1. Introduction

FEHCS and its affiliated entities ("FEHCS," "us," "our," or "we") respect your privacy and are committed to protecting your personal information. This Privacy Policy ("Policy") outlines how we collect, use, maintain, and disclose personal information when you visit our websites (the "Website") or otherwise interact with us (collectively, the "Services"). It also details your rights regarding your personal information and how you may exercise them.

2. Scope

By accessing or using our Services, you acknowledge that you have read and agree with this Policy. If you do not agree, please do not access or use our Services.

This Policy does not apply to personal information collected from employees or job applicants. A separate privacy notice is available upon request.

2.1 State and Federal Privacy Laws

Privacy laws vary by state. If you are a resident of California or Virginia, please refer to the applicable section of this Policy for additional disclosures and rights under those laws.

2.2 Protected Health Information (PHI) and HIPAA Compliance

This Policy does not govern the collection, use, or disclosure ofProtected Health Information (PHI). PHI is regulated by theHealth Insurance Portability and Accountability Act (HIPAA)and applicable state laws. PHI includes individually identifiable health information about your past, present, or future physical or mental health, the provision of health care, or payment for health care services.

If FEHCS collects PHI, it will be handled in accordance with our Notice of Privacy Practices (NPP) rather than this Policy. If you have questions about which policy applies to your information, please contact us using the information provided below.

3. Changes to the Privacy Policy

We may modify this Policy at any time. Changes take effect upon posting on our Website. If material changes occur, we will notify you via email or a notice on our Website. Continued use of our Services following changes constitutes acceptance of the revised Policy. It is important that your personal information, especially your contact information, is accurate and current. If you provide an email address, you are responsible for ensuring we have an up-to-date email address for you.

4. Personal Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address, and demographic details such as zip code and state.
• Internet and Network Activity: IP address, browser type, operating system, device ID, and interaction with our Website.
• Technical and Device Data: Information about your device, browser, and system interactions.

5. How We Collect Personal Information

We collect personal information from the following sources:

• Direct Interactions: When you contact us, fill out forms, or use our Services.
• Automated Technologies: Through cookies, web beacons, and tracking technologies.
• Third-Party Ad Networks and Analytics: We use third-party ad networks and analytics providers (e.g., Google Analytics) to track user interactions and improve our Services.

6. How We Use Personal Information

We may use your personal information for the following purposes:

• To provide, operate, and improve our Services.
• To process transactions and respond to inquiries.
• To send marketing and promotional communications (with your consent where required by law).
• To enhance Website security and detect fraud.
• To comply with legal obligations and respond to law enforcement requests.

7. Disclosure of Personal Information

We may disclose personal information to:

• Affiliates and Employees who need it to perform their job functions.
• Service Providersassisting with our operations (e.g., hosting, marketing, analytics).
• Government Authoritieswhen required by law.
• Professional Advisorssuch as attorneys and financial consultants.
• Business Successorsin the event of a merger or acquisition.

8. Children’s Privacy

Our Services are not intended for children under 16, and we do not knowingly collect personal information from them. If you believe your child has provided personal information, please contact us for removal.

9. International Data Transfers

If you access our Services from outside the United States, please be aware that your information will be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.

10. Data Security

We implement security measures to protect your personal information from unauthorized access, use, or disclosure. However, no data transmission over the internet is 100% secure. You are responsible for keeping your login credentials confidential.

11. Your Privacy Rights

Depending on your location, you may have rights regarding your personal information, including:

• The right to access and request a copy of your personal information.
• The right to correct or delete your personal information.
• The right to opt out of certain data processing activities.
• The right to file a complaint with a regulatory authority.

To exercise these rights, contact us using the information below.

12. Contact Information

For questions about this Privacy Policy or to exercise your rights, please contact us at: