We want you to be comfortable when using our website, mobile apps, and related services, that your personal information and any data you give us is secure and will not be shared with others unless you allow us to, or except as provided in this Privacy Policy.

  1. Personal Information Collected
  2. Automated Collection of Non-Personal Information
  3. Cookies
  4. How We Use Personal Information
  5. How We Share Personal Information
  6. Confidentiality and Security
  7. Children
  8. California
  9. Links to Other Websites
  10. Reviewing or Updating Your Personal Information
  11. Your Acceptance of These Terms
  12. Changes/Updates
  13. Personal Information Collected

PERSONAL INFORMATION COLLECTED

The term “personal information” means any information about you that is personally identifiable, such as your name, address, email, telephone number, and other contact information. “Personal information” data that you provide to Cosmic Innovations Lab Inc. . Cosmic Innovations Lab Inc. collects various types of personal, demographic and non-personal information from users to help provide a superior user experience and to administer our Services.

For example, to become a member and use the paid features of the services we may need to collect your name, home and business address or other contact address, email address, Social Security Number, medical benefits information, contact phone number, email address, and employment information, such as hire date, termination date, division, location, salary, etc. We also may require you to create a unique password and/or security PIN and provide answers to security questions which we will retain on file for identification purposes. In addition, we may collect or receive certain information about you from time to time. In some instances, you may provide that information directly, such as when you fill out a form, send us a message, or connect a monitoring device which submits information about you electronically.

Cosmic Innovations Lab Inc. may periodically ask you to complete short surveys about your experiences (including questions about products and services) for research purposes and/or on behalf of third parties working with Cosmic Innovations Lab Inc.. You are free to respond or not. Your participation in these surveys is not required, and your refusal to do so will not impact your experience on the site.

In addition, if you choose to send Cosmic Innovations Lab Inc. email inquiries or feedback or contact Customer Support, Cosmic Innovations Lab Inc. will collect your personal information including your email address.

AUTOMATED COLLECTION OF NON-PERSONAL INFORMATION

When you use the Services, our servers automatically record standard information that your browser sends whenever you visit a website. These server logs may include information such as the page(s) you visited, links you click, your Internet Protocol address, cookie information, browser type, browser language, and the date and time of your request. Cosmic Innovations Lab Inc. may use this data to help diagnose problems with its servers, analyze trends, and administer the Services. These types of information do not generally identify or relate to you as an individual, and Cosmic Innovations Lab Inc. does not seek to identify these types of information with you as an individual. This information will not be shared with third parties.

COOKIES

Cookies are small data files associated with web browsers and mobile applications that enable our systems to recognize your browser and tell us how and when pages on our websites and mobile apps are used. Our use of cookies may be necessary for the Services to function as intended. For example, cookies may make the Services easier for you to use, may allow the Services to remember whether or not you are currently logged in, and may allow us to determine recent pages you visited, which enhances your user experience. Cookies in the Cosmic Innovations Lab Inc. services do not collect personal information, and we do not combine information collected through cookies with other personal information to tell us who you are or what your email address is.

The “Help” option of the toolbar on the majority of Internet browsers will direct you on how to prevent your browser from accepting new cookies, how to command the browser to tell you when you receive a new cookie, or how to fully disable cookies. We do not recommend disabling cookies as certain parts of the Services will not function properly without cookies

HOW TO USE PERSONAL INFORMATION

The information we gather is used for the following purposes:

  1. Provide a more personalized experience;
  2. Authenticate a user’s identity;
  3. Promote partners and vendors available on the Portal;
  4. Conduct research and perform analysis in order to measure, maintain, protect, develop, and improve Services;
  5. Communicate with you about special offers, events, or new products or services;
  6. Customize and enhance the Services.

We ask for your email address and a password when you create your account in order to control access to it. You may be asked to create a username which may be used in the log in process.

By default, when you are logged in, the Services remembers how you’ve used the Services previously. Over time, this will increase the effectiveness of the Services you receive.

To keep you informed of the latest improvements and alerts relating to the Services, we may send you emails with information relevant to our Services. You will have the ability to opt out of receiving many of those emails, but Cosmic Innovations Lab Inc. reserves the right to send specific administrative notices that are required by law, regulation, or as needed to service your account. You may also be given the option from time to time to receive certain message, updates or alerts via text messages by providing us with a mobile phone number and agreeing to receive such messages.

HOW WE SHARE PERSONAL INFORMATION

Our policy is to keep your personal information confidential unless you consent to releasing it to a third party. Please be assured that your personal information will be used only for the expressed purpose of the programs or services that you elect to participate in. We will not share your personal information with any party (either internally or externally) who does not have a need for such information in order to directly provide the programs or services that you choose to utilize.

We may ask if you consent to disclosing your personal information for the purposes of communicating eligibility and enrollment information to your employer and/or the applicable insurance broker or carrier, vendor, third-party plan administrator or other third party to obtain benefits to pay for all or a portion of the Services.

We may disclose your information to a third party in connection with a corporate reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock, including in connection with any bankruptcy or similar proceedings.

Except as provided above in this section, we will not share your personally identifiable information or program activity with anyone without your prior consent.

CONFIDENTIALITY AND SECURITY

Your Cosmic Innovations Lab Inc. Services account information is protected by a password for your privacy and security. Cosmic Innovations Lab Inc. requires users to adhere to good security practices in the selection and use of passwords, including: minimum length, complexity rules, history rules, and lockout.

Cosmic Innovations Lab Inc. has adopted commercially reasonable technical precautions taken to help keep your data secure. Included in this is protecting member information with 3DES encryption, and securing web traffic using 256-bit SSL encryption.

Despite these efforts, please understand that no system is perfect or can guarantee that unauthorized access or theft of data might not occur.

CHILDREN

The Services should not be used by individuals under 13 years of age. We do not intend to collect any personally identifiable information from such individuals unless provided to us by a parent or legal guardian.

CALIFORNIA

Under California Civil Code sections 1798.83-1798.84, also known as the “Shine the Light Law,” any of our users who are California residents are entitled to request and receive once a year, free of charge, a notice from us describing what categories of personal customer information (if any) we shared with third parties or corporate affiliates for their direct marketing purposes during the preceding calendar year. If applicable, the notice will identify the categories of information shared, the names and addresses of the third parties and affiliates with which information was shared. If you are a California resident and would like to request a copy of this notice, please submit a written request to the Cosmic Innovations Lab Inc. address provided at the bottom of this page. In your request, please specify that you want a “California Privacy Rights Notice.” Please allow at least thirty days for a response.

LINKS TO OTHER WEBSITES

Our Services may contain links to other websites and apps. Please note that when you click on one of these links you are navigating to another website. Cosmic Innovations Lab Inc. is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

YOUR ACCEPTANCE OF THESE TERMS

Once you create an account and before you login for the first time, you will be provided with access to our Terms of Service and this Privacy Policy. You will need to click through, review, and agree to the Terms of Service and our Privacy Policy before your Cosmic Innovations Lab Inc. account becomes valid for use.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. In the event of any update, we will post notice of the amended Privacy Policy on the Portal. If you have provided us with your email address, we will also notify you of material changes to this Privacy Policy by sending an email to the email address you most recently provided to us. We also may require you to affirmatively re-accept the new Privacy Policy before re-accessing the Portal for the first time after a change has been adopted. We encourage you to keep the email address you provide to us current, and to promptly notify us of any changes to your email address, so that you may receive any notices we send to you regarding material changes to this Privacy Policy. If you do not agree to the new Privacy Policy, you should stop using the Portal. Continued use after the new Privacy Policy has taken effect constitutes acceptance of the new Privacy Policy.

© 2020 Cosmic Innovations Lab Inc., 100 Duffy Ave Suite 510, Hicksville, NY 11801