Privacy Policy

Protecting your privacy is important to IHC Specialty Benefits. We want you to understand what information we collect and how we use it. In order to provide our services as conveniently as possible, we use technology to manage, maintain and secure customer information. 

Please read on for details about our practices for handling and securing personal information we may collect.

What Information We Collect

"Personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.. We gather this information either because we are required to report it to the federal government or need this information to properly maintain your account with us. We may collect "personal information" about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from third parties. Examples are other financial institutions, membership associations (such as Communicating for Agriculture and the Self-Employed, Inc.) and consumer reporting agencies.

What Information We Disclose

We do not disclose any personal information about our customers or former customers to anyone, except as permitted or required by law. Nevertheless, when we believe an unrelated company offers products or services that would be of interest to you, we may communicate with you about them. These companies will not learn about your relationship with us unless you respond to their offer.

To Whom We Disclose Information

  • Where administratively necessary to provide products and services we may share your information with unrelated companies who provide services through contractual agreements; however, these service providers will not be allowed to market products to you and shall be required to protect your information as if the services were performed by our own employees;
  • Related companies that perform administrative, marketing or other functions on our behalf. Related companies include companies related to us by commons ownership, membership associations (such as Communicating for Agriculture and the Self-Employed, Inc.) and your HSA custodian;
  • Nonaffiliated third parties as permitted or required by law.

Our Security Procedures

We take steps to safeguard customer information. We restrict access to your personal information to those employees who need to know that information to provide products or services to you and other listed above under the heading To Whom We Disclose Information. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. 

Keeping your information accurate and up to date is very important to us. You have the right of access and correction with respect to the information collected except information which relates to a claim or civil or criminal proceeding. 

We reserve the right to modify or supplement this Privacy Policy statement anytime. This privacy policy is applicable to IHC Specialty Benefits.

What else should I know about my privacy when online?

This site may contain links to third party Web sites. IHC Specialty Benefits is not responsible for the privacy practices or the content of such third party Web sites. IHC Specialty Benefits does not share any of the individual personal information you provide IHC Specialty Benefits with the third parties to which IHC Specialty Benefits links, except as stated elsewhere within this Privacy Policy. Please check with those Web sites to determine their privacy policy. 

Please keep in mind that whenever you voluntarily disclose personal information online outside of our secure member website - for example through e-mail, discussion lists, or elsewhere - that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return. 

Ultimately, you are solely responsible for maintaining the secrecy of your personal information. Please be careful and responsible whenever you're online.

Your Consent to this Agreement

By using this site, you consent to the collection and use of information by IHC Specialty Benefits as specified above. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. 

Last updated 05/29/08.