IApp Notice of Privacy Policies

The law gives you certain privacy rights regarding personal information and personal health information, hereafter referred to as PHI. This notices describes how the Semons Financial Group may use the PHI of you and/or your dependents and your rights regarding it's use.

Why do we collect your PHI?
The Semons Financial Group collects your PHI in order to assist your employer in offering you and your dependents quality benefit programs at the best possible price. A critical part of that process is having the ability to give prospective insurers accurate personal information as well as historical health data. As part of our relationship with your Employer we will use this information to obtain price quotes from prospective insurers or other vendors and/or develop recommendations regarding the benefit programs he may wish to offer you. We are required by applicable state and federal laws to maintain the privacy of your PHI and only disclose it as permitted by law. This notice explains how we will collect your PHI, how we protect your PHI, to whom we will share your PHI and your rights regarding the disclosure of your PHI.

How do we collect your PHI?
In most cases we collect your PHI directly through you, your dependents and insurers.

How do we protect your PHI?
We protect your information by encrypting all data submissions that occur over the Internet and by maintaining your PHI in an encrypted state while in our data base. If you have followed our recommendation regarding customizing your password for access to our systems, these levels of security will protect your PHI well beyond federal and state requirements. Additionally, all employees of the Semons Financial Group are under obligation to hold confidential all client PHI and are subject to disiplinary action if they fail to follow this code. At no point, now or in the future, will we sell any of your PHI to any outside vendor.

Who do we share your PHI with?
We will never disclose your PHI with any institution, vendor, or individual except for uses approved by law and/or the following uses:
Payment Activities: We may use and disclose your PHI to fulfill payment activities which may arise from services offered through your employer for your benefit.
Plan Sponsors: We may disclose some elements of your PHI to the plan sponsors which is necessary for them to carry out their general administrative and fiduciary activities.
Quote Submissions: We may disclose your PHI to secure quotes for coverages or services that your employer would request or which, in our opinion, may be beneficial for you and/or your employer.
Service Requests: We may disclose your PHI to you, your dependents and in limited cases your friends and/or family members, if requested, and if we determine that the disclosure of said information will be in your best interest.
Required by Law: We will disclose your PHI when we are required by law, including court ordered proceedings.

What are your rights regarding the disclosure of your PHI?
You have the right to review and receive a copy of your PHI. This does not include the right to receive information that may have been generated or obtained through the use of your PHI. You have the right to request an amendment to your PHI if you believe it to be inaccurate. You have the right to request that we put additional restrictions on our use or disclosure of your PHI. You have the right to request that we communicate with you in confidence about your PHI by alternative means provided you specify a reasonable alternative means.

If you believe we have violated any of these Privacy Policies you can contact us at 208-238-1171. If you have a complaint you can direct a written complaint to the U.S. Department of Health and Human Services.