Privacy Policy

Effective date: September 22, 2021

PLEASE READ THIS PRIVACY POLICY CAREFULLY.

Welcome to Overalls, a product of Overalls, Inc., a Delaware C Corporation (“Overalls,” “we,” “us” or “our”). Overalls is committed to respecting the privacy of our users. We strive to provide a safe, secure user experience. This Privacy Policy has been created to disclose Overalls’ use, collection and protection of the personal and health information that you give to Overalls when you access or use Overalls.

Overalls provides an online service to help users select benefits and insurance policies (the “Service”). By downloading, accessing or using the Overalls Service, you signify that you have read this Privacy Policy, and the Overalls Terms of Use, and that you agree to be bound by it. Our Privacy Policy applies to all visitors, users, and any others who access the Service (“user” “you,” or “your”). Each time you visit us, the most recent published version of our Privacy Policy applies. If you do not agree to this Privacy Policy, you may not use our Service. Your continued use of our Service following the posting of changes to this Privacy Policy will be deemed your acceptance of those changes.

A.   INFORMATION WE COLLECT

• As you use our Service, Overalls may collect personal information that you provide to us (some of which may constitute PHI) including, but not limited to, your username, password, e-mail address, phone number, contact information and any other information from which your identity is discernible. Additionally, Overalls may collect personal health information that you provide to us, such as your height, weight, smoker status or blood pressure.
• Overalls also may collect demographic information that you provide to us, such as your ZIP code or gender.
• If you contact us, we may collect any information you voluntarily share with us to help you resolve your problem. We may also collect technical information regarding your browser or mobile device, so that we may help you troubleshoot your problem.
• We collect non-personal identification information about your interactions with our Service. This is sometimes called “aggregate data.” Aggregate data may include your browser name, the type of computer used as well as technical information about how you connect to our Service. This information may include the operating system and the Internet service providers utilized, mobile device information (phone model and version), IP address, and other related information.
• If you use a mobile device to use our Service we may access, collect, monitor or store your device identifier. These device identifiers include your phone version and model number. Device identifiers help us verify a user’s identify.

You may review, correct, update or change your Overalls account profile information at any time. Simply log into your Overalls account, click on your name and scroll down to “Account,” review your account information and edit it with the options provided.

We collect information from you when you create a Overalls account, transmit information to us by e-mail, create or add information to your profile, and when we contact you or you contact us. 

Overalls uses “cookies” to collect analytics information via Google Analytics, and to help maintain your security and privacy online. Cookies help us to personalize and maximize your online experience and time online. A cookie is a text file that is placed on your hard drive by a Web page server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to your computer, and can only be read by a web server in the domain that issued the cookie to you.

You may have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline all cookies if you prefer. Alternatively, you may be able to modify your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. If you choose to decline cookies, however, that may hinder performance and negatively impact your experience with Overalls.

Overalls utilizes third party analytics tools, such as Google Analytics. These tools collect information sent by your device or our Service, including the web pages you visit, add-ons, and other information that helps us improve the Service. Overalls may allow users to sign in using third party services, including social media sites that may collect analytics information as well.

No method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot ensure or warrant absolute security. Overalls is dedicated to keeping your information secure. Although we endeavor to provide reasonable security for your information, no security system can prevent all potential security breaches.

To the extent that Overalls is functioning as a Business Associate, Overalls implements technical, physical, and administrative safeguards as required by HIPAA to protect your information. However, to the extent Overalls is operating as a Business Associate, the Covered Entity (e.g., your employer or insurer) is responsible for validating our privacy and security practices prior to entering into a Business Associate Agreement with us, and is responsible for ensuring that a Business Associate Agreement has been executed.

We require that you use a password to protect your information when using the Service. It is your responsibility to keep that login information secure. Furthermore, it is your decision to provide us with your PHI.

Overalls uses a service company to process its information transactions. Overalls has the right to share your de-identified personal and health information and aggregate data with third parties in a manner that is consistent with this Privacy Policy and applicable law.

Furthermore:

• If Overalls learns of a security systems breach, we will notify you as required by applicable law so that you can take appropriate protective steps. You agree to receive notification of the breach electronically.
• We endeavor to provide notice to you of any security systems breach and efforts to restore our Service as required in accordance with applicable law. If you become aware of any breach of data security or have any other questions about the security of the Overalls Service, please contact us at: help@getoveralls.com

Overalls may collect and use information, including any Personal Information which you provide and the aggregate data that you generate, for the following purposes:

• To Improve Customer Service

Information you provide helps us respond to your customer service requests and support needs more efficiently.

• To Personalize Your Experience

We may use your de-identified information to understand how our Users as a group use the Service and resources provided on the Service.

• To Verify Your Identity

We use your information to prevent fraud, or other unauthorized or illegal activity on your account.

• To Improve Our Site and App

We may study or use the information and feedback you provide to improve our Service.

• To Send You E-mail

We may use your e-mail address to send you communication relating to your account including account verification, changes to our Service, technical and security notices. We may also provide communications regarding updates in our Privacy Policy. We may also use your e-mail address to respond to your inquiries, questions, or other requests. You are given the choice to opt-out of certain optional communications from us and our affiliates and partners. To “opt-out” you may send an opt-out request to us at help@getoveralls.com with the word “unsubscribe” in the email subject line. You may not unsubscribe from service-related emails such as account verification, changes and updates to our Service, or technical and security notices.

• To Tailor Content to Your Interests

To the extent permitted by applicable federal and state laws and regulations, we may use your information to show you content that we think may be of interest to you.

• To Tailor Advertising to Your Interests

To the extent permitted by applicable federal and state laws and regulations, we may use your information to show you ads that are more relevant to your interests.

• To Communicate With Third Parties and Enable Third Parties to Communicate With You in a Manner Consistent with This Privacy Policy

To the extent permitted by applicable federal and state laws and regulations, your information may also be transferred to third parties who act for or on our behalf (including service providers who provide services on our behalf), for further study or processing in accordance with the purpose for which the information was originally collected or may otherwise be lawfully processed, such as services delivery, evaluating the usefulness of the Service, evaluating improvements upon or new uses for the Service, marketing, data management or technical support.

The Internet is a global environment. Using the Internet to collect and process personal and health information necessarily involves the transmission of data on an international basis. This means that your information may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the privacy laws may not be as protective as those where you are located. Overalls is based in the United States. When you use our Service you consent to the processing and transfer of information in and to the United States and other countries.

• Keep in mind, even if the laws in your country are more protective than U.S. law, U.S. law governs your use of our Service.
• If you are a user based in the U.S. and you use the Service while you are abroad, your information may be available to law enforcement or to the government of that country.
• By registering for and using the Service you consent to the transfer of information to the U.S., the use and disclosure of this information is described here, in this Privacy Policy.

• To the extent permissible by applicable laws and regulations, we may disclose your personal information, health information, and aggregate data to a third party as part of a reorganization or a sale of the assets of Overalls.
• To the extent permissible by applicable laws and regulations, any third party to which we transfer or sell Overalls assets will have the right to continue to use the information that you provide to us (personal, health and aggregate data) subject to this Privacy Policy.

• Our Service may contain user links to websites other than our own. We have no control over these third party links, and do not assume responsibility or liability for any content, opinions, materials, or services available on them.
• We retain the right to disable user links from the Service, but make no warranties that we will do so.
• If you leave the Service and access a third party site or content linked from our Service, our Privacy Policy no longer governs your transaction.
• It is your responsibility to review the privacy policy of any third party website that may be linked from our Service, and we encourage you to do so.

We may share your information in response to a request from law enforcement officials both within and without the United States if we have a good faith belief that the law requires us to do so. We may have to share your information in response to civil or criminal subpoenas, or other requests by law enforcement personnel, to establish or exercise our legal rights or, defend against legal claims and if in our judgment in such circumstances disclosure is required or appropriate.

We may also share your information if we believe it is necessary to investigate, prevent, or take action regarding illegal activities, in the event of suspected fraud, in situations involving potential threats to the physical safety of any person, in violations of our Terms, or as otherwise required by law.

Children under the age of 13 should not attempt to use or access our Service. Further, we never collect or maintain information from our Service from those we actually know are under 13, and no part of our Services are structured to attract anyone under 13. In the event that we learn that we have collected personal information from a child under 13 without parental consent, we will delete that information as quickly as possible. Please contact us at help@getoveralls.com for assistance if you believe we might have any information from or about a child under 13 using our Service.

Do Not Track. We do not respond to Do Not Track (DNT) signals at this time.

Notice for Minors. Our Service is interactive and allows you to post content to share with others. At any time you can delete or remove content you have posted using the deletion or removal options within our Service. If you have questions about how to remove content in a specific service or if you would like additional assistance with deletion you can contact email us at help@getoveralls.com. Although we offer deletion capability for our Service, you should be aware that the removal of content may not ensure complete or comprehensive removal of that content or information posted through the Service.

Overalls may update or make changes to this Privacy Policy at any time. Please review it periodically. We may provide you additional notice of modification as appropriate, either through email, or an updated “date,” on the Privacy Policy we post on our Service. Your continued use of our Service after any modification of the Privacy Policy will constitute your acceptance of these modifications.

If you have any questions about our Privacy Policy or Service please contact us at help@getoveralls.com.