While this website is accessed over the public Internet, your connection to the site is encrypted and secure. We also employ a wide range of measures for the security of data entrusted to us by customers.
While our security measures are extensive, you should always make sure that you are accessing the website via a secure connection and that you never transmit files you download from the website over an unsecured connection.
HTTPS (the Hyper Text Transfer Protocol over SSL) is the method your web browser uses to connect to the website. SSL delivers server authentication and data integrity using a digital certificate issued by a trusted certificate authority. The digital certificate is used to verify the connection between the server's public key and the server's identity. This means that when you connect with the website, you are assured that the server is not sponsored by an imposter.
Communication via HTTPS is secured using an advanced encryption algorithm which prevents tampering and eavesdropping. Depending on what web browser you use, you may be able to request a Security Report that describes how secure the connection is.
You can tell whether a document comes from a secure server by looking at the location (URL) field. If the URL begins with https:// (instead of http://), the document comes from a secure server. Your web browser will notify you if there is a problem with the website certificate. If your browser notifies you that there is a problem with the website certificate, you should not log onto the site because your connection to the site will not be secure.
The servers that host the website reside in separate data centers in the United States. To reduce the risk of both data centers being impacted by the same catastrophic event, the data centers are located hundreds of miles apart, are connected to different network providers, and are powered by separate power grids. Service at one data center can be transferred in minutes to the other data center, if required.
Both the data centers provide extensive security measures to protect access to the servers, including:
The facilities also provide extensive on-site support to ensure the continuous operation and high availability.
Some information sent you by the website may be delivered by a Content Delivery Network ("CDN"). The CDN is used to distribute some web page assets, such as images, videos, style sheets, and script libraries via local servers co-located with various Internet providers. By keeping local copies of these assets, the CDN can deliver them to your web browser directly, thereby reducing Internet traffic. For security reasons, your personal information is never sent over the CDN.
In addition to data replication between the primary and secondary data centers, customer information is protected by frequent backups. At each facility, we have deployed dedicated archive servers that store backups for all customer databases. These backups are automatically copied from one data center to the other continuously. Backups are tested frequently to ensure that the backup files are valid.
For each client database, we retain:
All backups are compressed and encrypted using a symmetrical encryption algorithm known as the Advanced Encryption Standard ("AES"), which is widely considered to be among the most secure types of encryption and adopted by both U.S. and Canadian governments.
We have implemented extensive technical safeguards to assure network and host security and to manage server vulnerability.
We perform vulnerability scans every month to validate the security measures.
System security also depends heavily on managing the software development life cycle (SDLC) effectively. Each phase of the SDLC includes certain security tasks to make sure that security is an integral part the process. The SDLC requires that:
We utilize an independent third-party auditor accredited by the American Institute of Certified Public Accountants (AICPA) to conduct annual Service Organization Control 2 (SOC 2, Type 2) examinations of our security practices and business process controls. We also insist that the data centers hosting the websites undergo similar accreditation. The SOC 2, Type 2 examination is widely recognized, and assures our ability to handle data securely though the evaluation and testing of internal processes, procedures, and controls.
For more information about how your information is protected on this website, see the Security Information.
By necessity, the site keeps track of personal information required for benefit enrollment. This personal information may include:
Certain other information may be collected automatically during your use of the website. This general information includes:
Personal information and automatically collected information is kept strictly confidential by the Sponsor and is used for internal purposes only, including, without limitation, providing you with requested services, improving our marketing and promotional efforts, statistically analyzing web site usage, improving our content and web site offerings, and to customize our web sites' content and layout. Except as disclosed in this Privacy Notice, the Sponsor will not sell, lend, rent, or otherwise disclose any personal information to any third parties. However, your personal information may be shared with affiliates, agents, or contractors of the Sponsor in the course of providing the services.
In the course of using this website, you may share information that qualifies as Protected Health Information ("PHI") under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). Please refer to the HIPAA Notice for information about PHI may be used and disclosed.
Your User ID and Password (or Personal Identification Number) provide access to the site and are associated with your user profile. Your user profile may contain preferences, such as language, email format, and interests.
The website may contain links to other internet web sites. We encourage all of our partners, contributors, and third parties to implement policies and practices that respect the privacy of our users. However, the Sponsor is not responsible for the privacy practices or the content of such web sites. To the extent that you disclose your information to other parties, even if they are linked from this website, different rules may apply to the use or disclosure of personal information you disclose to them. Because the Sponsor does not control the privacy policies of third parties, you are subject to the privacy customs and policies of that third party.
The Sponsor may provide its users with chat rooms, forums, message boards, and/or news groups. Please remember that any information disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.
In the course of business, the Sponsor, or substantially all of its assets may be acquired. In such a transaction, customer information will of course be one of the transferred business assets.
This website provides access to enroll in benefits provided by your employer or group. By necessity, the
"Agreement") consists of two important parts:
Please review the Agreement carefully before you use the website.
The website is licensed by Selerix Systems, Inc. to Combined Insurance Company of America, a Delaware
corporation (herein referred to as the "Sponsor"). By using this website, associated software,
services, media, printed material, electronic documentation, and related materials (the
"Product"), you are accepting the terms of this Agreement. If you are not willing to be
bound by the terms of this Agreement, you may not access or otherwise use the Product. Your continued
use of the Product indicates your acknowledgement that you have read, understand and accept the terms
and conditions in this Agreement. This Agreement represents the entire agreement concerning the Product
between you and the Sponsor, and it supersedes any prior proposal, representation, or understanding
between the parties.
technological, physical, and organizational safeguards, as described in the Security
This is an electronic enrollment for personal insurance coverage using electronic records, transactions, and
signatures. By completing this electronic enrollment process, you understand and are consenting to be bound
by the terms and conditions of the insurance policies for which you are enrolling and are adopting this
electronic enrollment process with the intent that completing such process will serve as your electronic
By presenting your user ID and password (or Personal Identification Number) you agree to conduct this
transaction by electronic means and understand that this transaction will be submitted electronically. Your
electronic signature will be as legally binding and enforceable as if you had signed on paper.
Following the enrollment, the companies that administer your coverage may deliver your insurance policies or
certificates to you by mail, electronic mail, or through the Internet. The company may or may not offer
access to certain electronic records of your enrollment through the Internet.
By using the Product in relation to an application for insurance, you agree with the following Terms and
Conditions (the "Terms") without limitation or qualification. Please read these Terms carefully
before using the Product. If you do not agree with these Terms, you are not granted permission to use this
Web site and must exit this Web site immediately. The Sponsor may revise these Terms at any time by
updating this posting. You are bound by any such revisions and should therefore periodically visit this
page to review the current Terms governing the Product.
To the fullest extent permissible, the Product is provided "as is" and without warranties of any
either expressed or implied. The Sponsor, its officers, directors, employees, and agents (collectively
"Representatives") and suppliers disclaim all warranties, including, but not limited to, implied
warranties of merchantability and fitness for a particular purpose.
Neither the Sponsor, its Representatives, nor suppliers warrant that the Product will be uninterrupted or
error-free, that defects will be corrected, that the Product is free of defects, or that they will bear the
cost, in whole or in part, for correcting any defects.
This Product may be linked to websites that are not maintained by the Sponsor. Neither the Sponsor nor its
representatives or suppliers, are responsible for the contents of other such websites. The inclusion of any
link to such websites does not imply approval of or endorsement by the Sponsor, its Representatives, or
While the Company and its Representatives or suppliers use reasonable efforts to include accurate and
up-to-date information in the Product, errors or omissions may occur. Under no circumstances shall the
Sponsor, or its Representatives or suppliers, be liable to you for any direct, incidental, consequential,
indirect, or punitive damages that result from the use of, or the inability to use, the Product, even if
advised of the possibility of such damages.
Unless otherwise noted, all trademarks, service marks, trade names, logos, icons, and images are proprietary
to the Sponsor, its Representatives, or suppliers. Nothing contained in the Product should be construed as
granting any license or right to use any of the foregoing without the written permission of the Sponsor,
its Representatives, or suppliers, as applicable. Your use of any of the foregoing, except as provided
herein, is strictly prohibited and may violate copyright laws, trademark laws, the laws of privacy and
publicity, and communications regulations and statutes.
You acknowledge that any software which may be available or provided to you in the Product may contain
technology that is subject to strict controls pursuant to export control laws and regulations of the United
States of America and other countries and jurisdictions. You hereby agree that you will not transfer or
export such software in violation of such applicable export laws and regulations. Neither the Sponsor, its
Representatives, nor suppliers authorize the downloading or export of any software or technical data from
the Product to any jurisdiction prohibited by such export controls laws and regulations.
This Agreement shall be construed and governed in accordance with the laws of the State of Texas without
reference to its conflict of law rules. The application of the United Nations Convention on Contracts for
the International Sale of Goods is expressly excluded.
Should any term of this Agreement be declared void or unenforceable by any court of competent jurisdiction,
such declaration shall have no effect on the remaining terms hereof.
Should you have any questions concerning this Agreement, you may contact the Sponsor at:
2851 Craig Drive, Suite 300
McKinney, Texas 75070
The use of electronic facilities or agents shall be in accordance with procedures established by the Sponsor
and governed by the applicable provisions of the Uniform Electronic Transactions Act as adopted in the
In the course of using this website, you may share information that qualifies as Protected Health Information (“PHI”) under the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). PHI is information created or received by us during your use of the site which identifies you, or for which there is a reasonable basis to believe the information can be used to identify you, and that relates to:
HIPAA, and other related federal and state legislation, defines a set of rules governing how companies maintain the privacy of customers’ PHI. HIPAA also requires that we provide customers with notice of our legal duties and privacy practices with respect to your PHI. This HIPAA Notice describes how we may use and disclose PHI to perform enrollment, claims handling, payment, general insurance operations, and for other purposes that are permitted or required by law.
Except as described in the next section of this Notice, we will not use or disclose your PHI for any purpose unless you have signed a form authorizing the use or disclosure. You have the right to revoke that authorization in writing at any time. However, any action already taken by the Plan or others in reliance on the authorization cannot be changed.
For Payment. We may make use of and disclose your PHI without your written authorization as may be necessary for payment purposes. For example, we may use information regarding your medical procedures and treatment to process and pay claims or certify these services are covered under your Plan.
For Administrative Operations. We may make use of and disclose your PHI without your written authorization as necessary for our administrative operations. Administrative operations include our usual business activities, examples of which are management, licensing, peer review, quality improvement and assurance, enrollment, underwriting, reinsurance, compliance, auditing, rating, claims handling, complaint handling and other functions related to your benefits.
To Individuals Involved in Your Care. We may, without your written authorization, for the purposes of treatment, payment, or administrative operations, disclose the fact that you are covered under a plan or that payment has been processed to a family member, other relative, your close personal friend, or any other person you may identify. In these circumstances, we would not disclose any PHI which is not directly relevant to that person’s involvement with your care or with payment for your care.
If you have designated a person to receive information regarding payment of the premium or pay premium via credit card, we may inform that person or credit card facility when your premium has not been paid or received.
We may also disclose limited PHI to a public or private entity that is authorized to assist in disaster relief efforts in order for that entity to locate a family member or other persons that may be involved in some aspect of caring for you.
To Business Associates. Certain aspects and components of our services are performed through contracts with outside persons or organizations. Examples of these may include, but are not limited to insurance agents, financial auditors, reinsurers, legal services, enrollment and billing services, claim payment, and medical management services. We may provide access to your PHI without your written authorization to one or more of these outside persons or organizations who assist with payment or administrative operations. The Sponsor requires these business associates to safeguard the privacy of your information appropriately.
For Other Products and Services. The Sponsor may contact you without your written authorization to provide information regarding upgrades or additional benefits that may be of interest to you. For example, we may use the fact that you currently are insured under a plan for the purpose of communicating to you about changes to the plan or products that could enhance or add value to existing coverage.
For Other Uses and Disclosures. We are permitted or required by law to make some other uses and disclosures of your PHI without your authorization:
Unless otherwise excluded in this Notice, we will not disclose your PHI to any person or entity not specifically mentioned elsewhere in this Notice without your express written authorization.
Right to an Accounting of the Disclosures of Your PHI. Upon request, you may obtain an accounting of certain disclosures of your PHI made by us, excluding disclosures made earlier than six years before the date of your request. If you request an accounting more than once during any 12-month period, we will charge you a reasonable fee for the subsequent accounting statements.
Right to Request Confidential Communications. We will accommodate your reasonable request to receive communications of your PHI from us by alternative means of communication or at alternative locations if the request clearly states that disclosure of that information could endanger you.
Personal Representatives. You may exercise your rights through a personal representative who will be required to produce evidence of his or her authority to act on your behalf. Proof of authority may be made by a notarized power of attorney, a court order of appointment of the person as your legal guardian or conservator, or if you are the parent of a minor child. We reserve the right to deny access to your personal representative.
Right to Receive Paper Copy of this Notice. You may obtain a copy of this Notice. You may obtain a paper copy of this Notice even if you agreed to receive such notice electronically. Please contact us and we will mail it to you.
We may change the terms of this Notice at any time. If we change this Notice, we may make the new terms effective for all of your PHI that we maintain, including any information we created or received prior to issuing the new notice.