Privacy Policy
Effective Date: January 15, 2026
1. Introduction
Health Claim Navigator AI ("we," "our," or "us") is committed to protecting your privacy and health information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our health insurance claim management services.
By using our services, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our services.
2. Information We Collect
2.1 Personal Information You Provide
- Account Information: Name, email address, password when you create an account
- Payment Information: Billing address and payment card details (processed securely through Stripe)
- Health Insurance Information: Insurance policy details, claim information, EOBs, bills, denial letters
- Medical Information: Documents you upload related to your health insurance claims (we do not collect or store medical records unless you upload them)
- Communication Data: Information from emails or support requests you send us
2.2 Automatically Collected Information
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Data: Pages visited, features used, time spent, click patterns
- Cookies and Tracking: Session cookies, preference cookies, and analytics cookies
- Location Data: Approximate geographic location based on IP address
3. How We Use Your Information
We use the collected information for the following purposes:
- Provide and maintain our claim management services
- Process your payments and manage your subscription
- Generate AI-assisted administrative documents based on your inputs
- Track claim deadlines and provide organizational assistance
- Send you service-related emails and updates
- Respond to your inquiries and provide customer support
- Improve our services and develop new features
- Detect and prevent fraud or abuse
- Comply with legal obligations including HIPAA where applicable
4. AI Processing and Health Data Use
Important: When you use our AI features:
- Your claim documents and text may be processed by AI models for document generation
- We do not permanently store your uploaded health documents beyond necessary processing
- AI-generated responses are created specifically for you and not shared with others
- We do not use your health data to train AI models
- Generated documents are temporarily stored for download (deleted after 30 days)
- We implement HIPAA-compliant security measures for health information
5. Data Sharing and Disclosure
We do not sell, rent, or trade your personal or health information. We may share your information only in these circumstances:
5.1 Service Providers
| Provider |
Purpose |
Data Shared |
| Stripe |
Payment processing |
Payment information |
| AI Services |
Document generation |
Claim text (de-identified where possible) |
| Netlify |
Website hosting |
Usage data |
| Supabase |
Database and authentication |
Account and claim data |
5.2 Legal Requirements
We may disclose your information if required by law, court order, or government request, or if we believe disclosure is necessary to:
- Comply with legal obligations
- Protect our rights and property
- Prevent fraud or security issues
- Protect the safety of any person
6. Data Security
We implement appropriate technical and organizational measures to protect your health information:
- Encryption: SSL/TLS encryption for data in transit, encryption at rest for stored data
- Access Controls: Limited access to personal data on a need-to-know basis
- HIPAA Compliance: Security measures consistent with HIPAA requirements
- Secure Infrastructure: Cloud hosting with security certifications
- Regular Updates: Security patches and vulnerability assessments
- Payment Security: PCI-compliant payment processing through Stripe
However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
7. Data Retention
- Account Data: Retained while your account is active plus 90 days
- Uploaded Documents: Processed and deleted within 30 days unless saved to your account
- Generated Documents: Stored for 30 days for download, then deleted
- Payment Records: Retained for 7 years for tax and accounting purposes
- Support Communications: Retained for 2 years
- Analytics Data: Anonymized and aggregated after 26 months
8. Your Privacy Rights
Depending on your location, you may have the following rights:
- Access: Request a copy of your personal and health information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal information
- Portability: Request your data in a portable format
- Objection: Object to certain processing activities
- Restriction: Request restriction of processing
To exercise these rights, contact us at privacy@healthclaimnavigator.com
9. HIPAA Compliance
While Health Claim Navigator AI is not a covered entity under HIPAA, we implement security measures consistent with HIPAA standards to protect your health information:
- Administrative, physical, and technical safeguards
- Encryption of health information
- Limited access to health data
- Secure disposal of health information
10. Children's Privacy
Our services are not intended for children under 18. We do not knowingly collect personal information from children. If we discover we have collected information from a child, we will delete it immediately.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically. We will notify you of material changes by:
- Posting the new policy on this page
- Updating the "Effective Date" at the top
- Sending an email notification for significant changes
12. Contact Information
For privacy-related questions or to exercise your rights, contact us at:
Privacy Officer
Health Claim Navigator AI
Email: privacy@healthclaimnavigator.com
Website: https://healthclaimnavigator.netlify.app
13. Consent
By using our services, you consent to our Privacy Policy and agree to its terms.
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