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Your privacy is very important to us, and we are committed to protecting it. We have established this policy and are posting it here to let you know that we protect your privacy by carefully and appropriately handling the information we receive from you.
We recommend that you read this policy carefully before using our website or the Member Portal (collectively “the Site”) to communicate with, or send any information to, us. If you do not intend to, or cannot, comply with this policy and our Terms and Conditions of Use, you may not enter, access or otherwise use this website or the Member Portal and should not send us any personal information.
Your use of the Site is conditioned upon your prior acceptance of the terms and conditions of this policy and it is a part of, and is hereby incorporated by reference in, our Terms and Conditions of Use.
Christian Healthcare Ministries (CHM) does not share, sell, or rent your personal information to third parties for their marketing purposes. We only collect personal information from you that you voluntarily supply to us that is necessary to provide you with the service(s) you request from us. By providing your personal information, you agree that we may use it to provide the service(s) you have requested or contact you in the event that we cannot provide the service(s) requested.
Portions of the Site contain functions for collecting your personal information, which can include your name, email address, home or work address and telephone number, as well as the history of your access to the Site. We may also collect anonymous demographic data that is not unique to you, which can include your ZIP code, age, gender, preferences, and interests. We may also collect and track non-personally identifiable data about you, including, but not limited to, how you use certain features of the Site, the general regions from which visitors to the Site are contacting us and how many people are visiting the Site at or over any given time. We use analytics tools and other third party technologies (such as Google Analytics and Google AdWords) to obtain this anonymous information.
We reserve the right to compile, save, use within the scope of our ministry, and analyze any and all of the data we collect. We may provide aggregated statistics about users (which includes you) to third party organizations, but when we do so that information will be aggregated so that users remain anonymous.
Third party organizations who collect information on the Site may combine this information with information they have independently gathered from other websites, services and applications relating to your activity on those other websites, services or applications. They may collect and use this information in accordance with their own privacy policies.
Personal Information refers to all information that you submit to us on a voluntary basis that identifies you as a unique individual. This includes your name, contact information such as your e-mail address, company name, address, and phone number, and other information about you or your organization. It can also include information about any transactions, both free and paid, that you enter into on the Site, and information about you that can be found on the internet, such as from Facebook, LinkedIn, Twitter and Google, or information that we acquire from various service providers.
Personal Information also includes Navigational Information or Payment Information where such information can directly or indirectly identify you.
Navigational Information refers to information we obtain when you visit the Site about your computer and includes other information such as your IP address, geographical location, type of browser you use, referral source, length of visits and pages you view.
Payment Information includes information that we collect and process from you when you apply for membership, including credit card numbers and billing information, for which we use third party PCI-compliant service providers. Except for this, and what is noted in the following paragraph, we do not collect Sensitive Information from you.
Sensitive Information refers to your credit or debit card numbers, personal financial account numbers and information, Social Security number, passport number, driver's license number and all other similar personal identifiers. It includes data on your racial or ethnic origin, physical or mental health condition or information, or other employment, financial or health information. In order to process your membership application and requests for medical bill sharing through the Member Portal, and only for those purposes, we do collect Sensitive Information related to your physical and mental health.
When you view content on the Site that we have posted, we automatically collect data about your computer and its software. You should expect this information to include your IP address, type of browser, domain name(s), internet service provider (ISP), the files you view on our site (e.g., HTML pages, graphics, etc.), operating system, clickstream data, access times and the addresses of referring websites. We use this information to obtain and analyze general statistics regarding visitors’ use of the Site. For these purposes, we may link this automatically-collected data to other Personal Information such as your name, email address, address, and telephone number.
Information we collect from third parties
We may occasionally receive Personal Information about you from third party sources, which includes partners with whom we offer co-branded services or engage in joint marketing activities, and other sources such as social media websites.
Information About Children
The Site is not meant for or targeted at children under the age of 16, and we do not knowingly or intentionally collect personal information about children under 16, except through the Member Portal in conjunction with the processing of applications for membership and requests for the sharing of medical bills. If you believe that we have collected personal information about a child under 16 other than for these purposes, please contact us at email@example.com, so that we may delete the information.
When you submit medical bills to us for sharing, you will be asked to also submit a form authorizing your health care provider(s) to furnish your medical information to us so that we can process those medical bills for sharing. This form is compliant with the federal law (HIPAA) that protects patient information. Once CHM receives that information, it is kept in a secure location and is only accessed by employees who need that information in order to process your bills for sharing. This also applies to health information you send to us as part of the application for membership. We cannot be held liable for compromised security while any of your health information or medical bills are in transit from anyone to us. (As a reminder to you: Do NOT send Sensitive Information via email, as that method of transmission is NOT secure.)
We may use your Personal Information for several purposes, including to:
Lastly, we may use your information as otherwise necessary or useful for us to conduct our ministry, so long as such use is permitted by law.
If you are, or become, an inactive member of CHM, we may retain your member records, payment and credit card information, Protected Health Information (as defined in HIPAA) and other personal information for up to thirteen (13) months, and your marketing information for up to five (5) years, after you are no longer active.
We will share your name, email address, home or work address and telephone number only with third parties as permitted under the terms of our HIPAA Notice of Privacy Practices. These third parties have confidentiality agreements with us and are prohibited from using this information except to provide services to you, and must do so in compliance with HIPAA.
Additionally, we may disclose your Personal Information when required by law, rule, or regulation. We may also disclose this information to unrelated parties in special cases when we have a reasonable belief that such disclosure is necessary to identify, contact or bring legal action against a person or persons who may be causing injury to, or interfering with, any of our rights or property (including the Site), other computer users accessing the Site, or any third party. In addition, we may disclose information about persons and organizations who access the Site to law enforcement agencies, judicial or government authorities or to other individuals or entities in compliance with subpoenas, court orders or other legal processes.
Cookies are small bits of information that are stored on your computer that keep track of your activities on the Site, save your password or deliver content specific to your interests. Cookies help establish a user session and allow our server to correctly provide Site visitors with the appropriate information, advertisements and services.
Pixel tags (also known as “Web beacons”, “page tags”, or other names) are objects, such as images, that may be embedded in a web page. When they are loaded, the page has been accessed. Pixel tags are commonly used in combination with cookies to identify a unique visitor. These tags provide us with data telling us how the Site is being used, and also help us gauge the effectiveness of our advertising and furnish you with information that provides the best possible user experience to you.
Christian Healthcare Ministries treats your data the way you do: as an asset to be protected against loss and unauthorized access. We employ security techniques such as firewalls, data encryption, and other security measures to protect such data from unauthorized access by users inside and outside CHM. For example, you may access your online Member Portal only if you have registered for that access. CHM encrypts your personal information such as user IDs, passwords, and account information when sent over the Internet. Any information we send to you is scrambled en route and decoded once it reaches your browser. However, since “perfect security” does not exist, by using the Site you agree that we are not liable for security infringements committed by unauthorized users outside CHM.
If you suspect improper use of, or access to, your information in conjunction with your use of the Site, please immediately call the CHM Member Services department at 1-800-791-6225, ext. 5993.
If you are a member, we may send certain electronic communications to you, such as newsletters, notifications, and other communications about our ministry. To opt out of any specific electronic marketing communication, follow the “unsubscribe” instructions associated with that communication. If you have submitted Personal Information through the Site, you are entitled to request a restriction on the use and disclosure of your information.
To opt out of certain types of anonymous data collection, you can:
As a member, you also have the ability to request access to your protected health information that we hold and further request that we correct or amend that information. As a reminder, if you choose to contact us via email, any email that you send or receive on an organization’s email system may be the property of that organization. This means that that organization may have the ability to review your personal information sent via its email system.
This section applies only to California members of CHM and describes how we collect, use, and share California members' Personal Information and their rights in this process. If this section applies to you and you are unable to access it because of a disability or physical or mental impairment, please contact us and we will supply you with this information in a format that you can access.
As used in this section "Personal Information" has the meaning specified in the California Consumer Privacy Act (“CCPA”).
How We Collect, Use, and Share your Personal Information
We may have collected the following statutory categories of Personal Information in the past twelve (12) months:
The business and commercial purposes for which we may have collected this information, and the categories of third parties to whom we may "disclose" this information for a business purpose, are described above in this policy.
Your California Rights
You have certain rights regarding the Personal Information we collect or maintain about you. Please note that these rights are not absolute, and there may be cases in which we decline to comply with your request when permitted to do so by law.
Your Right of Access means that you have the right to request that we disclose to you what Personal Information we have collected from you, and used or disclosed, in the past 12 months.
Your Right of Deletion means that you have the right to request that we delete your Personal Information collected or maintained by us, subject to certain exceptions.
Your Right to Non-discrimination means that you will not receive any discriminatory treatment from us when you choose to exercise any of your privacy rights.
We do not sell anyone’s Personal Information to third parties (pursuant to California Civil Code §§ 1798.100–1798.199, also known as the California Consumer Privacy Act of 2018).
How to Exercise your California Rights
You may exercise these rights yourself or you may authorize an agent or attorney to exercise these rights on your behalf. Please note that, to protect your Personal Information, we will verify your identity by a method of our choice. We may also request that your authorized agent or attorney provide us with written authorization from you to make requests on your behalf, and we may also choose to verify that authorized agent's or attorney’s identity before taking any action concerning your Personal Information.