WEBSITE PRIVACY POLICY

Blue Healthcare Bank (“we” or “us”), an independent licensee of the Blue Cross and Blue Shield Association, administers and maintains personal savings accounts (otherwise known as “health savings accounts,” “flexible spending accounts,” or “health reimbursement arrangements”).  This website Privacy Policy illustrates our commitment to your privacy and explains our privacy practices so you can make an informed decision about information we collect or you choose to provide to us and our use of that information. Please read this Privacy Policy carefully to understand how we collect, share, and protect information.

This Privacy Policy is incorporated into and is a part of the Terms of Use of the Blue Healthcare Bank website (www.bluehealthcarebank.com, or any replacement website, the “Site”).  By accessing and using the Site, you agree that you have read and understand this Privacy Policy and that you accept and consent to the privacy practices (and any uses and disclosures of information about you) that are described in this Privacy Policy.

Types of Information We Collect
Any non-public personal information about you, your Blue Healthcare Bank account, or your relationship with us that we collect is subject to our Banking Privacy Notice.  For users who have an account with us, we urge you to review our Banking Privacy Notice in addition to reviewing this Privacy Policy and our Terms of Use.

To help provide you with the very best service and the highest quality products, we may collect certain identifying information about you in connection with your use of or submissions to the Site, including, but not limited to: demographic information (such as your name, address, social security number, and date of birth), credit information (such as information related to your accounts with us, including balances and account usage), and transactional information (such as your account balance, payment history, or parties to any transaction). Such information may come directly from you; for instance, information may come from your application and transactions on your account or it may come from an outside source, such as your credit bureau report or other companies.  Gathering this information helps us to identify our customers and manage our customer relationships. It also assists us in the development of products and services to meet the continuing needs of our customers, to analyze and improve the content, features, materials, and opportunities that we may make available on the Site to notify you of changes made to the Site or new opportunities made available on or through the Site, to customize the Site content, to send you promotional materials that you request from us, and for other legitimate and lawful business purposes. If you contact us for support or assistance, we may use information about you or your computer that you provide for purposes such as verifying whether your computer meets the minimum requirements needed to use the Site and our various services.

As with many other websites, the Web servers used to operate the Site may collect certain data pertaining to you and the equipment and communications method that you use to access the Internet and the Site. For security reasons and to confirm the integrity of our data, we may combine components of this data with other sources of information that may identify you. Unless otherwise described in this Privacy Policy or our Terms of Use, such identifying information will be used solely for our internal business purposes. In addition, the information we collect may reveal such things as the Internet Protocol address assigned to your computer, specific pages that you accessed on the Site or immediately prior to visiting the Site, and the length of time you spend at the Site. The purposes for which this information is collected and used include facilitating Site operation and system administration, generating aggregate, non-identifiable statistical information, monitoring and analyzing Site traffic and usage patterns, and improving the Site’s content and content delivery, including any online media, materials, opportunities, and services that we describe or make available on the Site.

A Special Note About Children
Children are not eligible to use our services and we ask that minors (under the age of 18) do not submit any personal information to us or use the service.

Our Use of “Cookies”
“Cookies” are small files of data that reside on your computer and allow us to recognize you as a Blue Healthcare Bank customer if you return to the Blue Healthcare Bank site using the same computer and browser. We send a “session cookie” to your computer if and when you log in to your Blue Healthcare Bank account. These cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don’t need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don’t have to retype the e-mail address each time you log in to your Blue Healthcare Bank account. In addition, if you register with us for a service (such as our online banking services), some cookies may store personally identifiable information that you provide about yourself. Our cookie files are encoded so that any information stored in them may only be interpreted by Blue Healthcare Bank.

Web browsers and other software allow you to erase cookies from your computer hard drive, block or reject all cookies, or receive a warning before a cookie is stored. If you choose to reject cookies, the Site may not operate efficiently for you.

The Accounts and Services You Use are Provided in a Secure Environment
Since some of the information we gather is not publicly available, we use commercially reasonable methods to keep it safe from unauthorized access. Because Blue Healthcare Bank respects your privacy and values your trust, the only employees who can access non-public personal information about you are those who use it to service your account or provide services to you. In addition, third parties may be given access to your non-public personal information under certain circumstances. For example, a third party that provides specialized services on our behalf may access only the information necessary to perform those services. Or, when you authorize us to provide your non-public personal information to others, we limit access to the information and purpose you have authorized.

Blue Healthcare Bank maintains physical, electronic, and procedural safeguards that comply with applicable federal standards to help guard non-public personal information and to assist us in preventing unauthorized access to that information.

Nevertheless, no set of security safeguards is guaranteed to be impenetrable, and we cannot and do not guarantee that any communications conducted using the Site is or will be totally secure. If you become aware of any breach of Site security, this Privacy Policy, or the Terms of Use, you agree to notify us immediately. When we use other companies to provide services to us, we require them to protect the confidentiality of any personal information they receive or collect and to use such information for limited purposes.

How We Share Information
We may decide from time to time to utilize a number of trusted business and marketing partners in delivering the content available on or through this Site to you. To the extent necessary for purposes of communicating with you or fulfilling your requests for our products or services, or your subscriptions to such content, we may share information about you with these business and marketing partners.

We may disclose information about you if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose such information. Blue Healthcare Bank may also disclose information about you as necessary to establish or exercise our legal rights, to enforce the Terms of Use, to assert and defend against legal claims, and to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.

You Have Options
When corresponding with Blue Healthcare Bank or our representatives or when making a request for information or otherwise interacting with Blue Healthcare Bank through the Site, you choose what information to supply, what questions to pose and comments to make, whether you wish to receive further information, and the method of communication such information should be delivered. Please take care to share only such information as is needed or that you believe is appropriate.

Business Transfers
As we continue to develop our business, we might sell or buy subsidiaries or business units, or merge, combine with, or be acquired by another company. In such transactions, customer information generally is one of the transferred business assets, but it remains subject to the promises made in any pre-existing Privacy Policy (unless the customer consents). Also, in the unlikely event that Blue Healthcare Bank or substantially all of its assets are acquired, customer information will be one of the transferred assets.

Changes to the Privacy Policy
From time to time, we may change our privacy practices, this Privacy Policy, or the Banking Privacy Notice because of changes in relevant and applicable legal or regulatory requirements, our business practices, or in our attempts to better serve your needs and those of our other customers. When we do so, a revised Privacy Policy or Banking Privacy Notice, as applicable, will be posted on the Site. Blue Healthcare Bank will provide notice of changes to our privacy policies to the extent we are required to do so by law.

Linked Sites
For your convenience, some hyperlinks may be posted on the Site that link to websites not under our control. We are not responsible for, and this Privacy Policy does not apply to, the privacy practices of those sites or of any companies that we do not own or control. We encourage you to seek out and read the privacy policy of each website that you visit. In addition, should you happen to initiate a transaction on a website that our Site links to, even if you reached that site through our Site, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked site. You should read that website’s privacy policies to understand how personal information that is collected about you is used and protected.

Questions
If you have any questions regarding this Privacy Policy, please contact Blue Healthcare Bank at info@bluehealthcarebank.com.

Acknowledgement
BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND CONSENT TO OUR PRIVACY PRACTICES AND TO THE USES AND DISCLOSURES OF INFORMATION THAT WE COLLECT ABOUT YOU AND YOU AGREE TO BE BOUND BY THE TERMS OF USE APPLICABLE TO YOU.