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Privacy Statement

Our Commitment to Online Privacy
Benefit Marketing Solutions is committed to protecting your privacy and to complying with applicable data protection and privacy laws. This Privacy Statement ("Statement") explains how personal information you provide is processed when using this website. The following privacy statement applies only to users of the RAC Benefits Plus website at http://racbenefitsplus.com. This website may contain links to other sites which are outside our control and are not covered by this Statement. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy statement. We encourage you to read the privacy statements on other websites you visit. Aon is not responsible for the content or privacy practices of linked sites or any use of those sites.

Information Gathered by Us
We collect two types of information via our website: Visitor Information and Personal Information. We gather Visitor Information to improve information about products and services offered.

Visitor Information
Visitor Information is collected on an aggregate basis. It includes how many people visit our website, pages people visit, features they use, and how long they stay on the website. Visitor Information is generally gathered using cookies.

Cookies
"Cookies" are the small files stored on your computer's hard drive as you use a website. We use both session ID cookies and persistent cookies. A session ID cookie terminates once a user closes his or her browser. A persistent cookie is a small text file stored on the user's hard drive for an extended period, and must be removed by the user.

Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about quotes you requested during a session. We do not collect any Personal Information from cookies and none of the information can be linked back to your Personal Information.

You can control acceptance of cookies by modifying your Internet browser preferences. You have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to block all cookies you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies.

Personal Information
We collect Personal Information when you complete an online form and retain Personal Information only for as long as necessary to fulfill the stated purpose(s), or as required by law. We also collect email addresses of those users who communicate with us via email. We do not sell or share email addresses to or with any third party.

Use of Personal Information
The personal information we collect will be used to provide information and services as requested by you. We may also use your Personal Information to target valuable marketing and advertising offers or to help us design and build better products and services. You can opt out of receiving these additional communications from us by following the opt-out procedures below.

Disclosure of Personal Information to Third Parties
We disclose personal information to service providers that are necessary to provide our products and services. We also may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes. We do not rent, sell or otherwise disclose personal information about our online visitors.

Accessing Your Personal Information
You can update the Personal Information you provided to us, by contacting us at the address listed below.

Security
Benefit Marketing Solutions has implemented commercially reasonable standards of security in order to protect personal information from loss, misuse, alteration or destruction.

Opting Out
If you do not wish to receive communications from Benefit Marketing Solutions or third parties selected by Benefit Marketing Solutions by regular mail, you can contact us at the address or phone number listed below.

Questions or Concerns about Our Privacy Policy
If you have any questions relating to this Privacy Policy or the personal information we hold about you, please contact us via mail or phone at:


Mailing Address:
Benefit Marketing Solutions
900 36th Ave. Northwest
Suite 105
Norman, OK 73072
Phone: 800.565.3827

For Minnesota Residents
The disclosure of personal information among Benefit Marketing Solutions and affiliates is authorized under the Minnesota Insurance Fair Information Report Act, § 72A.502, subdivision 8, which allows for disclosure without written authorization where i) the personal information is used for a limited purpose and ii) the affiliate agrees not to disclose the information for any other purpose or to unaffiliated persons.

For Montana Residents
The disclosure of personal information among Benefit Marketing Solutions and affiliates is authorized under Montana's Insurance Information and Privacy Protection Act, MCA 33-19-306 (12)(a) and (b), which allows for disclosure without written authorization where i) the personal information is used in connection with an audit or to enable Benefit Marketing Solutions to perform an insurance function and ii) an appropriate agreement is executed with the affiliate to limit the affiliate's use and disclosure of the personal information.

For New Mexico Residents
We may disclose personal information among Benefit Marketing Solutions and affiliates without written authorization pursuant to New Mexico's Privacy Rule, 13.1.2.1 through 13.1.3.23 NMAC. However, any such disclosure will be only to the extent necessary to effect, administer or enforce a transaction that you have requested or authorized.

For North Dakota Residents
NDCC 26.1-02-27 permits Benefit Marketing Solutions to disclose personal information pursuant to NDCC 45-14-01-11, which sets forth North Dakota's rules promulgated in accordance with NAIC's Privacy of Consumer Financial and Health Information and allows for disclosure where appropriate opt-out notice and opportunity has been given.

For Vermont Residents
Benefit Marketing Solutions is authorized to disclose personal information under Vermont's Privacy of Consumer Financial and Health Information Regulation Article IV, Sections 14(A), (B) and (C), which provide an exception to the general "opt-in" rule (which requires consumers to affirmatively agree to disclosure) where Benefit Marketing Solutions executes an appropriate agreement with the third party that limits the third party's use and disclosure of the personal information. Benefit Marketing Solutions is further authorized to disclose personal information under Sections 15(A) and (B) which provide an exception to the "opt-in" requirement where the disclosure of personal information is necessary to affect, administer or enforce a transaction that the customer authorizes. Our release of personal information is also authorized where permitted by law under Section 16(A).

*Benefits vary by state. Not all members are eligible for all benefits. Some restrictions apply.

Disclosures: The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act.

The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., P.O. Box 630858, Irving, TX 75063. You may call 1-888-770-4123 for more information or visit the provider locater for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers´ city, state and specialty, located in the member´s service area. The fees for The Plan are specified in the membership agreement. The Plan includes a 30 day cancellation provision. Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.