Privacy Policy

We take your privacy seriously. Please read our privacy policy carefully to learn more.

If you have any questions about this Privacy Policy, please contact us using the contact information provided in your program materials or on the program website. We recognize the importance of privacy and have attempted to conform this Privacy Policy to applicable industry standards and practices existing at the time of its posting. We welcome your feedback.

1. Service is Not for Use by children under the age of 18

By using our Services and/or agreeing to these Terms, you are representing to us that you are over the age of 18.

2. Information we may collect, and whether this includes personally identifiable information

We may collect information in different ways:

Information You Voluntarily Provide. Personally identifiable information you voluntarily provide may be collected if it is necessary to administer the Services.

For example, when you sign up for Services that require registration or payment, we require personal information such as your name, address, and possibly billing information. If payment is required for the benefits you have selected, we request credit card or other payment or billing information, which we maintain in encrypted form on secure servers. This information is used to fill customer’s orders and is used as contact information to get in touch with the user if we have trouble processing an order. We may use your personal information for marketing and advertising purposes, and we may combine the information you submit when your order our Services with information from other services or third parties.

The information voluntarily provided by you during the registration process may also include or naturally entail other demographic information which is not personally identifying, such as gender, preferred language, age, occupation, household income, ZIP Code or country.

A registration/employee profile form must be completed by the user to use this website. Employers who register are required to allow Worklio access to their payroll system, from which information of the company’s employees is imported such as name, email address, date of birth, home address, and social security number. This information is used to provide price quotes for insurance products and other benefits. If a company and employees choose to enroll in offered products, then the information is used to enroll the company and employees in those products, and, if a benefit program is chosen by the employer, to contact employees about enrollment and any problems they may have. Without the registration information, Worklio cannot process the user’s order, quote rates, or allow access to the secure area of the website.

Information we may collect from your use of our Services:

Community or Public Forums and Third Party Links. Our Service offers publicly accessible community services such as feeds, profiles, sharing and public links. You should be aware that any personal information or Content you provide in these public areas may be read, collected, and used by others who access them.

Our Site includes links to other third party websites whose privacy practices may differ from those of ours. We have no control over the policies, actions or omissions of third party websites and are not responsible or liable for any such policies, acts or omissions. If you submit personal information to any of those websites, your information is governed by the applicable third party privacy policies and not by our privacy policy. We urge you to carefully review the privacy policy of any website you link to, visit or share information with prior to doing so.

If you are connected to a social network service user account such as Facebook®, we automatically receive and record anonymous data such as anonymous user identifiers provided by such social network service as well as information that you have made available publicly to everybody through such social network service.

If you specifically allow us to access your social network user data such as your Facebook® user data, we automatically receive and record any information you have allowed us to access on your social network user account. As noted below, you can opt not to disclose such information to us.

Server Logs. Our servers automatically record information that your browser sends and the Uniform Resource Locator ("URL") of the web page from which you came to us whenever you visit our website. These server logs may include information such as your Internet Protocol ("IP") address, browser type, browser language, date and time of your request, search terms and may include a domain name and the date and time for each page you view. We also collect the name of and information about any advertisement or other link that brought you to us. This information does not personally identify you. We use IP addresses to diagnose problems with our servers and to administer our website. Your IP address also is used by us to gather broad demographic information, such as your general geographic location and internet service provider. IP addresses are further used to help determine the number of our users to maintain efficient administration of our Services. This demographic information may also be used by us to analyze aggregate usage behavior.

Cookies. “Cookies” are small files that collect information that we use to indicate the beginning of your Worklio session and to navigate our website. We may send one or more cookies to your computer that uniquely identifies your user account or computer. We use cookies for such functions as verifying that you are one of our users, maintaining a history of services provided and enabling the fulfillment of our Services. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, you will not be able to log in to our website if your receipt of cookies is disabled.

Use of Remarketing with Google Analytics™. We send and use cookies to enable basic web traffic analysis using Google Analytics™ to capture information about page visits (showing us which areas of the website are popular and those that are not often visited, this allows us to prioritize our enhancements to our website). This information is anonymous and we use this information only internally - to deliver the most effective content to our visitors. We use analytics data to serve ads based on a user's prior visits to our websites. Website visitors may opt out of the Google Analytics™ cookie by visiting the Google® advertising opt-out page or they may opt out of Google Analytics™ by visiting the Google Analytics™ opt-out page. Google® has additional information available about their Remarketing Privacy Guidelines, Policies, and Restrictions.

Communications. We send all new registered users a confirmation email to verify user information and purchases. Established users may receive periodic information on products and service enhancements or survey requests concerning the use of our site. We respect the privacy of our users and their employees and clients, and present the option of not receiving these types of communications as described in our opt-out statement below. If you email us, we may store copies of such email or similar communications between you and us. This can result in the collection of your email address or other personally identifiable information you may have in your email text, addresses, or other fields, as well as the collection of the your IP address, the Internet or other routing of your communication, and the date and time of your communication. All transmissions between you and us, including emails, URLs, cookie identification numbers, usage paths, and any personally identifiable information they might contain, pass through many third party machines, operating systems, programs, browsers, web servers, networks, routers, Ethernet switches, ISPs, proxy servers, intranets, the public telephone systems, or other devices, any of which may create activity logs containing such transmissions, and many of which we cannot control. When you send email, feedback, comments or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests, improve our Services, and may post or use such communications without any obligation to you.

3. What we do with the information we collect/store and how we may share the information

For reaching you. We will share your personal information with Contractors available or selected to provide the Services you select. We will display and make accessible the information and files, materials, and content that you choose to share or make public. We may use the information, including your personal information, that we collect for providing you with the Services that you select, as well as for marketing or advertising programs with our partners, and we may share this information with our employees, contractors and agents, and certain partners. We may contact you by email to respond to your Customer Service inquiries and to verify the quality of the Services provided.

In order for us to enroll you in our benefits programs, some providers require us to provide certain personal information, such as name and address and other application information. WORKLIO MAKES NO REPRESENTATION OR WARRANTY ABOUT THESE ENTITIES AND HOW THEY WILL TREAT YOUR PERSONAL INFORMATION. YOU SHOULD NOT EXPECT WORKLIO TO GUARANTEE THE PRIVACY OR SECURITY OF YOUR PERSONAL INFORMATION MERELY BECAUSE IT WAS PASSED TO THOSE ENTITIES THROUGH WORKLIO. IF YOU CANNOT ACCEPT THIS RISK, YOU SHOULD NOT USE OUR SERVICES.

Legal or Governmental Compliance. We may share your personal information, IP address or Content with persons outside of our company if we have a good faith belief that access, use, preservation or disclosure of such information or content is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce agreements or resolve disputes between you and us, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of our company, its users or the public as required or permitted by law. We will disclose any information or content we possess that is directly responsive to subpoenas, court orders, or other legal or governmental inquiries, and such information might be used by the receiving party to determine your identity.

Business Transfer. If we become involved in a merger, acquisition, or any form of sale of some or all of our assets, we will provide notice if such a transaction results in your information being subject to a different privacy policy.

Service Providers, Business Partners and Others. We may use certain trusted third party companies and individuals to help us provide, analyze, and improve the Service (including but not limited to data storage, maintenance services, database management, web analytics, payment processing, and improvement of the Service’s features). These third parties may have access to your information for purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy and must apply appropriate confidentiality and security measures.

Non-Personal Information Disclosure. We may disclose or share non-personal or anonymous or aggregated information with third parties, such as usage statistics of our Services or IP addresses. Aggregated non-personally identifiable information is information recorded about users and collected into groups so that it no longer reflects or references an individually identifiable user. These third parties may collect information when users visit our Services. These third parties may use this aggregated information about your visits to this and other websites in order to provide advertisements on the other websites and other forms of media about goods and services of interest to you. For example, this is how anonymous data may contribute to or be used to improve our Services and your experience:

• Advertising Research - non-personally identifiable data, which includes purchase trends, web use and demographic information, may be shared anonymously with third parties so they can understand if and how their advertising spending impacts the consumer journey and consumer decisions.
• Media Use Analysis - non-personally identifiable data may be shared anonymously with clients so they can understand where consumers go online and how consumers interact with digital media which includes website content and advertising that is seen through web and mobile browsers.
• Profile Building – third parties may use the data we have collected, either explicitly provided or collected from online behaviors, to obtain additional information from other public and private data sources. These third party data sources may provide information on the types of purchases relative to household and lifestyle information, and broader demographic details. We or third parties may then use the combined data to create non-personally identifiable profiles that are shared as consumer segments.
• Addressable Marketing Segments - we may use non-personally identifiable data to identify certain consumer segments reachable with advertising.

If you would like more information and to know your choices about this practice, please visit: http://www.networkadvertising.org/managing/opt_out.asp.

Third-Party Applications. We may share your information with a third party application with your request or consent, for example when you choose to access our Services through such an application, for example through a mobile device application. We are not responsible for what those parties do with your information, so you should make sure you trust the application and that it has a privacy policy acceptable to you prior to accessing our Services using any third party applications.

Marketing and Advertising. Worklio and its affiliates may use Personal Information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each communication we send you will contain instructions permitting you to "opt-out" of receiving future communications and will be in compliance with CAN-SPAM and other applicable regulations. In addition, if at any time you wish not to receive any future communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.

Surveys: Our website may request information from users via surveys. Participation in these surveys is completely voluntary. The type of information requested may concern Worklio processes, website usage, planned purchases and feature requests. Contact information will be used to verify the validity of the information provided. Survey information will be used for the purposes of monitoring or improving the use and satisfaction of this website or for future product development.

4. Security measures used to protect against the loss, misuse or alteration of information under our control

The security of your information and content is important to us. If we collect information from your computer, we encrypt it while it’s being transferred to us. Once the information reaches our secure servers, as part of our security program, we employ procedures and safeguards, such as maintaining firewalls and having an intrusion detection system, to protect the confidentiality, security and integrity of the information we maintain. However, as with any information travelling over the Internet and kept in servers, we cannot guarantee absolute security.

When we work with third parties, we require that they maintain the confidentiality, security and integrity of the information and commit that the information is not used for any prohibited purpose. Additionally, we use commercially reasonable computer security safeguards to protect our databases and servers against risks of loss, unauthorized access, destruction, misuse, modification, or inadvertent or improper disclosure of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data. We restrict access to personal information to our employees, contractors and agents who need to know that information in order for us to provide, develop or improve our Services. Security risks, however, cannot be completely eliminated and we therefore cannot guarantee complete security.

If you send us an email, you should know that email is not necessarily secure against interception. Therefore, if your communication will include sensitive information like your bank account, charge card, or social security number, and you prefer not to transmit it electronically, please contact us by postal mail or telephone rather than email. We do not send emails asking for a user's username and password or its Windows® username and password or any other username or password.

5. Choice and Correcting / Updating / Deleting / Deactivating Personal Information

We understand and respect that people have different privacy concerns. Our goal is to be clear about what information we collect and how it may be used, so that you can make meaningful choices. For example, you can:

• Cancel your account or Service order at any time prior to the requested Service being performed;
• You can decline to submit requested information, however, it’s important to understand that the Services may not function properly or we may not be able to provide the requested service to you;
• You can discontinue use of our Services at any time with proper notification so that we may properly process any cancellations;
• Control what information you post in public profiles and who you share information with;
• Set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being set by us. However, it’s important to understand that you will not be able to log in to the website if your cookies are disabled.

If we propose to use personal information for any purposes other than those described in this Privacy Policy, we will offer you an effective way to opt out of the use of personal information for those other purposes. If your personally identifiable information changes (such as ZIP Code, phone, email or postal address), or if you no longer desire the Services, we provide a way to correct, update or delete/deactivate users' personally identifiable information. This can usually be done by emailing or calling Customer Support.

6. Changes to this Privacy Policy

This Privacy Policy may change from time to time. You are responsible for periodically reviewing this Privacy Policy for any applicable changes.

Last Updated: December 21, 2014

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