Privacy Notice - Website Last Updated: May 18, 2024
Your privacy is very important to Jyokti Inc. and its affiliates (collectively, “Jyokti”). This “Privacy Notice” has been compiled to assist you in understanding the ways in which we, Jyokti, collect personal information from you as you use the www.jyokti.com website (the “Site”). Please read this Privacy Notice carefully to get a clear understanding of how we collect, use, protect, or otherwise handle your personally identifiable information.
If you are a member of Jyokti Services, please remember that Jyokti is here to simplify your needs for you and your family. We are here to help you understand your options, facilitate your use of our services, and support you as you make your decisions. The content we provide you is for informational purposes only, based on the best available information, and may not be relied upon when alternative and more relevant information would be more accurate. No material contained within or provided through the Jyokti Site should be construed as professional advice and/or treatment. Jyokti shall have no responsibility or liability for out-of-pocket costs you may incur for services provided, and you are responsible for understanding and evaluating such costs.
Those are activities for you to undertake with your professional advisor or other appropriately trained and qualified professional. IF YOU THINK YOU HAVE AN EMERGENCY, YOU SHOULD CALL YOUR PROFESSIONAL ADVISOR OR 911 IMMEDIATELY.
Jyokti may provide, from time to time, various digital services to its customers and members, including the Jyokti Portal and Jyokti Mobile App. Such digital services have their own terms and conditions and privacy notices, and your use of such services is subject to those terms and conditions and privacy notices. Those digital services are just one more way you can connect with your Jyokti representative to support you and your family in your journey.
This Privacy Notice applies only to your use of the Site and was last updated as of the “Last Updated” date at the top of the policy. Jyokti may revise this Privacy Notice at any time, and such revision will be posted here and accessible at the following link: jyokti.com/privacy/general. Any revision and/or addition to this Privacy Notice shall become effective and binding on you when you continue to use the Site on or after the effective date of such revision and/or addition.
Information You Choose to Provide
We may collect information you choose to provide:
As further detailed below, we may also collect certain non-personally identifiable information about how you use the Site.
We do not collect and ask that you not provide us with any medical, health, financial, or other sensitive personal information through the Site.
Information Collected Via Your Use of Our Site
We may collect information from you when you are using the Site in a number of different ways; for example:
Information We Collect Automatically
We may now or in the future use tools, including third-party analytical software, to collect automatically certain data about the computer or other device you use to reach our Site such as:
Accordingly, when you visit our Site, some information may be automatically collected. Such information may also include Site access times, browser type and settings, device type, domain name, access times, duration of visit, referring URL, platform, new and repeat information, time stamp and language, and referring website addresses, all of which may be logged automatically. We may also collect information about your usage and activity on our Sites.
This information may be collected via several technologies, including cookies, web beacons, pixels, clear GIFs, and other means. All this information belongs to us, and we use it to improve the effectiveness, content, layout, and/or operation of our Site. You can remove certain cookies by following the directions in your Internet browser’s “help” file. If you disable cookies, certain pixels, and any screen recording technologies will be disabled, and your ability to use areas of the Site may be limited. Additionally, Jyokti provides a mechanism to remove certain cookies, as discussed below.
In general, we do not and will not share your personally identifiable information except as set forth in this Privacy Notice. We do not sell, transfer, and/or share your personally identifiable information with third parties for their own marketing purposes.
We use the information we collect from you when you browse the Site in the following manner:
| Category Name | Categories of Your Personal Information | Use of Information |
|---|---|---|
| Personal Identifiers | Identification information, message content, application usage data (e.g., features/pages accessed by a member), location data (GPS) | To operate and improve the Site and associated services |
| Usage Information | Identification information, message content, application usage data (e.g., features/pages accessed by a member), location data (GPS) | To understand and analyze information related to the number and type of visitors that browse and use the Site |
| Member Support | Name, phone number, mailing address, email address | To respond to your comments and questions and provide customer services |
| Candidate Employee Support | Name, mailing address, email, phone number, employment application information | To permit you to apply for a job at Jyokti, connect with third parties that we use to process job application information, and receive more information about open positions at Jyokti |
| Event Registration Information | Name, mailing address, email address, phone number, demographic information | To register for various events and webinars |
| Member Communications | Name, mailing address, email address, phone number | To communicate with you about new contests, promotions and rewards, upcoming events, and other news about products and services offered by Jyokti and our selected partners |
| Member Outreach | Name, mailing address, email address, phone number | To conduct outreach and engagement communications to make you aware of Jyokti services |
| Internal Business Purposes | Name, mailing address, email address, phone number, demographic information | To link or combine with other personal information we get from third parties, to help understand your needs and provide you with better information on the Site |
| Device Information and Identifiers | IP address; browser type and language; operating system; platform type; device type; software and hardware attributes; and unique device, advertising, and app identifiers. | For Jyokti internal purposes, such as providing the services, including registration and member support. Fixing and improving the services. Personalizing content and your experience. |
| Research, survey, or sweepstakes information (including personal identifiers and user-generated content) | Collected if you participate in a survey or sweepstakes; includes information needed for you to participate (such as contact information), and to fulfill your prize. | For Jyokti internal purposes, such as providing the services, including registration and member support. Fixing and improving the services. Personalizing content and your experience. |
If you provide Jyokti with your contact information to receive marketing materials, you are opting-in to receive information from Jyokti, including by email. You can opt-out anytime from the types of uses of your information and receiving these communications, as further described below.
YOUR PERSONAL INFORMATION WILL NOT BE SOLD. Nor will Your Personal Information be licensed or disclosed to unaffiliated third parties, except in connection with the sale, transfer, merger, consolidation, or other transaction involving all or part of our company or as may be permitted under applicable law.
In addition to the above, we may share the information collected from you, as described above, with our third-party partners to enable us to analyze and use such information to provide you with our services and in the manner set forth in this Privacy Notice. We may share your information with third parties who assist Jyokti with its outreach and engagement communications to make you aware of certain of Jyokti’s services. We also allow our website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, to access and process your information so long as those parties agree to keep this information confidential. We do not sell your information to third parties for marketing purposes, and we restrict such third parties’ usage of your information consistent with this Privacy Notice.
In addition to the above, we may be required to disclose your information to (i) comply with laws or to respond to lawful requests and legal processes (including to respond to requests from public or government authorities, including public or government authorities outside your country of residence), (ii) to investigate, prevent, or take action regarding illegal or suspected illegal activities, (iii) to protect the rights and property of Jyokti, and others to enforce our agreements, this Privacy Notice, and the Terms of Use, including to protect the security or integrity of the Site or our information systems, (iv) in an emergency to protect person or property, (v) as may be needed on a confidential basis to support a corporate transaction (including a merger, acquisition, divestiture, financing, or sale of assets or lines of business), or on an aggregated basis for any purpose in which your specific personal information is blinded, masked, or otherwise not identifiable.
We follow industry standard practices to protect, secure, and maintain the integrity and availability of your information. The Site and our internal networks supporting the Site are scanned regularly for malware and other viruses. Notwithstanding the foregoing, you acknowledge that no security safeguards or method of transmission over the Internet are completely secure.
The Site is not intended to collect, maintain, or transmit your information to the privacy and security standards used in healthcare or banking where sensitive medical, health, or financial information may be transmitted. The Site is not protected according to HIPAA/HITECH, PCI, or other such standards. DO NOT USE THE SITE OR COMMUNICATION TOOLS TO SEND US SENSITIVE PERSONAL OR PROTECTED HEALTH INFORMATION (e.g., do not send us your health information, benefit or ID card number, health claims information, social security number, financial account number, passcodes, etc.). For this reason, Jyokti does not secure the transmission of your information submitted through the Communication Tools (as defined above), including using the addresses and numbers provided in the “Get in Touch” section of the Site.
We store your information for as long as necessary to serve the business purposes for which it was collected and in conformance with applicable data protection laws.
Yes, the Site uses “cookies” and other web tracking tools. We may store information about you using the cookies on our site. A cookie also called a web cookie, Internet cookie, browser cookie, or simply cookie) is a small piece of data sent from a website and stored on the user’s computer by the user’s web browser while the user is browsing. We use cookies to improve your site experience, assess content usage, distinguish you from other users of our site, and support the marketing of our services. For example, cookies help determine what kind of content we will serve to the user – a use case might be, if a user is browsing a particular set of page content themes, we might serve that theme in the form of advertising as we’ve identified them as an interested party of that theme.
Most internet browsers automatically accept cookies, but you can set your browser to refuse them or to alert you when they are being sent. If, after your initial visit to the Site, you decide to change your cookie selection, you can do so by visiting www.jyokti.com and selecting “Manage Cookies.”
Further, if you want to delete any cookies that are already on your computer, please refer to the file management software to locate the file or directory that stores cookies under the following file names. Other information on deleting or controlling cookies is available at www.allaboutcookies.org. Please note that by deleting our cookies or disabling future cookies, you may not be able to access certain areas or features of our site.
Occasionally, at our discretion, we may link to third-party sites or content on the Site. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites.
Nonetheless, we seek to protect the integrity of our Site and welcome any feedback about these third-party sites. We urge you to review the privacy policies posted on these third-party websites at the time you first visit such sites.
The Site collects information and processes and stores that information in databases located in the United States. If you are visiting the Site from a country outside the United States, you should be aware that you may transfer personally identifiable information about yourself to the United States, and that the data protection laws of the United States may not be as comprehensive as those in your own country. By visiting the Site and submitting any personally identifiable information, you consent to the transfer of such personally identifiable information to the United States.
The California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (“CPRA”, collectively “CCPA”) and other California privacy laws provide California residents (i.e., consumers) with specific rights regarding personal information. This section of the Privacy Notice describes those CCPA rights and how to exercise those rights.
This section does not apply to publicly available information or to protected health information that is collected and governed by the privacy, security, and breach notification rules issued by the federal Department of Health and Human Services, Parts 160 and 164 of Title 45 of the Code of Federal Regulations, established pursuant to the Health Insurance Portability and Availability Act of 1996 (“HIPAA”).
California residents have the right to request that Jyokti disclose certain information to you about Jyokti’s collection and use of your personal information over the past twelve (12) months. Once Jyokti receives and confirms a verifiable consumer request from you, Jyokti will disclose to you, to the extent permitted by law:
You shall have the right to request that the information described above be provided to you in a portable and readily usable format, to the extent technically feasible (“data portability”).
Jyokti does not sell your personal information.
You have the right to request that Jyokti delete and/or correct certain of your personal information that Jyokti collected from and/or related to you and retained, subject to certain exceptions. Because of the relationship between Jyokti and your employer and/or your health plan carrier, Jyokti cannot delete or correct/change your personal information provided by your employer, your healthcare provider, and/or other entities that support your health benefits plan.
To the extent that Jyokti can delete or correct your personal information, once Jyokti receives and confirms your verifiable consumer request, Jyokti will delete and/or correct (and direct our service providers to delete) your personal information, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
Additionally, Jyokti may deny your deletion and/or correction request if the information sought to be deleted is protected health information disclosed to us as part of your participation in an employer-sponsored group health plan and/or your health plan carrier through which you have purchased a health plan or other benefits. We may deny your correction request if, after considering the totality of the circumstances, we determine that the information is more likely accurate than not.
Under the CCPA, California residents have the right to limit the use of their sensitive personal information (“SPI”) to only those purposes that are necessary for the business to provide products or services to the consumer. Jyokti does not use any of your SPI for any purposes other than to provide the services to you.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to Jyokti by either:
We ask that you not provide us with any medical or protected health information through the above communications.
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Jyokti cannot respond to your request or provide you with your personal information if Jyokti cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request. Any disclosures provided pursuant to the CCPA will only cover the 12-month period preceding the receipt of the verifiable consumer request.
Jyokti will respond to a verifiable consumer request within 45 days of its receipt, or notify you that Jyokti requires more time to respond and the reason for the extended response time. Jyokti will deliver its written response by mail or electronically, at your option. To the extent that your verifiable consumer request is excessive, repetitive, or manifestly unfounded, Jyokti may charge a reasonable fee to respond to such request.
Jyokti will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, Jyokti will not:
The Colorado Privacy Act (“CPA”) and other Colorado privacy laws provide Colorado residents (i.e., consumers) with specific rights regarding personal information. This section of the Privacy Notice describes those CPA rights and how to exercise those rights. This section does not apply to publicly available information or to protected health information that is collected and governed by the privacy, security, and breach notification rules issued by the federal Department of Health and Human Services, Parts 160 and 164 of Title 45 of the Code of Federal Regulations, established pursuant to HIPAA.
Colorado residents have the right to request that Jyokti disclose certain information to you about Jyokti’s collection and use of your personal information over the past twelve (12) months. Once Jyokti receives and confirms a verifiable consumer request from you, Jyokti will disclose to you, to the extent permitted by law:
You shall have the right to request that the information described above be provided to you in a portable and readily usable format, to the extent technically feasible (“data portability”).
Jyokti does not sell your personal information.
You have the right to request that Jyokti delete and/or correct certain of your personal information that Jyokti collected from and/or related to you and retained, subject to certain exceptions. Because of the relationship between Jyokti and your employer and/or your health plan carrier, Jyokti cannot delete or correct/change your personal information provided by your employer, your healthcare provider, and/or other entities that support your health benefits plan.
To the extent that Jyokti can delete or correct your personal information, once Jyokti receives and confirms your verifiable consumer request, Jyokti will delete and/or correct (and direct our service providers to delete) your personal information, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
Additionally, Jyokti may deny your deletion and/or correction request if the information sought to be deleted is protected health information disclosed to us as part of your participation in an employer-sponsored group health plan and/or your health plan carrier through which you have purchased a health plan or other benefits. We may deny your correction request if, after considering the totality of the circumstances, we determine that the information is more likely accurate than not.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to Jyokti by either:
We ask that you not provide us with any medical or protected health information through the above communications.
Only you or a person registered with the Colorado Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Jyokti cannot respond to your request or provide you with your personal information if Jyokti cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request. Any disclosures provided pursuant to the CPA will only cover the 12-month period preceding the receipt of the verifiable consumer request.
Jyokti will respond to a verifiable consumer request within 45 days of its receipt, or notify you that Jyokti requires more time to respond and the reason for the extended response time. Jyokti will deliver its written response by mail or electronically, at your option. To the extent that your verifiable consumer request is excessive, repetitive, or manifestly unfounded, Jyokti may charge a reasonable fee to respond to such request.
Jyokti will not discriminate against you for exercising any of your CPA rights. Unless permitted by the CPA, Jyokti will not:
You have the right to appeal any declination to respond or failure to take action regarding your request to exercise your rights.
To exercise your right to appeal, please submit a verifiable appeal request to Jyokti by either:
We ask that you not provide us with any medical or protected health information through the above communications.
Jyokti and its affiliates are exempt from the Connecticut Data Privacy Act (“CTDPA”), Utah Consumer Privacy Act (UCPA), and Virginia Consumer Data Protection Act (“VCDPA”).
These laws and other state privacy laws provide residents (i.e., consumers) of these states with specific rights regarding personal information. These laws apply to for-profit and business-to-business companies that interact or process personal data of these states on a relatively larger scale. However, these laws DO NOT apply to covered entities or business associates under the Health Insurance Portability and Accountability Act (“HIPAA”) and the Health Information Technology for Economic and Clinical Health Act. Jyokti and its affiliates are covered entities and/or business associates and are not subject to CTDPA, UCPA, or VCDPA.
This website is intended only for users located in the United States. To the extent that you are accessing this website from a location within the European Union, the following information shall apply to the collection and processing of your Personal Information. The data controller for this Site is Jyokti Inc. Jyokti processes Personal Information it collects through the Site for Jyokti’s legitimate business purposes, for example to fulfill any requests you may make in connection with your submission of personally identifiable information, to monitor and improve the quality of the Site, and to protect and defend our rights, property, or safety or that of our clients and other users of the Site. You may have the right to access and/or obtain a copy of your Personal Information, correct inaccuracies in your Personal Information, request the erasure of your Personal Information, and restrict the processing of your Personal Information. For more information about how you can access, rectify, and erase your Personal Information or make any other requests relating to your Personal Information or to contact Jyokti, please see the “Contact Us” section of this Privacy Notice below. In addition, you have the right to lodge a complaint with a supervisory data protection authority, contact information is available at https://edpb.europa.eu/about-edpb/board/members_en.
Jyokti has enabled Google AdSense on the Site. Google AdSense is an advertising service provided by Google. Jyokti uses the “Doubleclick” Cookie, which tracks use of www.jyokti.com and user behavior concerning ads, products, and the services we offer. You may decide to disable all the Doubleclick Cookies by clicking on: https://www.google.com/settings/ads/onweb/optout?hl=en.
Google’s advertising requirements can be summed up by Google’s Advertising Principles: https://support.google.com/adwordspolicy/answer/1316548?hl=en.
Google provides a breakdown of the information relevant to the collection and processing of data by Google AdSense:
You can find the AdSense Privacy Policy at https://policies.google.com/technologies/ads.
You acknowledge that Jyokti uses session replay technologies, such as those provided by Quantum Metric and FullStory, that employ software code to record users’ interactions with the Services in a manner that allows us to watch and analyze visual reconstructions of those user sessions. The replays may include users’ clicks, mobile app touches, mouse movements, scrolls, and keystrokes/key touches during those sessions. These replays help us diagnose usability problems and identify areas for improvement. You can learn more about FullStory at https://www.fullstory.com/legal/privacy-policy and you can opt-out of session recording by FullStory at https://www.fullstory.com/optout/. You can learn more about Quantum Metric, including opt-out options, at https://www.quantummetric.com/legal/privacy-policy/.
When you provide your email to Jyokti by using the Communication Tools (as defined above), you can select to opt-in to receive email from Jyokti. If you opt-in to the receipt of this electronic mail, we will:
You can unsubscribe from promotional emails at any time by: (1) following the unsubscribe instructions in our emails; or (2) emailing us at member.support@jyokti.com. You may update your email preferences anytime as well. Please note that even if you unsubscribe from promotional email messages, we may still need to contact you with important transactional information related to your account and your use of the Service. For example, even if you have unsubscribed from our email messages, we will still send you emails relating directly to a profile created through the Service confirming registration.
We may not recognize or respond to every type of “do not track” signal or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services, but we give you certain choices about how we collect personally identifiable information as described in this Privacy Notice. Many Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Site, including certain opt-out cookies.
We encourage you to review the privacy policies of our third-party advertisers and analytics service providers to learn about your choices about the information they collect from you. In addition, the Network Advertising Initiative offers information about some of the Internet advertising companies we may use, including how to opt-out of interest-based advertising they deliver. To opt-out of Google Analytics web tracking, you can download the Google Analytics Opt-out Browser Add-on.
For all the details, including how to turn on Do Not Track, visit www.donottrack.us.
The Site is not intended for use by persons under the age of 18 and Jyokti does not specifically market to children under 13.
We reserve the right to amend this Privacy Notice at our discretion and at any time. When we make changes to this Privacy Notice, we will notify you by email or through a notice on our website homepage.
If there are any questions regarding this Privacy Notice, you may contact us using the information below:
Jyokti Inc. 99198 OVERSEAS HWY
12
KEY LARGO, FL 33037 Attn: Chief Privacy Officer brandon@jyokti.com
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