Privacy Policy

Privacy Policy.

Ratetter understands how important the privacy of personal information is to our users. This Privacy Policy will tell you what information we collect about you and about your use of Ratetter and its services. It will explain the choices you have about how your personal information is used and how we protect that information. We urge you to read this Privacy Policy carefully.

The Ratetter Web site contains links to other sites. Once you enter another Web site (whether through an advertisement, service, or content link), be aware that Ratetter is not responsible for the privacy practices of these other sites. We encourage you to look for and review the privacy statements of each and every Web site that you visit through a link or advertisement on Ratetter.

We hope that reading our Privacy Policy helps you understand how we manage information about you. Throughout our Privacy Policy, we have underlined various terms and hot-linked them to our Glossary or to the corresponding Section within the Privacy Policy to help you better understand their meaning.

While you may use some of the functionality of Ratetter without registration, many of the specific tools and services on our website require registration. If you use our Web site without registering, the only information we collect will be Non-Personal Information through the use of Cookies or Web Beacons. If you choose to register with our Web site for certain Interactive Tools or other services, we require you to submit Personally Identifiable Information. Depending on the tool or service you have selected, we may also collect information about Personal Market preferences. You are responsible for ensuring the accuracy of the Personally Identifiable Information and Personal market preferences you submit to Ratetter. Inaccurate information will affect the information you receive when using our site and tools and our ability to contact you as described in this Privacy Policy. For example, your email address should be kept current because that it is how we communicate with you.

Non-Personal Information We Collect About You.

Even if you do not register with Ratetter, we collect Non-Personal Information about your use of our Web site, special promotions and newsletters.

Cookies.

We collect Non-Personal Information about your use of our Web site and your use of the Web sites of selected sponsors and advertisers through the use of Cookies. Every computer that accesses a Ratetter Web site is assigned a different Cookie by Ratetter. The information collected by Cookies (i) helps us dynamically generate advertising and content on Web pages or in newsletters, (ii) allows us to statistically monitor how many people are using our Web site and selected sponsors' and advertisers' sites, (iii) how many people open our emails, and (iv) for what purposes these actions are being taken. We may use Cookie information to target certain advertisements to your browser or to determine the popularity of certain content or advertisements. Cookies are also used to facilitate a user's log-in, as navigation aids and as session timers. Cookies used by Ratetter are also used to restrict underage use of the tools.

Most browser software can be set to reject all Cookies. Most browsers offer instructions on how to reset the browser to reject Cookies in the "Help" section of the toolbar. If you reject our Cookies, certain of the functions and conveniences of our Web site may not work properly but you do not have to accept our Cookies in order to productively use our site. Your personal information is safe. We do not link Non-Personal Information from Cookies to Personally Identifiable Information without your permission and do not use Cookies to collect or store Personal market preferencesInformation about you.

Web Beacons

We also may use Web Beacons to collect Non-Personal Information about your use of our Web site and the Web sites of selected sponsors and advertisers, and your use of special promotions or newsletters. The information collected by Web Beacons (i) allows us to statistically monitor how many people are using our website and selected sponsors' and advertisers' sites, (ii) how many people open our emails, and (iii) for what purposes these actions are being taken. Our Web Beacons are not used to track your activity outside of our Web sites or those of our sponsors'. We do not link Non-Personal Information from Web Beacons to Personally Identifiable Information without your permission and do not use Web Beacons to collect or store Personal market preferencesInformation about you.

Third Parties Collecting Non-Personal Information on Ratetter's Behalf.

Third parties under contract with Ratetter may use Cookies or Web Beacons to collect Non-Personal Information about your usage of Ratetter's sites, and this information may be used by Ratetter to tailor the advertising you may see on sites within the networks of these third parties. This Non-Personal Information is anonymous and does not contain any personal information about you. These third parties may collect this information, on our behalf, to help Ratetter target our advertising on these third party sites. These third parties have agreed not to use this non-personal cookie or web beacon information except to help us target our advertising on these sites and have agreed to not link any non-personal cookie or web beacon information collected by them on our sites to Personally Identifiable Information they or others collect from other sites. If your browser is set to reject cookies, this Non-Personal Information will not be sent to these third parties. Please read Part 3.A for more information on rejecting cookies.

Personally Identifiable Information We Collect About You.

We collect Personally Identifiable Information, like your name, email address, date of birth, and zip code, you provide to us when you register as a member of Ratetter and/or when you update your member profile. We use the Personally Identifiable Information that you provide to respond to your questions, provide you the specific services you select, send you emails about Web site maintenance and updates, and inform you of significant changes to this Privacy Policy.

Emails You Send to Ratetter.

This Privacy Policy does not apply to content, business information, ideas, concepts or inventions that you send to Ratetter by email. If you want to keep content or business information, ideas, concepts or inventions private or proprietary, do not send them in an email to Ratetter. We try to answer every email within 48 business hours, but are not always able to do so.

Message Boards and other Public Forums.

As a service to our users, Ratetter features message boards, chat rooms and other public forums where users with similar interests or medical conditions can share information and support one another or where users can post questions for experts to answer. We also offer online discussions moderated by marketing experts. Any information shared (including Personally Identifiable and Personal market preferences) that you reveal in a chat room, message board, Ask Our Expert posting or online discussion is by design open to the public and is not a private, secure service. You should think carefully before disclosing any Personally Identifiable information on your market preferences in any public forum. What you have written may be seen, disclosed to or collected by third parties and may be used by others in ways we are unable to control or predict, including to contact you for unauthorized purposes. As with any public forum on any site, this information may also appear in third-party search engines like Google, Yahoo, MSN etc.

We use other third parties [like Blogger from Google] to manage the Ratetter blog(s) on our site. When you create a Google Account for Blogger, Google will share the information you have posted as necessary for us and the third party to provide continued service and to allow you to post your blogs on both the Google blog site and the Ratetter site. Google will share ownership of your information as necessary to continue to implement the blogs on our site and as described in their privacy policy. Ratetter will use your information as described in this privacy policy.

Website Registration and Interactive Tools on Ratetter.

After you have registered as a member of Ratetter, you may choose to use certain Ratetter interactive content, tools and services that may ask you to voluntarily provide other types of information about yourself including personal market preferences. Some of your Personal market preferencesInformation will be stored in accordance with the authorization you provide at the time you use the tool.

Children.

We are committed to protecting the privacy of children. Neither Ratetter nor any of its services are designed or intended to attract children under the age of 13. We do not collect Personally Identifiable Information from any person we actually know is under the age of 13. A parent or guardian, however, may use Ratetter Market Manager to establish a personal market preferences and a Ratetter market preference home page for a minor. The parent or guardian is solely responsible for providing supervision of the minor's use of Ratetter. The parent or guardian assumes full responsibility for ensuring that the registration information is kept secure and that the information submitted is accurate. The parent or guardian also assumes full responsibility for the interpretation and use of any information or suggestions provided through Ratetter for the minor.

Market Research.

From time to time the Ratetter market research department, or its operations contractors acting on its behalf, conducts online research surveys in order to gather feedback about our site, our sponsors and opinions on important healthcare issues, through email invitations, pop-up surveys and online focus groups. When participating in a survey, we may ask you to submit Personally Identifiable Information. This Personally Identifiable Information is used for research purposes, and is not used for sales solicitations. When a survey is sponsored by a third party, Aggregate Information of the survey results is reported to the sponsor. Personally Identifiable Information collected through market research will be used only by Ratetter and its service providers and contractors and will not be given or sold to a third party without your consent or as otherwise permitted by this Privacy Policy. For market research surveys we will not knowingly accept survey responses from or conduct interviews with any person under the age of 18. Some surveys may provide remuneration to participants such as a small cash fee for your time or an entry into a sweepstakes for a larger prize. Each survey will disclose whether or not it is a paid survey. In addition to collecting survey responses from our members, Cookies may be used to authenticate respondents or to help you pick up where you left off in a survey. If you have Cookies disabled you may not be able to participate in some studies. Cookies may be used to connect survey data with Ratetter site usage characteristics. You will be notified when we would like to use Cookies in this way and your consent will be requested for these Cookies.

Ratetter Market Manager

Ratetter Market Manager complies with the EU Safe Harbor framework as set forth by the Department of Commerce regarding the collection, use, and retention of data from the European Union. Ratetter Market Manager allows you a secure place to store your Personal market preferencesInformation and provides tools and services in order to better manage your market preferencesand the market preferencesof your family. Ratetter Market Manager requires additional registration whether you access it through (i) Ratetter, (ii) your employer's Web site or (iii) your healthcare sponsor's website. Regardless of how you access the Ratetter Market Manager the following apply:

Ratetter Market Manager Home Page.

Personal market preferencesInformation that you enter into one of the Ratetter Market Manager tools is used to provide you personalized and relevant information on your personalized Market Manager account profile.. Ratetter Market Manager creates a personal profile specifically for you. You control and authorize who can gain access to this page via @friend communication.

Concept Unique Identifiers.

Ratetter Market Manager tailors the information you receive on your personal Market Manager home page to reflect your interests, concerns and personal market preferencescharacteristics. We attach a concept unique identifier (CUI) to every piece of information that you provide us. For example, if you rate a product or a service, that single piece of information is #hashtagged with a CUI that is specific to that particular service or a product. Every user that evaluates that particular product or service is linked via #hashtagofinterest. Each time you view your personalized Market Manager pages, this hashtag is matched to content from Ratetter about product or service of interest, and if our automated algorithms determine that this is likely to be an important topic to you, it will appear on your personalized pages.

Aggregate Data.

Ratetter Market Manager may combine, in a non-identifiable format, the personal market preferences Information you provide with information from other users to create Aggregate Data that may be disclosed to third parties. Aggregate data does not contain any information that could be used to contact or identify you. For example, Ratetter Market Manager may use information gathered to create a composite profile of all the users of a particular third party site. These third party Web sites may use this information to understand community needs and to design appropriate programs and activities on their site. Ratetter Market Manager will not disclose your Personal market preferencesInformation to any third party without your prior permission, except as otherwise permitted by this Privacy Policy.

Interactive Tools on Ratetter.

Interactive tools within the Ratetter , gather self-reported Personal market preferencesInformation. In addition, certain of these tools can store Personal market preferencesInformation coming from third party data interchange agreements between your employer, market preferencesplan, market benefits manager and other third parties that provide data interchange services. We maintain and limit the use of that information to the Opt-in permission you have provided at the time you use the tool.

Ratetter does not knowingly engage in business with a company that uses Spyware. We do not provide Users with downloadable software that collects or uses any PII or PHI without full disclosure and Opt-in consent.

Data Warehouse Analysis.

Upon authorization by your market preferencesplan, healthcare provider or employer, Ratetter may send your Personal market preferencesInformation in a form that cannot be used to personally identify or contact you to a data warehouse for analysis of market preferencestrends and effectiveness of market preferencesprograms. We require these data warehouses to agree that they will not attempt to make this information personally identifiable, such as by combining it with other databases.

Information Collected by Third Parties Not Acting on Ratetter's Behalf.

Sponsors or advertisers on Ratetter may use their own Cookies, Web Beacons or other online tracking technologies in the banner advertisements served on Ratetter and in emails, special promotions or newsletters we send you. Some advertisers use companies other than Ratetter to serve their ads and to monitor users' responses to ads, and these companies ("Ad Servers") may also collect Non-Personal Information through the use of Cookies or Web Beacons on our Web site. In certain situations, information collection may be facilitated by momentarily directing your browser to the Web site of an Ad Server or other third party acting on behalf of the sponsor, partner, or advertiser before re-directing your browser to its selected destination (e.g., back to Ratetter to show the ad, or to the advertiser's website); this re-direction process will not be apparent to you.

We do not control these third parties' use of cookies or Web Beacons, or how they manage the non-personal information they gather through them. However, we do require sponsors, advertisers and Ad Servers who collect cookie or web beacon information through our Web site to agree that they will not collect any Personally Identifiable Information from our site without your consent. They have promised us they will not link any non-personal cookie or web beacon information collected by them on our site to Personally Identifiable Information they or others collect in other ways or from other sites except as may be described in connection with a particular program. For example, in connection with "Ad links" furnished by Yahoo, non-personal information sent by your browser to Yahoo when you click on a sponsored link or submit a query may be used by Yahoo as described in its privacy policy. In addition, Ratetter's Advertising Policy is posted on our Web site and will provide additional detail about our relationship with advertisers and the companies that serve ads.

You should review the privacy policy of other sites you visit or link to from our site to understand how these other sites use cookies and how they use the information they collect through the use of cookies or web beacons on their own sites. Certain Ad Servers allow you to prevent them from collecting data through the use of cookies. In order to do so, you must Opt-out of such data collection with each individual site. Currently, you can Opt-out of Cookies for several Ad Servers by visiting the Network Advertising Initiative gateway Opt-out site. This website will also allow you to review the Ad Server's privacy policies.

You can also find additional information and resources about how to opt out of advertising and related cookies by visiting the World Privacy Forum's Site.

Disclosure of Your Information.

Except as described in this Privacy Policy or as specifically agreed to by you, Ratetter will not disclose any Personally Identifiable or Personal market preferences Information it gathers from you on our website. We may only release Personally Identifiable or Personal market preferencesInformation to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or (2) in special cases, such as in response to a physical threat to you or others, to protect property or defend or assert legal rights. In the event that we are legally compelled to disclose your Personally Identifiable or information regarding personal market preferences to a third party, we will attempt to notify you unless doing so would violate the law or court order. In addition, we may disclose Personal Information as described below.

A. Disclosure to Ratetter Operations and Maintenance Contractors.

Ratetter operations and maintenance contractors sometimes have limited access to your Personally Identifiable Information in the course of providing products or services to Ratetter. These contractors include vendors and suppliers that provide us with technology, services, and/or content for the operation and maintenance of our Web site. Unless you have Opted-out of receiving emails and newsletters from Ratetter, these contractors also may have access to your email address to send newsletters or special promotions to you on our behalf or to send emails to you for purposes such as conducting market research on our behalf. Access to your Personally Identifiable Information by these contractors is limited to the information reasonably necessary for the contractor to perform its limited function for Ratetter. We also contractually require that our operations and maintenance contractors 1) protect the privacy of your Personally Identifiable Information consistent with this Privacy Policy, and 2) not use or disclose your Personally Identifiable Information for any purpose other than providing us with products and services as required by law.

Disclosure to Third Party Contractor Websites.

Certain content and services offered to you through our website are served on Web sites hosted and operated by a company other than Ratetter ("Third Party Contractor Web sites"). Ratetter does not disclose your Personally Identifiable Information to these Third Party Contractor Web sites without your consent, but you should be aware that any information you disclose once you access these other Web sites is not subject to this Privacy Policy. Ratetter does not endorse and is not responsible for the privacy practices of these Third Party Contractor Web sites. You should review the privacy policy posted on the other Web site to understand how that Third Party Contractor Website collects and uses your Personally Identifiable Information. Ratetter makes an effort to make it obvious to you when you leave our website and enter a Third Party Contractor Web site, either by requiring you to click on a link or by notifying you on the site before you visit the third party site. In addition, if you see a phrase such as "Powered by" or "in association with" followed by the name of a company other than Ratetter, then you are on a Web site hosted by a company other than Ratetter.Ratetter also provides links to sites provided by Third Party Contractor Websites that have business arrangements with Ratetter to pay commissions based on sales of products or services generated through Ratetter. An example of this would be "Ad links" from Yahoo on our Search pages.

Disclosure to or by Co-branded Channel Partners.

Ratetter is a contractor and provides co-branded content and services to Channel Partner Web sites hosted and operated by companies other than Ratetter Channel Partner Websites. You can only access these co-branded content and services only through the Channel Partner Web site, and usually from the market preferencessection of these other Web sites. The co-branded Ratetter pages that you may access through a Channel Partner Web site may have different registration processes and opportunities for information collection, and Personally Identifiable Information that you provide on these pages may be shared with the Channel Partners.

Ratetter does not share personal market preferencesInformation with Channel Partner Web sites without your consent. Each of these co-branded Ratetter Web sites has its own privacy policy posted on that site, which explains what information is disclosed by Ratetter to the Channel Partner and vice versa. If you visit one of these co-branded Ratetter sites, please read the privacy policy that is posted on that site, as well as the individual privacy policy of the Channel Partner Web site.

Disclosure to Linked Sites.

In addition to the Third Party Contractor Web sites that you may access as described above, for your convenience there are links to Third Party Web sites operated by companies that are not affiliated with the Ratetter Web site and that do not have contracts to provide content or services through the Ratetter Web site. These links may be found in advertisements, referenced within content, or placed beside the names or logos of sponsors. Ratetter does not disclose your Personal Information to these Third Party Websites without obtaining your consent. Ratetter does not endorse and is not responsible for the privacy practices of these sites. If you choose to link to one of these Third Party Web sites, you should review the privacy policy posted on this other website to understand how that Third Party Web site collects and uses your Personally Identifiable Information.

Disclosure of Aggregate Information.

Ratetter may provide Aggregate Information to third parties. For example, we might inform third parties regarding the number of users of our website and the activities they conduct while on our site. Depending on the circumstances, we may or may not charge third parties for this Aggregate Information. We require parties with whom we share Aggregate Information to agree that they will not attempt to make this information personally identifiable, such as by combining it with other databases.

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