Insurer Privacy Policy

Thank you for using Lnkr. Your trust is important to us and we are committed to protecting the privacy and security of your organizational and member information. The information you shared with us helps us to provide a great experience with Lnkr services for your insurance operations and member management.

Overview

This Privacy Policy describes our privacy practices for all Services we offer worldwide to insurance companies and health plans. The term "Lnkr", "us" or "we" refer to Lnkr LLC and the term "Insurer", "Insurance Company", "Health Plan", "you", "yours" refer to your insurance organization as the institutional User of Lnkr's Services. This Privacy Policy, together with the Terms of Use, set forth the general rules and policies governing your organization's use of our platform. Depending on your activities when using our platform, you may be required to agree to additional terms and conditions.

Our Services

Our Services constitute a technology platform that allows insurance companies and health plans to manage multiple services during claims processing, member management, and provider network operations. Services include but are not limited to:

Claims processing and adjudication workflow management

Provider network management and credentialing systems

Member enrollment and eligibility verification services

Prior authorization and utilization management tools

Healthcare provider directory and network listing management

Member portal and communication platforms

Risk assessment and actuarial data analysis tools

Regulatory reporting and compliance monitoring systems

Integration with healthcare providers and medical facilities

Important Insurance Operations Responsibility


It is crucial to understand that your insurance organization is wholly and solely responsible for insurance coverage decisions, claims adjudication, and member benefit determinations. Maintaining proper underwriting standards, claims processing accuracy, and regulatory compliance is your organization's duty and obligation. Lnkr is a technology company. We simply aim to assist your insurance organization in managing operations and providing better service to your members and network providers. We do not -and do not intend- to make insurance coverage decisions or provide actuarial guidance.

Insurance Authorization Required


The Services are not intended for use by organizations that are not legally authorized to operate as insurance companies or health plans. By agreeing to these Terms, you represent and warrant to Lnkr that your organization is legally licensed to conduct insurance business and manage health plan operations in applicable jurisdictions. You agree that materials available through our Services are for operational and administrative purposes only, and do not act as a substitute for professional actuarial analysis or insurance industry expertise. The information and Services on this platform are provided to support insurance operations and should be used in conjunction with proper insurance protocols and regulatory requirements.

License

By using our Services, we hereby grant your insurance organization a limited, revocable, non-exclusive, non-sub licensable, right to: (i) access, upload and use our platform for the sole purpose of using our Services in your insurance operations; and (ii) access and use information and materials provided, made available or otherwise found on our Content.

This license is not intended to be sub-assigned, sold, rented, leased, exported, imported, distributed, transferred or otherwise granted to third parties outside of your authorized organizational users, nor is such license intended for commercial use beyond your insurance operations.

Subject to these Terms, your insurance organization is hereby granted a limited, revocable, non-exclusive right to use the content and materials on the application in the normal course of insurance operations. You may not use any third-party intellectual property without the express written permission of the applicable third party, except as permitted by law.

Prohibited Activities

Your insurance organization and its authorized users are prohibited from the following activities:

Probing, scanning, or testing the vulnerability of any system or network

Breaching or circumventing security or authentication measures

Accessing non-public areas of the Service

Interfering with or disrupting users, hosts, or networks

Planting malware or distributing malicious software

Sending unsolicited communications, promotions, or spam

Publishing fraudulent, misleading, or infringing content

Impersonating others or misrepresenting affiliations

Sharing unlawful, inappropriate, or hateful content

Using the platform for purposes other than legitimate insurance operations

Attempting to manipulate claims data or member information inappropriately

Organizational Registration and Access Management

In order to access the insurance features of the Services, your organization will need to register with Lnkr and create an organizational account through the online registration process. Your account gives your insurance organization access to the Services and functionality that we may establish and maintain from time to time and in our sole discretion.

Registration Requirements


In creating an organizational account, you must provide Lnkr with accurate and complete registration information about your insurance organization. You must promptly notify Lnkr if any of this information changes. Upon completing your organizational data registration, this means that you have an active organizational account on our platforms. To use our Services, you will need to sign an "Insurance Partner Agreement" and submit appropriate licenses, certifications, and regulatory authorizations proving your organization is duly authorized to operate as an insurance company or health plan.

Access Security and User Management


Your organization must maintain secure access credentials for all authorized users

Administrator passwords must be kept confidential at all times

Never respond to requests for passwords, especially from alleged Lnkr employees

Lnkr employees will never ask for your passwords

Your organization is responsible for all use of organizational accounts and user access

Multiple consecutive login failures may result in account suspension

You must manage and monitor all user access within your organization

Role-based access controls should be implemented based on job functions

You must notify Lnkr immediately if you believe your organizational account or any user credentials have been obtained or accessed by any unauthorized person or entity.

Third-Party Integrations

The platform may integrate with third-party systems including healthcare providers, pharmacy networks, claims clearinghouses, or other insurance technology services that are not owned or controlled by Lnkr. Lnkr has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party systems or services.

Important: If your organization integrates with third-party systems through Lnkr's platform, you do so at your own risk and must ensure compliance with all applicable insurance regulations and privacy laws. You expressly release Lnkr from any and all liability arising out of your use of any third-party integrations or services.

Organizational Data and Member Information

By using our Services, your organization provides us with information, files, and data that you submit to Lnkr (together, "your organizational profile" and "organizational data"), including member information and claims data.

Data Usage Rights


By uploading, storing or transmitting any content through the platform, your organization grants Lnkr the necessary rights to process, store, and manage such data to provide the contracted services. All member health information and claims data remains subject to applicable privacy regulations including HIPAA and state insurance privacy laws.

Insurance Data Management Agreement


You understand and agree that the relationship between your organization and Lnkr includes data management services to gather, process, secure, and manage insurance and member information in compliance with applicable regulations. Your organization has provided this data to Lnkr for the purpose of delivering contracted insurance technology services.

Important Notes


Your organization retains ownership of all organizational and member data

Data retention policies will be governed by your organizational agreement

You are responsible for ensuring authorized personnel access to sensitive data

Your organization must maintain compliance with all insurance and privacy regulations

Claims data and member information require special handling and protection

Data backup and disaster recovery procedures are part of service agreements

Key Organizational Responsibilities

Data Accuracy and Regulatory Compliance

Your organizational data, licenses, and regulatory authorizations must be accurate, complete and updated at all times. Your organization must maintain compliance with all applicable insurance regulations, state laws, and federal requirements. Failing to do so, you acknowledge that Lnkr has the right to suspend or terminate your use of the Services.

Account Security and User Management

Your organization must maintain secure access controls and user management policies
You are responsible for all activities performed by your authorized users
You must immediately report any suspected security breaches or unauthorized access
Organizational accounts cannot be transferred to other companies without proper authorization
Regular security audits and access reviews should be conducted
Claims processing staff should have appropriate access limitations

Insurance Regulatory Compliance

Maintain compliance with state insurance regulations and licensing requirements
Ensure proper Business Associate Agreements are in place for health information
Implement appropriate administrative, physical, and technical safeguards
Conduct regular risk assessments and compliance monitoring
Maintain audit trails and documentation as required by insurance regulators
Ensure claims processing meets regulatory timeframes and accuracy requirements

Member Privacy and Rights

Protect member privacy and confidential health information
Honor member rights regarding their health information
Provide required notices about privacy practices
Handle member complaints and grievances appropriately
Ensure transparent communication about coverage and benefits

Claims Processing and Provider Relations

Special Responsibilities for Claims and Provider Management

Ensure accurate and timely processing of healthcare claims
Maintain fair and transparent provider credentialing processes
Honor contractual agreements with network providers
Provide clear communication about coverage decisions and denials
Maintain appropriate appeal and grievance procedures
Ensure compliance with prompt payment laws and regulations
Protect the integrity of provider-member relationships

Terms of Use

Please visit our Terms of Use establishing the use, disclaimers, and limitations of liability governing the use of our Website at Lnkr.

Contact Us

If there are any questions regarding this Privacy Policy, you may contact us using the email info@lnkrtech.com.