Privacy Policy for Using Affirm Assist

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Affirm Assist ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect information when you use our website and administrative claims management services (collectively, the "Services").

By using our Services, you agree to the collection and use of your information in accordance with this Privacy Policy. If you do not agree, please do not use our Services

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Agreement to Policy

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By accessing or using our Services, you acknowledge that you have read, understood, and agree to this Privacy Policy. Affirm Assist is committed to maintaining the confidentiality and security of your personal information in accordance with applicable law.

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Information We Collect

Information You Provide Directly: When you enroll in or use our Services, we may collect the following categories of information:

• Full name, mailing address, email address, and phone number
• Date of birth and Social Security Number (where required for identity verification)
• Long-term care insurance policy information, including policy number, carrier name, and benefit details
• Medical records, physician certifications, care logs, and clinical documentation submitted in connection with a claim
• Care provider information, including facility names, provider names, and invoices
• Payment information, including credit or debit card details (processed through a third-party payment processor)
• Signed authorization forms permitting Affirm Assist to communicate with your insurance carrier
• Any other information you provide in connection with your claim or account

Information Collected Automatically: When you visit our website, we may automatically collect certain technical information, including:

• IP address and browser type
• Pages visited and time spent on each page
• Referring URLs and search terms
• Device type and operating system
• Cookies and similar tracking technologies

Information from Third Parties:We may receive information from your insurance carrier in the course of managing your claim, including claim status updates, requests for additional documentation, and benefit determinations.

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How We Use Your Information

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Affirm Assist uses the information we collect for the following purposes:

• To provide, operate, and improve the Services
• To prepare, organize, and submit long-term care insurance claim documentation on your behalf
• To communicate with your insurance carrier for administrative purposes pursuant to your authorization
• To communicate with you regarding your account, claim status, and our Services
• To process subscription payments and manage billing
• To comply with applicable laws, regulations, and legal obligations
• To detect, prevent, and respond to fraud, security incidents, or misuse of our Services
• To enforce our Terms and Conditions and other applicable agreements

We do not use your information for marketing purposes beyond communications directly related to your account and the Services you have enrolled in.

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Protected Health Information and HIPAA

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HIPAA Applicability:In connection with the Services, Affirm Assist may receive, maintain, or transmit Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations. To the extent applicable, Affirm Assist operates as a Business Associate under HIPAA and handles PHI in compliance with all applicable HIPAA requirements.

Business Associate Agreement: Clients whose information constitutes PHI may be required to execute a Business Associate Agreement (BAA) with Affirm Assist prior to the commencement of Services. By accepting our Terms and Conditions, you agree to execute a BAA upon request.

Use and Disclosure of PHI:Affirm Assist uses and discloses PHI only as necessary to provide the Services, as authorized by the Client, or as required by applicable law. We do not sell, rent, or lease PHI to any third party for commercial purposes.

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How We Share Your Information

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Affirm Assist does not sell, rent, or lease your personal information to third parties. We may share your information only in the following limited circumstances:

With Your Insurance Carrier:We share claim documentation and related communications with your long-term care insurance carrier solely for the purpose of submitting and managing your claim, pursuant to your written authorization.

With Service Providers:We may share information with third-party service providers who assist us in operating our business, including payment processors, cloud storage providers, document management platforms, and electronic communication services. These providers are contractually obligated to use your information only as directed by Affirm Assist and in compliance with applicable law.

As Required by Law: We may disclose your information if required to do so by law, court order, subpoena, or governmental authority, or if we believe in good faith that disclosure is necessary to protect the rights, property, or safety of Affirm Assist, our clients, or the public.

Business Transfers:In the event of a merger, acquisition, reorganization, or sale of substantially all of our assets, your information may be transferred to the acquiring entity, subject to the same privacy protections described in this Policy.

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Data Security

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Affirm Assist employs commercially reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, destruction, or misuse. These measures include encrypted data transmission, secure storage systems, and access controls limiting employee access to personal information on a need-to-know basis.

However, no method of electronic transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach that affects your rights or interests, we will notify you as required by applicable law.

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Data Retention

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Affirm Assist retains your personal information for as long as necessary to provide the Services, fulfill the purposes described in this Privacy Policy, and comply with applicable legal, regulatory, and contractual obligations. When your information is no longer needed, we will securely delete or anonymize it in accordance with our internal retention schedule.

Upon cancellation or termination of your Subscription, we will retain your records for a period consistent with applicable law and our legitimate business needs, after which they will be securely destroyed.

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Your Rights and Choices

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Depending on your state of residence and applicable law, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the personal information we hold about you
• Correction: The right to request correction of inaccurate or incomplete information
• Deletion: The right to request deletion of your personal information, subject to applicable legal retention requirements
• Restriction: The right to request that we restrict the processing of your information in certain circumstances
• Portability: The right to receive your personal information in a structured, commonly used format
• Withdrawal of Consent: The right to withdraw your authorization for us to communicate with your insurance carrier at any time, subject to the terms of our Terms and Conditions

To exercise any of these rights, please contact us at support@affirmassist.com. We will respond to your request within the timeframe required by applicable law.

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Cookies and Tracking Technologies

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Our website may use cookies, web beacons, and similar tracking technologies to enhance your experience, analyze website traffic, and improve our Services. You may disable cookies through your browser settings; however, doing so may affect the functionality of certain features of our website.

We do not use tracking technologies to serve third-party advertising on our website

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Third-Party Links

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Our website may contain links to third-party websites for informational purposes. Affirm Assist is not responsible for the privacy practices or content of any third-party website. We encourage you to review the privacy policies of any third-party sites you visit.
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Children's Privacy

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Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at support@affirmassist.com and we will take steps to delete such information.

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Contact Us

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If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact us: Affirm AssistEmail: support@affirmassist.comWebsite: www.affirmassist.comState of Incorporation: Florida, United States

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© 2026 Affirm Assist. All rights reserved. This Privacy Policy was last revised on March 4, 2026.