Washington Consumer Health Data Privacy Policy

1. Introduction

The Washington My Health My Data Act ("MHMDA") provides Washington consumers with certain rights regarding the collection, use, and sharing of their consumer health data. This Washington Consumer Health Data Privacy Policy supplements our main Privacy Policy and describes the practices of UnitedBestProviders.com ("UnitedBestProviders," "we," "us," or "our") specifically with respect to the collection, use, sharing, and protection of consumer health data from Washington consumers.

UnitedBestProviders is a personal loan comparison website that helps consumers find and compare personal loan products from a network of lending partners. This policy applies to Washington residents whose consumer health data we may collect or process in the course of providing our services.

2. Definitions

Consumer health data means personal information that is linked or reasonably linkable to a Washington consumer and that identifies the consumer's past, present, or future physical or mental health status. This may include, but is not limited to, information related to health conditions, treatments, diagnoses, or data that identifies a consumer seeking health-related financial services.

Exclusions

Consumer health data does not include:

• Publicly available information lawfully made available from federal, state, or local government records;
• Deidentified data that cannot reasonably be used to identify an individual;
• Data covered by the Health Insurance Portability and Accountability Act (HIPAA);
• Data regulated under the Fair Credit Reporting Act (FCRA) or the Gramm-Leach-Bliley Act (GLBA).

3. Consumer Health Data Practices

A. Types of Consumer Health Data Collected

In the course of providing our personal loan comparison services, we may collect the following categories of consumer health data:

• Information related to health conditions, treatments, or diagnoses that a consumer voluntarily provides as part of a loan application or inquiry;
• Data that identifies a consumer as seeking financial services related to health-related expenses or needs.

B. Sources and Business Purposes

Consumer health data is collected directly from consumers when they apply for or inquire about personal loan products through our website. We collect and use this data for the following business purposes:

• Processing applications: To process, evaluate, and facilitate consumer loan applications and connect consumers with appropriate lending partners;
• Legal compliance: To comply with applicable federal, state, and local laws and regulations.

C. Sharing of Consumer Health Data

We may share consumer health data with our affiliates and lending partners for the purpose of providing loan quotes, processing loan applications, and delivering the financial services that consumers have requested through our platform. We do not sell consumer health data.

4. Your Privacy Rights

Under the MHMDA, Washington consumers have the following rights with respect to their consumer health data:

A. Right to Confirm and Access

You have the right to confirm whether we are collecting, sharing, or selling your consumer health data and to request access to the specific consumer health data we have collected about you.

B. Right to Delete

You have the right to request that we delete your consumer health data that we have collected about you. Upon receiving a verified deletion request, we will delete your consumer health data from our records and direct any affiliates, processors, or contractors that may have received the data to delete it as well.

C. Exceptions

We may deny or limit your request to delete consumer health data if retention is necessary for the following purposes:

• To ensure the security and integrity of our systems, data, and services;
• To detect, prevent, or prosecute illegal activity, fraud, or security incidents;
• To comply with legal obligations or valid legal processes.

D. How to Exercise Your Rights

To exercise any of the rights described above, please submit a request by contacting us at:

When submitting a request, we will undertake a verification process to confirm your identity before processing the request. This may require you to provide certain identifying information that matches the information we have on file. If we are unable to verify your identity, we may deny the request.

E. Response Timing

We will respond to verified consumer requests within 45 calendar days of receipt. If we require additional time, we may extend the response period by an additional 45 calendar days, provided we notify you of the extension and the reason for the delay within the initial 45-day period.

5. Changes to This Policy

We reserve the right to amend this Washington Consumer Health Data Privacy Policy at any time. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we are protecting your consumer health data.

6. Contact Us

If you have any questions, concerns, or requests regarding this Washington Consumer Health Data Privacy Policy or our consumer health data practices, please contact us at:

7. Appeal Process

If we deny your request to exercise any of the rights described in this policy, you have the right to appeal our decision. To submit an appeal, please email us at service@unitedbestproviders.com with the subject line "Appeal - Washington Consumer Health Data Request." Please include your original request details and the reason for your appeal. We will review your appeal and respond within a reasonable time frame in accordance with applicable law.