Privacy Policy

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What Information Do We Collect?

Personal Information
privacy_policyWe do not collect any Personal Identifiable Information (“PHI”) about you unless you voluntarily provide it to us. You may provide certain PHI to us when you (a) apply or request information for a quote, (b) request for quote for an employer sponsored plan, (c) when you send email information, submit forms, or send other information. In the future, we may also receive certain PHI form third-parties you have authorized to disclose such information.

Personal Identifiable Information includes:

  • (a) “Contact data” such as your name, address, city, state, zip, phone number, email address, and your occupation;
  • (b) “Financial data” such as your annual income, your credit card number, expiration date, and verification code;
  • (c) “Demographic Data” such as your company, nature of your business, SIC code, contact name, title, and other information; and
  • (d) “Transaction Data” such as your risk assessment, occupation, and other sensitive information necessary to generate an initial quote.

Calls and Electronic Communications
In the regular course of our business, we may monitor and record phone conversations or email communications between you and MNJ Insurance Solutions for training and quality assurance purposes. We may receive a confirmation when you open or click on content in and email from us. If you do not wish to receive promotional communication emails from MNJ Insurance Solutions, you may request to unsubscribe by emailing us.

Contact Data and Traffic Data
We use this information to gather general statistics about our clients and visitors. We may use demographic data to generate collective information about our users, but not in a way that specifically identifies them. For example, we may inform third parties about the number of unique visitors and the pages they browsed.

How We Use the Information We Collect. With Whom We Share the Information.

Personal Information
privacy_policy-04aWe do not collect any Personal Identifiable Information (“PHI”) about you unless you voluntarily provide it to us. You may provide certain PHI to us when you (a) apply or request information for a quote, (b) request for quote for an employer sponsored plan, (c) when you send email information, submit forms, or send other information. In the future, we may also receive certain PHI form third-parties you have authorized to disclose such information.

We share individual/client information with third parties as follows:

Use of Personal Information
Information we collected during your visit to MNJinsurnace.com and/or phone conversation is used by MNJ Insurance Solutions. We share information with trusted service providers who provide specific services and/or administer products and/or services from our site. We maintain strict security over all the information you share with us and use this information to support our relationship and services requested.

Third-Party Personal Identifiable Information
MNJ Insurance Solutions may request businesses to submit census data regarding the prospective policy and its employees in order to prepare an insurance quote. Census data generally consists of prospective employee’s names, gender, and date of birth, home zip code, spouse/domestic partner and dependents’ names, dates of birth, home zip code. We also need the name of the prospective company, nature of business/SIC, and corporate zip code. In addition, we may request businesses to provide certain information about the medical condition of prospective beneficiaries that will be used in generating requested quotes.

This information is solely used for the purpose of generating a quote and negotiating the best rates possible, when applicable. The information is not shared with any third party, except when request for quotes are sent. In that case, the information is shared with the insurance carriers working with MNJ Insurance Solutions for the purpose of providing the requested quote. MNJ Insurance Solutions may retain a completed rate quotation, which may include census data described above for future reference for our client records.

Service Providers
We may share information with our trusted service providers who provide specific services and/or administer products/services from our site. These companies need your PHI in order to prepare quotes for products/services. The companies are not authorized to use the information we share with them for any other purpose.

“We do NOT sell or rent Personal Identifiable Information.”

Website Access beyond MNJ Insurance’s Control
MNJ Insurance Solutions may include interactive forums, such as message boards, Facebook LinkedIn, our blog at www.hcreformandmore.com, etc. Any PHI disclosed in these areas is public and becomes public information. You should use caution when deciding whether to disclose your personal information in these forums.

Other Transfers
We may share Personal Identifiable Information and other data with business controlling, controlled by, and under common control with MNJ Insurance Solutions. If MNJ Insurance Solutions is merged, acquired, or sold, or if some or all of our assets or equity are transferred, we may also disclose or transfer Personal Identifiable Information and other data in connection with the associated transactions.

HIPAA Readiness
MNJ Insurance Solutions, Inc. monitors the implementation of HIPAA Administrative Simplification regulations, and is committed to becoming compliant with all applicable provisions of such law.

Changes to MNJ Insurance Solutions’ Privacy Policy
If we decide to change our privacy policy, we will post those changes on our website, so our users will always be aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with privacy policy under which the information was collected.

If you have questions or concerns about the Privacy Policy, please contact us at (714) 716-4303.