Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, “Pareto,” “we,” or “us”) collect your personal information to support their business operations, including for the following purposes:
- Develop, offer, and provide Pareto’s products and services to your organization and others.
- Fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a quote or ask a question about Pareto’s products or services, Pareto will use that personal information to respond to your inquiry.
- Contact you/your organization in the future regarding Pareto’s other products or services.
- Provide, support, personalize, and develop Pareto’s website.
- Create, maintain, customize, and secure your/your organization’s account with Pareto.
- Process your/your organization’s requests, purchases, transactions, and payments, and prevent transactional fraud.
- Carry out Pareto’s obligations and enforce Pareto’s rights arising from any contracts entered into between you/your organization and Pareto, including for billing and collections.
- Provide you/your organization with support and respond to your/your organization’s inquiries, investigate and address your/your organization’s concerns, and monitor and improve our responses.
- Notify you/your organization about changes to Pareto’s products or services.
- Personalize your website experience and deliver content and product and service offerings relevant to your interests.
- Measure or understand the effectiveness of Pareto’s marketing to you, your organization, and others, and deliver relevant marketing to you.
- Make suggestions and recommendations to you, your organization, and others about Pareto’s products or services that may interest you or them.
- Allow you to participate in the interactive features on Pareto’s website, such as the chatbot feature.
- Help maintain the safety, security, and integrity of Pareto’s website, products and services, databases and other technology assets, and business.
- Administer Pareto’s systems and conduct internal operations, including troubleshooting, data analysis, testing, research, statistical, and survey purposes.
- Test, research, analyze, develop, and improve products, services, website features and functionality, and customer relationship and experience.
- Perform data analytics and benchmarking.
- Protect Pareto, its employees, or operations.
- Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- Undertake any actions specifically described to you when collecting your personal information or as otherwise set forth in California Consumer Privacy Act (“CCPA”).
- 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 Pareto is among the assets transferred.
To view Pareto’s privacy policy applicable to California-based individuals, visit California Privacy Policy 2026.
We may collect the personal information categories listed in the table below:
| Category | Examples |
| Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
| Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories. |
| Commercial Information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| Internet and other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| Geolocation data. | Physical location or movements, such as zip code, the time and physical location related to use of the website or mobile app, or other information about the individual’s location or locations he or she visited. |
| Professional or employment-related information. | Current or past job history or performance evaluations. |
Pareto retains personal information for as long as necessary to carry out the purposes for which we originally collected it and for other purposes described in this notice and our privacy policy.
Pareto may share certain personal information it collects with third parties for cross-context behavioral advertising. To opt-out of personal information sharing, visit Opt-Out Request.
Pareto does not sell personal information it collects to third parties.
Pareto does not collect sensitive personal information for the purpose of inferring characteristics about consumers.
If you have any questions or comments about this notice or need to access it in an alternative format due to having a disability, please contact Pareto at:
Phone: 1-800-317-9876
Email: privacy@paretohealth.com
Mailing address: Pareto Health, LLC
Attn: Privacy Officer
One Commerce Square
2005 Market Street
Suite 3900
Philadelphia, PA 19103