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November 2013
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Privacy Policy

MHC Privacy Policy

If you have questions or concerns regarding this statement, you should first contact us by emailing and writing “Privacy Policy” in the subject line.
How We Collect Your Information
The first thing to remember about privacy is that there is only so much information that any website can collect without your answering of specific questions. logs IP addresses (in other words, the location of your computer on the Internet) for system administration, troubleshooting, and to examine overall traffic trends. (For example, IP addresses help us determine the percentage of people coming from various online gateways, such as Yahoo! or America Online.) This information, in aggregate form, is recorded for administrative purposes only. IP addresses are not linked to any personal information. You can browse and read our editorial content without registering or providing any personal information.

We do collect Non-Personal Information about your use of and your use of the Web sites of selected sponsors and advertisers through the use of cookies. Every computer that accesses is assigned a different Cookie. The information collected by cookies (i) helps us generate advertising and content on web pages, (ii) allows us to understand better how many people are using and selected sponsor and advertiser sites, and (iii) why they are visiting us. We may use cookie information to deliver certain advertisements on based on areas of the Site that you have visited during the same session or to determine the popularity of certain content or advertisements. In connection with our sale of advertising we may allow third parties to place a cookie on your browser in order to enable advertisers to recognize your browser in order to deliver an advertisement based on non-personally identifiable information. Importantly, we do not allow these advertisers to collect any information based on your visits to

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 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, develop content on the website, and inform you of significant changes to this Privacy Policy.

Some interactive content, tools and services may ask you to register and voluntarily provide other types of information about yourself including Personal Health Information. These tools (like calculators) store your Personal Health Information in accordance with the authorization you provide at the time you use the tool.
We offer a message board on our website. Any information you voluntarily disclose when you post to the message board becomes public and may be used by us for online and offline promotional and commercial uses. If you choose to post comments on our website, you should be aware that any personally identifiable information you submit is public and can be read, collected, or used by other users of those areas, and could be used to send you unsolicited messages. We are not responsible for any personally identifiable information you choose to submit.

Aggregated User Information may combine, in a non-identifiable format, the Personal Health 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, we may use information gathered through the Health Expense Calculator to create a composite profile of all the users. These third party Web sites may use this information to understand community needs and to design appropriate programs and activities on their site. will not disclose your Personal Health Information to any third party without your prior permission, except as otherwise permitted by this Privacy Policy. 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. We might also inform a pharmaceutical company (that may or may not be an advertiser on our site) that “30% of our users live east of the Mississippi.” 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.

Release of Personal Information
Except as described in this Privacy Policy or as specifically agreed to by you, will not disclose any Personally Identifiable or Personal Health Information it gathers from you on our website. We may only release Personally Identifiable or Personal Health Information 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 Personal Health Information to a third party, we will attempt to notify you unless doing so would violate the law or court order.

Upon your request, we will delete your Personally Identifiable or Personal Health Information from our active databases and where feasible from our back-up media. You should be aware that it is not technologically possible to remove each and every record of the information you have provided to from our servers.
This Privacy Policy does not apply to content, business information, ideas, concepts or inventions that you send to 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 us.

We are committed to protecting the privacy of children. Neither 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. does not knowingly do business with any company that uses Spyware. We do not provide users with downloadable software that collects or uses any Personally Identifiable Information or Personal Health Information without full disclosure and Opt-in consent.

Changes to the Privacy Policy
Personally Identifiable Information – We will inform you if a material change is made to the Privacy Policy, which means a change that expands the permissible uses or disclosures of Personally Identifiable Information allowed by the prior version of the Privacy Policy. Your continued use of the Web site will indicate acceptance of the changes. You may of course choose to Opt-out of continuing to use the Web site. Please exit the site immediately if you do not agree to the terms of this Privacy Policy or any revised policy.

Personal Health Information – We will inform you if a material change in the Privacy Policy is made that involves the use of your Personal Health Information, and your express Opt-in authorization will be requested. If you choose to not accept the new privacy policy, then the current privacy policy conditions will remain in effect, so long as Healthcare Expense Calculator continues to make the functionality available. reserves the right to discontinue or limit functionality in all its products including and Healthcare Expense Calculator.

Non-Significant Changes – may make non-significant changes to the Privacy Policy that do not affect Personally Identifiable Information or Personal Health Information. For these instances, may not notify you of such non-significant changes.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places appropriate throughout our site so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, and by means of a notice on our home page.