Effective 12/1/2006

This Privacy Policy covers the following website: www.nyhealthinsurer.com

Commissions & Application Fee

Vista Health Solutions is an online health insurance brokerage specializing in the needs of the individual and the self employed. Our goal is to advise & assist in the implementation of health insurance plans throughout New York. We are not affiliated with any specific insurance company or government agency. We offer Health Insurance plans to the public in which we receive commission compensation directly from the insurance company. For individuals that elect to purchase a health insurance plan not sold through the NY State of Health Insurance Marketplace, an application processing fee per application may be charged. The reason for this processing fee is to cover the cost of completing your application, reviewing your application, and providing routine follow-ups with the insurance company to make sure that your application is being processed accordingly. For self employed persons that elect to join a labor union & purchase their health insurance plan, we are required to collect union dues. Additionally we charge an application processing fee per application (the reason why this fee is charged is listed above). We do our best to make sure that your application will be approved; however it is the insurance company who makes the final decision on an approval or denial.

Health Marketplace Insurance Plans

Vista Health Solutions is not affiliated with any government body or the NY State of Health Insurance Marketplace. We offer for sale health insurance plans originating from the NY State of Health Marketplace. All Marketplace health insurance premiums listed on nyhealthinsurer.com originate from the actual insurance carrier or the Marketplace itself. Any calculations provided on nyhealthinsurer.com pertaining to premiums, subsidies & tax credits originate and are estimates calculated by nyhealthinsuer.com. Actual premiums, subsidies and tax credits may only be calculated and offered by NY State of Health. Fees are never added to Marketplace health plans. Our online form is not a health insurance application but rather a preliminary form used to gather initial data required to setup a userís account with Vista Health Solutions. The only way for individuals to apply for premium health care tax credits is through the NY State of Health Marketplace.

Application Form

If youíre providing information to apply for insurance on our web site, we require that you provide certain personally identifiable information. That information will consist of your Name, Address, Daytime Telephone & email address. For spouse & dependant insurance coverage we require the same personally identifiable information for each person applying. We collect this information because it will be used to process your application and to contact you.

In order to utilize the services offered by this website, you must first complete the application form. During the application process you are required to give contact information (such as name, home address, telephone number and email address). We use this information to contact you about the services on our site in which you have expressed interest.

You have the option to provide business information (such as the type of business and the date the business started) to us; we encourage you to submit this information so we can provide you a more personalized experience on our site.

Upon receiving an application Vista Health Solutions may contact you by telephone and/or email in order to gather all the information required to complete an application for health insurance. Vista Health may also send periodic newsletters and promotional emails regarding their services. The applicant has the option of opting out of these periodic correspondences by replying to the appropriate unsubscribe links and email addresses contained within these messages.

Vista Health Privacy Policy

Vista Health Solutions is the sole owner of the information collected on www.nyhealthhinsurer.com . Vista Health Solutions collects personally identifiable information from our users at several different points on our Web site. If you have questions or concerns regarding this statement, you should contact Vista Health Solutions at info@nyhealthinsurer.com

Electronic Signature Agreement

By selecting the checkbox “I`VE READ THE LEGAL NOTICE & DISCLAIMER” & by clicking the “SEND” button, you are signing this Agreement electronically. You agree your electronic signature is the legal equivalent of your manual signature on this Agreement. By selecting the checkbox “I`VE READ THE LEGAL NOTICE & DISCLAIMER” & by clicking the “SEND” button you consent to be legally bound by this Agreement’s terms and conditions. You further agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action, or to otherwise provide Vista Health Solutions instructions through nyhealthinsurer.com, or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions constitutes your signature (hereafter referred to as “E-Signature”), acceptance and agreement as if actually signed by you in writing. You also agree that no certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and Vista Health Solutions. You also represent that you are authorized to enter into this Agreement for all persons who own or are authorized to access any of your accounts and that such persons will be bound by the terms of this Agreement. You further agree that each use of your E-Signature in obtaining a Vista Health Solutions Transaction On-Line constitutes your agreement to be bound by the terms and conditions of the Vista Health Solutions Disclosures and Agreements as they exist on the date of your transaction.

Communications from the Site

Occasionally Vista Health Solutions will distribute periodic newsletters and promotional emails to those who provide email information to www.nyhealthinsurer.com. Each email sent contains an easy, automated way for you to cease receiving email (ìopt-outî) from the lists you are subscribed to, or to change your expressed interests. If you wish to do this, simply follow the instructions at the end of any email.

Social Security Number

Although it is not necessary to enter your Social Security number online, that information will be needed to process your application. As such, once we receive your completed online application you will be contacted for your social security number and any additional information that wasnít completed online. If you decide to enter your social security number online, please keep in mind that our application page is encrypted using a Secure Socket Layer technology (SSL)

Customer Service

Once your personally identifiable information is provided, we will contact you with an email indicating that your information has been received. We will also communicate with you in response to your inquiries, to provide the services you request and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.

Information Sharing & Disclosure

The only parties that we will disclose your personally identifiable information to is the health insurance company for which you are applying and when applicable the NY State of Health Marketplace. Once a request for health insurance is initiated, the NY State of Health Marketplace and the applicable insurance company will use that information for verification purposes, as to who you are and to determine your eligibility for insurance and a premium subsidy. Besides the NY State of Health Marketplace & insurance company to which you apply to, we DO NOT share your personally identifiable information with Third Parties for any unknown or related uses. We post customer testimonials on our web site which may contain personally identifiable information such as the customer’s name. We do obtain the customer’s consent prior to posting the testimonial to post their name along with their testimonial.

LEGAL DISCLAIMER: We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our web site.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users movements around the site and to gather demographic information about our user base as a whole.

We do not link this automatically-collected data to personally identifiable information.

We use a third-party tracking service called Google Analytics that uses cookies to track non-personally identifiable information about visitors to our site The information Google Analytics captures is the URL, IP address, browser type and language, and the date and time of your request.

Cookies

A cookie is a small text file that is stored on a userís computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

This website uses Google Analytics, a web analytics service provided by Google, Inc. (‘Google’). Google Analytics uses ‘cookies’, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

This privacy statement covers the use of cookies by www.nyhealthinsurer.com only and does not cover the use of cookies by any advertisers.

Links to Other Sites

This web site contains links to other sites that are not owned or controlled by Vista Health Solutions, Inc. Please be aware that we, Vista Health Solutions, Inc are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every web site that collects personally identifiable information.
This privacy statement only applies to information collected by this web site.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our service please contact us through Customer Support, by email at info@nyhealthinsurer.com or by telephone at (888) 215-4015

Security

The security of your information is important to us. when you enter any Personally Identifiable Information on our online form , we encrypt that information using Secure Socket Layer Technology (SSL). To learn more about SSL follow this link http://en.wikipedia.org/wiki/Secure_Sockets_Layer

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Web site, you can send email us at info@nyhealthinsurer.com

Business Transitions

In the event Vista Health Solutions, Inc. goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email and we will post a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Contact Us

If you have any questions or suggestions regarding our privacy policy, please contact us:
Vista Health Solutions
31 Park Ave
Suffern, NY 10901
(888)215-4015
info@nyhealthinsurer.com