Privacy Policy

Last Updated: March 11, 2024

WE WILL POST ANY CHANGES TO THIS PRIVACY POLICY IN A NOTICE OF THE CHANGE AT THE BOTTOM OF OUR WEB PAGE WITH A HYPERLINK THERETO. PLEASE REGULARLY REVIEW THIS PRIVACY POLICY. NOTWITHSTANDING IF YOU CONTINUE TO USE OUR SERVICES, YOU ARE BOUND BY ANY CHANGES THAT WE MAKE TO THIS PRIVACY POLICY.

  1. INTRODUCTION

    Humbi LLC (“Humbi,” “we,” “us,” or “our”) respects the privacy of its Users (“User,” “your,” or “you”). This Privacy Policy (the “Privacy Policy”) explains how we collect, use, disclose, and safeguard your information when you use Humbi Platform (the “Platform”) through Humbi’s website at www.humbi.ai(the “Website”). Humbi is in the business of providing actuarial intelligence in the healthcare industry.

    Humbi is committed to protecting the privacy of its Users whose information is collected and stored while using Humbi’s Platform through our Website. This Privacy Policy is applicable to our Website, Platform and all applications offered for sale to the public.

    The capitalized have the same meaning as ascribed in our Terms of Use or Terms of Service as applicable, unless otherwise noted here.

    PLEASE READ THIS PRIVACY POLICY CAREFULLY TO UNDERSTAND OUR POLICIES AND PRACTICES REGARDING YOUR INFORMATION AND HOW WE WILL TREAT IT. BY ACCESSING OR USING OUR WEBSITE AND PLATFORM, YOU AGREE TO ACCEPT ALL THE TERMS CONTAINED IN THIS PRIVACY POLICY AND ACKNOWLEDGE AND AGREE WITH THE PRACTICES DESCRIBED HEREIN. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS AND USE OUR WEBSITE AND PLATFORM.

    IF YOU HAVE ANY QUESTIONS REGARDING THIS PRIVACY POLICY, PLEASE SEND US AN EMAIL AT INFO@HUMBI.AI.

    WE DO NOT SELL YOUR PERSONAL INFORMATION, NOR DO WE INTEND TO DO SO. WE DO NOT GIVE ACCESS TO YOUR PERSONAL INFORMATION TO THIRD PARTIES EXCEPT TO SUBPROCESSORS TO ASSIST US IN THE PROVISION OF OUR SERVICES TO YOU.

  2. TERRITORIAL RESTRICTION

    Our Website, App, and Platform are only available for use and download outside the European Union. Our Website, App, and Platform are not available for use or download by residents of, visitors to, or your employees who reside in the European Union (collectively a “European”). If you are a European, please do not download, register, and/or use our Website, App, or Platform. If you are a resident of the United States (“US”), the laws of the State of Delaware, United States shall apply. If you are a resident of any other country, please ensure compliance with all local laws prior to using our Website, App, or Platform. You must comply with this Privacy Policy and our Terms of Use and Terms of Service, as applicable.

    If you have any questions regarding this Section, please email us at info@humbi.ai.

  3. WHAT INFORMATION DO WE COLLECT?

    When you register to use our Website or Platform, we collect personal information (also referred to as personally identifiable information or “PII”) which may include your name, address, online contact information such as your email address or username, phone number, and other personal information. The information so collected will be stored on our servers. You are able to change your personal information via email by contacting us at info@humbi.ai or through your profile or account settings on our Website or Platform.

    1. Geolocation and Equipment Information. We may collect information that does not personally identify you such as (i) your geolocation, and (ii) information about your internet connection, the equipment you use to access our Website or Platform, and usage details.
  4. HOW DO WE COLLECT INFORMATION?

    We collect personal information from you in the following ways:

    1. At registration on our Website or Platform;
    2. In email, text, and other electronic messages between you and our Website or Platform;
    3. Through mobile and desktop applications your downloads from our Website or Platform, which provides dedicated non-browser based interaction between you and our Website or Platform;
    4. When you interact with our advertising and applications on third-party website and services, if those applications or advertising include a link to this Privacy Policy;
    5. From forms filled out by you;
    6. From records or copies of correspondences (including email addresses) if you contact us;
    7. From search queries on our Website or Platform; and
    8. When you post information to be published or displayed on our Website or Platform.

    We collect information from you automatically when you navigate through our Website or Platform in the following ways:

    1. Usage details;
    2. IP addresses;
    3. Information obtained through browser cookies;
    4. Information obtained through flash cookies;
    5. Web beacons on our Website;
    6. Web beacons on emails sent by us; and
    7. Other tracking technologies.
  5. HOW DO WE USE YOUR INFORMATION

    We use the information that you provide to

    1. Personalize your experience in using our Platform;
    2. Provide you with information, products, or services requested from us;
    3. Present our Website and Platform and their contents to you;
    4. Provide you with notices about account and/or subscription, including expiration and renewal notices;
    5. Carry out obligations and enforce rights arising from contracts entered into between you and us, including billing and collection;
    6. Notify you about changes to our Website and Platform and any products or services;
    7. Allow you to participate in interactive features on our Website and Platform;
    8. Improve the Website and Platform;
    9. Improve our customer service;
    10. Administer contests, promotions, and surveys or other Website and Platform features;
    11. Process transactions;
    12. Anonymize data and aggregate data for statistics;
    13. Contact you for other purposes with your consent;
    14. Contact you about our products and services that may be of interest;
    15. Contact you about third parties’ goods and services;
    16. Enable the display of advertisements to our advertisers’ target audiences, although personal information is not shared with advertisers without your consent; and
    17. Send you periodic emails, in accordance with the CAN-SPAM Act of 2003 as detailed in Section 14, via the email address provided by you to (i) send information, respond to inquiries, and/or other requests or questions; (ii) process orders and send information and updates pertaining to such orders; (iii) send additional information related to your product and/or service; and (iv) market to our mailing list or continue to send email to you after the original transaction has occurred.
  6. OUR COOKIE POLICY

    Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this Privacy Policy, we refer to all of these technologies as “Cookies.”

    We use Cookies on our Website to (a) help remember and process items in the shopping cart, (b) understand and save your preferences for future visits, (c) keep track of advertisements, (d) compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future, and (e) allow trusted third-party services that track this information on our behalf. You can set your browser to refuse all or some browser Cookies, but it may affect your user experience. We honor Do Not Track signals and, if one is in place, we will not track, plant cookies, or use advertising.

    We allow third party behavioral tracking and links to third-party web pages. Occasionally, at our discretion, we may include or offer third-party products or services on our Website or Platform. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Website or Platform and welcome any feedback at about these sites. Please contact us at info@humbi.ai.

  7. HOW DO WE PROTECT INFORMATION WE COLLECT?

    Our Website is reasonably scanned to meet or exceed PCI Compliance. Our Website receives regular security scans and penetration tests. Our Website also receives regular malware scans. In addition, our Website and App use an SSL certificate as an added security measure. We require username and passwords for our employees who can access your personal information that we store and/or process on our Platform and servers. In addition, we actively prevent third parties from getting access to your personal information that we store and/or process on our Platform and servers. We accept payment by credit card through a third party credit card processor on our behalf. We will implement reasonable security measures every time you (a) place an order, or (b) enter, submit, or access your information, (c) register, or (d) access our Platform, on our Website.

  8. DATA SECURITY MEASURES
    1. Security Measures: We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website or Platform, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website or Platform. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our Website or Platform.
    2. Fair Information Practice Principles: In the event of a personal data breach, we will notify you within seventy-two (72) hours via (i) email and/or (ii) our Platform notification system on our Website/ We agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
    3. Open-Source Software: We use the following open-source software in the provision of our Services, which can be found here.
  9. DISCLOSURE OF PERSONAL INFORMATION

    There are times when we may share Personal Information that you have shared with us may be shared by Humbi with others to enable us to provide you over Services, including contractors, service providers, and third parties (“Partners”). This section discusses only how Humbi may share such information with Partners. We will ensure that our Partners protect your Personal Information. The following describe how and with whom we may share your Personal Information:

    Disclosure of Personal Information.

    1. We may disclose aggregated, de-personalized information about you that does not identify any individual to other parties without restriction, such as for marketing, advertising, or other uses.
    2. We may disclose personal information to our subsidiaries and affiliates.
    3. We may disclose personal information to contractors, services providers, and other third parties.
    4. We require all contractors, service providers, and other third parties to whom we disclose your personal information to be under contractual obligations to keep personal information confidential and to use it only for the purposes for which we disclose them.
    5. We may disclose personal information in the event of a merger, sale of business, etc.
    6. We may disclose to third parties to market their products and services to you if you have either consented or not opted out of these disclosures.
    7. We may disclose personal information to third parties to market their products and services if you have either consented or not opted out of these disclosures.
    8. We require all other Partners, to whom we disclose your personal information, to enter into contracts with us to keep personal information confidential and use it only for the purposes for which we disclose it to such Partners.
    9. We disclose personal information to fulfill the purpose for which you have provided it, for instance, if you gave us an email address to use the “email a friend” feature of the Platform.
    10. We may disclose personal information for any other purpose for which you have provided it.
    11. We may only disclose personal information as described in this Privacy Policy or your consent.

    Other Disclosure of Personal Information.

    1. We will disclose personal information (i) to comply with any court order, law, or legal process, including to respond to any government or regulatory request, (ii) to enforce or apply our Terms of Use or Terms of Service and other agreements, including for billing and collection purposes, (iii) if we believe it is necessary or appropriate to protect the rights, property, or safety of Humbi, our customers or others, and/or (iv) if it is necessary or appropriate to protect the rights, property, or safety of Humbi, our customers, or others, and this includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

    Third Party Disclosure.

    1. We do not sell, trade, rent, or otherwise transfer personal information to others, unless we provide you with advance notice. This does not include our hosting partners and other parties who assist us in operating our Website or Platform, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.
    2. We do not provide non-personally identifiable visitor information for marketing purposes.

    Choices Users Have About How Humbi Uses and Discloses Information.

    1. Tracking Technologies and Advertising. You can set their browser to refuse some or all the browser cookies, but if youdisable or refuse cookies, some parts of our Website may not be accessible or function properly.
    2. Disclosure of Users’ Information for Third-Party Advertising. Users can opt-out by (i) checking the relevant form when we collect the data; (ii) logging into the Website or Platform and adjusting their preferences in their account profile by checking or unchecking the relevant boxes, or (iii) emailing us their opt-out request at info@humbi.ai. Users receiving promotional email can opt-out by sending a return email requesting to be omitted from future promotional email distributions. This opt-out will not apply to information provided by Humbi for product purchases, warranty registration, or other transactions.
    3. Disclosure of User’s Information for Targeted Advertising. Users can opt-out by (i) checking the relevant form when we collect the data, (ii) logging into the Website or Platform and adjusting their preferences in their account profile by checking or unchecking the relevant boxes, or (iii) emailing us their opt-out request at info@humbi.ai.
  10. GOOGLE ADSENSE AND GOOGLE ANALYTICS

    Google, as a third-party vendor, uses Cookies to serve advertisements to Users on our Website and Platform. Google uses first-party Cookies, such as Google Analytics Cookies, to compile data regarding User interactions with ad impressions and other ad service functions as they relate to our Platform. We currently use Google Analytics to collect and process certain Website usage data. You can choose to disable cookies through your individual browser options. To learn more about Google Analytics and how to opt-out, please visit www.policies.google.com/privacy/google-partners.

    We use these Cookies to compile data regarding User interactions with ad impressions and other ad service functions as they relate to our Website.

  11. YOUR CALIFORNIA PRIVACY RIGHTS

    Humbi does not sell, trade, or otherwise transfer to outside third parties your "Personal Information" as the term is defined under the California Civil Code Section § 1798.82(h). Additionally, California Civil Code Section § 1798.83 permits Users of our Website or Platform that are California residents to request certain information regarding our disclosure of their Personal Information to third parties for their direct marketing purposes. To make a request for such disclosure, or identification and/or deletion of Personal Information in all our systems that we store on you, please send an email to info@humbi.ai.

    Note that (i) if we delete your Personal Information as requested, we will no longer be able to provide our services to you and (ii) we may need to keep such Personal Information for a while during the shutting down and billing process. If you would like to discuss our Personal Information storage and processing process with us, please send us an email at info@humbi.ai.

  12. CALIFORNIA CONSUMER PRIVACY ACT

    This Section supplements the information contained in our Privacy Policy above and applies solely to all visitors, users, and others to our Website or Platform, who reside in the State of California (“consumers” or “you”). We adopt this Section to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this Section.

    1. Right to Request Personal Information: Upon request, we will provide you with (i) a list of all Personal Information that we have collected on you, (ii) from whom we obtained such Personal Information, (iii) the reason why we collected such Personal Information, and (iv) with whom (if any) we have shared such Personal Information. If we sell your Personal Information or disclose your Personal Information to third parties, upon request, we will provide you with (i) a list of the Personal Information that we have collected on you, (ii) a list of the Personal Information that we sell or disclose to others on you, and (iii) to whom we have sold or disclosed your Personal Information. A consumer can make such a request only twice in a 12-month period.

    We require such Personal Information to be able to provide to you our Services.

    Unless otherwise specified, we only collect Personal Information from you. We do not use others to provide us with your Personal Information.

    1. Disclosure of Personal Information: We only share your Personal Information with service providers, e.g., billing and collection agents, who enable us to provide our Services to you. We do not sell or give your Personal Information to third parties for purposes unrelated to our provision of Services to you.
    2. Right to have Personal Information Deleted: Upon request, we will delete all of your Personal Information that we have collected on you and will direct our Service Providers to also delete all of your Personal Information. But note that if we do delete all of this Personal Information, you will no longer be able to use our Services.
    3. Non-Discrimination Right: We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
      1. Deny you goods or services.
      2. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
      3. Provide you a different level or quality of goods or services.
      4. Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
    4. Financial Incentives: However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
    5. Contact Information: You may contact us (i) at info@humbi.ai to (i) make a Personal Information Request, (ii) lodge a complaint about our use or storage of your Personal Information, (iii) ask us to delete such Personal Information, and/or (iv) discuss our Privacy Policy and/or anything that has to do with it. We will respond within forty-five (45) days of receiving such request or query. Additionally, in order for us to respond to your request or query, we will need to collect information from the requesting party to verify their identity.
    6. Under 16: We will not sell your Personal Information if you are under the age of 16 unless we have the consent of your parent or your guardian nor will we sell it if you ask us not to do so.
    7. Opt Out Right: Upon your request, we will stop selling your Personal Information (sometimes called your Opt Out Right). You may send the request to Opt Out (i) to info@humbi.ai.
    8. Personal Information that We Store: For your information, we store/collect the following Personal Information on you:
      1. Name
      2. Business Address
      3. Business Email Address
      4. Business Telephone Number
      5. IP Address
      6. Business Title
      7. Employer
  13. COPPA COMPLIANCE (FOR CHILDREN UNDER 13 USERS ONLY)

    The Children’s Online Privacy Protection Act (“COPPA”) is a federal legislation that applies to entities that collect and store “Personal Information,” as the term is defined under COPPA, from children under the age of 13. We are committed to ensure compliance with COPPA. Our Website and Platform are not meant for use by children under the age of 13. Our Website and Platform do not target children under the age of 13, but we do not age-screen or otherwise prevent the collection, use, and personal disclosure of persons identified as under 13. If you would like to know more about our practices and specifically our practices in relation to COPPA compliance, please email us at info@humbi.ai.

    IF YOU ARE UNDER 13, PLEASE DO NOT ACCESS OR USE OUR WEBSITE OR PLATFORM.

  14. CAN-SPAM ACT OF 2003

    The CAN-SPAM Act establishes requirements for commercial messages, gives recipients the right to have businesses stop emailing them, and spells out penalties for violations. Per the CAN-SPAM Act, we will:

    1. not use false or misleading subjects or email addresses;
    2. identify the email message as an advertisement in some reasonable way;
    3. include the physical address of Humbi, which is 405 Waterton Ct., Brentwood, Tennessee 37027
    4. monitor third-party email marketing services for compliance, if one is used;
    5. honor opt-out/unsubscribe requests quickly; and
    6. give an “opt-out” or “unsubscribe” option.

    If you wish to opt out of email marketing, follow the instructions at the bottom of each email or contact us at info@humbi.ai and we will promptly remove you from all future marketing correspondences.

  15. MODIFICATIONS TO OUR PRIVACY POLICY

    We will post any changes to this Privacy Policy in a notice of the change at the bottom of our web page with a hyperlink thereto. We will also send you an email describing such changes. Please regularly review this Privacy Policy. Notwithstanding if you continue to use our services, you are bound by any changes that we make to this Privacy Policy.

  16. LIST OF THIRD-PARTY SERVICE PROVIDERS

    Humbi uses the following third-party service providers for the provision of services as detailed under the Terms of Use or Terms of Service, as applicable.

    Name of Third-Party Service Provider Contact Information
    Amazon Web Services Inc. (North Virginia, US) Website: www.aws.amazon.com/premiumsupport/knowledge-center/aws-phone-support/
    Address: 410 Terry Avenue North, Seattle, WA 98109-5210

    Additionally, if you have any questions or concerns about our third-party service providers, please email us at info@humbi.ai.

  17. COPYRIGHT INFRINGEMENT/DMCA NOTICE

    If you believe that any content on our Website or Platform violates your copyright, and you wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to the Digital Millennium Copyright Act of 1998 (“DMCA Takedown Notice”)) must be provided to our designated Copyright Agent.

    1. Your physical or electronic signature;
    2. Identification of the copyrighted work(s) that you claim to have been infringed;
    3. Identification of the material on our Website or Platform that you claim is infringing and that you request us to remove;
    4. Sufficient information to permit us to locate such material;
    5. Your address, telephone number, and email address;
    6. A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
    7. A statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

    Humbi’s Copyright Agent to receive DMCA Takedown Notices is Puneet Budhiraja, at puneet@humbi.ai and at Humbi, Attn: DMCA Notice, 405 Waterton Ct Brentwood TN 37027. You acknowledge that for us to be authorized to take down any content, your DMCA Takedown Notice must comply with all the requirements of this Section. Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by Humbi in connection with the written notification and allegation of copyright infringement.

  18. ANTI-BRIBERY COMPLIANCE

    Humbi represents and warrants that it is fully aware of and will comply with, and in the performance of its obligations hereunder will not take any action or omit to take any action that would cause it or its customers to be in violation of, (i) U.S. Foreign Corrupt Practices Act, (ii) U.K. Anti-Bribery Act, (iii) India Prevention of Corruption Act of 1988, or (iv) any other applicable anti-bribery statutes and regulations, and (v) any regulations promulgated under any such laws. Company represents and warrants that neither it nor any of its employees, officers, or directors is an official or employee of any government (or any department, agency or instrumentality of any government), political party, state owned enterprise or a public international organization such as the United Nations, or a representative or any such person (each, an “Official”). Company further represents and warrants that, to its knowledge, neither it nor any of the Supplier Personnel has offered, promised, made or authorized to be made, or provided any contribution, thing of value or gift, or any other type of payment to, or for the private use of, directly or indirectly, any Official for the purpose of influencing or inducing any act or decision of the Official to secure an improper advantage in connection with, or in any way relating to, (A) any government authorization or approval involving Humbi, or (B) the obtaining or retention of business by Humbi. Supplier further represents and warrants that it will not in the future offer, promise, make or otherwise allow to be made or provide any payment and that it will take all lawful and necessary actions to ensure that no payment is promised, made or provided in the future by any of the Supplier Personnel.

  19. CONTACT US

    To ask questions or comment about this Privacy Policy and our privacy practices, contact us at:

    Privacy Officer

    Email: info@humbi.ai

    Address: HUMBI, 405 Waterton Ct Brentwood, TN 37027

    PLEASE NOTE: IF YOU USE OUR WEBSITE OR PLATFORM, YOU HAVE AGREED TO AND ACCEPTED THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY AND THE TERMS AND CONDITIONS SET FORTH IN OUR TERMS OF USE OR OUR TERMS OF SERVICE, AS APPLICABLE. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY OR OUR TERMS OF SERVICE, PLEASE DO NOT USE OUR WEBSITE OR PLATFORM.