Privacy Policy

Privacy Policy

At Refferr, we are dedicated to protecting your privacy and safeguarding your protected health information (PHI). This Privacy Policy outlines how we collect, use, and protect your personal and health information when you use our digital health savings platform.

Information We Collect

We collect several categories of information to provide our health savings services:

Personal Information

- Name, email address, phone number, and date of birth

- Social Security number (for tax reporting purposes)

- Banking and payment information

- Employment information relevant to health savings accounts (HSA)

Health-Related Information

- Health savings account transaction history

- Healthcare provider payment details

- Qualified medical expense documentation

- Healthcare benefit enrollment information

Technical Data

- Device information and IP addresses

- Browser types and app usage statistics

- Login times and session duration

- Geographic location (for security purposes)

How We Use Your Information

Your information is used to:

- Manage your health savings account

- Process qualified medical expense payments

- Verify eligibility for health savings programs

- Generate tax documents and financial reports

- Send account notifications and updates

- Improve our platform and user experience

- Prevent fraud and unauthorized access

- Comply with HIPAA and other healthcare regulations

Sharing Your Information

Refferr shares information only as necessary and permitted by law:

Healthcare Partners

- Healthcare providers for payment processing

- Insurance companies for verification purposes

- Third-party administrators of health benefits

Service Providers

- Banking partners for financial transactions

- Cloud storage providers

- Security and fraud prevention services

All our partners are required to maintain HIPAA compliance and sign Business Associate Agreements when applicable.

Data Security

We implement robust security measures including:

- HIPAA-compliant encryption standards

- Multi-factor authentication

- Regular security audits

- Employee training on PHI handling

- Secure data centers

- Incident response protocols

Your Rights

Under HIPAA and other applicable laws, you have the right to:

- Access your personal and health information

- Request corrections to your records

- Receive an accounting of disclosures

- Request restrictions on information sharing

- Obtain a copy of your records

- File a complaint about privacy practices

Special Protections for Health Information

As a health savings platform, we adhere to strict HIPAA guidelines:

- Minimum necessary disclosure principle

- Required authorization for non-standard uses

- Breach notification procedures

- Record retention requirements

- Privacy officer designation

- Regular compliance assessments

Changes to this Policy

This Privacy Policy may be updated to reflect changes in our services, legal requirements, or HIPAA regulations. Significant updates will be communicated via email or within the platform.

Contact Us

For privacy-related questions or concerns:

- Email: privacy@refferr.com

- Phone: +91-7000421795