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
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
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.
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
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
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.
reflect changes in our practices. We will notify you of any material
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