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Privacy Policy

Last Revised: May 20, 2020

Privacy Policy Statement

At Orion Financial Services LLC, we understand your concerns about privacy.

This Privacy Policy indicates how we handle private information and key items to be aware of with respect to how we use your information.

Orion Financial Services LLC a Connecticut Limited Liability Company is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

The purpose of this Privacy Policy is to inform you of how Orion Financial Services LLC (“Company” or “we” or “our) collect, use and disclose the personal information we collect from you when you visit www.orionfinancialservices.com (the “Website” or the “Site”), how such information will be used by the Company (as defined below), its Advertising Partners, and/or other persons or entities with whom such information may be shared, as well as your choices regarding the collection, use and distribution of such information and the security procedures that we have implemented to protect your privacy. By continuing to use the Website, you expressly agree to be bound by this Privacy Policy, as amended from time-to-time by Company in its sole and absolute discretion. You further agree to regularly review this Privacy Policy to ensure that you are familiar with Company’s then most-current policies and practices. This notice may also describe our use and protection of non-public personal information (“client information”), and will help you understand how we treat any information we obtain from you or other sources in the course of providing you with any products or services.

Information Use

The information we collect is used for administering our general business activities, including marketing, risk classification and other business purposes.

We also use the information you provide to us in order to provide customer service, resolve billing and account related issues and changes as well as general communication. Occasionally we may use the information to notify you about changes to our Website, new service offerings, or special offers where applicable.

Information Collection

Information provided to us using web forms and from third party information brokers, and risk solution providers enable us to identify our customer and become part of our client profile. This information once submitted to us or received by us becomes our property and we grant certain rights to the provider or receive certain rights from the licensor related to the information we receive.

  • Information you provide to company: Orion Financial Services LLC collects any information you enter on our site, or that you provide to us in any other way, including personally identifiable information (“PII”). You can choose not to provide certain information, but you may not be able to take advantage of our services and features.
  • Automatic information: When you visit a website, you disclose certain information, such as your Internet Protocol (IP) address, browser type, referring domain, and the time of your visit. This site, like many other sites, records this basic information about visits to our site. The only way to avoid having this information collected is not to use, access, interact with, or navigate to the Website.
  • Cookies: Cookies are pieces of information that are transferred to your computer from a web server. Most browsers are set up to accept cookies, but you can change your settings to have your browser notify you when you receive a new cookie or to refuse to accept cookies.
  • Data Brokers: Company may utilize third party data brokers to provide in depth information regarding visitors to our site and to further enhance or verify data provided to us.

Information Sharing

Our Website may provide editorial commentary regarding third party product and service providers.

Our goal is to provide you with honest opinion regarding these third parties and their products and/or services.

Finally, we may be required to share and/or disclose your personally identifiable information in order to respond to an administrative or legal inquiry and/or action.

Here is a list of the Service Providers where we information about you may be stored or shared. We have included the purpose and what kind of data we share with them in the table below:

Service Provider

Purpose

Share Data

Notices

OVH SAS

Infrastructure Hosting, DDOS Protection

Production and BCP Data Services

Privacy & Security

HubSpot Inc

Relationship Managment 

Browser data, Anonymized IP, Geolocation Information

Privacy & Security

Google Analytics

Anonymous website audience analysis

Non-Personal Browser data, Anonymized IP, Geolocation Information

Privacy & Security

Vultr Holdings Corporation

Infrastructure Hosting, DDOS Protection

Production and BCP Data Services

Privacy & Security

 

Information Distribution

Information about you our client is important.

We will not disclose any individually identifiable information to any third party without first receiving your written or verbal permission and consent. Distribution to our Business Partners in relation to the services we provide is excluded from our promise not to disclose.

Requests for quotations require us to provide insurers with specific risk related information from the proposed insured which includes risk details, and certain PII items. Distribution to our Business Partners will only occur when you the client agree to submit an application or request a quotation.

Data Retention

We store and update information about our customers within the window of our legal requirements to comply with various state and federal requirements. We retain browser data for a short length of time (typically 3 months), unless we need to keep it in relation to concerns raised or as a performance, security concern. or when required by law.

Notice of Insurance Information Practices

Personal information about you, including information received from a credit report or loss history may be collected from persons other than you in connection with any application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies.

Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your express authorization to assist in servicing your account or to respond to a legal or regulatory inquiry.

A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices for offline account servicing.

Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties. This may also result in a loss or denial of benefits from issued policies.

Third Party Links

The Site contains links to websites operated and maintained by third parties over which Company has absolutely no control. Any information you provide to third party websites will be governed under the terms of the privacy policy of those respective third parties.

Accordingly, we strongly encourage you to investigate and ask questions before disclosing any information to the operators of third party websites, and to familiarize yourself with their privacy practices by reviewing their privacy policies. Inclusion of third party websites on or through our Website in no way constitutes an express or implied endorsement of such websites’ policies.

If you have any questions regarding Company’s Privacy Policy and or related practices, please feel free to contact us at [email protected]

PI/PII (Personal Information/Personal Identifying Information)

Authority

Both federal and state laws and regulations permit us to collect PII in order to assist you in seeking health care coverage and other types of insurance coverage. Federal laws and regulations include Section 1411(g) of the Patient Protection and Affordable Care Act (42 U.S.C. § 18081(g) and 45 CFR 155.260), and 31 CFR 103.121. In addition under state law in the states in which we are authorized to do business we may be required to collect PII as it relates to the services we provide.

Purposes for Collecting PII

We are permitted and may need or be required to collect, maintain, disclose, access, store and use PII in order to (1) provide you with information about the full range of insurance programs and coverages for which you are eligible, (2) assist you with an application for health insurance through the Federally Facilitated Exchange (FFE) and with applications for other types of coverage, (3) help facilitate your enrollment in an insurance program, and (4) perform other functions authorized under 45 CFR 15.225 and ORC § 3798, including functions substantially similar to those listed above, and other functions that may be approved by the Centers for Medicare and Medicaid Services (CMS), and the Connecticut Department of Insurance.

We will not share your personal information with any non-affiliated third parties for any purpose that is not specifically authorized by law or we obtain your permission in writing.

Whether you are doing business with us as your agent, or broker, in person or on our web properties, we want you to know that Orion Financial Services LLC respects your privacy and takes steps to protect your information.

Key Principles
  • We do not sell client information to anyone or any third party.
  • We do not share, loan or give client information to persons, companies, or organizations outside of Orion Financial Services LLC and the carriers we represent directly and indirectly through our brokerage partners.
  • We expect persons or organizations that provide services on our behalf to keep client information confidential and to use it only to provide the services we have contracted with them to perform.
  • Within Orion Financial Services LLC, we communicate regarding the need to protect your information to those individuals who may have access to it, and we have established physical, electronic, and procedural safeguards to protect client information.
Effects of Non-Disclosure of PII

If you choose not to share your PII, or fail to provide accurate PII when requested it may result in adverse consequences including but not limited to:

  • Inability to enroll in a health insurance plan or other types of insurance plans
  • Inaccuracy and invalidity of any proposals generated due to information omission
  • Refusal/Decline of application
  • Policy cancellation
  • Loss of coverage
  • Policy rescission.

Requests to end user tracking (Do Not Track)

You may have a feature in your browser that allows you to change your settings to “do not track.” We are required to disclose whether the Site honors the “do not track” setting in your browser. We have developed the Site to provide a consistent interface and operability to all users, and thus we do not honor your browser’s “do not track” function. We do not currently support Do Not Track signals, as there is no industry standard for compliance. We do not honor do not tract functions as part of our service.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies.

Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies, or look at the links below.

Children

This website is not intended to provide services or sell products to persons under the age of 18 without the consent and involvement of a parent or legal guardian. If you are under 18, you may use this website only with the involvement and consent of a parent or guardian. By using the website, you represent and warrant that you are 18 years old, or are using the services offered by this website with the supervision and involvement of a parent or guardian 18 years of age or older. Company does not provide its services to children. “Children” as defined in the Children’s Online Privacy Protection Act of 1998, and for purposes of this Privacy Policy, means persons under the age of 13. If you are a child, please exit this site immediately.

Email Communication

We cannot bind or change Insurance coverage over the phone, email, or via a submission from our website.

If we receive a request for a policy change or endorsement including but not limited to excluding drivers, changing coverage amounts, and request for coverage binders using any of the aforementioned methods you will be contacted by an agent.

No binder, insurance policy, change, addition, and/or deletion to insurance coverage will go into effect until confirmed in writing directly with a licensed agent or your carrier.

We may provide a proposal of insurance based on the values and exposures of loss disclosed to us using our website and information entered within a quote request form.

We will not request or collect personally identifying information nor any confidential health information online.

When you communicate with us especially via email note that all email is captured and saved for compliance purposes and may be included in documentation regarding claims.

Security Methods used to protect your information.

Company uses security software to protect the confidentiality of your personal information including the use of TLS (Transport Layer Security) protocol and greater than 128-bit encryption utilizing advanced ciphers.

By default, all web properties we own are encrypted using TLS at least version 1.2 and further strengthened by HSTS, Content Security policies, and Feature Policies where supported by your web browser as well as other security measures.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to our payment providers in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment and encrypted.

If you submit sensitive information via the website, your information is protected. In addition, Company’s business practices are reviewed periodically for compliance with policies and procedures governing the security and confidentiality of its information. Company’s business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons.

However, no data transmission over the Internet can be guaranteed to be 100% secure, and no data system can guarantee that it is free from error. Therefore, while we strive to protect your personal information, we cannot guarantee or warrant that it will be safe from theft, loss, damage, and/or corruption. By using our Website, you hereby agree that Company and its officers, directors, employees, shareholders, insurers, attorneys, vendors, agents and representatives, shall not be liable for any theft, loss, damage and/or corruption to your information, including but not limited to your personally identifiable information.

Types of Information Collected and how it is used

Aggregate Information:  Orion Financial Services LLC, collects information that is not personal information about users to measure traffic on the website (www.orionfinancailservices.com). This information is collected automatically on an aggregate basis (“Aggregate Information”) using a “cookie” or small text file placed on the User’s hard drive by the User’s Internet browser.

The cookie allows Orion Financial Services LLC to track the number of hits or visits to various pages on the website.  The cookie is used only during a single connection to the Site, and is not used to track User activity after leaving the Site.

The cookie is permanently disabled when the user exits the site and information about individual users is not collected, saved or distributed to others by Orion Financial Services LLC except as provided for in this Policy.

Aggregate Information helps Orion Financial Services LLC understand users’ needs, improve the Site, and demonstrate to others the volume and nature of Site traffic.

Aggregate Information may be shared with third parties without user identifying information where collected by user submissions on the website.

Your Access to and control of Information.

You have the right to request access to the personal information that is maintained about you to ensure that it is accurate and current. You also can request corrections, amendments or deletions of any personal information obtained through this website or otherwise in our possession.

To obtain access to, correct, amend, or delete any of your personal information:   Submit a request in writing to our mailing address or by email to Orion Financial Services LLC.

The request should include your name; your address; a telephone number; and the specific personal information in dispute; and the identity of the document or record that contains the disputed personal information.

Upon receipt of your request, we will contact you within 15 business days to notify you either that we have made the correction, amendment or deletion or that we will not do so and the reasons for the decision not to do so.

You may opt out of any future contact from us at any time by email.

Change to Policy

Orion Financial Services LLC reserves the right to make changes and update this Policy at any time. Changes to this policy will be made in order to clarify it or to comply with legal obligations. The site will display the “Last Updated” date upon any subsequent change of this policy which is also the effective date of the policy upon any change. If you continue to use our website or other services after we make a change to this policy you continued usage is considered agreement and acceptance of this policy.

If you have questions about this Privacy Notice please contact us.

This Privacy Policy is effective as of 04/01/2018