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Privacy Policy

Revised 9/20/2012

Affiliation with OnlineNavigator -
All personal enrollment support is provided through OnlineNavigator. See that Web site for the privacy policy for personal enrollment support services. The following privacy statement applies to privacy of information by Freedom Benefits other than through a personal enrollment support service.

Private Personal Information
defined - "Private personal information" is defined under federal law as the combination of an individual's name with at least one of the following: 1) social security number, 2) credit card information or 3) financial account information. Example: A copy of a paid invoice that shows the payment detail typically contains enough information to be considered Private Personal Information while a business card is not considered Private Personal Information.

Access to Private Personal Information - Freedom Benefits does not request, collect, retain or distribute Private Personal Information as part of our regular business procedures. Our role is limited to providing enrollment advice and this service is normally be provided without access to Private Personal Information. Example: An agent or navigator would request your name, address, telephone, e-mail and social security number if it appeared that you may be eligible for a Qualified Insurance Plan through an exchange and that coverage was proposed that as a coverage option. This information would not be available to Freedom Benefits.

U.S. Department of Health and Human Services requirements - The federal government requires an agent or navigator to submit your name, address, telephone, e-mail and social security number to the exchange in order to receive compensation. The inclusion of the social security number in this required communication makes this transmission of Private Personal Information. Freedom Benefits is not an agent or navigator but Freedom Benefit is owned and operated by agent Tony Novak and may engage other agents and navigators.  Example: When we advise you about the availability of a federal PCIP insurance programs the agent submits a Client Referral Form to the U.S. Department of Health and Human Services that contains your name, address, telephone number, e-mail address and social security number.

Handling of Private Personal Information - We may occasionally receive private personal information incidental to the conduct of our business. In the event that we do gain access Private Personal Information in the course of providing our service, this information is used only for the specific purpose and then treated in the same manner as all other electronic data and communications as described below. Example: We do not release your information to any company for marketing purposes.

Handling of other personal information - Freedom Benefits advisers do not disclose your name, e-mail or other information to any other person without your expressed permission to do so. Example: If you ask us for help because you are have not been able to reach your insurance company to resolve a billing problem, we may ask the insurance company to contact you at the phone number you provide.

Data security - Our internal control of data security meets or exceeds the industry standards of the financial advisory industry, specifically those addressed by the AICPA TTI II statement in 2011. We are not subject to the HIPAA data security standards required of health care providers or insurance companies.

Affiliated company privacy policies - Each independent insurance company, plan administrators and government health plan has its own privacy policy for handling data in its operations which, in general, are far more extensive than the procedures and policies at Freedom Benefits. We encourage users to be aware of the privacy policies of each company providing a service.

Experience and track record - We have not received any customer complaints or any report of customer concerns regarding the online privacy procedures or security issues with regard to Freedom Benefits, OnlineAdviser or any of the independent companies listed on this Website. Given this record of experience dating back to 1997, we have no reason to believe that any material weakness in the privacy policy or procedures exists in our operations or those of any affiliated company.

Privacy concerns
- If you have any questions or concerns about privacy issues at Freedom Benefits please contact our privacy officer Tony Novak.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.