Introduction
Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, “Pareto,” “we,” or “us”), respect your privacy and are committed to protecting it though their compliance with this policy. This policy describes the types of information that Pareto may collect from you or that you may provide to Pareto when you visit the website paretohealth.com (this “Website”) and Pareto’s practices with respect to collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to the information Pareto collects or receives on or through this Website. It does not apply to information collected or received by Pareto through any other means, including offline, through direct communications between you and Pareto, from third parties, or through any other website operated by Pareto or any other third party.
Pareto may provide additional or different privacy policies that are specific to certain features, products, services, or activities.
Please note that Pareto does not provide any products or services to individuals for personal, family, or household purposes. As such, you should not provide to Pareto any information for such purposes.
Please read this policy carefully to understand Pareto’s policies and practices regarding your information and how Pareto will treat it. If you do not agree with Pareto’s policies and practices set forth in this policy, your choice is to not use the Website. By accessing or using the Website, you agree to this privacy policy. Your continued use of the Website after Pareto makes changes to the policy is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Information That Pareto Collects and How Pareto Collects It
Pareto collects several types of information from and about users of the Website, including:
- Information that identifies, relates to, or describes, directly or indirectly, you as an individual, such as your name, email address, telephone number, home or work address, IP address, or any other contact information (“personal information”).
- Statistical or aggregated data that does not directly identify a specific person but may be used to derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
- Information that identifies your employer, company, or organization, such as such employer’s, company’s, or organization’s name, address, telephone number, internal contact information, or any other information about your employer, company, or organization that you may provide.
- Technical information about your Internet connection and usage details about your interactions with the Website, such as clickstream information to, through, and from the Website (including date and time), page response times, download errors, length of your visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), or methods used to browse away from a page.
If we combine or connect non-personal statistical or technical data with personal information so that it directly or indirectly identifies an individual, we treat the combined information as personal information.
Pareto collects this information:
- Directly from you when you provide it through the Website.
- Automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
Information You Provide to Pareto
The information Pareto collects on or through the Website directly from you may include:
- Information that you provide by filling out forms on the Website. This includes information that you provide at the time you request information about Pareto’s products or services.
- Information that you provide when you submit an employment application through the Website.
- Any information that you provide through any of the Website’s interactive features.
- Your search queries on the Website.
- Records and copies of your correspondence (including email addresses) if you contact Pareto through the Website.
Your submission of any of the aforementioned information through the Website is completely optional. If you do not wish to provide your personal information to Pareto, you should not complete any of the online forms or applications, perform any search queries on the Website, or contact Pareto through the Website.
Information Pareto Collects Through Automatic Data Collection Technologies
As you navigate and interact with the Website, Pareto may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
- Details of your visits to the Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
- Information about your computer and internet connection, including your IP address, operating system, and browser type.
Pareto may also use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Similarly, third parties may also be able to collect information about your online activities over time and across different websites when you visit and navigate Pareto’s Website.
The information that Pareto collects automatically is only statistical data and does not include personal information, but Pareto may maintain it or associate it with personal information that Pareto collects in other ways through the Website. It helps Pareto to improve the Website and to deliver a better and more personalized service, including by enabling Pareto to:
- Estimate Pareto’s audience size and usage patterns.
- Store information about your preferences, allowing Pareto to customize the Website according to your individual interests.
- Speed up your searches.
- Recognize you when you return to the Website.
The technologies we use for this automatic data collection may include:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser or making the appropriate selection through the Website’s cookie setting feature. However, if you do so, you may be unable to access certain parts or features of the Website.
- Web Beacons. Pages of the Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Pareto, for example, to count users who have visited those pages and for other related Website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).
How Pareto Uses Your Information
Pareto may use the information provided by you or collected by Pareto on or through the Website, including personal information:
- To develop, offer, and provide Pareto’s products and services to your organization and others.
- To 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.
- To contact you and/or your organization in the future regarding Pareto’s other products or services.
- To provide, support, personalize, and develop Pareto’s Website.
- To create, maintain, customize, and secure your organization’s account with Pareto.
- To process your requests, purchases, transactions, and payments and prevent transactional fraud.
- To carry out Pareto’s obligations and enforce Pareto’s rights arising from any contracts entered into between your organization and Pareto, including for billing and collection.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To notify you/your organization about changes to Pareto’s products or services.
- To personalize your Website experience and to deliver content and product and service offerings relevant to your interests.
- To measure or understand the effectiveness of Pareto’s marketing to you, your organization, and others, and deliver relevant marketing to you.
- To make suggestions and recommendations to you, your organization, and others about Pareto’s products or services that may interest you or them.
- To allow you to participate in the interactive features on Pareto’s website, such as the chatbot feature.
- To evaluate your candidacy for employment with Pareto and/or contact you regarding potential employment opportunities with Pareto.
- To help maintain the safety, security, and integrity of the Website, products and services, databases and other technology assets, and Pareto’s business.
- To perform data analytics and benchmarking.
- To protect Pareto, its employees, and operations.
- For testing, research, analysis, and product development, including development and improvement to the Website, products, and services.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- 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 Pareto about the Website users is among the assets transferred.
- In any other way Pareto may describe when you provide the information.
- For any other purpose to which you consent.
Disclosure of Your Information
Pareto may disclose aggregated information about the Website users, and information that does not identify any individual, without any restrictions.
Pareto may also disclose personal information that Pareto collects from or about you, or you provide to Pareto, on or through the Website pursuant to this policy:
- To Pareto’s subsidiaries, affiliates, and parent companies.
- To contractors, service providers, vendors, and other third parties that Pareto utilizes to support its business, including any contractor, vendor, or service provider utilized by Pareto to store your personal information.
- To third parties for cross-context behavioral advertising purposes.
- To a buyer or other successor of Pareto in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Pareto’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Pareto about its Website users is among the assets transferred.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by Pareto when you provide the information.
- To comply with any court order, law, or legal process, including responding to any government or regulatory request.
- To enforce Pareto’s rights arising from any contracts entered into between your organization and Pareto, including for billing and collection.
- If Pareto believes disclosure is necessary or appropriate to protect the rights, property, or safety of Pareto, its customers, or other third parties.
- With your consent.
Your California Privacy Rights
If you are a California resident, California law may provide you with additional rights regarding Pareto’s collection, use, and disclosure of your personal information. To learn more about your California privacy rights, visit California Privacy Policy 2026.
Data Security
Pareto has implemented commercially reasonable measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the Internet and electronic storage of such information is not completely secure. Although Pareto has taken commercially reasonable measures to protect your personal information, Pareto cannot guarantee the security of your personal information transmitted to or through the Website or subsequent storage of such information. Any transmission of personal information is at your own risk, and Pareto is not responsible for circumvention of any privacy settings or security measures contained on the Website or at the location where the information is stored.
Children Under the Age of 16
Pareto’s Website is not intended for children under 16 years of age. No one under the age of 16 may provide any personal information on or through the Website. Pareto does not knowingly collect personal information from children under 16. If you are under the age of 16, do not use this Website (including any of this Website’s interactive features) or provide any information on this Website or through any of its features. If Pareto learns that it has collected or received personal information from a child under 16 without verification of parental consent, Pareto will delete that information. If you believe that Pareto might have received any information through the Website from or about a child under the age of 16, please contact Pareto at the contact information listed below.
Changes to Pareto’s Privacy Policy
We may update this privacy policy from time to time, and we will provide notice of any such changes to the policy as required by law. The date the privacy policy was last updated is identified at the top of this page. We will notify you of changes to this policy by updating the “last updated” date and posting the updated policy on the Website. We may email or otherwise communicate reminders about this policy, but you should check our Website periodically to see the current policy and any changes we have made to it.
Contact Information
If you have any questions or comments about this privacy policy, please contact Pareto by any method listed below:
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