Privacy Policy of Alternative Health Insurance Services

PURPOSE OF THIS INITIAL PRIVACY NOTICE

We value your privacy, guard your personal information, and do not share anything about you with anybody.   Nevertheless, the law requires that we send this notice to our clients.

The purpose of this notice is to inform you of Alternative Health Insurance Services' ("AHIS") privacy policies and procedures. We protect your nonpublic personal information ("NPI") from disclosures that are not allowed by law or restricted or disallowed in this Initial Privacy Notice. AHIS gives this Notice as a service to all valued customers and to comply with the requirements of the law.

This Initial Privacy Notice describes how AHIS collects, discloses and protects the personal information we gather about you. We may materially change our privacy policies and procedures, and if we do we will notify you before we make the changes.

OUR PRIVACY POLICIES AND PROCEDURES

1) Categories of NPI We Collect. We collect several types if NPI about you including:  Your name, address, social security number, medical history, dependent information, and other information necessary to obtain insurance coverage for you.

2) Categories of NPI We Disclose.   We only disclose information necessary to obtain insurance coverage for you (and your dependents) or to determine eligibility for benefits or payment.

3) Categories of Affiliates and Nonaffiliated Third Parties to Whom We Disclose NPI.

a) Affiliates.       None

b) Nonaffiliated Third Parties.   Your name and address is provided to the network(s) providing you access to the alternative medicine discount card.

c) General Types of Businesses.  None

4) Former Customers.             None

5) Opting Out of Disclosure to Nonaffiliated Third Parties We Market Joint Products With.   We do not disclose NPI about you to nonaffiliated third parties.

6) We Share NPI With Our Wholly Owned Affiliates.   You may not prevent us from sharing with our wholly owned affiliates, however, we have no wholly owned affiliates.

7) Disclosures Made of NPFI Protected by the Federal Fair Credit Reporting Act.   The law allows us to share non-transactional information you disclosed under the Fair Credit Reporting Act, however, we do not share this information.

8) How We Protect the Confidentiality and Security of NPI.   We protect and safeguard your NPI.  Access to our files is restricted to the agent you work with.  A firewall as well as two anti-spyware programs and anti-virus programs that are constantly updated protect computer data.

9) Your Right to Access, Copy Review and Request Correction of NPI. You have the right to access, copy, review and request correction of any NPI in our possession. You must make this request to us in writing and we have 45 days to allow you to review your NPI. If you believe that there is an error in the information, you may request in writing that it be corrected. We have 45 days from receiving the request to make the correction or to inform you as to why we will not make the requested change and the reasons why. If you disagree with the refusal, you may supply us with a concise statement why you disagree and it will be filed with your NPI.

10) Allowed or Required Disclosure of NPI Under Specific Exceptions. The law allows or requires us to disclose NPI in the following situations. You may not prevent our disclosure of your NPI as authorized by law.

a) With your written authorization.

b) To a non-insurance entity if it is reasonably necessary for us to properly do our business and the other entity agrees not to disclose the NPI.

c) To an insurance entity if the disclosure helps the receiving party perform an insurance transaction for you or if it is reasonably necessary to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction.

d) To a medical professional in order to:

1. Verify coverage or benefits, conduct operations or service audits; or

2. Inform a person of a medical problem they might not be aware of.

e) To the Department of Insurance, law enforcement or other governmental entity including an administrative or court order, or as is otherwise required or permitted by law.

f) To conduct actuarial or research studies if there are proper safeguards.

g) To facilitate the sale of whole or part of an insurance business.

h) To a wholly owned affiliate whose only use will be for marketing a financial product or service provided that.

1. No medical or character information may be disclosed.

2. The person getting the information agrees to use it only for the purposes for which it was intended

i) To a nonaffiliated third party  for the marketing of a joint financial product or service with us provided that:

1. The information can only be used by the nonaffiliate for marketing our joint financial product.

2. You have been given the opportunity to opt-out and have not done so.

3. No medical information is disclosed.

j) By a consumer reporting agency if the information does not go to an entity.

k) To a group policyholder to report claims experience or do an audit or to a certificate holder or policyholder to inform them of the status of an insurance transaction.

l) To a professional peer review organization to review medical care.

m) To the government to determine eligibility for health benefits.

n) To a lien holder, etc. or any other having a legal interest in an insurance policy to the extent that the disclosure is needed to protect their interest.