Privacy Policy

Verd ("we," "us," or "our") is a health insurance consulting service that provides personalized plan recommendations and cost analysis. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our consulting services. Please read this Privacy Policy carefully. By using our services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Information You Provide to Us

When you use our consulting tools and services, we may collect information that you voluntarily provide, including:

• Account Information: Email address and password when you create an account.
• Health Profile Data: Age, household size, general health conditions, current medications, and anticipated medical procedures — provided during the consultation questionnaire.
• Financial Information: Household income and filing status, used solely to estimate subsidy eligibility and plan affordability.
• Plan & Claims Data: Information about your current insurance plan, tracked expenses, and deductible progress if you choose to use our dashboard tools.

Information Collected Automatically

When you access our website, we may automatically collect certain information, including:

• Browser type and version
• Operating system
• Pages visited and time spent on those pages
• Referring website addresses
• IP address (anonymized)

2. How We Use Your Information

We use the information we collect for the following purposes:

• Consulting Services: To generate personalized health insurance plan recommendations and projected cost estimates based on your health profile and financial situation.
• Account Management: To create and manage your account, authenticate your identity, and provide customer support.
• Dashboard Features: To power deductible tracking, expense monitoring, benefits reminders, and other Pro features.
• Service Improvement: To analyze usage patterns and improve our consulting algorithms and user experience.
• Communications: To send service-related notifications, such as benefits reminders or plan re-optimization alerts (Pro users only).

3. How We Protect Your Information

We take the security of your personal and health-related information seriously. We implement appropriate technical and organizational measures to protect your data, including:

• Encryption of data in transit (TLS/SSL) and at rest.
• Row-level security policies ensuring that users can only access their own data.
• Secure authentication through industry-standard protocols.
• Regular review and updates of our security practices.

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining best practices.

4. Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: We may share data with trusted third-party service providers who assist in operating our platform (e.g., hosting, authentication services), subject to confidentiality agreements.
• Legal Obligations: We may disclose information if required by law, regulation, legal process, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share information for any other purpose with your explicit consent.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our consulting services. If you wish to delete your account and associated data, you may submit a request through our contact form. We will process deletion requests within 30 days, subject to any legal obligations that require us to retain certain information.

6. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• The right to access and obtain a copy of your personal data.
• The right to correct inaccurate or incomplete information.
• The right to request deletion of your personal data.
• The right to restrict or object to certain processing of your data.
• The right to data portability.

To exercise any of these rights, please submit a request through our contact form and select "Privacy & Data Request."

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience. These may include:

• Essential Cookies: Necessary for the website to function properly, including authentication and session management.
• Analytics Cookies: Help us understand how visitors interact with our website so we can improve our services.

You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites or services, including government resources (CMS, IRS, etc.) and data sources. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please notify us through our contact form and we will promptly delete such data.

10. HIPAA Disclaimer

Verd is a health insurance consulting service and does not function as a healthcare provider, health plan, or healthcare clearinghouse. As such, Verd is not a covered entity under the Health Insurance Portability and Accountability Act (HIPAA). However, we are committed to handling your health-related information with the highest level of care and in accordance with applicable privacy laws.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on this page with a revised effective date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Verd
Contact: verdhealth.com/contact
Website: www.verdhealth.com