Application Software, Inc. doing business as ASI COBRA values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.asicobra.com and use our COBRA administration services.

If you feel that we are not abiding by our posted privacy policy, please contact us by email at cobra@asicobra.com or by calling 573.777.8991.

INFORMATION COLLECTION AND USE
ASI COBRA is the owner of the information collected on this site. However, your former employer also has access to most of the information collected from you on this site because you are/were eligible for COBRA coverage through your former employer. In addition, the portion of the website that requires a login as a participant or an employer is hosted by our subcontractor, Wex Health, Inc. Wex Health, Inc. is subject to the same privacy requirements as ASI COBRA and has access to your information solely for the purpose of providing COBRA administration.

We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. ASI COBRA collects information from our users at several different points on our website and will advise you if you are leaving our sites to go to another site.

For Website Visitors Only: If you only browse our public website without registering for services, we collect minimal information (IP addresses for security and legal compliance). No personal information is collected or stored for casual visitors.

BENEFIT ELECTIONS
To make a benefit election, you must have login access to the ASI COBRA website and must provide contact information (such as name and mailing address) and financial information (such as bank account details). This information is used for benefit enrollment and payment purposes. If we have trouble with your payments or processing your enrollment, this contact information may be used to get in touch with you.

REGISTRATION
In order to use our website services, you must first complete the registration process. During registration you will be required to provide or verify certain information such as your mailing address, Social Security Number, and employment details. This information is used to fulfill service requests and verify your eligibility for COBRA benefits. ASI cannot process your online requests without the registration information or allow access to the secure portion of our website, as we need to verify status and eligibility.

DATA SHARING
We may share aggregated, anonymized information with our partners such as purchase trends and demographic data. This information cannot be used to identify any individual person.

We use outside companies to mail certain items such as notices and coupons to you. These companies do not retain, share, store, or use personally identifiable information for any secondary purposes beyond completing the requested mailing services.

We contract with third party vendors to assist us in delivering our services to our customers. These vendors include third parties, such as data processors and strategic partners, who perform services on our behalf to our employee participants and employer clients. These parties are prohibited from using personally identifiable information except for the purpose of providing these specific services.

We do not ask you for, access, or track any location-based information from your mobile device at any time while downloading or using our sites or services.

LINKS
This website may contain links to other sites. Please be advised that ASI is not responsible for the privacy practices of or the content included on such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each website that collects personally identifiable information. This Privacy Policy applies solely to information collected by this website.

COOKIES AND TRACKING
A cookie is a piece of data stored on your device containing information about your session. After you enter your username and password and click the Log On button, we will use a session ID cookie to indicate the beginning of your session with ASI and make it easier for you to navigate our site. A session ID cookie expires when you close your browser.

For Registered Users: We use essential cookies necessary for account access and service functionality. If you reject cookies, you may not be able to log on to our site.

For Website Visitors: We use only essential cookies for security purposes. No tracking or marketing cookies are used for non-registered visitors.

This privacy statement covers the use of cookies by www.asicobra.com only and does not cover the use of cookies by any advertisers or other third party sites that you may access through a direct link from ours.

LOG FILES
We may record IP addresses when you access our site to comply with laws and regulations. We also use IP addresses to analyze trends, administer the site, and gather broad demographic information for aggregate use. IP address logs are retained for security and legal compliance purposes only.

SURVEYS
We may occasionally request information from users via surveys. Participation in these surveys is completely voluntary, and you have the choice to participate anonymously. Information requested may concern ASI COBRA’s processes, website usage, and service satisfaction. Contact information may be used to verify the validity of responses. Survey information will be used for the purposes of monitoring or improving our website or services.

SECURITY
When our registration/profile forms ask you to enter sensitive information, such as your home address and Social Security Number, that information is encrypted using current security standards. While on a secure page, your web browser will show a 'locked' status in the address bar.

While we use encryption to protect sensitive information online, we also protect user information offline. All of your information is restricted in our offices. Only employees who need the information to perform a specific function are granted access to personally identifiable information. Our employees must use password-protected systems and follow strict security protocols.

All employees are kept up-to-date on our security and privacy practices. The servers that we use to store personally identifiable information on are kept in a secure, controlled environment.

If you have any questions about the security of our website, you can send an email to cobra@asicobra.com.

DATA RETENTION
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

YOUR PRIVACY RIGHTS
Who These Rights Apply To: These privacy rights apply to individuals who have registered for COBRA benefits or services through our website. If you are only browsing our public website without creating an account, we collect minimal technical data, and these expanded rights may not apply.

Right to Know and Access: As a registered user, you have the right to request information about the personal information we have collected about you, including account information, benefit elections, payment records, and communications history.

Right to Delete: You have the right to request deletion of your personal information, subject to legal requirements to maintain COBRA enrollment records, ongoing benefit obligations, and fraud prevention needs.

Right to Correct: You may request correction of inaccurate personal information in your account. Many corrections can be made directly through your online account portal.

Right to Opt-Out: You may opt-out of non-essential email or text communications. You cannot opt-out of essential communications required for COBRA benefit administration.

Right to Limit Use: You may request that we limit use of your sensitive personal information to only what is necessary for COBRA benefit administration, payment processing, and legal compliance.

Request Process: Contact us using our contact information below to exercise these rights.

Right to Non-Discrimination: We will not discriminate against you for exercising any of these privacy rights.

Limitations: Some privacy rights may be limited by federal COBRA regulations and state insurance laws. We will explain any limitations when responding to your requests.

NOTIFICATION OF CHANGES
If we decide to change our privacy policy or use personally identifiable information in a manner different from that stated at the time it was collected, we will update this policy and post those changes on our website.

LEGAL DISCLAIMER
Though we make every effort to preserve your privacy, we may need to disclose personal information when required by law and when we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our organization.

CONTACT INFORMATION
If you have any questions or suggestions regarding our privacy policy, please contact us at:

Phone:	877.388.8331
Email:	cobra@asicobra.com
Postal Address:	ASI COBRA
	201 W. Broadway, Suite 4-C
	Columbia, MO 65203
Website URL:	www.asicobra.com