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The ICHRA Shop Insurance Agency
Denver, Colorado, United States
Colorado Phone Number: 720-683-1468 Toll-Free Phone Number: 833-464-2472
We are open to help with ICHRA
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
The ICHRA Shop's Leadership Team
Nicole O'Neill, Co-founder
Nicole O'Neill is one of the leading experts in ICHRA. She leads The ICHRA Shop's Consulting & Benefits team for large organizations.
- Skilled in implementing and managing Individual Coverage Health Reimbursement Arrangements (ICHRAs).
- Expert in alternative and self-funding arrangements
- 22+ years of Insurance Group benefit sales
- NASM CPT, Precision Nutrition, Cross-Fit, Mobility
Brad O'Neill, Co-founder
Brad O'Neill is best known as "The Wizard of ICHRA" and is one of the leading experts on ICHRA's, HRA's and Benefits + ICHRA Consulting,
- Former leader of Fidelity Health Marketplace by Fidelity Investments
- Founding Member of The HRA Council
- Former Chairperson of Connect Colorado
- Named Top Benefits Consultant of the Year by Risk & Insurance Magazine
Privacy Policy
This Notice was last updated on September 1, 2022
The ICHRA Shop (and its subsidiaries) respects your privacy and is committed to handling your information in accordance with this Privacy Notice (“Notice”). This Notice lets you know the types of information we collect about you or that you may provide to us, including when you visit The ICHRA Shop's websites, our “Website” or “Websites”, and our practices for using, disclosing, protecting, and sharing that information.
Introduction
This Notice applies to information we collect on our Websites, in emails, other electronic messages between you and The ICHRA Shop, information you provide to us, and information we collect when you use an online service through our Website.
This Notice does not apply to information collected by any third party or affiliate, including through any application or content, including advertising, which may link to or be accessible from our Website. The ICHRA Shop is not responsible for the privacy practices or the content of those other websites.
Please read this Notice carefully to understand our practices regarding your information and how we will treat it. This Notice may change occasionally (see Changes to Our Privacy Notice), so please check the Notice periodically for updates. If there are any material changes to this Notice, we will notify you as required by applicable law.
Children Under the Age of 16. Our Website is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16. If you are under the age of 16, do not use or provide any information on our Website, including providing any information about yourself to us. If we learn we have collected or received personal information from a child under the age of 16 without parental consent, we will delete that information. If you believe we have any information from a child under the age of 16, please contact us (see Help below).
Information We Collect About You & How We Collect It
We collect information about you in many ways and some of the information we collect may include personal information that can be used to identify you. Personal information does not include publicly available information from government records or deidentified or aggregated consumer information.
We do not use any process or technique to derive from device information regarding a consumer's physical location or movements. However, we collect an individual’s address as an identifier of the consumer’s residence.
We do not track employment-related information from consumers; however, some of our forms may ask a consumer to enter their job title and current employer.
Some of our forms may ask a consumer to enter the name of the school they are attending.
We obtain this information from the following sources:
Information you provide to us voluntarily. In general, you can visit our Website without providing any information other than the information we collect automatically. There are times, however, when we may need information from you. You may choose to give us personal information in a variety of situations. For example, we may collect your name, address, email address, telephone number, billing, and financial information, or other information you may provide when you contact us about our services, engage with our Website to register to use or use any of our services, when you submit a form to contact us, when you register for an event, or request a paper or other information from us. If you choose not to provide us with certain information, you may not be able to take advantage of certain features of our services, participate in our events, or receive information from us.
We may also ask for your personal information when you express an interest in employment opportunities by submitting an application to us. The information we collect will be apparent at the time you are submitting your application and we will use this information to evaluate your candidacy for employment.
Information we collect automatically. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about you. For example, we use cookies (a tiny file stored on your computer’s browser) to tell us about your device, browsing actions, and patterns, including details of your visits to our Website, including whether you have or have not opened an email from us, and information about your device and internet connection, including your IP address or device identifier, operating system, and browser type. The ICHRA Shop may use this information to understand how our users navigate our site and to determine common traffic patterns, including what site the user came from. We may use this information to simplify site navigation, make product recommendations, and help design our site to make your experience more efficient.
Information from third parties. We may collect information from a third party that we may use to market our product and services to you. We do not share information obtained from such third parties outside of The ICHRA Shop.
Third-Party Use of Cookies or Other Tracking Technologies. We may use cookies to store and help us track information about you. Cookies are data sent to your browser from a web server and stored on your computer’s hard drive. We use cookies to help us know who you are and to help you navigate our sites during your visits. We also use cookies to measure traffic patterns and to understand how users navigate our site. For example, we use Google Analytics to help us analyze website traffic. For information on how Google Analytics collects and processes data, see www.google.com/policies/privacy/partners/.
How you can control cookies. Most browsers are initially set up to accept cookies. However, if you prefer not to store cookies on your device, you can set your browser to notify you when you receive a cookie, set your browser to refuse cookies by activating the appropriate setting on your browser, delete cookies after visiting our site, or browse our site using your browser’s anonymous usage setting. However, if you don’t accept cookies, this may prevent our Website or services from working correctly.
How Do We Use This Information
The ICHRA Shop may use information that we collect about you or that you provide to us for the following purposes:
- To present our Website and its content to you.
- To provide you with information, products, or services you request from us.
- To fulfill any other purpose for which you provide it, including when you fill out a form requesting information from us.
- Through our use of cookies, to understand how our websites are being used and to measure the effectiveness of our website.
- To improve our Website and our products and services.
- To personalize your Website experience and to deliver content and product and service information and offerings relevant to your interests or location, including providing such information or offer via email.
- To register you to attend an event or webinar, which may include helping us to plan, coordinate, and host such events and analyzing your interests in and interactions with the event.
- If you visit our offices, we may register you as a visitor.
- The ICHRA Shop may receive information about you from other sources, including third parties. We may combine this information with other information provided by you which helps us to update and expand our records, identify new customers, and tailor our advertising and marketing communications.
- To let you know about any changes to our Website or any products or services we offer or provide through it.
- To help maintain the safety, security, and integrity of our Website, products and services, and databases.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- To fulfill any other purpose for which you provide it or for which you consent.
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users or clients/customers/other name? is among the assets being transferred.
If you are submitting information on behalf of a third party (for example, registering a fellow employee for a webinar or conference), vendor expects that you have received appropriate consent, according to applicable privacy laws, before transferring any personal information to The ICHRA Shop.
We will not collect additional categories of information or use the information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Your California Privacy Rights
California law may provide you with additional rights regarding our use of your personal information if you are a California resident. Your California privacy rights are outlined beginning on page five.
Information We Share
We may disclose aggregated information about users and information that does not identify an individual without restriction. We share your personal information with the following categories of parties:
- To our service providers.
- To a third party, for example, when you sign up for an event, we may provide the information submitted on the registration form to the speaker(s) or host of the event.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- For Corporate Transactions. We may also disclose your information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of The ICHRA Shop assets, where personal information held by The ICHRA Shop about our Website users is among the assets transferred.
- Other Reasons. To: (a) satisfy applicable law, regulations, legal process, or valid governmental request; (b) enforce the terms of use applicable to our services; (c) detect, prevent, or mitigate fraud or security or technical issues; or (d) protect against imminent harm to the rights, property or safety of our company, our customers or the public as required or permitted by law.
Your Choices
You can tell us how we can use your personal information by using the following:
- Tracking Technologies. As noted above, under “How you can control cookies,” you can, for example, set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of our Websites may be inaccessible or not function properly.
- Disclosure to Third Parties. If you do not want us to share your information with third parties, you can choose not to submit your information on the form permitting us to share your information.
- If you are on our email mailing list, you may remove yourself from the mailing list at any time by calling 1 833 464-2472.
We do not control third parties’ collection or use of your information to service interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way.
The ICHRA Shop respects your personal information and takes steps to protect it from loss, misuse, or alteration. These steps can include technical measures like firewalls, intrusion detection and prevention systems, unique and complex passwords, and encryption where appropriate. We also use organizational and physical measures such as training staff on data processing obligations, identifying data incidents and risks, restricting staff access to your personal information, and ensuring physical security, including appropriately securing information when not being used.
Changes to the Privacy Notice reserves the right to change this Notice. If we decide to make changes, we will post the updated notice on our website so you are always aware of what information we collect, how we use it, and the circumstances we disclose. The date this Notice was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you and for periodically visiting our website and the Notice to check for any changes. Your continued use of our Website following the posting of changes means that you're accepting these changes. Where required by applicable data protection laws, we will also seek your consent to any material changes that affect how we use your information.
Help
If you need help with unsubscribing or have questions regarding this Notice, please contact us at 1-833-464-2472 or email info@ichra.shop Attn: Privacy Request.
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