Self Insured Services Company, doing business as Benefit Coordinators Corporation (“BCC”) is committed to protecting the privacy of the users and visitors of our website. We are providing this general summary of our privacy policy to explain how we may collect information about you, the type of information we may collect, and what information we may and may not disclose about you to third parties.

Information Collected

When you register to use certain parts of our site, our registration form asks you to provide certain contact information. Each time you access our site we may collect information about your visit, including the pages you view, the links you click and other actions taken in connection with our website and services. Additionally, we collect certain standard information that your browser sends to every website you visit, such as your IP address, browser type and language, access times and referring Web site addresses.

We also collect any information that is provided to us through the completion of forms or applications (paper and/or electronic) necessary to effectuate coverage, administer coverage, or process and pay a claim. Such forms include, but are not limited to, Enrollment forms, Claims forms, and Beneficiary designation/assignment forms. In addition, we collect any information from others that is necessary for us to properly process a claim, administer benefits, or to otherwise complete a transaction requested by our customer or policyholder.

Use of Information

We use the information that we collect from our users to personalize your experience and improve our website and services. We may provide information about your access and use of our website to third parties as stated below.

Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to any third party, except as permitted by law, such as for completing a requested transaction, and/or if authorized by our customer. For various business reasons, we may need to provide our customer's personal information to our affiliates or others, including a policyholder's broker, reinsurer, employer or plan sponsor. These disclosures may be made for the purpose of performing administrative services on our behalf, helping us to administer or review a claim, where we feel it necessary to protect our interests, or as requested by a governmental agency. We will not share any of our customer's health information unless allowed by applicable law and/or the customer has provided us the appropriate authorization.

Parties to Whom We May Disclose Nonpublic Personal Information

We may disclose the information we collect, as described in this privacy policy, to companies that perform services on our behalf in connection with account administration and claims administration. We also may disclose nonpublic personal information to affiliated and nonaffiliated third parties as permitted by law. We will release personally identifiable information in order to cooperate with law enforcement investigations, comply with court orders or subpoenas, protect the legal rights of BCC and our users, or when we believe it is needed for fraud protection and/or credit risk reduction.

Privacy of Your Protected Health Information

Notwithstanding any of the above, and in accordance with the terms and conditions of the Health Insurance Portability and Accountability Act ("HIPAA"), BCC will:

• not use or further disclose Protected Health Information (as that term is defined in HIPAA) other than as permitted by agreement between BCC and any "covered entity" or as required by law;
• use appropriate safeguards to prevent the use or disclosure of Protected Health Information other than as permitted by agreement between BCC and any "covered entity" or as required by law;
• mitigate, to the extent practicable, any harmful effect that is known to BCC of a use or disclosure of Protected Health Information in violation of an agreement between BCC and any "covered entity"; and
• ensure that any agent, including a subcontractor, to whom BCC provides Protected Health Information agrees to the same restrictions and conditions to which BCC is bound.

Use of Cookies

Our website may use “cookies” to enable you to sign in to our services and to help personalize your online experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies cannot be used to run programs or deliver viruses to your computer. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. Users choosing not to accept cookies may not be able to access some Site pages. While BCC may use cookies to track your visit to the Site and our Web servers automatically log the IP/Internet address of your computer, this information does not identify you personally and you remain anonymous unless you have otherwise provided BCC with personal information.

Security

We restrict access to nonpublic personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our website has security measures in place to protect the loss, misuse, and alteration of the information under our control. We make our best efforts to store information collected by BCC in a secure operating environment that is not available to the public, but we cannot guarantee complete security.

Acceptance of this Policy

By using this site, you agree to this privacy policy. BCC reserves the right to amend this privacy policy at any time that BCC, in its sole discretion, determines to be reasonable or appropriate. If there are material changes to this policy or in how BCC will use your personal information, we will prominently post a notice of such changes on our website prior to implementing the change.

Questions or Concerns

Questions or concerns regarding this Privacy Policy should be directed to BCC’s Security Officer, Scott DeRousse, at sderousse@benxcel.com.

If at any time you want to opt-out of receiving communications from BCC or if you no longer wish your feedback to be displayed on our Site, please contact our Customer Service Team at 1-800-685-6100, or email us at customersupport@benxcel.com. When contacting us, please provide your exact email address, name, postal address, and/or telephone number(s) in order to be sure we handle your request correctly. We will not sell, lease or rent our e-mail subscriber lists to third parties.