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Age Well Planner (AWP) Privacy Policy

Updated September 2020

AgeWellPlanner® (“AWP”) and National Council on Aging (“NCOA”, “we” or “us”) respects that privacy and security are important to you. They are important to NCOA, as well. This Privacy Policy discloses the privacy practices for www.agewellplanner.org, a website of NCOA (the “website”). As described in detail in this Privacy Policy, we may collect and use information about you from your use of the website in the following ways:

  • We collect information about your use of the website, which does not contain your name or other personal information, in order to analyze and improve the usefulness of our website.

  • We may share this non-personal information with our business partners to improve our service to you and others.

  • We may collect Personal Information about you including contact, demographic, health, or financial information that you chose to disclose on the website in order to provide you with information about Medicare coverage, estimated costs, access to benefits and services, or annuities.

  • We may combine, in a way that is not identifiable to you, your personal information with information from other users to create aggregate data that we may disclose to others for advocacy activities and other purposes.

  • We may provide certain third-party contractors technical access to your Personal Information in the course of providing products or services to us, such as hosting the website, but we require these parties to maintain the confidentiality of your Personal Information.

Please read the full Privacy Policy below for a more detailed description of how we collect and use information about you. This website is intended only for adults in the United States. Any information you provide, including Personal Information, may be processed and stored on servers in the United States.

By using the website, you consent to the collection, use and disclosure of your information in the ways described in this Privacy Policy. If you do not agree with these terms, please do not use the website.

We may change this Privacy Policy from time to time, so we ask that you revisit this Privacy Policy to be sure that you are familiar with our current policies. In the event we make any changes to this Privacy Policy, we will post these changes on this website, together with the date on which we made the most recent change.

About this Privacy Policy and using the website

NCOA created this Privacy Policy in support of our commitment to your online privacy and security. This Privacy Policy discloses what information we collect and use about you from the website. For an explanation of capitalized terms used in this Privacy Policy, please refer to the definitions at the end.

We will inform you of the following in this Privacy Policy:

  • What information about you we may collect;

  • How the information is used;

  • With whom the information may be shared;

  • What choices are available regarding collection, use and distribution of the information;

  • What information may be shared by a third-party partner of AWP and/or NCOA;

  • What kind of security procedures are in place to protect the loss, misuse or alteration of information under our control; and,

  • How you can correct any inaccuracies in the information.

Please take the time to read and understand this Privacy Policy so that you can understand how we use your personal information.

Using the website

The purpose of the website is to provide information, education and resources concerning Medicare and related services to older adults in the United States who may be eligible for Medicare or are planning to become eligible for Medicare.

While you may use features of the website without providing Personal Information about yourself, certain tools and services on the website require that you complete forms and provide certain Personal Information. Depending on the website features you choose to use, we may collect information about your health in combination with other Personal Information about you. If you choose to use certain website tools, we will also provide estimated Medicare costs based on information you provide, including date of birth, income, any medical conditions you may have, prescription drugs, frequency of visits to your healthcare providers and your location. You are responsible for ensuring the accuracy of the Personal Information you submit. Inaccurate information will affect the information, including estimated Medicare costs, you receive when using the website and our ability to contact you as described in this Privacy Policy.

Applicability of Privacy Policy

NCOA values and respects your trust and believes you have a right to know about how we collect and secure information we collect about you on the website. This Privacy Policy applies to this website only.

This Privacy Policy applies when you access and use the website from mobile devices such as smartphones, tablets, computers, and other devices and when you communicate with us by mail, email, phone, social media, or in person, including NCOA-sponsored educational and other events. The website may contain links to other websites provided by other parties, including third parties in the aging community, governmental agencies and third-party sponsors. Once you access a third-party website (whether through our service itself, or via a link), please be aware that NCOA is not responsible for the privacy practices of those other parties. NCOA does not endorse and is not responsible for the privacy practices of those parties or their websites.

We encourage you to look for and review the privacy statements of each and every website that you visit through a link on AWP and NCOA’s other websites.

What information is collected and how is it used or disclosed?

Non-personal information we collect about you

We collect non-personal information about your use of the website, including the geographic location in which you live or work. NCOA collects non-personal information to determine potential eligibility for Medicare programs, to conduct analysis to determine the effectiveness and use of the services offered on the website and availability of benefits or programs, to assist in improving the service offerings on the website and for advocacy purposes.

Cookies

We may collect information about your use of the website and linked websites through the use of cookies, identifiers for mobile devices (e.g., Android Advertising Identifier or Advertising Identifier for iOS) or similar technology used to collect data, including Google Analytics. Cookies are text files placed on your hard disk by our web server to store your preferences. Cookies, by themselves, do not tell us your email address or other Personal Information unless you choose to provide this information to us. However, once you choose to provide the Personal Information, this information may be linked to the data stored in the cookie. Cookies cannot be used to run programs or deliver viruses to your computer.

The information collected by cookies may be used for the following purposes: (i) to help us generate content on web pages or in newsletters and make improvements to the website, (ii) to allow us to statistically monitor how many people are using the website and selected sites to which the website links, (iii) to allow us to monitor how often different functions of the website are used, and (iv) to help us determine for what purposes these actions are being taken. Cookies may also be used to transmit non-personal information between website pages in support of application features, as navigation aids and/or to determine popularity of specific content.

Most browser software can be set to reject all cookies. If you reject our cookies, certain of the functions and conveniences of the website may not work properly, but you do not have to accept our cookies in order to productively use the website. We do not link non-personal information from cookies to Personal Information and do not use cookies to collect or store Personal Health Information about you.

NCOA uses Google Analytics to generate demographics and interests data regarding users and their use of the website. Please see "How Google uses data when you use our partners' sites or apps", located at www.google.com/policies/privacy/partners/, or any other URL Google may provide from time to time.

Clickstream data

As you use the Internet, a trail of electronic information is left at each website you visit. This information, sometimes referred to as “clickstream data,” can be collected and stored by a website’s server. Clickstream data can tell us the type of computer and browsing software you use and the address of the website from which you linked to the website. We may use clickstream data as a form of non-personal information to anonymously determine how much time visitors spend on each page of the website, how visitors navigate throughout the website and how we may tailor our web pages in the future to better meet the needs of visitors. This information will only be used to improve our website. Any collection or use of clickstream data will be anonymous and aggregate.

Personal Information we collect about you

Certain features of the website collect Personal Information from you through several types of electronic transactions, including registering with the website, providing responses to questionnaires seeking information regarding your Medicare coverage, managing your member profile, participating in online registration and surveys and participating in advocacy alerts and social media.

How we use Personal Information

As described in this Privacy Policy, NCOA may use your Personal Information to provide information, education and resources to you concerning Medicare and related services through use of the website and links contained within it. We may use your Personal Information to contact you by text message through any contact information you provide, and with your consent provide your Personal Information to service providers for purposes of providing you information or services you may request. This may include sending you newsletters and other information such as updates on general health topics and information on chronic conditions, website updates and other account information. NCOA may also use your Personal Information (i) to protect our legal rights, including enforcing our Terms of Use; (ii) for record-keeping purposes; and (iii) to conduct our business operations, all as permitted by law.

Disclosure of your Personal Information

Except as set forth in this Privacy Policy or as specifically agreed to by you, NCOA will not disclose any Personal Information it gathers from you on the website, provided that NCOA may release Personal Information to third parties: (1) to comply with valid legal requirements such as a law, regulation, subpoena or court order; (2) to third parties in a de-identified manner to provide Medicare cost estimates or benchmarking and analysis to improve service offerings to older adults; or (3) with your consent. In addition, we may disclose Personal Information as described below.

Aggregate information

NCOA may combine, in a non-identifiable format, the Personal Information you provide with information from other users to create aggregate data that may be disclosed freely to third parties and used by NCOA for any lawful purpose. Aggregate data does not contain any personal identifiers that could be used to contact or identify you, such as name or email address.

NCOA may disclose this aggregate information to its advocacy and business partners and members of its aging network in order for these parties to conduct advocacy activities on behalf of older adults and to improve product and service offerings for older adults. NCOA and its advocacy partners may disclose non-personal, aggregate information to government officials and representatives in order to conduct advocacy activities on behalf of older adults.

Voluntary disclosures

Sharing Personal Information is entirely voluntary. You do not have to provide any Personal Information if you do not want to, however that might limit your ability to use certain functions of the website or to obtain certain information concerning your Medicare choices. This Privacy Policy does not apply to content, business information, ideas, concepts or inventions that you send to NCOA by email or by use of the website to access social media. If you want to keep content, business information, ideas, concepts or inventions private or proprietary, do not send them to NCOA.

Third-party service providers

NCOA operations and other third-party contractors sometimes have access to your Personal Information in the course of providing products or services to NCOA. These contractors include vendors and suppliers that provide us with technology, services (such as website development and hosting) and/or content related to operation and maintenance of the website. NCOA requires that our contractors (1) protect the privacy of Personal Information consistent with this Privacy Policy, and (2) do not use or disclose Personal Information for any purpose other than providing NCOA and you with products and services.

Linked sites

NCOA may share information among sites that it owns or controls, but such information will be protected under the terms of this Privacy Policy.

The website may contain links to other websites operated by parties other than NCOA (“Third-Party Websites”). With your consent, NCOA may share Personal Information with third parties via links to certain Third-Party Websites in order for you to explore certain benefits and product or service offerings. These Third-Party Websites have their own independent privacy and data collection practices. NCOA does not control and has no responsibility or liability for these third parties or their Third-Party Websites, their privacy policies, accuracy of content available on any Third-Party Website or their actions. NCOA does not endorse any Third-Party Websites.

What Personal Information is shared with a Medicare Agency/Broker?

Some functions of the website allow you to share your Personal Information with a Medicare insurance broker or agent who meets NCOA’s Standards of Excellence in order for you to obtain more information about Medicare coverage. With your consent (which you may provide electronically on the website), NCOA will share the following Personal Information with these third-parties: your name, email address, phone number, marital status, whether you use tobacco, whether you have a disability or chronic health condition, information about your prescription drugs, whether you are currently enrolled in Medicare Part A and Part B , and how often you have visited a health care provider or were admitted to the hospital. Based on this Personal Information, the broker or agent is better able to provide you information about available Medicare plan options that might meet your needs, and may also help you enroll in a Medicare plan(s), if you choose to do so.

What Personal Information does the Medicare Agency/Broker with NCOA?

As described above, you may elect on the website to share Personal Information with a Medicare broker or agent. If you do so, the Medicare broker or agent will also share Personal Information about your experience with them with NCOA, including whether you enrolled in a Medicare plan; if so, whether you enrolled in a Medicare Advantage or Medicare Supplement Plan; and whether it was one of the lowest cost plans that was displayed on the website. We also obtain certain information from the Medicare broker or agent about their communications with you, which may include whether, and in what form, the Medicare broker or agent communicated with you, and the reason for any failed attempts (i.e. connected, message left, bad contact information or no answer). We will use this information to refine and improve our website offerings and to assess the performance of our business partners. We may also share this information, either as Personal Informal or in an aggregate, de-identified form with the relevant brokerage firm or business partner.

How NCOA handles privacy and security

NCOA uses a variety of security measures designed to protect against loss, misuse and alteration of the information under our control. All NCOA products are built with strong security features that continuously protect your information. The website and database servers are hosted in a secured physical and network environment maintained by Amazon Web Services (AWS). Security and Compliance is a shared responsibility between AWS and NCOA.

Reasonable efforts are made to secure web servers, networks, host operating systems and databases against unauthorized access. We use a variety of security measures to protect Personal Information when stored or transmitted by NCOA. All traffic is encrypted in transit using Transport Layer Security 1.2 (TLS, formerly called Secure Sockets Layer [SSL]) with an industry-standard AES-256 cipher).

Any Personal Information stored by NCOA is fully encrypted at rest. Encryption at rest provides an additional layer of data protection by securing your data in an encrypted table—including its primary key, local and global secondary indexes, streams, global tables, and backups.

Despite NCOA’s efforts to protect your Personal Information, there is always a risk that an unauthorized third party may find a way around our security systems or that transmission of your information over the Internet will be intercepted. NCOA cannot ensure or warrant the security of any information you transmit over the Internet, and you do so at your own risk.

Please remember that no security measures are foolproof, and NCOA cannot guarantee that information will be protected in all situations. We will make reasonable efforts to protect your Personal Information from unauthorized access. And if we do detect something risky that we think you should know about; we’ll notify you.

We work hard to protect you and NCOA from unauthorized access, alteration, disclosure, or destruction of information we hold.

Terms of Service

This Privacy Policy co-exists with our Terms of Service displayed on the website, and together both policies govern your use of this website. By accessing, browsing or using the website you acknowledge that you have read, understand and agree to this Privacy Policy and our Terms of Service. We encourage you to familiarize yourself with both this Privacy Policy and our Terms of Service. The website Terms of Service may be found as a link on the page where this Privacy Policy is posted. If you do not agree with these terms (including any revisions to them), please do not use the website.

Changes to this Privacy Policy

We may change this Privacy Policy at any time by posting revisions to our website, so please review it frequently. Your use of this website means that you accept the terms of this Privacy Policy and your continued use after such changes are posted means that you accept the revised Privacy Policy.

Children

The website is not designed to attract or be used by children under the age of 13. NCOA does not knowingly collect Personal Information from anyone under the age of 13.

How to contact us

For more information about our privacy practices (including compliance with applicable law), or if you want to (1) delete your Personal Information from our systems, (2) update the Personal Information that you have provided to us, or (3) change your preferences with respect to marketing contacts or other activities, contact us by email at support@agewellplanner.org or write to us at: NCOA, 251 18th Street South, Suite 500 Arlington, VA 22202.

Definitions

“Encryption” means the translation of data into a secret code. Encryption is the most effective way to achieve data security. To read an encrypted file, you must have access to a secret key or password that enables you to decrypt it.

“Engagement Status” means that if indicated as closed, then the third party Medicare agency/broker is no longer in communication with the user. If indicated as open, the third party has an ongoing relationship with user.

“Firewall” means a system designed to prevent unauthorized access to or from a public or private network. Firewalls can be implemented in both hardware and software, or a combination of both. Firewalls are frequently used to prevent unauthorized Internet users from accessing private portions of public networks. All messages entering or leaving the network pass through the Firewall, which examines each message and blocks those that do not meet the specified security criteria.

“Personal Information” means information that is identifiable to a particular individual. Examples of Personal Information which may be collected include your name, date of birth, email address, income, medical conditions and prescription drugs. If other pieces of information are linked to Personal Information, they may also become Personal Information.

“Cookie” means a data file that is stored on the hard drive of the computer you use to view a website. Cookies are placed by that site or by a third party with a presence on the site and are accessible only by the party or site that placed the Cookie (i.e., a Cookie placed on your computer by NCOA isn’t accessed by any other site you visit, but a Cookie placed on your computer by an advertiser may be accessed by any site on which that same advertiser has a presence). Cookies can contain pieces of Personal Information. Cookies may be used to make the site easier to use. For example, if you check a box to ask that we store your user name on your computer so that you don’t have to enter it each time you visit the site, it’s stored in a Cookie on your computer.

Age Well Planner is an educational website created by nonprofit the National Council on Aging (NCOA). We provide information, resources, and referrals on topics such as: Benefits, Income, and Medicare.

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