Luminare Health Benefits, Inc. and each of its subsidiaries (“Luminare Health Benefits”, “we”, “our” “us”) respects your privacy and is committed to protecting it.
Luminare Health Benefits, Inc.(formerly Trustmark Health Benefits), is the Third Party Administrator (TPA) for Nippon Life Benefits’ customers. As Nippon’s TPA we help to administer their products which include claims management and billing. We also own, host and administer this website for all Nippon members, employers, brokers and providers.
Under the California Consumer Privacy Act (“CCPA”), California consumers may be entitled to certain notices and disclosures regarding the collection and use of their Personal Information. This page is intended to provide the Notice at Collection required under the CCPA. Luminare Health Benefits, Inc. is providing this Notice at Collection as required under the CCPA.
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (“personal information”). Personal information does not include:
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples |
| Identifiers* | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
| Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)*) | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
| Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| Biometric information | Genetic, physiological, behavioral, and biological characteristics, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. |
| Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| Geolocation data | Physical location or movements. |
| Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. |
| Professional or employment-related information | Current or past job history or performance evaluations. |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
| Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
*Some personal information included in this category may overlap with other categories.
We may use or disclose the personal information we collect, to the extent permitted by applicable law, for one or more of the following purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We do not sell your personal information to third parties, and we do not allow third parties to use the personal information we provide to them to offer you their products or services.
More information about how we respect your privacy and are committed to protecting it, please review our Privacy Policy.
Last Updated: December 3, 2023
The California Consumer Protection Act (“CCPA”) provides consumers (California residents) with specific rights regarding their personal information. This section describes methods to make CCPA consumer rights request. More information about these CCPA consumer rights, how we process these requests and are committed to protecting your personal information can be found in our Privacy Policy.
To exercise CCPA consumer rights (i.e. request to know and deletion), please submit a verifiable consumer request to us by either:
You may only make a verifiable consumer request to know or request to delete twice within a 12-month period.
CCPA contains several exemptions and exceptions that apply to our company that may prevent us from honoring your request. Completion and submission of the request does not guarantee that you are entitled to exercise any rights under the CCPA.
Last Updated: December 28, 2020
Luminare Health Benefits, Inc. respects your privacy and is committed to protecting it through our compliance with this policy (“Privacy Policy”).
This Privacy Policy applies to any individual who accesses any of our products, services or websites, or about whom we have collected any personal information (“you”, “your”).
This Privacy Policy describes the types of information we may collect from you or that you may provide to us, as well as our practices for collecting, using, maintaining, protecting and disclosing that information, as well as your rights with respect to your data.
As further detailed throughout this Privacy Policy, if you are applying for, enrolling in, or eligible for, a product or service offered by Luminare Health, or if you visit any of our websites or mobile applications, we will collect information from and about you.
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples |
| Identifiers* | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
| Personal information categories* | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
| Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| Biometric information | Genetic, physiological, behavioral, and biological characteristics, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. |
| Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| Geolocation data | Physical location or movements. |
| Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. |
| Professional or employment-related information | Current or past job history or performance evaluations. |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
| Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
*Some personal information included in this category may overlap with other categories.
We generally do not collect additional categories of personal information or use the personal information we collected for significantly different or meaningfully unrelated purposes without providing you notice.
When you log in to your online accounts with Luminare Health through one of our websites or through a mobile application, you may be required to share certain personal information with us so that we can identify you. You may be asked to provide an email address and password to create your account. In addition, if Luminare Health offers you products or services because of your relationship with your employer, the employer may input personal information about you through our employer website portals or secured sections of our website. The collected personal information will be used to facilitate the delivery of our services to you and, with your consent when required by law, to provide you with relevant communications.
Luminare Health may provide you the opportunity to participate in surveys or contests when you visit our websites; participation is always voluntary. If you choose to participate, we will request certain personal information from you in order to identify you.
We may gather personal information such as Internet Protocol (IP) addresses, browser type, internet service provider (ISP), device identifier or clickstream data in order to tailor and improve our services to you, for analytics and to improve site functionality.
Technologies such as cookies, beacons and, tags or similar technologies may be used for analyzing trends, administering our websites, and tracking user movements around our websites.
Cookies are text files placed on your computer to collect standard internet log information and visitor behavior information.
Luminare Health uses cookies in a range of ways to improve your experience on our website(s), including:
Most browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information.
Definitions:
A “cookie” is a bit of information that a website sends to your web browser that helps the website remember information about you and your preferences.
“Session” cookies are temporary bits of information that are erased once you exit your web browser window or otherwise turn your computer off. Session cookies are used to improve navigation on websites and to collect aggregate statistical information. This website uses session cookies.
“Persistent” cookies are more permanent bits of information that are placed on the hard drive of your computer and stay there unless you delete the cookie. Persistent cookies store information on your computer for a number of purposes, such as retrieving certain information you have previously provided (for example, passwords), helping to determine what areas of the website visitors find most valuable and customizing the website based on your preferences. This website uses persistent cookies.
If you visit any of our websites, you consent to our use of Google Analytics, which uses cookies to collect non-personally identifiable information. Google Analytics uses cookies to track visitors who use our website. We then use the information to compile reports and to help us improve our website. We do not send such information to any third parties. Google Analytics collects the information anonymously. It reports website trends without identifying individual visitors.
We will use this information as aggregate data to help us maintain our website. However, you can opt out of Google Analytics without affecting how you visit our website. For more information on opting out of being tracked by Google Analytics across all websites you use, visit this Google page: https://tools.google.com/dlpage/gaoptout.
If you download and use a Luminare Health mobile application, we automatically collect information on the type of device you use, operating system version and the device identifier.
We use mobile analytics software to better understand the functionality of our mobile application on your device. When using certain functionality via web applications, your location may be used if your mobile devices uses global positioning system (GPS) technology, trackers or other location tools.
Outside of personal information collected online or through a web or mobile application, you, your authorized representative or your employer directly provide us with most of the personal information we collect, usually in one or more of the following ways:
As further detailed throughout this Privacy Policy, to the extent permitted by applicable law, we may use your information to:
We may disclose your personal information as discussed, above, for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we may have disclosed the following categories of personal information for a business purpose:
| Category | Examples |
| Identifiers* | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
| Personal information categories* | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
| Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| Biometric information | Genetic, physiological, behavioral, and biological characteristics, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. |
| Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| Geolocation data | Physical location or movements. |
| Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. |
| Professional or employment-related information | Current or past job history or performance evaluations. |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
| Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
To the extent permitted by applicable law, we may share your personal information with the following categories of third parties:
To the extent permitted by applicable law, we may share your personal information:
We do not sell your personal information to third parties, and we do not allow third parties to use the personal information we provide to them to offer you their products or services.
As further described below, your rights with respect to personal information collected by or through us about you vary depending on the product or service, and the federal and state law(s) applicable to your situation.
Children Online Privacy:
We do not knowingly collect personal information online or otherwise from any person under the age of 16, and we do not offer, otherwise market or direct our products or services to any person under the age of 16. If you suspect that we have collected personal information from a person under the age of 16, please contact us. We do not sell personal information of any individual regardless of age.
HIPAA/GLBA:
If the product or service in which you are enrolled or are eligible to enroll is underwritten by Luminare Health Insurance Company, Luminare Health Life Insurance Company, or Luminare Health Life Insurance Company of New York and is subject to the Federal Health Insurance Portability and Accountability Act (HIPAA) or the Gramm Leach Bliley Act (GLBA), please also refer to your Notice of Privacy Practices in addition to this Privacy Policy.
We have implemented commercially reasonable physical, technical and administrative security measures designed to safeguard and protect your information from unauthorized access.
We are committed to protecting and securing all personal information that you submit to us in any form, whether through this website or any other electronic or non-electronic format. All of our employees who have access to personal information are trained in our data privacy policies and procedures and aware of our standards to keep your information secure and confidential In addition, our contractors, vendors and agents are required to ensure compliance with our data protection standards, and applicable state and federal privacy laws, rules and regulations.
The security of your information also depends on you. Where we have given you, (or where you have chosen), a password for access to certain parts of our website, you are responsible for keeping this password confidential. Please do not share your password with anyone. If you suspect someone else obtained access to your password, please immediately change it.
Please be aware that despite our efforts, no security measures are impenetrable. We cannot guarantee the security of your personal information transmitted to us. If you choose to communicate with us by email, you should be aware that internet email is not secure. We strongly encourage you to use encrypted email when sending sensitive, personal, private and/or confidential information by email. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our website(s), systems or services.
Our Company website(s) may contain links to other websites. Our Privacy Policy applies only to our website. If you click on a link to another website, that third party’s privacy policy will apply to your use of their website. We recommend that you review all third parties’ terms of use agreements and privacy policies before using their websites, goods or services.
Because of changes in technology, industry practices, regulatory requirements and the growth and development of our business, or for other business reasons, we may need to modify this privacy policy from time to time. We will post a copy of the new policy with its effective date on our websites. Where required by applicable law, we will mail you a copy of the Privacy Policy or provide you with electronic notification (such as via email if we have your email address) of a material change to the Privacy Policy.
If you have any questions about our Company’s Privacy Policy, please do not hesitate to contact us.
Email us at: HBPrivacyStaff@hlthben.com
This section is specific to California Consumers and should be read in conjunction with the remainder of the Privacy Policy.
Your Rights and Choices
Effective January 1, 2020, this section supplements the information in the Notice at Collection and applies to a “consumer” and “household” (“You”) as defined by the California Consumer Privacy Act (“CCPA”). You or an authorized agent may make a verifiable consumer request and may exercise certain rights to the extent permitted by the CCPA. A request may also be made on behalf of a consumer who is less than 13 years of age.
The CCPA consumer rights include:
Right to Notice
At or before the point of collection, you must be informed as to the categories of personal information to be collected and the purposes for which it will be used. Please review the Notice at Collection
Right to Know
Right to Delete
How to exercise your rights
Our Response and Verification Process:
Exceptions under the CCPA:
The CCPA details certain situations where the rights above do not apply including, but not limited to:
Last Updated: December 3, 2023
You may contact our representative at the following address:
Luminare Health Benefits, Inc.
Privacy Office
PO Box 7961
400 Field Drive
Lake Forest, IL 60045-7961