This privacy notice for KindHealth Insurance Services, LLC ("we," "us," or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you visit our website at kindhealth.co, heykind.com and kindbenefits.com (the “Site”), use the products and services on the Site including generative artificial intelligence, use any website or service of ours that links to this privacy policy, use or engage with us in any other related ways including sales, marketing, events, products or services (collectively "Services").

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at hello@heykind.com.

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SUMMARY OF KEY POINTS

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This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

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What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.

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Do we receive any information from third parties? We may receive information from public databases, marketing partners, social media platforms, and other outside sources. Learn more about information collected from other sources.

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How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.

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In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties. Learn more about when and with whom we share your personal information.

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How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.

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What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. 

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How do you exercise your rights? The easiest way to exercise your rights is by contacting us. We will review and act upon any request in accordance with applicable data protection laws.

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TABLE OF CONTENTS

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1. WHAT INFORMATION DO WE COLLECT?

2. HOW DO WE PROCESS YOUR INFORMATION?

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?

5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

6. HOW DO WE HANDLE YOUR SOCIAL LOGINS?

7. HOW LONG DO WE KEEP YOUR INFORMATION?

8. HOW DO WE KEEP YOUR INFORMATION SAFE?

9. OPT OUT

10. DO WE MAKE UPDATES TO THIS NOTICE?

11. HOW CAN YOU CONTACT US?

12. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

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1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

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Summary: We collect personal information that you provide to us.

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We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

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Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

• names

• billing addresses

• contact or authentication data

• contact preferences

• passwords

• usernames

• job titles

• mailing addresses

• email addresses

• phone numbers

• interaction with generative AI chatbots 

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Information automatically collected

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Summary: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

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We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services and for our internal analytics and reporting purposes.

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Like many businesses, we also collect information through cookies and similar technologies.

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The information we collect includes:

• Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).

• Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

• Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.

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• Aggregate Information. We collect statistical information about how both unregistered and registered users, collectively, use the Services. Some of this information is derived from personal information. This statistical information is not personal information and cannot be tied back to you, your account, or your web browser.

Information collected from other sources

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Summary: We may collect limited data from public databases, marketing partners, social media platforms, and other outside sources.

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In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, social media platforms, and from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion. If you interact with us on a social media platform using your social media account (e.g., Facebook or Twitter), we receive personal information about you such as your name, email address, and gender. Any personal information that we collect from your social media account depends on your social media account's privacy settings.

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2. HOW DO WE PROCESS YOUR INFORMATION?

Summary: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

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We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.

• To deliver and improve services to the user. We may process your information to provide you with the requested service or to help us improve the Services including improvement and training of our artificial intelligence technologies.

• To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.

• To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.

• To fulfill and manage your orders. We may process your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services.

• To enable user-to-user communications. We may process your information if you choose to use any of our offerings that allow for communication with another user.

• To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.

• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.

• To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.

• To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.

• To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.

• To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.

• To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.

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3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

Summary: We may share information in specific situations described in this section and/or with the following categories of third parties.

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Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents ("third parties") who perform services for us or on our behalf and require access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organization apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct. The categories of third parties we may share personal information with are as follows:

• Insurance Providers

• Cloud Computing Services

• Communication & Collaboration Tools

• Data Analytics Services

• Data Storage Service Providers

• Finance & Accounting Tools

• Payment Processors

• Sales & Marketing Tools

• User Account Registration & Authentication Services

• Affiliate Marketing Programs

• Government Entities

• Order Fulfillment Service Providers

• Performance Monitoring Tools

• Product Engineering & Design Tools

• Retargeting Platforms

• Social Networks

• Testing Tools

• Website Hosting Service Providers

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We also may need to share your personal information in the following situations:

• Business Transfers. We may share or transfer your information in connection with or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

• Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

• Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.

• Other Users. When you share personal information (for example, by posting comments, contributions, or other content to the Services) or otherwise interact with public areas of the Services, such personal information may be viewed by all users and may be publicly made available outside the Services in perpetuity. If you interact with other users of our Services and register for our Services through a social network (such as Facebook), your contacts on the social network will see your name, profile photo, and descriptions of your activity. Similarly, other users will be able to view descriptions of your activity, communicate with you within our Services, and view your profile.

4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?

Summary: We are not responsible for the safety of any information that you share with third parties that we may link to or who advertise on our Services, but are not affiliated with, our Services.

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The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, please review the privacy policies of any third-party websites and note that we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.

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5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Summary: We may use cookies and other tracking technologies to collect and store your information.

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We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

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6. HOW DO WE HANDLE YOUR SOCIAL LOGINS?

Summary: If you choose to register or log in to our Services using an external account, we may have access to certain information about you.

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Our Services offer you the ability to register and log in using your third-party email or social media account details (like your Google, Microsoft, Facebook, or X logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, and profile picture, as well as other information you choose to make public on such a social media platform.

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We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.

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7. HOW LONG DO WE KEEP YOUR INFORMATION?

Summary: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

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We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us to keep your personal information for longer than twelve (12) months past the termination of the user's account.

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When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

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8. HOW DO WE KEEP YOUR INFORMATION SAFE?

Summary: We aim to protect your personal information through a system of organizational and technical security measures.

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We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

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9. OPT OUT

We are regulated under the Gramm-Leach-Bliley Act as a financial institution.

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You have a right to opt out and limit us sharing nonpublic personal information about you and others on whose behalf or for whose benefit you use the Sites with non-affiliated third parties. If you choose to exercise your right to opt out, you must email us at marketing@getkindhealth.com and indicate that you wish to exercise your right to opt out of Kind’s sharing of nonpublic personal information about you or others on whose behalf or for whose benefit you use the Sites to non-affiliated third parties for purposes other than those that are required or permitted by law.

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Even after you have opted out, there are a number of exceptions under the law that allow us to continue to share nonpublic personal information in limited circumstances.

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For example, after you have opted out, we may still share nonpublic personal information with a non-affiliated third party about you and others on whose behalf or for whose benefit you use the Sites:

• To process or administer a transaction requested or authorized by you.
• To protect the confidentiality or security of our business records.
• For us to conduct required institutional risk control or to resolve consumer disputes or inquiries.
• If the non-affiliated third party either holds a legal or beneficial interest relating to you or acts in a fiduciary or representative capacity on your behalf.
• To protect against or prevent fraud, unauthorized transactions, claims, or other liability.
• To comply with Federal, State, or local laws, rules and other applicable legal requirements.
• To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local governmental authorities.
• To respond to judicial process or government regulatory authorities having jurisdiction over us for examination, compliance, or other purposes as authorized by law.
• To a consumer reporting agency in accordance with the Fair Credit Reporting Act.
• In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit.
• In connection with the provision of services to, or the performance of functions on our behalf, provided that we have a contract that prohibits the use or disclosure of nonpublic personal information for any purposes other than the purposes for which the information is shared by us.
• In connection with offering, endorsing, or marketing products or services jointly for us and another financial institution through a joint agreement, provided that such joint agreement prohibits the use or disclosure of nonpublic personal information for any purposes other than the purposes for which the information is shared by the parties.

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10. DO WE MAKE UPDATES TO THIS NOTICE?

Summary: Yes, we will update this notice as necessary to stay compliant with relevant laws.

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We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

11. HOW CAN YOU CONTACT US?

If you have questions or comments about this notice, you may contact our Data Protection Officer (DPO), Dwamian Mcleish, by email at dwamian@kindhealth.com, or contact us by post at:

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KindHealth Insurance Services, LLC

Dwamian Mcleish

301 S Heatherwilde Blvd #2857 

Pflugerville, TX 78691

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12. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country, you may have the right to request access to, modification of, or deletion of the personal information we collect from you. To exercise these rights, please send an email to hello@heykind.com.

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