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Privacy Policy

We operate the Internet web site, www.hcentive.com for our company, hCentive, Inc.. All information provided in this Privacy Policy pertains to www.hcentive.com ("web site") and hCentive, Inc. ("Company"). In using our web site, you agree to our use of your information as described in this Privacy Policy.


I. General
A. Our Company takes your privacy seriously and we utilize reasonable efforts to protect your privacy. We have created this Privacy Policy in order to share with you our information collection and use practices. Please read this policy carefully before sharing any personally identifiable information described below.

B. This policy applies solely to the web site located at www.hcentive.com. Since this is a growing web site and because Internet technologies are constantly evolving, these guidelines are subject to change at any time and any changes will be posted on this page.

C. The following words used in this Privacy Policy shall have the following meanings:

  • "Personal Information" shall mean all data and/or information provided by, for and about you. If you are a User of our services, you voluntarily submit data and/or information. Such data and/or information may include personally identifiable and payment information.
  • "Company's web site" shall mean all web sites on which hCentive, Inc. provides products, information and/or services.
  • " You " shall mean all users of Company's web site and products/services, including Employees, Contractors, the Public or Customers.
  • "Products, Information and Services" shall mean all products, information and/or services provided by hCentive, Inc., its advertisers or 3rd party vendors.
  • "Registration Information" shall mean the Personal Information we request in the registration process, allowing you to access our products, information and services and which you voluntarily provide.
  • "Account Profile" shall mean the Company's web site page(s) where the Personal Information that you have provided is displayed, in compliance with your consent and agreement. It also means your individual account.


D. When your account is established, you will be issued a username and password that should be protected by you. No one from Company will ever ask you for your password. You should never give your password to anyone who you do not authorize for access to your Account Profile.

E. If Company believes that the security of your personal information (including your username and password) becomes compromised, then we will attempt to notify you within a reasonable time. You consent to our use of e-mail or phone numbers you have provided as a means of such notification. If you prefer for us to use a different method to notify you in this situation, please e-mail us at support@hcentive.com.

II. Collection of Personally Identifiable Information
A. In order to use certain services on our web site, either now or in the future, you may be asked for, or you may choose to provide, certain personally identifiable information such as name, email address, postal address, credit card and similar information. The personal information we collect may include, but is not limited to:
  • Name
  • Address
  • Email address
  • Phone number
  • Demographic information
  • Credit card information
  • Health information
  • Other financial information


By submitting your information to us, you are also authorizing Company and its partners to contact you directly by e-mail and telephone with information about health insurance products they offer that match your inquiry. You expressly consent to receive phone calls and emails regardless of whether you are on any Federal or state DNC ("Do Not Call") and/or DNE ("Do Not Email") list or registry.

B. Company will not collect personally identifiable information from you while you use the web site unless you voluntarily provide it to us or authorize us to collect such information.


III. Use of Personally Identifiable Information
A. Company may use or disclose personally identifiable information in order to operate and manage our web site, to provide services that you have requested, either now or in the future, or respond to your inquires or requests.
B. Company may also disclose personally identifiable information in the establishment or exercise of legal rights or defenses against legal claims, to comply with applicable laws or regulations, to comply with a valid legal process such as a search warrant, subpoena or court order or to investigate suspected fraud or a violation of this Privacy Policy and our Terms of Use.
C. Company will never sell or share your information to any 3rd party not affiliated with Company, without your consent, except in connection with the sale or merger of hCentive, Inc..


IV. Collection of Non-Personally Identifiable Information
Company does collect and track certain non-personally identifiable information, including but not limited to, IP addresses and browser type, access times, domain names, usage habits and other information which does not specifically identify any individual.



V. Use of Non-Personally Identifiable Information
Company may use and/or disclose non-personally identifiable information for any number of reasons, including but not limited to, working with business partners, vendors and contractors, as well as for improving our web site and services.



VI. Rules for Submissions and Messages
A. Responsibility for what is posted on our web site, in discussion groups, blogs or other public forums, lies with you; you, alone, are responsible for the content of your messages and the consequences of any such messages.

B. Company cannot, and does not, review every submission you may make. Company neither endorses nor guarantees the accuracy or propriety of any submission.

C. Company reserves the right, but does not assume the obligation, to restrict or prohibit your use of our web site if we believe you are violating any of the Terms of Use or Privacy Policy contained herein, and further, to remove, edit, or relocate any submitted content, as Company sees fit, whether for legal or any other reasons.



VII. User Conduct
A. User understands that all information, data, text, graphics, messages or other materials ("Content"), are the sole responsibility of the person from which such Content originated. This means that you, not Company, is entirely responsible for all Content that you upload, post or otherwise transmit.

B. Company does not control the Content posted and, as such, does not guarantee the accuracy, integrity or quality of such Content.

C. You agree not to use Company web site in order to:
  • upload, post or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
  • harm minors in any way;
  • impersonate any person or entity, including, but not limited to, Company officials, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  • forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the web site or develop restricted or password-only access pages, or hidden pages or images (those not linked to from another accessible page);
  • upload, post or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • upload, post or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
  • upload, post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
  • upload, post or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • interfere with or disrupt the servers or networks connected to Company web site, or disobey any requirements, procedures, policies or regulations of networks connected to the site;
  • intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the United States and its political subdivisions, and any other regulations having the force of law;
  • "stalk" or otherwise harass another;
  • collect or store personal data about others who use our web site;
  • promote or provide instructional information about illegal activities, promote physical harm or injury against any group or individual, or promote any act of cruelty to animals;
  • engage in commercial activities without the express written consent of Company. This includes, but is not limited to, the following activities:
    • Offering for sale any products, information or services;
    • Soliciting for advertisers, employees or sponsors;
    • Conducting raffles or contests that require an entry fee;
    • Displaying a sponsorship banner of any kind, including those that are generated by banner or link exchange web sites; or,
    • e .Displaying banners for web sites that provide cash or cash-equivalent prizes to users in exchange for hyperlinks to their web sites.


VIII. Cookies and how are they used
  • Cookies are small text files that a web site can write to your computer. We may use cookies to identify you.
  • Company does not use cookies to store information such as bank account numbers, telephone numbers, or other information you provide. To maintain your privacy, you can disable your browser's ability to accept cookies.


IX. Your privacy with web sites linked from our web site
Company web site may contain links to various other web sites. Each of these web sites may have a Privacy Policy that differs from that of Company. The privacy practices of web sites that are linked to Company web site are not covered by this Privacy Policy.


X. What about data security?
  • Personal Information collected by our web site is stored in secure operating environments that are not available to the public. Company employs the use of built-in firewalls (a combination of computer hardware and software) to keep unauthorized users from accessing information through our computer network. Only those employees, contractors and vendors who need access to your Personal Information in order to do their jobs are allowed access, each having signed confidentiality agreements. Any employee, contractor or vendor who violates our Privacy Policy will be subject to disciplinary action, including possible termination and civil and/or criminal prosecution.
  • To ensure the security of your data, including address information and credit card data, Company always uses industry-standard encryption technologies when transferring and receiving consumer data exchanged with our web site.
  • Company has instituted appropriate security measures that protect against the loss, misuse or alteration of information that Company has collected from you, including use of Entrust's 128- bit SSL encryption. For on-line purchases and transactions, credit card information voluntarily provided to us by you is transmitted using SSL (Secure Socket Layer) encryption. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. Absolutely no use, whatsoever, is made of credit card information aside from purchases on this web site and there is no disclosure to 3rd parties, except as required for the credit card processing or as otherwise required under law.
  • We also protect information by placing it on a secure portion of our web site that is only accessible by certain qualified Company employees, contractors or vendors. Unfortunately, no data transmission over the Internet is 100% secure. While we strive to protect your information, we cannot ensure or warrant the security of such information. The personally identifiable information we collect about you is stored in limited access servers. We will maintain safeguards to protect the security of these servers and your personally identifiable information.


XI. Opt-out
Upon termination of your Account, whether by Company or voluntarily, Company will automatically terminate web site access to all personally identifiable information that you have provided to us. Such personally identifiable information will be maintained by Company and will be stored on a secure server, as required by law.

XII. Spyware
Company never uses or installs spyware on your computer, nor do we use spyware to retrieve information from your computer.

XIII. Newsletters
In the event that we distribute electronic newsletters or RSS feeds, now or in the future, we will collect e-mail addresses and may collect zip codes and other information of all those who subscribe to these publications. Anyone who wishes to stop receiving the electronic newsletter can, at any time, click on the "Unsubscribe" feature located within each electronic newsletter.

XIV. California Residents Privacy Rights
  • Companies that collect personally-identifiable information from California residents and disclose such information to 3rd parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either
    • provide a list detailing the categories of information shared and the entities to which such information was provided, or
    • provide a mechanism by which a consumer may opt-out of having their information shared with 3rd-Parties.
  • In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.


XV. CAN-SPAM Compliance
  • hCentive is committed to be compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.
  • hCentive only sends email to Users who have "opted in" to receive these communications. Users may "opt in" to our email communications by voluntarily providing us with their email address and agreeing to our Terms of Use and Privacy Policy, which Users do by using the services on our web site.
  • User may "opt-out" of any communication from hCentive at any time, by using the "unsubscribe" link at the bottom of any email you receive from hCentive. In addition, User may contact us at our support email address, support@hCentive.com, requesting to be removed from our mailing list.
  • Unsubscribing from communications from hCentive does not guarantee that User will no longer receive communications from our 3rd party advertisers and/or vendors.
  • hCentive cannot control the policies of our 3rd party advertisers and/or vendors, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.

Last Updated on September 6, 2011

Team hCentive