NOTICE OF PRIVACY PRACTICES (HIPAA)

Tigerless Health, Inc. ("Tigerless," "we," "us," or "our") is a licensed health and property & casualty insurance agency. In the course of providing our services, we may receive or come into contact with information that constitutes Protected Health Information ("PHI") under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA").

In most cases, Tigerless is not a healthcare provider or health plan and is generally not a "covered entity" under HIPAA. However, when we receive or handle PHI in connection with our services, we are committed to protecting such information in accordance with applicable privacy and security standards.

This Notice describes how we may use and disclose your health information and explains your rights under applicable law.

1. What is Protected Health Information (PHI)?

PHI refers to any individually identifiable health information relating to your past, present, or future physical or mental health condition, the provision of health care to you, or payment for such care. In our services, PHI may include information you provide to us, such as:

Pre-existing medical conditions or diagnoses

Medications or treatment history

Questions about coverage for specific conditions or procedures

Health-related details shared during consultations or support interactions

Information contained in applications, emails, voicemails, or other communications

We recognize that health information may be shared intentionally or incidentally, and we treat all such information with appropriate care.

2. How We Use Your Health Information

We do not use your PHI to make medical decisions or provide medical advice. We use PHI only as reasonably necessary to provide insurance-related services, including:

Assisting you in evaluating and selecting insurance plans

Submitting applications and facilitating enrollment with insurance carriers

Responding to inquiries regarding coverage, benefits, or plan options

Communicating with insurance carriers or their representatives on your behalf

Complying with applicable legal and regulatory obligations

3. How We Disclose Your Health Information

We do not sell, rent, or trade your PHI. We may disclose your PHI only in limited circumstances, including:

To insurance carriers and their authorized representatives as necessary to provide quotes, facilitate enrollment, or support administrative services related to your policy

To service providers and vendors who support our operations, subject to appropriate contractual safeguards

As required by law, regulation, legal process, or governmental authority

To prevent or address fraud or unlawful activity, as permitted by law

In all cases, we disclose only the minimum necessary information required for the intended purpose.

4. Uses and Disclosures Requiring Authorization: We will obtain your authorization where required by law before using or disclosing your PHI for purposes outside of providing insurance-related services. You may revoke your authorization at any time in writing, subject to applicable legal limitations.

5. How We Protect Your Health Information

We implement reasonable administrative, technical, and physical safeguards to protect PHI from unauthorized access, use, or disclosure, including:

Limiting access to authorized personnel with a business need

Using industry-standard security measures, including encryption where appropriate

Providing training to personnel on privacy and data protection responsibilities

Maintaining secure systems and processes for handling sensitive information

While we take reasonable steps to protect your information, no system can be guaranteed to be completely secure.

6. Your Rights Regarding Your Health Information

Depending on our role and applicable law, you may have certain rights regarding your information, including:

Right to Access — Request a copy of the PHI we maintain about you

Right to Request Amendment — Request that we amend inaccurate or incomplete information

Right to Request Restrictions — Request limits on how your information is used or disclosed

Right to an Accounting of Disclosures — Request a record of certain disclosures of your PHI

Right to Withdraw Authorization — Revoke previously provided authorization for certain uses or disclosures

Please note that we may be required to retain certain information as required by law. We may deny certain requests where permitted by applicable law. To exercise these rights, please contact us using the information below.

7. Breach Notification: In the event of a breach of unsecured PHI as defined under applicable law, we will provide notification as required by HIPAA and other applicable regulations.

8. Complaints: If you believe your privacy rights have been violated, you may file a complaint with us using the contact information below.; You may also file a complaint with the U.S. Department of Health and Human Services:
U.S. Department of Health and Human Services: Office for Civil Rights; https://www.hhs.gov/ocr/privacy/hipaa/complaints/; We will not retaliate against you for filing a complaint.

9. Contact Us: If you have questions about this Notice or wish to exercise your rights, please contact us:; Website: www.tigerless.com; Email: [email protected]; Phone: 1-866-996-0777

10. Changes to This Notice: We may update this Notice from time to time. Any changes will be reflected by updating the effective date above. We encourage you to review this Notice periodically.

The use of services provided by Tigerless Health, Inc. and its affiliate, Tigerless Insurance Agency LLC, is subject to our terms and conditions.

Tigerless Insurance Agency LLC. (“Tigerless”) (NPN #19358909) is a licensed insurance agency, not an insurer. The information presented on this website has been curated by Tigerless for the sole purpose of general information and education. Any descriptions of coverage do not modify or replace any insurance policy’s terms, definitions, conditions, limitations, or exclusions, including those related to preexisting conditions. The ultimate insurance policy premium for each policy is established by the underwriting insurance company subsequent to the application process. Tigerless is compensated through commissions and may receive other performance-based compensations for its services. Not all insurance products and services are available in all states. Rates are subject to change.

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