LEGAL INFORMATION

Accessabilty

It is the policy of Lori Doran Insurance to provide accessible services to our customers and the public, regardless of disability status. We strive to provide a more accessible digital experience and are building our website with accessibility in mind.

We have incorporated accessibility features based on principles from the Web Content Accessibility Guidelines

Non-Discrimination Notice

Lori Doran Insurance complies with applicable Federal civil rights laws and does not discriminate on the basis of race,

color, national origin, age, disability, or sex. Lori Doran Insurance Lori Doran Insurance  does not exclude people or treat them differently

because of race, color, national origin, age, disability, or sex.

Lori Doran Insurance :

• Provides free aids and services to people with disabilities to communicate effectively with us,

such as:

– Qualified sign language interpreters

– Written information in other formats (large print, audio, accessible electronic formats,

other formats)

• Provides free language services to people whose primary language is not English, such as:

– Qualified interpreters

– Information written in other languages

If you need these services, contact customer service at the toll-free number shown on your ID card, and

ask a Customer Service Associate for assistance.

If you believe that Lori Doran Insurance  has failed to provide these services or discriminated in another way on the

basis of race, color, national origin, age, disability, or sex, you can file a grievance by sending an email

to ACAGrievance@Lori Doran Insurance .com or by writing to the following address:

Lori Doran Insurance 

Nondiscrimination Complaint Coordinator

4521 West Carol Avenue

Glendale, Arizona  85302


U.S. Department of Health and Human Services, Office for Civil Rights electronically through the

Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf,

or by mail or phone at:

U.S. Department of Health and Human Services

200 Independence Avenue, SW

Room 509F, HHH Building

Washington, DC 20201

1.800.368.1019, 800.537.7697 (TDD)

Complaint forms are available at

http://www.hhs.gov/ocr/office/file/index.html.

Pricacy Notice

Scope

 This Notice supplements and is provided in addition to the Online and Mobile Privacy Statement. Please note,to the extent yourinformation is patient orhealth plan memberinformation provided to obtain pharmacy, medical, or health plan services, this information is governed by the applicable Notice of Privacy Practices and this Notice does not apply. If you are covered by an employersponsored health plan that is self-funded, please ask your employer for your Notice of Privacy Practices. To the extentinformation is protected by the Gramm-Leach-Bliley Act(“GLBA”), please refer to our Gramm-Leach-Bliley Act Privacy Notice. If you are a Cigna employee or job applicant, please referto the Cigna Employee Privacy Notice and Cigna Applicant Privacy Notice. This Policy applies to the extent we process personal information on our own behalf, as a sf-4098344 Effective:January 1, 2020; LastUpdated:January1, 2023 controller or business. Our information practices depend on how you interact with us and which of our websites you visit. For example, while most of our websites are intended for use by our business customers, some of our websites allow consumers to register an account with us, and purchase orders directly for delivery. This Notice applies to the Personal Information we collect 

Personal Information We Collect 

We may collectinformation that describes orrelatesto you (“Personal Information” or “Personal Data” as defined under applicable state law). Personal Information does not include: • Publicly available information as defined under applicable state law. • Deidentified or aggregated information. • Information excluded from the applicable state laws, including but not limited to Personal Information governed by the Health Insurance Portability and Accountability act (“HIPAA”) or Gramm Leach Bliley Act (“GLBA”). In the past 12 months, we may have collected the following categories of Personal Information from non-members/non-patients: • Identifiers such as name, contact information, online identifiers, and government- issued ID numbers; • Commercial Information related to services we provide such as medical information, insurance information, and financial information; • Characteristics of Protected Classifications under state or federal law such as age and medical conditions; • Commercial Information such as transaction information and purchase history; • Internet or Network Activity Information such as browsinghistory and interactions with our website (for more information,see Section 7 titled “How We Use Cookies” below); • GeolocationData such as device location; • Audio, Electronic, Visual and Similar Information such as call and video recordings; and • Professional or Employment-Related Information such as place of employment and job title. We may collect this Personal Information directly from you and automatically when you visit our websites. We also collect this Personal Information from our affiliates, vendors, joint marketing partners, and social media platforms. How 

We Use Personal Information 

We may use the Personal Information we collect for the following purposes: • Services and Support. To provide and operate our Services, communicate with you about your use of the Services, provide troubleshooting and technical support, respond to your inquiries, sf-4098344 Effective:January 1, 2020; LastUpdated:January1, 2023 fulfill your orders and requests, process your payments and claims, communicate with you about the Services, and for similar service and support purposes. • Analytics and Improvement. To betterunderstand how users access and use the Services, and our other products and offerings, and for other research and analytical purposes, such as to evaluate and improve our Services and business operations, to develop services and features, and for internal quality control and training purposes. • Customization and Personalization. To tailor content we may send or display on the Services, including to offer location customization and personalized help and instructions, and to otherwise personalize your experiences. • Marketing and Advertising. For marketing and advertising purposes. For example, to send you information about our Services, such as offers, promotions, newsletters and other marketing content, as well as any other information that you sign up to receive. We also may use certain information we collecttomanage and improve our advertising campaignsso that we can better reach people with relevant content. • Research and Surveys. To administersurveys and questionnaires,such as for market research or member satisfaction purposes. • Infrastructure. To maintain our facilities and infrastructure and undertake quality and safety assurance measures. • Security and Protection of Rights. To protect the Services and our business operations; to protect our rights or those of our stakeholders; to prevent and detect fraud, unauthorized activities and access, and other misuse; conductrisk and security control and monitoring; where we believe necessary, to investigate, prevent or take action regarding illegal activities, suspected fraud,situationsinvolving potential threatsto the safety or legalrights of any person or third party, or violations of our Terms of Use. • Compliance and Legal Process. To comply with the law and our legal obligations,to respond to legal process and related to legal proceedings. • General Business and Operational Support. To consider and implementmergers, acquisitions, reorganizations, bankruptcies, and other businesstransactions such as financings, and related to the administration of our general business, accounting, auditing, compliance,recordkeeping, and legal functions. • Business Transfers. To consider and implement mergers, acquisitions, reorganizations, and otherbusinesstransactions, and where necessary to the administration of our general business, accounting, recordkeeping, and legal functions. We retain the personal information we collect only as reasonably necessary for the purposes described above orotherwise disclosed to you atthe time of collection. For example, we willretain your account data for as long as you have an active account with us, as well as an additional period of time as necessary to protect, defend or establish our rights, defend against potential claims, comply with our legal obligations. 4. How We Disclose Personal Information We may disclose Personal Information for the following purposes:  Operating Services and Sites and Providing Related Support. To provide and operate our Services, communicate with you about your use of the Services, provide troubleshooting and sf-4098344 Effective:January 1, 2020; LastUpdated:January1, 2023 technical support, respond to your inquiries, fulfill your orders and requests, and for similar service and support purposes.  Business Transfers. If we or our affiliates are or may be acquired by, merged with, or invested in by another company, or if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected fromyou to the other company. As part of the businesstransfer process, we may share certain of your Personal Information with lenders, auditors, and third - party advisors, including attorneys and consultants.  In Response to Legal Process. We may disclose your Personal Information to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.  To Protect You, Us, and Others. We disclose your Personal Information when we believe it is appropriate to do so to investigate, prevent, ortake action regarding illegal activities,suspected fraud, situationsinvolving potential threatsto the safety of any person, violations of our Terms of Use or this Policy, or as evidence in litigation in which we are involved. We may disclose the Personal Information that we collect for the purposes described above with the following parties: • Vendors. We may disclose Personal Information we collect to our service providers or agents who performfunctions on our behalf. These may include, forexample, ITservice providers, help desk, payment processors, analytics providers, consultants, auditors, and legal counsel. • Our Affiliates.We may disclose Personal Information we collectto our affiliates orsubsidiaries. • Our Business Customers. Any Personal Information that we collect and process on behalf of a business client will be disclosed as directed by that business customer. • Third-Party Ad Networks and Providers. We may disclose Personal Information to third-party ad network providers, sponsors and/or traffic measurement services. These third parties may use cookies, JavaScript, web beacons (including clear GIFs), and other tracking technologiesto measure the effectiveness of their ads and to personalize advertising content to you. These third-party cookies and other technologies are governed by each third party's specific privacy policy, not this one. To exercise your choices about receiving third-party ads, see the “Ads and Tracking Choices” section below. • Governmentor Public Authorities. We may disclose Personal Information to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process, or governmental request, (b) to enforce our agreements, policies, and terms of service, (c) to protect the security or integrity of our Services, (d) to protect the property, rights, and safety of us, our users, or the public from harm or illegal activities,(e)to respond to an emergency which we believe in the good faith requires usto disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations. 

How We Use Cookies

We may use cookies and other tracking mechanisms to track your use of our Services. For more

information on the types of Personal Information we collectthrough these technologies, pleasesee

the section above titled “The Personal Information We Collect”. For resources and instructions on

how to disable tracking technologies, see the section below titled “Tracking and Advertising

sf-4098344 Effective:January 1, 2020; LastUpdated:January1, 2023e.

Tracking and Advertising Choices

If you wish to prevent cookies from tracking your activity on our websites or visits across multiple

websites,there are tools you can use to disable cookies and opt out of interest-based advertising.

Note, your opt out may not be effective if your browser is configured to reject cookies.

 Browser Solutions for Disabling Cookies. If you wish to prevent cookies from tracking your

activity on our website or visits across multiple websites, you can set your browser to block

certain cookies or notify you when a cookie is set. The Help portion of the toolbar on most

browsers will tell you how to prevent your device fromaccepting new cookies, how to have the

browser notify you when you receive a new cookie, or how to disable cookies altogether.

Visitorsto our Services who disable cookies will be able to browse the Site, but some features

may not function.

Changes to this Notice

We may change or update this Notice from time to time. When we do, we will post the revised

State Notice of Privacy Practices on this page with a new “Last Updated” date.

Questions & ContactUs

If you have questions about our privacy policy, you may contact us at LoriDoran.ins by

mail at: 4521 West Carol Ave, Glendale Arizona 85302