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Since 2009, Optimum Consulting Associates has successfully administered thousands of Independent Medical Exams for all of their clients. Our understanding of the claims and risk management industries is rooted in the fact that the principal owners have over 90 years of insurance claims handling themselves. They were in the trenches just as their core clients are now. They and their team understand those needs.
In this day and age, transparency is the most important core value a company can have. OCA believes strongly in this mantra. Wether its pricing, data, technical and statutory expertise, OCA team members strive for complete transparency and trust when working with our customers. It's the backbone of how we do business day to day.
We work with a large number of clients from various industries nationally, including:
Our customer service teams are ready assist you with any of the services that we offer in a professional and efficient manor
We refer to the above websites and all related websites and applications as “sites” and to each of them as a “site.” When we refer to “we,” “us,” or “our,” we mean OCA, or the specific division, subsidiary, or affiliate that operates a site, provides its content, or processes information received through it, each as appropriate and applicable. When we refer to “you” or “your,” we mean the person accessing the site. If the person accessing the site does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.
We collect your business contact information, such as your full name and your business name, email address, telephone number, address and other work-related information you provide to us in the course of providing our Services to you or your organization.
We take your privacy and the protection of your personal information seriously. We will only store, process and disclose your personal information in accordance with applicable law. We will make it clear when we collect personal information and will explain what we intend to do with it. We do our best to protect your privacy through the appropriate use of information security measures.
The information we collect
OCA may collect personal information about you either directly from you, your Connected Device, and from select external sources.
The following categories of personal information are provided to help you better understand the information we may collect directly from you, either through your use of the sites (including from your mobile and/or other Internet connected devices (“Connected Device”)) or in the course of us providing our Services from our customers and service providers.
We may collect, use, store and process different kinds of personal information about you, which we have grouped into the following categories:
Information that we receive from select external partners
We may receive information about you from our customers, if, as an example, your employer utilizes our Services. We may also utilize select and vetted service providers that give us information about you relevant to our Services.
We may receive information about you when you access our sites through external platforms, such as Facebook. If you use our sites on or through an external platform, including via your Connected Device, or click on external links, the collection, use, and disclosure of your information and your use of the sites will also be subject to the privacy policies and other terms of such external parties and platforms. You should review such privacy policies, terms and other agreements.
Collection of technical information and usage information
When you access OCA’s sites, we automatically collect certain information. This information may include without limitation: (a) technical information about your Connected Device, such as your IP address, geolocation information, device type, operating system type and version, unique device ID, browser, browser language, domain and other systems information or platform types (collectively “Technical Information”); and (b) usage statistics about your interaction with OCA’s sites, including pages accessed, referring website address(es) time spent on pages, pages visited, search queries, click data, date and time and other information regarding your use of OCA’s sites (collectively “Usage Information”).
How OCA uses your information
OCA may use information about you for several purposes, including:
Services we provide
Communicating with customers about our services
Protecting our services and maintaining a trusted environment
If we obtain any personal information from you we will not sell it to third parties, nor will we allow service providers with whom we share your personal information to sell it.
When and with whom do we share your information
We do not sell your information
We do not sell your personal information nor the personal information of minors under sixteen (16) years of age to third parties.
When and how we may share/disclose your information with our service providers and customers
We require all service providers to respect the security of your personal information. We do not allow our service providers to sell personal information or to use your personal information for their own purposes. All of our service providers are only permitted to process your personal information in accordance with our instructions and solely for the reasons for which we disclosed it to them.
Disclosure of information for legal purposes
OCA may disclose all or part of your personal information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating any agreement with OCA, or may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of our sites, or anyone else that could be harmed by such activities. We may disclose information in response to a subpoena, search warrant, in connection with judicial proceedings, or pursuant to court orders, legal process or other law enforcement measures. OCA may disclose or access personal information when we believe in good faith that the law requires it, to establish our legal rights or to defend against legal claims, and for administrative and other purposes that we deem necessary to maintain, service and improve our Services.
Like many online platforms, OCA and its analytics vendors use server logs and automated data collection tools, such as browser cookies, pixel tags, scripts and web beacons. These tools are used for analytics purposes to enable OCA to understand how users interact with the sites and Services. OCA and its analytics vendors may tie the information gathered by these means to the identity of users.
Cookies are small text files placed on a computer or device while browsing the Internet. Cookies are used to collect, store and share bits of information about user activities. OCA uses both session cookies and persistent cookies.
Session cookies are used to identify a particular visit to OCA’s sites and collect information about your interaction with the sites. These cookies expire after a short time or when the user closes their web browser after using the sites. OCA uses these cookies to identify a user during a single browsing session, such as when you log into the sites. This helps OCA improve the sites and Services as well as improve the users’ browsing experience.
A persistent cookie will remain on a user’s device for a set period of time specified in the cookie. OCA uses these cookies to identify and recognize a specific user over a longer period of time. They allow OCA to:
Examples of persistent cookies include: (i) preferences cookies to remember information about a user’s browser and settings preferences, such as preferred language – preference cookies make a user’s experience more functional and customized, (ii) authentication and security cookies to enable a user to log in or stay logged in to access the sites and Services, to protect user accounts against fraudulent log-ins by others and to help detect and protect against abuse or unauthorized usage of user accounts and (iii) functional cookies to make the experience of using the sites and Services better, like remembering the sound volume level selected by the user.
OCA uses tracking technology to: (i) determine if a certain page was visited or whether an email sent by OCA was opened or clicked on by a user; and (ii) to customize the experience of individual users by recommending specific content.
We also use clear gifs in HTML-based emails sent to our users to track which emails are opened and clicked on by recipients. We may use the information we obtain from the cookie in the administration of the sites, to improve the usability of the sites and for marketing purposes. We may also use that information to recognize your computer when you visit our sites, and to personalize our sites for you.
Cookies and information captured through our sites are stored for a certain retention period, however you can eliminate these cookies any time before the expiration date. Below is our Table of Cookies.
How to restrict cookies
You can adjust the settings in your browser in order to restrict or block cookies that are set by the sites (or any other website on the Internet). Your browser may include information on how to adjust your settings. Alternatively, you may visit www.allaboutcookies.org to obtain comprehensive general information about cookies and how to adjust the cookie settings on various browsers. This site also explains how to delete cookies from your computer.
You can control and delete these cookies through your browser settings through the following:
We may collect information from other sources, such as social media platforms that may share information about how you interact with our social media content. We do not control how your personal information is collected, stored or used by third-party websites or to whom those websites disclose your information. You should review the privacy policies and settings on any social media website that you subscribe to so that you understand the information they collect and may be sharing. If you do not want your social media websites to share information about you, you must contact that website and determine whether it gives you the opportunity to opt-out of sharing such information. OCA is not responsible for how these third-party websites may use information collected from or about you.
How long we retain your information
We generally retain your information as long as reasonably necessary to provide you the Services or to comply with applicable law and in accordance with our document retention policy. To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means and the applicable legal requirements. We may retain copies of information about you and any transactions or Services you have used for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce other applicable agreements or policies or to take any other actions consistent with applicable law.
In some circumstances we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you. This allows the specific information collected (name, email, address, phone number, etc.) to become anonymous, but allows OCA to keep the transaction or engagement data. For example, OCA will not be able to tell if John Smith registered for an event, but we will be able to tell that a person registered for an event and maintain headcount and transactional history. This will allow OCA to maintain a level of information that helps us develop and improve our sites and Services.
Marketing and promotional communications
You may opt-out of receiving marketing and promotional messages from OCA, if those messages are powered by OCA, by following the instructions in those messages. If you decide to opt-out, you will still receive non-promotional communications relevant to your use of our Services.
Children’s Online Privacy Protection Act (COPPA) compliance and related information
The Children’s Online Privacy and Protection Act (COPPA) regulates online collection of information from persons under the age of 13. It is our policy to refrain from knowingly collecting or maintaining personal information relating to any person under the age of 18. If you are under the age of 18, please do not supply any personal information through the sites. If you are under the age of 18 and have already provided personal information through the sites, please have your parent or guardian contact us immediately using the information provided under Contact Us so that we can remove such information from our files.
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. We hold information about you both at our own premises and with the assistance of service providers. Further public disclosure here of our security measures could aid those who might attempt to circumvent those security measures. If you have additional questions regarding security, please feel free to contact us directly using the information provided under Contact Us . To ensure that our employees comply with our privacy policies, we have developed a training program that provides all employees with the tools and knowledge to protect your personal information in all aspects of their work. Any employee who violates our privacy policies is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.
The California Consumer Privacy Act (“CCPA”) permits residents of California to have the following additional rights. For more information, or if you have questions, you can contact us using the information provided under Contact Us . For your protection, before OCA can respond to your request, OCA may be required to collect certain information from you to verify your identity. This may include asking for your full name, aliases, current home addresses or alternative e-mail address. The information you provide to verify your identity will only be used for verification purposes, and a record of your request, including certain information contained within it, will be maintained by OCA for its files.
California residents have the right to request OCA disclose what information it collects, uses, and discloses
California residents have the right to request that OCA disclose what personal information OCA collects, uses and discloses about them. The general categories of personal information OCA collects about California residents are listed above under What Information We Collect. If you are a California resident and would like to request the specific personal information that OCA collects, uses and discloses about you, please complete this Request Form and send it to OCA using the information provided under Contact Us or contact OCA at the toll-free number provided in this Policy.
California residents have the right to request the deletion of their personal information maintained by OCA
California residents have the right to request that OCA delete the personal information OCA maintains about them. OCA will make every effort to comply with California residents’ requests to delete their personal information, however, certain laws or other legal requirements might prevent some personal information from being deleted. If you are a California resident and would like to request the deletion of your personal information, please complete this Request Form and send it to OCA using the information provided under Contact Us or contact OCA at the toll-free number provided in this Policy. To verify any request to delete personal information, you will be required to provide the information contained in the Request Form. Failure to do so could result in OCA’s inability to comply with your request.
California residents have the right to non-discrimination for the exercise of their privacy rights under the CCPA
Under the CCPA, California residents have the right not to receive discriminatory treatment by OCA for the exercise of their privacy rights. However, the exercise of certain privacy rights by California residents will make it so that OCA is no longer able to provide those residents with certain services. For example, if, at the request of a California resident, OCA deletes all of the California resident’s personal information that it maintains, OCA will no longer be able to send marketing communications to that California resident.
California residents have the right to opt-out of the sale of the personal information
Under the CCPA, California residents can request that a company stop selling their personal information. However, as described above, OCA does not sell your personal information.
California residents can designate an authorized agent to make a request under the CCPA on their behalf
California residents can designate an authorized agent to make requests under the CCPA related to the residents’ personal information. OCA can deny any request made by an agent who does not submit proof that he or she has been authorized by the California resident to act on the California resident’s behalf. For more information on submitting a request on behalf of a California resident as an authorized agent, you can contact us using the information provided under Contact Us.
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