At Wellabe, we understand the importance of keeping your personal information confidential. This Online Services Privacy and Security Practices (“Privacy Policy”) describes how we may collect, use, and disclose personal information about you through your interactions with us on our website, mobile application(s), and products or services that we own or operate and that contain a link to or otherwise reference this Privacy Policy (collectively, “Online Services”). For purposes of this Privacy Policy, “Wellabe,” the “Company,” “us”, “our,” or “we” refers to Wellabe, Inc., and its affiliates including American Republic Insurance Company, American Republic Corp Insurance Company, Medico Insurance Company, Medico Life and Health Insurance Company, Medico Corp Life Insurance Company, and Great Western Insurance Company.
We are committed to maintaining the confidentiality of your personal information and earning your trust. Therefore, we offer our online privacy and security practices below to:
This Privacy Policy applies to our Online Services that we own or operate and that contain a link to or otherwise reference this Privacy Policy. This Privacy Policy does not pertain to, or govern, the Company’s collection, use, storage, or protection of any personal information you submit to us via any other means, including, without limitation, via a third-party agent, verbally by telephone, email other than through our website or mobile application(s), and the U.S. mail.
We cannot control the privacy and security policies of websites you may access through our Online Services. This Privacy Policy does not apply to information that you provide to or is collected by any third party. To determine the privacy and security practices of any other websites or mobile applications that may be linked from or made available through our Online Services, you must refer to the privacy and security policies associated with those websites and mobile applications.
You may request a copy of the Company’s Notice of Privacy Practices that describes how we may use and disclose your personal health and financial information and explains the legal rights you have under the Health Insurance Portability and Accountability Act (HIPAA) and the Gramm Leach Bliley Act (GLBA).
Through our Online Services, we may collect personal information you provide directly to us and personal information that is automatically provided to us or collected through your use of our Online Services.
We collect personal information directly from you, automatically through your use of our Online Services, and from third-party sources. We may collect information about you through our affiliates, business partners, and vendors, including from administrators, agents, brokers, or other representatives who provide services or products on our behalf. To the extent permitted by applicable law, we may combine the information we collect from publicly available or third-party sources. The personal information we collect varies based on your relationship with us.
When you use our Online Services, we may require you to submit information to perform certain functions. To ensure that users receive products and services which best match their needs, users must provide complete and accurate information about themselves and those persons who will also benefit from these products and services. Examples of information users may be required to provide include, but are not limited to:
This information may be needed to fully execute a request for a product and/or service, or used for business purposes, such as underwriting, claims processing, billing, and premium collection. The Company does not sell, rent, or lease any information collected to any person or organization. If the Company is unable to process a website function, the user’s information collected up until that point may be used to contact the user to fulfill the product or service request.
We may also obtain automatically collected information through our Online Services. We may use technologies such as cookies, tokens, tags, beacons, scripts, and Web server logs, as well as functionality that can collect data from a website or mobile device. The automatically collected information may include demographic, de-identified, aggregated, or certain information collected automatically through your device such as technical information about your device, web browser information, and server log files collected by us or provided by you. We may also collect information specific to use of your mobile device, such as a unique device identifier, precise geolocation information, and other information associated with files stored on your device, such as photographs.
Our computers and servers may automatically collect statistics about your visit. In these instances, this information does not identify you personally, but rather identifies functions performed during a visit to our Online Services. The Company may monitor user specific and user non-specific statistics, including but not limited to, how many users visit our website, a user’s internet protocol (IP) address, which pages people visit, from which domains our visitors come, and which browsers people use.
As a standard, our website servers use log files. Our log file processes will perform tracking on IP addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks within our website and mobile application(s). Our log file processes also administer our website and mobile application(s), track users’ movement in the interactive sections, and gather broad demographic information for business purposes as permitted by law. Other logs will be kept for those applications that are submitted to us through our Online Services to retain and process the products and services that were requested.
You may limit the information you provide or make available to us if you want to; however, that may limit your ability to access or use certain functions of our Online Services, or to request certain services or information.
Our Online Services operate on computer servers in the United States; therefore, any information you provide will be transferred to and processed by a computer server located within the United States.
We may use the information collected for several purposes such as, but not limited to:
We may use information to contact you through any contact information you provide through our Online Services, including an address, e-mail address, telephone number, mobile telephone number, or fax number.
When you provide us a telephone number, whether landline or mobile telephone number, we may contact you, using automated, pre-recorded, or non-automated means, to provide you information about existing benefits, programs, products, services, or tools. Personal information collected through our texting programs will not be shared, sold, or disclosed to third parties for their own marketing purposes.
We may, when permitted, combine your information with other information, whether online or offline, maintained, or available to us from you or from other sources, such as from our vendors, and we may use and disclose combined data for the purpose described in this Privacy Policy or for internal business purposes. We may, when permitted, use and disclose de-identified and aggregated data for any purpose, which may include, without limitation, disclosures to third parties for analytics purposes such as evaluating our Online Services and providing additional benefits, programs, and services.
Personal information may be shared among the affiliated companies of Wellabe Inc., and with select third parties as permitted or required by law. The Company also reserves the right to share your information with third parties if we believe such action is necessary in order to: a) conform with the requirements of any court order, government request, or legal process; b) protect or defend the Company’s legal rights or property, or those of its policyholders, its Online Services, or Online Service users; or c) investigate, prevent, or respond to illegal activity, suspected fraud, or threats.
When using an e-signature, you are contractually agreeing to our use of your information as described above and/or as revised from time to time by the Company. By visiting our website or mobile application(s), you have the ability to view this Privacy Policy, the Terms of Use, the Text Message Terms of Use, and any revision of these policies. Please refer to the Terms of Use and the Text Message Terms of Use for your use and access of our Online Services.
Our information technology systems use industry-recognized security controls to protect user information, and we have data security personnel whose sole responsibilities are to ensure the security of the information we collect, process, and store. Additionally, the Company has internal policies and procedures in place to limit access to user information to only those who have a business need to view it.
The Company is able to securely collect and transfer user information using encryption technology. We employ Transport Layer Security (TLS) encryption for all user information entered on our website and mobile application(s). TLS technology encrypts information as it travels from the user’s browser to our servers, and again from our server back to the user’s browser. Therefore, a user’s browser must support TLS 1.2 or above encryption to fully utilize our website.
The Company may use third party service providers to help us operate our business and this site or administer activities on our behalf, such as authorization of credit card transactions or other administration purposes. We may share your information with these third parties for those limited purposes only. The Company utilizes certificate providers to apply the TLS technology for online transactions. The certificates allow our website and mobile application(s) users to perform functions such as credit card transactions and application entry and submission in a manner that cannot be intercepted or decrypted over the Internet. Certificate providers also verify that website and mobile application users are conducting business with the Company. To confirm that a user’s browser supports the TLS encryption functionality, the user should look for icons on the browser’s window, such as a key or a closed lock. The Company encourages website and mobile application users to verify that these icons are present before entering billing and credit card information.
All personal information and account activity are also protected through the use of usernames and passwords. To help maintain the security of your information, you should protect the confidentiality of your username and password.
A “cookie,” by definition, is a piece of information that a website sends to a user’s browser, which then stores information on the user’s computer system. Users should be aware that cookies contain no more information than is volunteered, and are not able to “invade” the hard drive and return to the sender personal or other information from the user’s computer.
Many internet websites use cookies to “remember” information about users and user preferences, either until the current browser window is exited (if the cookie is temporary) or until the user disables or deletes the cookie.
Our website employs a cookie with your insurance agent’s name and contact information. Your personal information is not stored with a cookie.
Unless otherwise detailed, our Online Services are not directed toward children. We do not knowingly collect personal information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected via the child’s use and access of our Online Services, we will delete that information from our systems.
By using our Online Services, you signify your consent to this Privacy Policy. If you do not agree to this Privacy Policy, please do not use our Online Services. The Company reserves the right, at our discretion, to update, change, modify, add, or remove portions of this Privacy Policy from time to time. Significant changes to this Privacy Policy will be promptly disclosed in the Privacy Policy. Any changes become effective immediately upon posting to our website. The date this Privacy Policy was last revised is identified at the bottom of this Privacy Policy.
Before the Company makes a significant change in our privacy and/or security practices and/or this Privacy Policy, we will change this Privacy Policy and post it on our website at the time of the change. The Company reserves the right to make the new terms effective for all information which we maintain, including personal information that we collected or received before the Company made the changes to the Privacy Policy. This Privacy Policy is not intended to, nor does it create any contractual or other legal right in or on behalf of any party, including you. We encourage you to check this page regularly, as your continued use or access of our Online Services following any changes will be deemed to constitute your acceptance and agreement of such change.
When you submit any information to us in connection with our Online Services, you consent to our processing of this information as necessary. We do our best to maintain the accuracy of personal information you supply to us, and we will make corrections when you notify us. If you find information you would like to correct or update in any statements or other communication you receive from us, please contact our Customer Success team by telephone at 800-228-6080, or by sending a letter via U.S. mail to:
Wellabe, Inc.
P. O. Box 1
Des Moines, IA 50306-0001
If you have any questions about this Policy, you may contact us by sending a letter via U.S. mail to:
Wellabe, Inc.
Attn: Privacy Officer
601 Sixth Ave.
Des Moines, IA 50309
Published January 2024