Last Updated: 19th October 2024

At Heltho, Inc. (“Heltho,” “we,” “us,” or “our”), your privacy is of paramount importance to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website www.heltho.com, use our web applications, WhatsApp Heltho bots, and services provided by our third-party health providers and wellness centers. Heltho, Inc., registered in Delaware, USA, operates internationally and complies with the applicable privacy laws in both jurisdictions.

What do we collect?

We collect various types of personal information to provide and improve our services. This information includes:

1. Personal Identifiers: Name, address, email, phone number, date of birth, and employment information.

2. Health Information: Details about your health status and history necessary for insurance services or wellness programs.

3. Financial Information: Bank account numbers, payment information, and transaction data for processing payments.

4. Digital Information: IP address, browsing history, and device details collected automatically through cookies and similar technologies.

5. Third-Party Information: Information provided by third-party health providers, wellness centers, or partners, including medical records, claims history, and service usage.

How do we use that information?

We use the personal information we collect to:

• Provide Services: Offer health insurance coverage, process claims, and personalize services based on your needs. This includes using the information to give accurate insurance quotes, pay claims, and prevent fraud.

• Enhance Your Experience: We use cookies and analytics tools to personalize your experience on our website and improve service offerings.

• Communicate: Respond to your inquiries, send service updates, and manage administrative requests.

• Process Payments: Securely collect payments through third-party vendors for insurance premiums and services.

• Compliance: Ensure compliance with legal, regulatory, and contractual obligations.

• Improve Our Products: Develop new services, enhance customer experience, and carry out research and analysis to optimize our insurance products and wellness programs.

How do we use cookies?

Heltho uses cookies and similar technologies to collect information about your browsing activities, device, and preferences to improve your experience and provide targeted advertisements. We also analyze website traffic and service performance through secure, industry-standard tools. You can manage cookie preferences through your browser settings or Heltho’s cookie settings tool on our website.

How do we share information?

We may share your information with third parties, including:

• Health Providers and Wellness Centers: To facilitate the services we provide, such as health insurance claims, wellness programs, and consultations.

• Service Providers: For tasks like payment processing, customer support, fraud detection, and marketing.

• Analytics and Advertising Partners: To analyze website traffic, deliver personalized advertisements, and assess campaign performance.

• Legal and Compliance: To comply with legal obligations, protect our rights, or as part of an investigation into potential fraud or misconduct.

How do we protect your information?

We employ industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. These measures include encryption, secure servers, and regular security audits.

In the event of a data breach, we will notify you promptly via email, phone, or mail as required by applicable law.

What are your rights?

Depending on your location and applicable laws, you may have the following rights:

• Access and Update: You can request access to or correction of your personal information.

• Data Deletion: You may request the deletion of your personal information, subject to legal or contractual obligations that may require us to retain it.

• Opt-Out: You can opt-out of certain data-sharing activities, including personalized advertising and third-party behavioral tracking by adjusting your settings on our website or contacting us.

To exercise your rights, contact us at privacy@heltho.com.

How do we retain data?

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. The retention period is determined based on the nature of the data, the sensitivity of the information, and the legal requirements in place.

How do we deal with international data transfers?

As Heltho operates internationally, your data may be transferred across borders. We take appropriate steps to ensure that your personal information is protected in accordance with applicable privacy laws during such transfers.

How do we manage changes to this policy?

We may update this Privacy Policy from time to time to reflect changes in our services or legal obligations. The latest version will always be available on our website. We encourage you to review this policy regularly.

How can you reach us?

If you have any questions or concerns about our privacy practices, please reach out at privacy@heltho.com.