Terms and Conditions

This website is operated by CLIFF Consulting Group Inc. and is not the Health Insurance Marketplace website. In offering this website, CLIFF Consulting Group Inc. is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

Limitation of liability

We exercise reasonable efforts to safeguard the security and confidentiality of your Personal Information and Insurance Information; however, transmissions protected by industry standard technology and administered by humans cannot be guaranteed to be secure. We will not be liable for unauthorized disclosure of Personal Information that occurs through no fault of myCLIFF.org including, but not limited to, errors in transmission, uses of your data by a third party, your failure to comply with your security obligations, and the unauthorized acts of myCLIFF.org’s employees.

Links to other websites

This Privacy Policy addresses only the use and disclosure of information that we collect from you through the Site, through our interaction with you or from interaction with our Business Partners. Our Site may contain links to other websites. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data, or solicit Personal Information from you. They follow their own rules regarding the use or disclosure of the Personal Information you submit to them. We recommend that you to read the privacy policies or statements of these other websites.

Our policy towards children and minors

The Site is not directed to persons under 18. If a parent or guardian becomes aware that his or her child has provided us with Personal Information or Insurance Information without their consent, he or she should contact us as indicated in the ‘How to contact us’ section. If we become aware that a child under 13 has provided us with Personal Information, we will remove such information from our files.

Disputes

If you have any concerns or claims with respect to our Privacy Policy, please contact us as indicated in the ‘How to contact us’ section. We will investigate and attempt to resolve any complaints and disputes regarding our use and disclosure of Personal Information or Insurance Information.

If the complaint or dispute cannot be resolved through our internal process, or myCLIFF.org does not adequately respond to your question, please contact the San Francisco office of the American Arbitration Association, which will serve as a liaison with myCLIFF.org to resolve your concerns.

If arbitration is necessary, it will be conducted by telephone and email, and if it must be done in person, it will be conducted in San Francisco, California. The arbitration will be conducted by one arbitrator member of the American Arbitration Association, and under the rules of commercial arbitration of the American Arbitration Association. Both parties will bear equally the cost of arbitration (exclusive of legal fees and expenses). All decisions of the arbitrator will be final and binding on both parties and enforceable in any court of competent jurisdiction.

Updates

This Privacy Policy may be updated from time to time in order to reflect changes in our practices. We will notify you of any material changes by posting the new Privacy Policy on the Site, and will obtain the necessary consents as may be required under applicable law if we seek to collect, use or disclose personal data for purposes other than those for which consent has been obtained.

Except as stated above, all changes will apply to the Personal Information that are already collected, and to Personal Information that are collected after the effective date of the revised Notice. If any proposed change is unacceptable to you, you will have the right to ask for the deletion of your Personal Information. You are advised to consult this Privacy Policy regularly for any changes.