Privacy Policy

You are entering a binding contract with Medguard Medical Supply, inc. By using this website, www.medguardmedical.com (the, “Site”), and by submitting your information and clicking to agree to these TERMS OF USE (the “Terms”) and Privacy Policy, you agree that you are giving your express written consent to all the terms below which contains an Arbitration Agreement and Class Action Waiver, as well as our Privacy Policy. You agree that your doing so constitutes your electronic signature, and is equivalent to a written signature. You may choose to receive this contract on paper by emailing us at info@medguardmedical.com. You may withdraw this consent by using the opt-out procedures described below. By accessing the Site, you are consenting to the information collection and use practices described in the Privacy Policy.

This Privacy Policy applies to the Site, which is owned and operated by MedGuard Medical Supply, inc. (“we,” “us,” “our,” or the “Company”). This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the Site, any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Policy and any other policy delivered to you by the Company, the terms of this Privacy Policy shall control until revised. We are committed to protecting your privacy. This Privacy Policy defines the Personal Information and Usage Information that we collect and describes how that information is collected, used, and shared. This Privacy Policy also describes your choices regarding our use of that information, the steps we take to protect your personal information and how you can review and correct your personal information.

This Privacy Policy is in effect for any web page, mobile application, e-mail, and information, including Personal Information, collected and/or owned by us, regardless of the method of collection (e.g., mail, e-mail, sign-up/sign-in page), including collection through any on-line features, services, and/or programs we offer on the Site.

The Company may update this Privacy Policy to reflect changes to our information practices. We reserve the right to change this Privacy Policy at any time. If we make any material changes to our information practices, we will revise this Policy. You are advised to read and review this Policy each and every time you access our Site and/or use any service referred to you by the Company. Your use of the Site constitutes your agreement to the terms of the effective Privacy Policy.

The Privacy Policy is subject to and incorporates by reference our Terms, including its limitation on liability. By accessing the Site, you are consenting to the information collection and use practices described in this Privacy Policy as follows:

Acknowledgment and Agreement

The Site is not intended for use by individuals under the age of 18 or those who are not legal residents of the United States. By using the Site and participating in any of the Company’s services, you agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older and a valid resident of the United States, please do not use the Site or participate in the Company’s services.

Information Collection

The Company collects information through the Site from our prospective and existing customers at several different points on our Site. We collect and retain information about you to communicate with you, to process your requests for insurance services, and to inform you about other insurance services that may be of interest to your business. Users may opt-out of receiving further mailings (see the Opt-Out/Opt-In section of this Privacy Policy.) The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

Personally Identifiable Information

We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to Social Security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your email address, driver’s license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, health information, your IP address and computer specifications, and other personal information you submit or upload through our Site. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.

Third Parties

We may obtain information about you from third parties, including our approved partners and agents.

We also may collect information from you if you access our Site through an account created with a third-party website (e.g., Facebook, or LinkedIn). The option to access our Site via these third-party websites may occur and will be entirely at your option. The information we are able to migrate to our Site from these third-party websites will depend on the privacy settings that you have in place with the third-party site from which you log in. If you choose to log into the Site via a third-party website, you hereby consent to our access to and collection of such PII about you.

Hardware and Software Information

Information about your computer hardware and software is automatically collected by the Company, such as the website from which you came to our Site and your IP address, browser type and language, device ID and type, the operating system used by your device, access times, your mobile device’s geographic location while our application is actively running, and the referring website address. This information is used by the Company to maintain and improve the quality of the Service and to generate statistics regarding use of the Site. The Company does not use third party databases to correct or update the information you submit to us for any reason.

Cookies

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any PII while on our site. If a user rejects the cookie, they may still use our site; however, without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. All cookies served on the domain, both session and persistent, are tied to the PII you provide.

Behavioral Marketing

Social Media Widgets: Our Site includes or may include Social Media features, such as the Facebook “Like” button and Widgets, such as the “Share” button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social Media features and widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the Privacy Policy of the company providing it.

CORRECTING/UPDATING INFORMATION: Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. If you would like to verify any data that we have received from you, make any corrections or updates, or disable the use of your PII, please contact us at the mailing address or email address listed below.

Contact Information: info@medguardmedical.com

Use Of Information And Information Sharing

We collect and combine PII and Non-PII through various sources, including those discussed herein. When you submit your request for our services, you are granting us permission to share your PII and Non-PII, including the contact and health insurance data you submit and/or upload with our approved agents; you are also granting us permission to be contacted by us, and/or our approved agents.

We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. Other parties (i.e., ad networks, analytics providers, etc.) may collect PII about an individual consumer’s online activities over time and across different websites when a consumer uses our Site or services.

Sharing Information With Affiliate Companies and Approved Independent Vendors, Agents, Or Contractors

When you submit your request for additional information, you are granting permission to be contacted by the Company, its parent, affiliate and sister companies, or its approved third parties, independent agents, vendors or contractors. An affiliate company is a company that is owned in whole or in part by the Company or has common ownership with the Company.

We may share the contact request and data you submit to us, which may include PII and Non-PII, with approved independent contractors or vendors, agents, or parent, affiliate and sister companies to fulfill information requests we receive from you; to provide you with superior service; inform you with insurance opportunities that may be of interest to you; and for other business purposes. The information you provide and upload through the on-line form or otherwise provide to the Company will be shared with approved independent agents or parent, affiliate and sister companies, who may use some of this this information to evaluate your eligibility for insurance products offered through the Company and/or other third parties.

Sharing Information With Other Third Parties

We may disclose, or share your PII and Non-PII to third parties for the following purposes: (1) marketing, advertising, research, or other business purposes; (2) to third parties involved in the process of providing services to us or you or performing functions on our behalf, such as contractors, vendors, agents, and customer service providers. We do not sell your information to data brokers.

These companies are authorized to use your PII only as necessary to provide these services to us – (a) to protect or enforce our rights or property, protect your safety or the safety of others, investigate fraud, or respond to a government request, such as a subpoena or other legal process by a governmental entity or third party, or if otherwise required by law; (b) to our parent, investors, affiliates, subsidiaries, partners, or auditors in the course of their review or auditing of our Company or for other business purposes, including without limitation to provide other services to you; and (c) in the event of the sale or dissolution (bankruptcy) of all of our assets, in which case, you will be notified, there after by a prominent notice on our Site of any change in ownership or uses of your PII, as well as any choices you may have regarding your PII.

We may also share your basic information (name, company name, phone number, and email address) with one of our business partners to market their services to you, provided, however, if you do not want us to share or sell your PII in these circumstances with these business partners, please contact us to opt-out by email at info@medguardmedical.com or by postal mail at the contact information listed below.

Security

We use a variety of security technologies and procedures to help protect your PII and Non-PII from unauthorized access, use, or disclosure. For example, we store the PII and Non-PII you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your Non-PII against unauthorized access or use. For example, data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls (there is no direct communication allowed between the database server and the Internet) and servers with operating systems, all housed in a secure facility. Additionally, access to the system is controlled.

We cannot ensure that all of your private communications and other PII will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications. If you have any questions about security on our Site, you can contact us at info@medguardmedical.com.

Confidentiality

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

OPT-IN/OPT-OUT

We, our affiliate companies, approved independent contractors, agents and vendors, and/or third parties may promote product and service offerings via e-mail, MMS or SMS text message, or telephone to consumers and businesses who requested to be contacted either through our Site’s online forms’ Opt-in process or through an Opt-In process on our affiliate companies, approved independent contractors, agents or vendors, and/or third parties’ website (“List Members”). List Members will receive e-mails, MMS or SMS text messages, or telephone contacts for as long as they wish to continue to receive such contacts.

In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS or MMS correspondence. You may opt-out and remove your SMS or MMS information by replying “STOP,” to the SMS or MMS text message you have received. If you remove your SMS or MMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

List Members can be removed from our contact lists at any time with no questions asked. To remove your information from our database to no longer receive future communications from us, click on the “unsubscribe” link found at the bottom of any e-mail sent by us or send a request not to be contacted any further to info@medguardmedical.com. Email addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt.

If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific approved independent contractors, agents or affiliate companies to whom we provided the List Member’s informational request, so that the List Member may be included on the third-party’s Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor, agent or affiliate, the Company may not be the only purchaser of your information. Additionally, any approved independent contractor, agent or affiliate company may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-party companies. The Company is not responsible for stopping all unwanted contact from sources beyond our immediate control.

GLB ACT

For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the GLB Act), this Privacy Policy shall serve as both your initial customer relationship and annual Privacy Notice as defined under the GLB Act. If you would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please click the unsubscribe link found at the bottom of any email sent by our Company or send a request not to be contacted any further to info@medguardmedical.com.

Minors

The Company does not knowingly collect information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at info@medguardmedical.com, and we will delete the information about the child referenced from our files.

For California Residents

On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like the Site to disclose: (1) How the Site responds to “do not track” signals; and (2) Whether third parties collect PII about users when they visit the Site.

The Company does not engage in the collection of PII about an individual consumer’s online activities over time and across third-party websites or online services. The Company does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to the Site. The Company does not permit third parties to collect PII about an individual consumer’s online activities over time and across different websites when a consumer uses the Site.

The Information Collection section of this Privacy Policy discloses the categories and specific pieces of PII that it collects, including the categories of sources from which that information is collected, the business purpose and the categories of third parties with which that information is shared. To request removal of your PII and Non-PII from our records, contact us at info@medguardmedical.com. In some cases, we may not be able to remove your PII, in which case we will let you know if we are unable to do so and why.

If you are a California resident, the California Consumer Privacy Act of 2018 (“CCPA”) permits you to obtain certain disclosures about information you have shared with us in connection with your use of the Services. CCPA also provides you with certain rights with respect to this information.

The following is the personal information we collect: In the preceding twelve (12) months, we have collected the following personal information from the following categories of sources: (i) information provided by you, (ii) information we collected when you use our Services, or (iii) information received from third parties.

– First and last name, mailing and business address, online identifier (i.e., username and password), e-mail address, social security number, IP address, driver’s license number, and passport number;
– Personal information under California’s records destruction law (Cal. Civ. Code § 1798.8o(e): including: signature, first and last name, social security number, address, telephone number, job title, bank account number, or any other financial information
– Commercial information including records of personal property or services purchased, obtained or considered.
– Internet information including information about your internet connection, IP address, equipment used to access the Site and usage details, browser version, browsing and search history, and information that you search for using the Site.
– Audio data.
– Professional information and job title
– Inferences drawn from the above information which may include or reflect the consumer’s preferences, characteristics, trends, behaviors or abilities.

Use of Personal Information: We may use or disclose the personal information we collect from you for a number of purposes compatible for which it was collected or authorized by you, including for, but not limited to, the following purposes: (a) providing or improving our Services; (b) communicating with you; (c) marketing and advertising; (d) compliance purposes; (e) other business purposes; and (f) as set forth in detail above.

Sharing Personal Information: As noted above, we may disclose or share your personal information to a third party for a business purpose, including, but not limited to our parent, affiliates and subsidiaries and sharing with service providers and independent agents to assist us in providing the Services. When we disclose your personal information to a third party for a business purpose, such disclosure is subject to a contract that describes the business purpose and requires such party to keep the information confidential and not use it for any purpose other than performing the contract. We further require the party to certify that it understands and agrees to comply with such restrictions.

Sale of Personal Information: We share your personal information with third parties for the specific purposes as described in this Privacy Policy. We do not sell your information to data brokers.
Your Rights Regarding Personal Information: California residents may exercise the following rights regarding their personal information, subject to certain exceptions and limitations.

a. Right to Know and Access your Personal Information. You have the right to request that we disclose certain information we have collected, used and disclosed in the past 12 months. You have the right to know: (a) the categories and specific pieces of personal information we have collected about you; (b) the categories of sources from which your personal information was collected; (c) the purposes for collecting your personal information; (d) the categories of third parties with whom we have shared personal information; and (e) if your information is sold, lists of the categories of personal information sold and disclosed for a business purpose. You have the right to request additional information about data collection.

b. Right to Delete or be forgotten. You have the right to request that we delete any personal information we have collected from you. If we are unable to comply with your request, we will advise you of the reason, as the CCPA contains certain exceptions to this right.

c. Right to Opt-out of Sale of your personal information. We do not sell your personal information to third parties.

d. Right to Non-Discrimination. You have the right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

To exercise any of the above rights, you may submit a request for access, to request additional information, to be deleted or forgotten, or to opt-out by calling 888.349.1135 or submitting your request to info@medguardmedical.com.

Governing Law

We agree that the laws of the State of Florida, without regard to principles of conflict of laws, will govern these Terms and Conditions of Use and/or any dispute of any sort that might arise between you and the Site, except for the Arbitration Agreement found in the Terms, which is governed by the Federal Arbitration Act.

Links

The Site may contain links to other websites belonging to third parties. Please be aware that the Company is not responsible for the privacy practices of such other websites. We encourage our users to be aware when they leave our Site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by the Company.

Data Retention

We will retain your information for as long as needed to provide you services. In additional we are required to keep, retain your information as necessary to comply with our legal obligations, resolve disputes, and enforce agreements.

Testimonials

We may display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at info@medguardmedical.com.

Former Customers

We treat information about our former customers in the same manner as we treat information about our current customers.

Push Notifications

With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.

International Users

The Site is hosted in the United States and is only intended for use by legal residents of the United States. If you are accessing the Site from outside the United States, by providing your information to the Site, you are consenting to and authorizing the transfer of your information to the United States for storage, use, processing, maintenance, and onward transfer of such information to other entities regardless of their location in accordance with this Privacy Policy and our Terms. You are also consenting to the application of United States law in all matters concerning the Site.

Reviewing And Correcting Your Personal Information

You can make a request to review and correct your Personal Information collected by sending an e-mail to info@medguardmedical.com. You can help us to maintain the accuracy of your information by notifying us of any change to your mailing address, phone number, or email address.

Your Consent To Future Changes

You agree that we may change the website, the Terms, and our Privacy Policy at any time. If we change these Terms or some part of them, they will become effective immediately on posting of the updated or revised Privacy Policy on this web page regardless of whether or not you have actual notice of the changes. You should review our Terms and Privacy Policy periodically for changes. Additionally, you agree that any use of the website following our publication of any changes to these Terms or Privacy Policy will expressly reaffirm your express written consent to the Terms, and acceptance of the changes.

Should you wish to opt-out of such future changes, you must communicate your request to opt-out to us in writing, either by email at info@medguardmedical.com– or at this address: 3200 N University Dr. Coral Springs, Florida 33065. The opt-out shall be effective ten (10) days after receipt. In the event you opt-out, our agreement will continue to be governed by the Terms in effect at the time you originally submitted your information, or at the time of the last update to which you did not opt-out.

Contact Us

We hope this information satisfies any questions or concerns you may have. If you have additional questions or concerns about this Privacy Policy, please contact us at: info@medguardmedical.com