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Privacy Policy

Effective as of August 19, 2020

Sidecar Health, Inc. and its affiliate Sidecar Health Insurance Solutions, LLC (collectively, “Sidecar,” “we,” “us,” or “our”) value your privacy. In this Privacy Policy (“Policy”), we describe how we collect, use, and disclose information that we get about visitors like you to our website, www.sidecarhealth.com (the “Site”), users of our mobile Application (the “App”) and the services available through our Site and App (collectively, the “Services”).

By visiting the Site, using or downloading the App, or using any of our Services, you agree that your personal information will be handled as described in this Policy. Your use of our Site, App, or Services, and any dispute over privacy, is subject to this Policy, our HIPAA Notice, and our Terms of Use. You also agree to any limitations on damages and the resolution of disputes. The Sidecar Terms of Use and HIPAA Notice are incorporated by reference into this Policy.

The Information We Collect About You

We collect information about you that you provide, and from third parties. We also automatically collect information about you when you use our Site, App, or Services.

Information We Collect Directly From You

The information that we collect from you depends on how you use our Services. To create an account with us, we collect your name, gender, birthdate, email address, and the password you create for your account.

If you would like to sign up for health insurance coverage, we will collect other information from you, in addition to the account information we mentioned above. This information can include, but is not limited to: your physical address, Social Security number, phone number, information about the family members to be included in your policy, and information about any health conditions, upcoming procedures, and tobacco usage for any individual or family member seeking coverage. If you purchase health insurance coverage, we will collect additional information, including but not limited to, your payment information (such as your payment method and billing address) which we will link to your policy.

When you submit your claims, we collect images of your receipts from your physician, pharmacy, or other covered health care provider. These receipts include information about the treatment, services, and products you or a member of your family received.

Information that We Collect About You from Social Networking Sites.

You can choose to log into our Services through your Facebook account. If you log into our Services using Facebook, you must enter your Facebook account login information. We will ask that you grant us permission to: access and collect your Facebook basic information (this includes your name, profile picture, gender, networks, user IDs, list of friends, date of birth, email address, phone number, and any other information you have set to public on your Facebook account). If you allow us to have access to your Facebook profile information, then we will have access to this information even if you have chosen not to make that information public via Facebook.

We store the information that we receive from Facebook with other information that we collect from you (like when you created an account) or receive about you (from third-parties). Any third-party social networking site controls the information it collects from you. For information about how social networks may use and disclose your information, including any information you make public, please look at their respective privacy policies. We have no control over how any third-party site uses or discloses the personal information it collects about you.

Information We Collect Automatically

We automatically collect information about your use of our Site and App through cookies, web beacons, and other technologies, including technologies designed for mobile apps. We combine this information with other information we collect about you, including your personal information. Please see the section “Cookies and Other Tracking Mechanisms” below for more information.

Site:

  • Domain name;
  • Your browser type and operating system;
  • Web pages you view; links you click; your IP address;
  • The length of time you visit our Site and or use our Services;
  • The referring URL, or the webpage that led you to our Site;
  • Date of visit;
  • Referring search keywords;
  • Browser dimensions;
  • Device type, model and version; and
  • Location (with your permission)

App:

  • Mobile device ID; device name and model; operating system type, name, and version;
  • Language information;
  • Activities within the App; and the length of time that you are logged into our App;
  • Location information. With your permission, we will collect location information from your mobile device to show you policy options available in your area and to show you health care providers and pharmacies near your location;
  • Photos and files (with your permission);
  • Camera (with your permission); and
  • Browser links in any app that sends you to a sidecarhealth.com URL. We will offer you a redirection to our app instead

How We Use Your Information

We use your information, including your personal information, for the following purposes:

  • To provide our Services to you, to communicate with you about your use of our Services, to respond to your inquiries, and for other customer service purposes.
  • To enable you to apply for a health insurance policy.
  • To provide you with a Sidecar Health payment card to use when you pay for covered health care procedures, services and products.
  • To provide services to our partner insurance carrier that writes the policy, such as issuing and administering the policies and handling claims.
  • For underwriting the health insurance products.
  • To process your claims; for example, to request that your provider send additional information about your diagnosis and treatment.
  • To facilitate payments to health care providers and pharmacies.
  • To tailor the content and information that we may send or display to you, to offer location customization, and personalized help and instructions, and to otherwise personalize your experiences while using the Site, App, or our Services. For example, we may display to you the different insurance policies available to you, or we may display available health care providers and/or pharmacies in your geographic area.
  • To better understand how users access and use our Site, App, and Services, both on combined group and individualized basis, in order to improve our Site, App, and Services and respond to user desires and preferences.
  • To comply with legal obligations as part of our general business operations, and for other business administration purposes.
  • To group and de-identify your information.
  • Where we believe necessary to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person or violations of our Terms of Use or this Privacy Policy.
  • To send promotional communications which are relevant and tailored to you.
  • Other purposes with your consent or authorization.

How We Share Your Information

We may share your information, including personal information, as follows:

  • Partner Carrier

    We may share the information we collect from you to our partner insurance carrier that writes the health insurance policy.
  • Service Providers

    We may share the information we collect from you with our affiliates, third party vendors, service providers, contractors or agents who perform functions on our behalf.
  • Payment Processors

    In providing our health insurance services, you will receive a Sidecar Health payment card to use when paying for covered health care procedures, services, and products. We will share your information with our payment processor, including your name and address to enable you to use this payment card and to help us process claims. This includes printing and shipping a payment card to you, and other information needed to process the payment of your claims.
  • Telemedicine Providers

    If you choose to use one of our telemedicine providers, we will share your information, including your personal information and health conditions, with the telemedicine provider.

We also share information in the following circumstances:

  • Business Transfers

    Subject to applicable law, if we are or may be acquired by, merged with, or invested in by another company, if any of our assets are transferred to another company, or as part of a bankruptcy proceeding, we may transfer the information we have collected from you to the other company.
  • In Response to Legal Process

    We also may share the information we collect from you in order to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.
  • To Protect Us and Others

    We also may share the information we collect from you where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms of Use or this Policy, or as evidence in litigation in which Sidecar Health is involved.
  • De-Identified Information

    We may share de-identified information about users with third parties for marketing, advertising, research or similar purposes.
  • As You Allow

    We may share information collected from you or on your behalf with your consent or authorization.

Our Use of Cookies and Other Tracking Mechanisms

We and our third-party service providers may use cookies and other methods of tracking to get information about your use of our Site, App, or Services. We may combine this information with other personal information we collect from you (and our third-party service providers may do so on our behalf).

Cookies

Cookies are alphanumeric codes that we transfer to your device’s hard drive through your web browser or through the App for record-keeping purposes. Some cookies allow us to make it easier for you to navigate our Services, while others are used to enable a faster log-in process or to allow us to track your activities at our Site or while you're using our Services. There are two types of cookies: session and persistent cookies.

  • Session Cookies

    Session cookies exist only during an online session. They disappear from your device when you close your browser or App or turn off your device. We may use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the Services. This allows us to process your online transactions and requests and verifies your identity after you have logged in as you move through our Site and Services.
  • Persistent Cookies

    Persistent cookies remain on your device after you have closed your browser, the App, or turned off your device. We may use persistent cookies to track non-identifying and statistical information about user activity, and to display advertising on third-party sites.

Disabling Cookies

Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our Site who disable cookies will be able to browse certain areas of the Site, but some features may not work unless cookies are enabled.

Cached Information

The Site and App automatically store small bits of information to the local data storage on your browser and mobile device about your use of the Site and App and your preferences (“Cached Information”). We use Cached Information to enhance your experience on our Site and App. If you log out of the site, Cached Information stored on the browser will be deleted. If you delete the App from your device, Cached Information stored on the device will also be deleted.

Clear GIFs, pixel tags and other technologies

Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your device’s hard drive, clear GIFs are embedded invisibly on web and App pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with our Site and App to, among other things, track the activities of Site visitors and App users, help us manage content, and gather statistics about Site and App usage. We and our third-party service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

Third Party Analytics

We use automated devices and applications, such as Google Analytics, to evaluate how our Site and App are used. We also may use other methods to evaluate our Site and Apps. We use these tools to help us improve our Site’s and App’s performance and user experiences. These devices and applications may use cookies and other tracking technologies, such as web beacons or local storage objects (LSOs), to perform their services. To learn more about Google’s privacy practices, please review the Google Privacy Policy at https://www.google.com/policies/privacy/. You can also download the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics at https://tools.google.com/dlpage/gaoptout.

Third-Party Data Collection

We may use third-party data collectors to record and store information about how our Site and App are used. These third-party service providers use tracking technologies to analyze a visitor’s real-time interactions with our Site and App, including for example, clicks, mouse movements, and data inputs. They then store such information on our behalf. We may provide these third-party data collectors with information, including personal information, about you.

Biometric Authentication

You may choose to enable biometric authentication (using fingerprint, Touch ID, or Face ID) to sign in to our website or app. To do this, you are required to save your Sidecar Health account ID on your mobile device. We do not control the functionality of fingerprint, Touch ID or Face ID and we do not have access to your fingerprints or facial recognition information. You understand and agree that any fingerprint stored on your mobile device can be used to access your account at Sidecar Health. For more information on how biometric functionality works for your device, please refer to your device manufacturer’s support resources. There may be circumstances where biometric authentication will not function as expected and you will be required to sign in to your Sidecar Health account using your passcode.

Do-Not-Track

Currently, our systems do not recognize browser “do-not-track” requests. You may, however, disable certain tracking as discussed in this section (e.g., by disabling cookies); you also may opt-out of targeted advertising by following the instructions in the How to Opt-Out of Third-Party Ad Networks section.

Third-Party Ad Networks

We use third parties such as network advertisers to serve advertisements on third-party websites, apps, or other media (e.g., social networking platforms). This enables us and these third parties to target advertisements to you for products and services in which you might be interested. Third-party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalize advertising content to you. These third-party cookies and other technologies are governed by each third-party’s specific privacy policy, not this one. We may provide these third-party advertisers with information, including personal information, about you.

We use Criteo to collect data that is used for retargeting. You can read more about how Criteo uses your personal information here:

https://www.criteo.com/privacy/

How to Opt-Out of Third-Party Ad Networks

Users in the United States may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.

Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our Site or on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt-out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.

User Generated Content

We invite you to post content on our Services, including your comments and healthcare provider reviews that you would like to be available on our Services. If you post content to our Services, all of the information that you post will be available to all registered users on our Services. If you post your own content on our Services, your posting may become public and Sidecar Health cannot prevent such information from being used in a manner that may violate this Policy, the law, or your personal privacy.

Third-Party Links

Our Services may contain links to third-party websites. Any access to and use of such linked websites is not governed by this Policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.

Security of Your Personal Information

We have implemented reasonable precautions to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our efforts, no data security measures can guarantee security.

You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a unique password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords, or for any activity on your account that is a result of unauthorized password activity.

Access To Your Personal Information

You may modify personal information that you have submitted by either logging into your account at sidecarhealth.com or using the Sidecar Health app and updating your profile information or by contacting our Member Care department at the toll-free number, 1-877-653-6440. Please note that copies of information that you have updated, modified or deleted may remain viewable in cached and archived pages of the Services for a period of time.

We may also modify your personal information on your behalf if you have requested us to do so. An example of this situation might happen if you phone our Member Care team and ask a representative to update your personal address or telephone number.

What Choices Do You Have Regarding Informational Emails?

We may send periodic emails to you to provide you with health information that may be of interest to you. You may opt-out of such promotional emails by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving emails about recommendations or other information we think may interest you, we may still send you emails about your account or any services you have requested or received from us.

Children Under 18

Our Services are not designed to be used by children under 18. If we discover that a child under 18 has provided us with personal information, we will delete such information from our systems.

How Long Your Data Is Kept

Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes. Different retention periods apply for different types of data. Personal information will be retained:

  • to the extent that we are required to do so by law;
  • if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
  • in order to establish, exercise, or defend our legal rights (including providing information to others for the purposes of fraud prevention and risk reduction).

Contact Us

If you have questions about the privacy aspects of our Services or would like to make a complaint, please contact our Legal Affairs department at legal@sidecarhealth.com or please call 424-286-2971.

Changes to this Policy

This Policy is current as of the Effective Date listed above. We may change this Policy from time to time, so please be sure to check back periodically. We will post any changes to this Policy on our Site and App. If we make any substantial changes to this Policy regarding how we use the personal information we have previously collected from you, we will do our best to provide you with advance notice of such changes by highlighting the changes on our Site and App.

Start personalizing your health coverage now

Give us a call at 877-653-6440

Mon-Fri: 7am-10pm CT
Sat/Sun: 9am-5pm CT


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