GeoBlue Online Privacy Policy

Effective Date: 02/20/2020

Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York) trading as GeoBlue® ("GeoBlue") is committed to maintaining the privacy and security of your personal information. This Online Privacy Policy applies to personal information we may obtain from users of GeoBlue’s websites (the “Sites”) and describes how GeoBlue may collect, use, or share personal information about you; your choices about our use of your personal information; how we safeguard your personal information; and how you may contact us regarding GeoBlue’s privacy practices. This Online Privacy Policy does not address personal information that you provide to us in other contexts.

By using our Sites, you signify your acceptance of this Online Privacy Policy and our collection, use, or sharing of your personal information as described in this Online Privacy Policy

Personal Information We Collect

Information You Provide to Us.GeoBlue may collect information from you through your use of our Sites (for example, when creating an account, filing a claim, or using our contact form). This information may include personal information, which is information that can be used to identify you individually (for example, your name, physical address, telephone number, email address, payment information, insurance carrier, and healthcare provider).

GeoBlue is subject to federal healthcare privacy and security standards under the Health Insurance Portability and Accountability Act (“HIPAA”). GeoBlue will safeguard the privacy and security of your protected health information in accordance with all applicable HIPAA requirements.

Automatically Collected Information. We use various tools and technologies, such as cookies and web server logs, to collect information automatically when you visit our Sites. This information may include IP addresses, device identifiers, referring URLs, time and length of visits, and pages viewed.

• Cookies – Cookies are small data files that a website transfers to a user’s computer. Cookies may allow a website to recognize your device, record your user preferences, and track the pages you click on while visiting our Sites. GeoBlue uses cookies to improve your online experience when using our Sites. Many websites use cookies as a standard practice to provide useful features when a user visits the website, and most web browsers are set up to accept cookies by default. You can set your browser to refuse cookies, but some portions of our Sites may not work properly if you refuse cookies. Also, disabling cookies may invalidate opt outs that use cookies to identify devices that have opted out.
• Web Beacons – Some of our Sites’ web pages may use web beacons in conjunction with cookies to compile aggregate statistics about Site usage. A web beacon is an electronic image (also referred to as an “action tag,” “single-pixel,” or “clear GIF”) that is commonly used to track the traffic patterns of users from one web page to another in order to maximize web traffic flow and to analyze the effectiveness of websites. Some web beacons may be unusable if you elect to reject their associated cookies.
• Web Server Logs – An IP address is a number that automatically identifies the computer/machine you have used to access the Internet. The IP address enables our server to send you the web pages that you want to visit, and it may disclose the server owned by your Internet service provider. GeoBlue may use IP addresses to conduct Site analyses and performance reviews and to administer our Sites.

Some Internet browsers include the ability to transmit “Do Not Track” signals. Uniform standards for “Do Not Track” signals have not yet been adopted. Like many websites, GeoBlue’s Sites do not process or respond to “Do Not Track” signals. To learn more about “Do Not Track” signals, visit www.allaboutdnt.comopens in a new window.

Please note that we or third parties may collect personal information about your online activities over time and across different devices and online properties when you use our Sites.

How We Use Personal Information

GeoBlue may use your personal information collected through our Sites for various purposes, including:

• Communicating with you, including responding to your requests for information and other inquiries
• Improving our Sites and facilitating your user experience
• Monitoring our Sites and analyzing usage trends and user activities
• Processing your claims and other transactions
• Marketing our products and services
• Preventing, investigating, identifying, or taking other actions with regard to suspected or actual fraudulent or illegal activity or activities that violate our policies
• Complying with applicable laws, regulations, legal processes, industry standards, and our company policies
• For any other purpose with your consent

How We Share Personal Information

GeoBlue may share your personal information with our affiliates, business partners, and vendors that provide services on our behalf. These third parties are not meant to use personal information except for the purpose(s) for which the personal information was provided.

• GeoBlue will not sell, rent, license, or trade your personal information to third parties for their own direct marketing use unless we receive your consent to do so.
• All information you provide to GeoBlue through our Sites, including medical information and other sensitive personal information, may be communicated by phone, fax, or email to a healthcare provider designated by you. This information may be shared whether or not you are ultimately seen by that healthcare provider.
• GeoBlue may share your personal information under confidentiality agreements with other vendors, such as a cloud hosting service or a document storage company. These vendors, which may include members of GeoBlue’s corporate family, may use your personal information to assist GeoBlue in its operations. We may share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or as otherwise required by law. We may provide your personal information in response to subpoenas, search warrants, court orders, other legal processes, governmental regulations, or to establish or exercise our legal rights or defend against legal claims. We also may disclose personal information as necessary in response to activities that are unlawful or in violation of GeoBlue’s terms and conditions applicable to our Sites, or to protect and defend our rights or property.
• In the event of a business transaction, including negotiations of such a transaction, (for example, the sale, reorganization, liquidation, assignment, merger, or other transfer of all or a portion of GeoBlue’s business to another business entity) we may share your personal information obtained through our Sites.

Linked Websites

Our Sites may contain links to other websites that may offer information of interest to you. Unless indicated otherwise, this Online Privacy Policy does not apply to those websites, which may have their own privacy policies or notices that you should review to understand how they may collect, use, or share your personal information. GeoBlue is not responsible for the content or privacy practices of linked websites that it does not control.

Analytics and Marketing

We may use third-party technology to collect and use data in connection with interest-based advertising. These ad technology companies and advertisers may use, store, or access cookies, web beacons, and other storage technologies to collect or receive information from our Sites and elsewhere on the Internet and use that information to provide advertising services to us, including targeted interest-based advertisements delivered over time and across online services and devices.

We may use certain web analytics and marketing services to help us understand and analyze how visitors use the Site and to serve ads on our behalf across the Internet. Through these analytics and marketing services, we may use first-party cookies or other first-party identifiers as well as third-party cookies or other third-party identifiers to create a profile of you, measure your interests, detect your demographics, detect your general location, personalize content and deliver advertisements based on your engagement online and with our Sites.

To find out more about how these analytics services manage the privacy of information in conjunction with delivering ads online and how to opt out of information collection by these networks, visit www.youradchoices.comopens in a new window and www.networkadvertising.orgopens in a new window.

Please note that we do not control how other parties manage their opt-out processes.

Security

GeoBlue takes reasonable measures to protect personal information collected through the Sites from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. For example, when registering as a GeoBlue member or when requesting, accepting, or reviewing medical appointments, you will use the GeoBlue secure server. Through encryption, the personal information that users enter, including credit card numbers and social security numbers, cannot be read easily as the personal information travels over the Internet. Nevertheless, transmission via the Internet and online digital storage are not completely secure, so we cannot guarantee the security of your personal information collected through our Sites.

You are responsible for maintaining the confidentiality of your GeoBlue account password. Never share your GeoBlue password with anyone you do not want to access your account, and inform GeoBlue of any need to deactivate an account or password. If you have a security concern about your account, contact GeoBlue by email at privacy@geo-blue.com opens in a new window or by phone at +1 (855) 282-3517.

Your Choices

You have the opportunity to opt out of receiving communications from GeoBlue in various places on our Sites. You also may review and request changes to your personal information that GeoBlue has collected by emailing us at privacy@geo-blue.com opens in a new window. You also may mail your request to the following postal address:

Worldwide Insurance Services
c/o Customer Service
933 First Avenue
King of Prussia, PA 19406

Children's Privacy

GeoBlue's Sites are not directed to children, and GeoBlue does not knowingly collect personal information from children under the age of 13. If we learn that we have received personal information from a child under the age of 13 through our Sites, we will delete the information in accordance with applicable law.

California Residents

View GeoBlue's California Privacy Rights Notice.

Information for Users Outside the United States

If you are visiting GeoBlue’s Sites from outside the United States, please be aware that personal information we obtain about you may be processed in the United States or in other countries. By using our Sites, you acknowledge your personal information may be transferred to and processed in countries outside your own. Please be aware that the data protection laws and regulations that apply to your personal information in other countries may differ from the laws where you are located.

View GeoBlue's European Union GDPR Privacy Notice.

Policy Updates

This Online Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. We display an effective date on the policy in the upper right corner of this Online Privacy Policy so that it will be easier for you to know when there have been material changes. Your continued use of the Sites following the posting of changes to the Online Privacy Policy will mean that you accept those changes.

Questions?

If you have questions about this Online Privacy Policy or about GeoBlue’s handling of your personal information, please contact us by email at privacy@geo-blue.com opens in a new window or by phone at +1 (855) 282-3517.