Gathering of Personal Information
inHEALTH collects Personally Identifiable Information ("PII") as required to operate our business, including, but not limited to, the following:
- Information we receive related to claim handling, such as the claimant's occupation, employer, SIN and driver's license numbers, protected health information ("PHI", as further defined below), non-public personal financial information ("NPFI" as further defined below), and Trade Secrets (as defined below);
- Information related to your transactions with us or previous insurers or employers, such as your policy coverage, claim information, premiums, and payment and claim history;
- Information necessary to process your employment application with us;
- Information to better understand your needs as they relate to inHEALTH's products and services; and
- Other PII as required by our business operations or the Site.
"PHI" is defined as individually identifiable health information that is held or transmitted by our company in performance of our contractual obligations with clients. This type of information includes information in electronic, paper, and oral form.
"NPFI" is defined as information of a financial nature that is shared by a current, prospective, or prior client with us in the course of providing products and services to that client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, national identifiers, account numbers, business records, accounting information involving the client, contracts in which the client is a party, claims which the client is a party to, client's policy information, and any other data of the client that is financial in nature.
"Trade Secrets" are defined to include any proprietary information of any current, prospective, or prior client that is obtained through the course of our business activities with that client or through the provision of products and services provided by us to the client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, and any other information related to a client's activities, products, or services, which may or may not be protected or protectable under applicable patent laws.
Disclosure of Personal Information
inHEALTH's policy is to collect, process, and disclose sensitive PII only if required to comply with legal or contractual obligations, or with your consent. Sensitive PII includes PHI, information about racial or ethnic origin; political views or opinions; religious, philosophical, or moral beliefs, sexual preference, habits, or behavior; genetic information; and labour union membership.
Such PII, including voluntarily submitted information by visitors to the Site, is never sold or rented to third parties outside of inHEALTH.
The majority of information is disclosed or transferred solely to our instructing principals. However, in order to collect the information required by our principals to provide claim or risk services, we may disclose personal information to third party service providers. This would include (but not limited to) insured's, insurance brokers, insurance adjusters, automobile repair companies, contractors, construction companies, investigators, engineers, accountants, lawyers, and others. We may also disclose personal information to authorities with jurisdiction such as Fire Departments, Fire Marshals, Police and other Federal, Provincial or Municipal authorities for the purposes of verifying the circumstances surrounding a claim. We obtain consent to disclosure when required. Consent may also be inferred where appropriate. If an instructing principal advises us that they have their client's consent to disclose information, we will rely on our instructing principals' advice. Where inHEALTH discloses personal information to an approved investigative body (such as the Insurance Crime Prevention Bureau) or when we believe that the information relates to the breach of an insurance policy or other agreement or Canadian law, or where we are required by law to disclose the information, consent may not be obtained. Similarly, if personal information is disclosed to a lawyer for claims purposes or to obtain legal advice, consent may not be obtained.
Storing of Personal Information
Personal information recorded in documents is securely stored at inHEALTH'S office. Electronically recorded information is stored on computer systems maintained by inHEALTH. These computer systems and the information stored in them are protected by electronic security systems. inHEALTH restricts access to personal information and inHEALTH employees, contractors and representatives are under obligation to access personal information only when they have a legitimate business need to do so. inHEALTH employees receive training with respect to proper personal information handling practices and they are under obligation to comply with the privacy laws, this policy and related codes of conduct.
If you have provided us with your email address, whether by registering on the Site or by any other means, we may use this information to contact you, or to identify the pages you view when you visit our sites, the amount of time you spent on them, and other similar data.
We may contact you in response to your comments or inquiries, as part of the maintenance of your account with us (if you have one), or in order to complete a transaction that you requested. We may also contact you to inform you of other products or services we believe may be of interest to you, but we will offer you an opportunity not to receive such communications.
To change your election to receive information or your account registration with inHEALTH, please notify us via firstname.lastname@example.org or call 416-364-6688.
Cookies may be used on the Site to enhance your browsing experience and/or to enable you to have access to your personal content without having to login each time you visit. You may adjust your browser settings at any time to disallow cookies.
Links to Other Sites
As noted in the Terms and Conditions, the Site may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. You may contact those websites directly for their individual privacy policies.
Terms and Conditions
This section sets forth the terms and conditions under which inHEALTH provides the information on the Site as well as the terms and conditions governing your use of the Site and the information you provide to us. By using the Site you have agreed to these terms and conditions as stated below ("Agreement"), as well as all applicable laws that may govern internet usage.
We reserve the right to modify these terms and conditions at any time. Please check this page regularly for any modifications or updates. By using the Site after we post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these terms and conditions of use, please do not use the Site. Your further use of these pages constitutes consent to and acceptance of the following terms and conditions:
Restrictions on Use of Material
The Site contains proprietary and copyright information, the terms of which must be observed and followed. The contents ("Contents") of the Site are protected by copyright under Canadian law. Unauthorized use of the Contents may violate copyright, trademark and other laws. You must retain all copyright and other proprietary notices contained in the Contents on any copy you make of any portion of the Contents. You may not sell or modify any portion of the Contents or reproduce, display, distribute or otherwise use the Contents for any public or commercial purpose. inHEALTH may grant you non-exclusive, non-transferable, limited permission to access and display the content within the Site, solely on your computer and for your personal, non-commercial use of the Site. This permission is conditioned on your not modifying the content displayed on the Site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in the Site. You may only cite or refer to information on this Site and make copies of the information for your own personal use. You must have our written permission to distribute copies of the information to others. To request such permission, contact us at email@example.com.
Your failure to comply with the terms, conditions, and notices on this site will result in automatic termination of any rights granted to you, without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission in the preceding paragraph, inHEALTH does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this site on another Website or in any other media.
Notwithstanding the foregoing, any software and other materials that are made available for downloading, access, or other use from this site with their own license terms, conditions, and notices will be governed by such terms, conditions, and notices.
You understand and agree that if you download or otherwise obtain materials, information, products, software, programs or services, you do so at your own discretion and risk and that you will be solely responsible for any damages that may result, including loss of data or damage to your computer system.
Functioning of the Site
Use of the Site is at your sole risk. All materials, information, products, software, programs and services are provided "as is" with no warranties or guarantees whatsoever. inHEALTH expressly disclaims to the fullest extent permitted by law all express, implied, statutory and other warranties, guarantees, or representations including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary and intellectual property rights. Without limitation, inHEALTH makes no warranty or guarantee that any functions contained in the Site will be uninterrupted, error-free, virus-free, free from harmful components, or that any defects will be corrected.
This Site may contain links to websites owned, operated or maintained by parties other than inHEALTH. Such links are provided for your reference only. inHEALTH does not control outside websites and is not responsible for their content. inHEALTH's inclusion of links to an outside website does not imply any endorsement of the material on the site or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor. If you have any questions about these other websites they should be directed to the authors of such sites.
You agree to defend, indemnify and hold harmless inHEALTH and its representatives, officers, directors, and employees, agents and assigns from any and all liabilities, claims, costs, and expenses, including attorneys' fees, that arise from your use of the Site, your posting, downloading or transmission of communications or material on the Site, or from your violation of any applicable law.
Limitation of Liability
UNDER NO CIRCUMSTANCES WILL INHEALTH OR ANY OF ITS AGENTS, EMPLOYEES, DIRECTORS, OFFICERS, SUBSIDIARIES OR AFFILIATED COMPANIES BE LIABLE FOR ANY DAMAGES WHATSOEVER TO YOU INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, ACTUAL, SPECIAL OR CONSEQUENTIAL DAMAGES , THAT RESULT FROM (1) YOUR USE OF, OR YOUR INABILITY TO USE, THIS SITE OR ANY LINKED SITE, OR (2) FROM THE CONTENTS CONTAINED WITHIN THIS SITE OR FROM ANY LINKED SITE, OR (3) ANY VIRUSES, BAD CODE OR OTHER HARMFUL EFFECTS THAT COULD RESULT TO USERS FROM THIS SITE OR ANY LINKED SITE OR (4) DISCLOSURE OF YOUR PERSONAL IDENTIFIABLE INFORMATION THAT MAY OCCUR OVER THE INTERNET FROM YOUR USE OF THIS SITE OR ANY LINKED SITE OR (5) FROM ANY OTHER CAUSE AS A RESULT OF YOUR USE OF THIS SITE OR ANY LINKED SITE, EVEN IF INHEALTH IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Pages with Restricted Access
Some of the pages within the Site are restricted to authorized users only. Unauthorized use or access to these pages is strictly prohibited and may subject you to administrative actions and/or criminal prosecution and revocation of access. inHEALTH may monitor and record your usage of these pages. Evidence of your use collected during monitoring or recording may be used for administrative and/or criminal actions. Your further use of these pages constitutes consent to monitoring and recording.
You acknowledge and agree that inHEALTH may terminate or deny access to all or part of the services, products or materials available on the Site without prior notice if you engage in any conduct or activities that inHEALTH, in its sole discretion, believes violates any of these terms and conditions or any other rule, regulation or applicable law. Neither inHEALTH nor any of its officers, agents or employees shall be liable to you in the event of such termination.