Effective date: February, 2021
We collect information from you in several ways, including when you choose to share information with us by entering it through our Service, through our marketing and data partners, through your pharmaceutical purchases when using the Service, through pharmacy benefit managers and by using automated processes.
We may ask you and you may choose to provide certain personal information to us, such as your first and last name, date of birth, gender, insurance information (including details about your insurance policies), prescription information (including the name, price, prescribing physician, and location of the pharmacy where you fill such prescription, among other things), medical information, login credentials for insurer websites, insurance policy documents, financial information, employment information, financial account information, EFT/bank account numbers, mortgage loan numbers, government-issued identification numbers, credit card information, e-mail address, mailing and billing addresses, and telephone number. We may collect this information in various places, including when you set up an account with us and when you use our loyalty program.
We may automatically collect certain information when you visit or use our Service. This information may include your IP address (or other unique device identifier, including one that we may assign); certain details about your browser, operating system, and hardware; your location, if available; the URL that referred you to our Site; your activities on our Service, including your preferences; and other logging information, such as the date and time of your visit. We also use web server logs to collect and store information about Service usage. If applicable, when you use our App or visit our Site from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network. We may use a variety of tracking technologies to collect this information, including without limitation the following (and subsequent technologies and methods later developed):
We use third-party analytics services. These services may track details about your online activities over time and across different sites. These services help us to improve our Service and the products and services that we offer you. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities. If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.
|External Service||Type of Data||Purpose|
|Linking External Bank Account through third party||Identity : name, email, phone number, residential address||To verify credentials submitted by user in BFC signup flow|
|Asset : Transaction history by category, location, and merchant name||To verify that user meets spending requirements for a BFC membership|
|Balance: View the account balance in an external bank account||Before initiating an ACH transfer, we verify that the externally linked account has enough cash|
|Auth: External bank account number and ACH routing number||to initiate an ACH in user’s behalf and allow linking an external bank account|
|Payroll Switching Service||Connects to the users payroll provider and changes the ACH routing on file||To switch the user’s direct deposit to BFC’s bank account|
|Work and Income Verification - Wage & Employer History||To analyze user’s financial behavior for improving services rendered and other legitimate business interests|
|Claims or other Service processing||Photo of medical bills/photos/video recording by user in connection with an insurance claim||Transmit to insurer or billing entites for claim or payment purposes. use for internal purposes like building machine learning models to verify authenticity|
We may provide certain parts of our Service in association with third parties, such as promotional partners. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.
Our Service may allow you to use your account from other online services. If you use accounts from other services on our Service, those third parties may share information about you with us, and we may share information that we collect with them. Our Service may also include features from third parties that allow you to interact with other online services, including social media. For example, we may use third parties to allow you to send messages, tweets, or make postings on social media sites, like Facebook. If you use these features, then we may share information about you with those third parties, and they may collect additional information. You should review the privacy policies for such third parties to understand how they collect and use information.
Our Service may include links to third-party websites or other online services. We are not responsible for these other sites and services, and they may collect and use information about you. You should review the privacy policies for such third parties before using their sites or services to understand how they collect and use information.
Third parties may use tracking technologies in connection with our Service, which may include the collection of information about your online activities over time and across third-party websites. This Policy does not apply to these third-party technologies because we may not control them and we are not responsible for them. Do Not Track is a technology that enables users to opt out of tracking by websites they do not visit. Currently, we do not monitor or take any action with respect to Do Not Track technology.
Our Service may allow you to update the information that we collect from you, such as the contact information that you provide when you register for an account. You may also request that we update your information by sending an e-mail to us at [email protected] Our Service may also allow you to update your e-mail preferences. If you would prefer not to receive e-mail newsletters or other messages from us, you may use the “unsubscribe” features that are included in such messages or contact us at [email protected]
We use commercially reasonable and industry standard security technologies and safeguards to protect the information that we collect and use. We also expect our service providers to protect information in the same manner. No data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information, however, can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.
We may from time to time elect to share certain information about you collected by us on the Service with third parties for those third parties’ direct marketing purposes. California Civil Code Section 1798.83 permits California residents who have supplied personal information, as defined in the statute, to us to, under certain circumstances, to request and obtain certain information regarding our disclosure, if any, of personal information to third parties for their direct marketing purposes. If this applies, you may obtain the categories of personal information shared and the names and addresses of all third parties that received personal information for their direct marketing purposes during the immediately prior calendar year (e.g. requests made in 2020 will receive information about 2019 sharing activities) or to request to opt-out of such future sharing. To make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident and provide a current California address for our response. You may make this request in writing at:[email protected]
Our Service is intended for general audiences, and we do not knowingly seek or collect personal information from children under the age of 18. In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any personal information from or about a child, please contact us at [email protected]
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³ This is only a brief description of the coverage(s) available under policy series A30610NUFIC. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. National Union is a AIG company. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds
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