This is the Privacy Policy for your health plan’s benefit card website (the "Site"), and My Total Benefits mobile applications (the “App”) owned or operated by PayForward LLC, ("PayForward" or "we" or "us" or “our”) on behalf of your health plan, and any other related applications, interactive features, widgets and resources offered by PayForward through internet websites, mobile devices, APIs or other platforms and any and all associated services provided by PayForward in connection with any of the foregoing (all of which, together with the Site are collectively referred to as the "PayForward Services" or the "Services").
We are committed to safeguarding the personal information we receive from you when you interact with any of our Services. This Privacy Policy explains how we collect, use and share your personal information when you interact with our Services.
When you use our Services through our Site and/or App, we may collect information that directly or indirectly identifies you, including name, address, email address, telephone number(s) and/or fax number.
When you voluntarily submit personal information to us, we may collect this information in order to better address your needs. We may use the personal information to communicate with you in various forms in response to the submissions. By voluntarily submitting your personal information, you authorize us, our affiliates and subsidiaries, or parent company to contact you.
In addition, we may collect the following types of information:
Session cookies exist only during an online session. They disappear from your computer when you close your browser or turn off your computer. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the Site. This allows us to process your online transactions and requests and verify your identity, after you have logged in, as you move through our Site.
Persistent cookies remain on your computer after you have closed your browser or turned off your computer. We use persistent cookies to track aggregate and statistical information about user activity.
You can decide if and how your computer will handle cookies by configuring your preferences or options in your browser or mobile device settings. However, if you choose to reject all cookies, the Services may not function properly or as desired.
Web beacons and pixels are images that may be used with the Services or placed in emails we send you. We may include a web beacon in an email we send you for the purpose of counting the number of people who open the email.
In addition to the uses described above, we may also use the information collected through the Services to:
respond to your inquiries
operate our business
comply with the law or our policies
investigate or prevent fraud or security breaches
provide the products and services you request
administer your account
inform you about products and services that might be of interest to you
tailor the content and information that we may send or display to you
improve our Site and Services and respond to user desires and preferences
We may disclose your Personal and Non-Personal information with entities controlling, controlled by or under common control with PayForward.
We may share your personal information with entities not affiliated with us only as described in this Policy:
processing and verifying credit card information and processing credit card transactions
complying with legal processes
responding to requests from public and government authorities
enforcing our terms and conditions, including investigations of potential violations detecting, preventing or otherwise addressing fraud, security or technical issues
protecting our rights, privacy, safety or property, and to allow us to pursue available remedies
limiting the damages that we may sustain
in safety matters or in litigation where the data is pertinent
in connection with a merger, acquisition, sale of company assets or other business activity in which a review or transfer of personal information is required
We may share non-identifiable or aggregate information with third parties for any lawful purpose.
Marketing purposes
Sale of your Private Information
If you give us your permission to share, you are permitted to revoke that permission at any time in
writing. We will honor your revocation once it is processed, except to the extent that we have taken action in reliance upon your original authorization.
When you register and sign in to the Site or App, you may be asked to provide us or our contracted service providers with your email address. We may use this information to:
administer or communicate with you about your account
send you information upon your request
communicate offers or updates about our products, programs and services
share information about health or wellness topics or about doctors, hospitals and other health care professionals that participate with your plan
When you send email messages to the mailboxes listed on our Services, we will retain your message, email address and our response so that we can efficiently respond to your questions or issues. We also do this in an effort to comply with legal and regulatory requirements.
Email is not always a secure method of transmitting information. Use judgment when sending information in an unsecured email via the Internet. You may always convey confidential, personal or sensitive information by calling the appropriate Member Services phone number that you will find under Contact Us.
For your convenience, we may provide links to other websites or applications. We do not control third-party websites or applications, and thus, are not responsible for their privacy practices.
Through our Apps, we may offer services that are provided and administered by third parties (3rd Party Services). Your use of the 3rd Party Services will be subject to the terms of use and privacy policies and practices of the third party.
Information that we collect is stored on servers, using standard security procedures and practices appropriate to the nature of the information in an effort to protect information from unauthorized access, destruction, use, modification or disclosure. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Services, we cannot and do not guarantee or warrant the security of any information you transmit on or through the Service, and you do so at your own risk.
We have implemented physical, electronic and procedural controls designed to safeguard your personal information. If you receive correspondence that appears to be from us, but contains typographical errors, grammatical mistakes or awkward wording, please proceed with caution, as this email may not actually be from us. We will never send you an email asking you to:
click on a link in an email to validate personal or account information
open an email attachment, unless you have specifically requested this information from us
download or run a program received via email
reply to an email and provide personal information, such as your Social Security Number, member ID number or username/password to any account
confirm or correct information as part of a system change or upgrade
provide banking information to claim money won in a contest
fill out a customer service survey in exchange for money
If you receive an email with any of these requests, or any other suspicious content, do not respond. Please forward it immediately to support@payforward.com.
Our representatives may collect certain personal information when assisting you in the use of the Services, such as shopping in our online catalog.
We may collect personal information from you, including name, address and phone number.
Our representatives may help you enter your personal information into the Site. We may retain the personal information you provide during these sessions, and will maintain and/or store that personal information in accordance with our privacy policies and procedures.
You are not required to provide personal information to us but the assistance our representatives provide is only based on the information you and/or your authorized representative provide. If the information provided is inaccurate or incomplete, our representative may not be able to assist you with your account.
If you believe your privacy rights have been violated, you may file a complaint with us by calling our Member Services unit at 844-944-9273.
At this time, we are not able to honor Do Not Track signals, but you may adjust your browser settings to prevent cookies from being set.
Our Services are not intended for use or consumption by children. If you are under the age of 18 or otherwise deemed a minor, do not use this Site. We do not knowingly collect Personal Information from children under the age of 18. Any Personal Information of a child under 18 that is provided to us must be provided by a parent or legal guardian, and not by a child under the age of 18 who is using the Site. If you are the parent or legal guardian of a child under the age of 18 whom you have reason to believe provided his or her own Personal Information to us, you have the right to review and request the removal of that child’s Personal Information from our database.
Evolving technology will provide us with new and better ways to serve your account needs and we may change this Notice at any time and from time to time to reflect new privacy practices. This Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.
If you have questions about this Privacy Policy or our privacy practices, please contact us at support@payforward.com or 844-944-9273.
Last Updated: October 25, 2024