responding to your comments, questions, or communicating information to you about your insurance policy(s). We will never sell your email address or share it with any others except as permitted by law.
This site employs security measures to help protect against loss, misuse and alteration of the information under our control. The personal information you provide is secured using industry standard Secure Sockets Layer (SSL) encryption technology. SSL technology is used to prevent such information from being intercepted and read as it is transmitted over the Internet. The encrypted information goes to a secure site where your information is stored on restricted-access computers. Malholtra maintains security procedures to help prevent unauthorized access to your information. These procedures are tested and audited periodically to determine their integrity.
Transmitting information or sending e-mail messages via the Internet is never completely secure. They may be intercepted, collected, used or disclosed by others. We are not responsible for the security of any confidential communication you send to us via the Internet. We encourage you to communicate confidential information either through the mail, express delivery service, or by telephone.
Our web site may contain links to other web sites. If you choose to go to these external websites, you will be subject to the privacy practices of those external websites; Malholtra is not responsible for the privacy practices of those websites. We encourage you to be aware when you leave our Site to read the privacy policies or statements of every website you visit, as those privacy policies or statements may differ from ours. Our Privacy Statement applies solely to the Sites where this Privacy Statement appears.
Malhotra & Associates, LLC
Attention: Privacy Manager
1050 Lexington Avenue
Mansfield, OH 44907