Privacy policy

Effective: June 10, 2025

Discharge.cc (the “Company,” “we,” “us,” or “our”) operates the website at www.discharge.cc and a mobile application (collectively, the “Platform”). Your access to and use of the Platform and any services provided by us is subject to our Terms of Service and this Privacy Policy.

This Privacy Policy is an electronic record under applicable law and does not require a physical signature. It explains how we collect, use, process, store, and disclose information, including personal and sensitive data, through the Platform. Capitalized terms not defined here have the meanings given in our Terms of Service. References to “Discharge.cc,” “Company,” “we,” “us,” or “our” refer to Discharge.cc.

Consent

This Privacy Policy is a legally binding agreement between you and Discharge.cc. By using the Platform or our services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Platform or our services.

We will handle any information we collect from you in accordance with the following principles:

• Processed fairly and lawfully for providing our services.
• Obtained only for specified, legitimate purposes.
• Adequate, relevant, and not excessive in relation to those purposes.
• Available to you for review, correction, or deletion as needed (subject to legal requirements).

Information We Collect

We collect the following categories of information:

• Personal Data: Information that identifies or can identify you, such as name, email address, phone number, postal address, age, organizational affiliation, or any other information you provide when using our Platform. This may also include insurance policy numbers, claims information, or medical details you submit as part of our claim processing services.
• Sensitive Personal Data: Sensitive information such as government-issued identification numbers (e.g., Social Security number, driver’s license, passport), financial account or payment card details, insurance or medical record numbers, health or medical information related to a claim, and any biometric data or passwords. We will process sensitive data only with your explicit consent or as permitted by law.
• Technical Information: Data collected automatically from your device when you visit the Platform, such as IP address, device identifier, operating system, browser type, ISP, referral source, pages viewed, and clickstream data. We collect this information using cookies, web beacons, log files, and similar technologies to improve and personalize your experience.
• Location Information: Information about your device’s location if you enable location services. For example, GPS or network-based location data may be used to assist in processing claims or delivering location-based services.
• Social Media Data: If you choose to log in through or link a social media account, we may receive information from that account (e.g., profile name, picture, email, friends list). We only use information from social accounts to the extent permitted by the social platform’s privacy settings.
• Non-Personal Information: Aggregated or anonymized data that cannot be used to identify you personally. This includes demographic data and usage statistics collected through analytics (e.g., how many users clicked on a feature, average time spent on a page).

Collection and Storage of Information

We collect information directly from you when you use the Platform. For example, we collect data when you:

• Register for an account or sign up for services.
• Submit an insurance or medical claim through our Platform.
• Communicate with us (e.g., support requests or inquiries).
• Use any interactive features of the Platform.

We may also obtain information from third parties with your consent, such as:

• Social media platforms (if you choose to connect them).
• Insurance and healthcare providers (to the extent you authorize sharing).
• Marketing and data providers that share information with us under agreed terms.
• Publicly available sources of information.

All data collected is stored securely on our servers or those of our service providers. We may store and process your information in locations other than your country of residence, including via cloud storage. When we use third-party data centers or service providers, we require them to maintain reasonable security measures to protect your data.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process and manage insurance and medical claims, verify your eligibility, and provide our AI-powered automation services.
• Account Management: To authenticate you on the Platform, maintain your user profile, and communicate with you about your account.
• Customer Support: To respond to your inquiries, requests, or complaints about the Platform and our services.
• Platform Improvement: To improve and personalize the Platform, including customizing content and features, enhancing user experience, and diagnosing technical issues.
• Updates and Communications: To send you transactional communications such as confirmations, notices of changes to our policies, and other service-related messages. With your consent, we may also send you marketing and promotional messages about our services or related third-party offerings.
• Security and Fraud Prevention: To detect, investigate, and prevent fraud, abuse, or other illegal activities, and to ensure the security and integrity of our Platform.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes (e.g., responding to subpoenas or court orders, reporting to tax authorities).
• Protecting Rights: To protect Discharge.cc’s rights, property, and safety, and that of our users or others (for example, to enforce our terms of service and prevent credit loss or financial harm).
• Business Analysis: To conduct internal analytics, research, and development in order to improve our services. We may use non-sensitive data for statistical analysis and business planning.
• Business Transfers: To enable a merger, acquisition, or sale of assets, where user information may be transferred as part of the transaction.

Except as described above, we will not use your personal information in a manner inconsistent with this Privacy Policy without your consent.

Sharing and Disclosure of Your Information

We do not rent or sell your personal information. We only share your information as described in this Privacy Policy:

• Service Providers: We may share your information with third-party vendors and service providers (e.g., cloud hosting providers, IT service providers, customer support services, data analytics providers) to perform tasks on our behalf. These providers are authorized to use your information only as needed to provide the service and are bound by confidentiality obligations.
• Insurance and Healthcare Partners: To facilitate claims processing or related services, we may share necessary information with insurance companies, healthcare providers, and other partners involved in the claims lifecycle. For example, we may transmit medical data to a healthcare provider for processing a claim, or policy data to an insurer for verification. Such sharing is subject to your authorization and applicable privacy laws.
• Law Enforcement and Legal Compliance: We may disclose your information to law enforcement, government agencies, or regulators when we believe in good faith that disclosure is necessary to comply with applicable laws, regulations, legal processes, or to prevent unlawful activity.
• Protection of Rights: We may share information to protect our rights, privacy, safety, or property, and that of our users or others. For example, we may disclose data in response to suspected fraud or security issues, or to address emergencies that threaten public safety.
• Business Transfers: If Discharge.cc undergoes a merger, acquisition, asset sale, or bankruptcy, user information may be transferred to a third party as part of that transaction. We will ensure that the recipient of your data adheres to this Privacy Policy.
• Employees and Agents: We may share information with our employees, contractors, and agents on a need-to-know basis. All such personnel are required to protect your information under confidentiality agreements.
• Third-Party Links and Services: Our Platform may contain links to third-party websites or services (for example, payment gateways or social media). These links are provided for your convenience only. We are not responsible for the privacy practices or content of these third-party sites. You should review the privacy policies of any site or service you access.
• Payment Information: Payments on our Platform may be processed by third-party payment processors. We do not store your full payment card information. Please review the privacy policy of any payment processor you use to understand how they handle your data.
• External Promotions: With your consent, we may use your contact information to share offers or information about products and services from trusted third parties (such as insurers or related medical services) that may interest you. You can opt out of these communications at any time.

Except as described above, we will not share your personal information with other third parties without your consent.

Cookies and Tracking Technologies

We and our partners use cookies and similar tracking technologies to collect information about your interaction with the Platform. Cookies are small text files placed on your device that help us remember your preferences and understand how you use the Platform. We use cookies for purposes such as:

• Authentication and session management.
• Personalizing your experience.
• Analyzing usage patterns and performance of the Platform.
• Improving our website and services based on user behavior.

You can control cookies through your browser settings. If you choose to block or delete cookies, some features of the Platform may not function properly. We may also use web beacons, pixels, or similar technologies in emails or on our Platform to analyze trends and traffic. We do not use tracking technologies to collect Sensitive Personal Data or to track you across unrelated websites.

Data Retention

We retain your personal information only for as long as necessary to provide our services and as required by law. When determining retention periods, we consider the nature of the data and the purposes for which it was collected. In some cases, we may keep certain information after you close your account in order to:

• Comply with legal or regulatory requirements (such as financial or tax recordkeeping laws).
• Resolve disputes or enforce agreements.
• Conduct audits or maintain security and integrity.

Once retention is no longer required, we will delete or anonymize your personal data. For example, claim records and associated documents may be retained for several years to meet regulatory or contractual obligations, after which they are securely destroyed.

Data Security

We implement reasonable and appropriate security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures may include:

• Encryption of data in transit and at rest (for example, using SSL/TLS for web traffic).
• Secure servers and network infrastructure.
• Access controls limiting data access to authorized personnel.
• Regular security assessments and audits.

However, no internet or storage system can be guaranteed to be 100% secure. We cannot ensure the security of any information you transmit to us, and you do so at your own risk. We urge you to take precautions, such as choosing strong passwords and using secure devices. We also recommend that you do not send sensitive personal information via email or other unencrypted channels.

Your Rights

Depending on applicable law, you may have certain rights regarding your personal data. These rights may include:

• Access and Correction: You can request access to the personal information we hold about you and ask us to correct or update any inaccurate data. You can update much of your account information directly through your user profile. For other requests, please contact us.
• Data Portability: You may request a copy of your personal data in a structured, commonly used format, and have it transferred to another organization if technically feasible.
• Deletion: You may ask us to delete your personal data. We will comply with valid requests unless we are required to retain the data for legal or legitimate business purposes (such as compliance with law, fraud prevention, or dispute resolution).
• Restriction of Processing: You may request that we suspend or restrict the processing of your personal data.
• Objection: You may object to our processing of your personal data for our legitimate interests or for direct marketing purposes.
• Withdraw Consent: Where we rely on your consent for processing (for example, for marketing or sensitive data), you have the right to withdraw consent at any time.
• Complaint: If you have concerns about how we handle your data, you may contact our Grievance Officer (see below) or lodge a complaint with your local data protection authority.

To exercise these rights, or if you have any questions about your privacy rights, please contact our Grievance Officer at [email protected]. We will respond to your request in accordance with applicable law.

Children’s Privacy

Our services are not intended for children under the age of 13 (or the applicable age of majority in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data without parental consent, we will promptly delete that information from our records. If you believe we might have any information from a child, please contact us so we can take appropriate action.

Updates to This Privacy Policy

We may update this Privacy Policy periodically. When changes are made, we will revise the “Last Updated” date at the top of this page and post the new version on the Platform. We encourage you to review this Privacy Policy regularly. By continuing to use the Platform after updates are posted, you agree to the revised Privacy Policy.

Miscellaneous

• Severability: If any provision of this Privacy Policy is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.
• Information Scope: This Privacy Policy applies only to information collected by Discharge.cc through the Platform. Information you provide to us outside the Platform (for example, via social media or public forums) is not covered by this policy and is considered non-confidential.
• No Waiver: Our failure to enforce any right or provision of this Privacy Policy will not be considered a waiver of that right.
• Governing Law: This Privacy Policy is governed by applicable law and you agree that any disputes arising out of it will be resolved in accordance with such laws.

Grievance Officer

In compliance with applicable regulations, we have appointed a Grievance Officer to address privacy-related queries and complaints. You can reach out to our Grievance Officer as follows:

• Name: Grievance Officer, Discharge.cc
• Address: Discharge.cc, 1234 Innovation Way, Tech City, State, Country 56789
• Email: [email protected]

The Grievance Officer will acknowledge your complaint or inquiry within 24 hours and will make reasonable efforts to resolve it within 15 days of receipt.