Updated – April 9, 2026

Thank you for visiting myhealthinsurance.com, a website owned and operated by Trove Group, Inc. (fka IHC Specialty Benefits,Inc. )(“Trove Group”, “we”, or “us”). At Trove Group we understand that the privacy of your information is important to you. This policy describes how Trove Group collects, uses, and shares information about you and applies to your use of our website located at www.myhealthinsurance.com as well as any online service location that posts a link to this Privacy Policy and all features, content, and other services that we own, control, or make available through such online service location (collectively, the “Site”). Please take a moment to review the terms of our Privacy Policy. By using or accessing this Site, you acknowledge this Privacy Policy in its entirety, including our use of cookies.

As of the date of drafting of this Privacy Policy, this Site is designed to help you inquire about services offered by Trove Group and apply for job openings at Trove Group, Inc. (the “Services”). You can generally navigate the Site without providing us with much personal information, but if you choose to register on the Site, interact with the Site’s features or take advantage of the Site, we may receive additional types of personal information. Under no circumstances are you required to submit any health-related information to the Site.

Information We Collect

Throughout this Privacy Policy we refer to your information, whether or not it can be used to identify you, as “Personal Information”.

Personal Information does not include:

  • Publicly available information as defined under applicable state laws
  • De-identified or aggregated information as defined under applicable state laws
  • Other information excluded from the applicable state laws, including but not limited to Personal Information governed by HIPAA

Personal Information and Sensitive Personal Information

Personal Information is any information that can be used to identify or locate a particular person or entity, either alone or when combined with other personal or identifying information that is linked or linkable to a specific individual. This may include, but is not limited to, your first and last name, contact information such as a phone number or an email address, and information about your needs.

We collect your Personal Information only when you voluntarily and directly provide it, including when you register on a Trove Group career Site or provide it through a form or other submission (such as a contact form or resume submission) on this or any of our Sites. Please be aware that to the extent that you provide us with Personal Information you expressly authorize us to handle such information in accordance with this Privacy Policy.

The following information may be collected:

  • Direct and personal identifiers such as name address, telephone number, e-mail address, other contact information, account username and password;
  • Demographic Information, such as date of birth, gender and marital status;
  • Internet or Electronic Network Activity, such as such as the type of browser you are using (e.g., Safari, Chrome), the type of operating system you are using, (e.g., Windows OS or Mac OS), and your IP address and the domain name of your Internet service provider (e.g., Xfinity, Verizon), and share such information with our partners. We also may collect additional log information, such as the referring/exit pages you visit, date/time stamps, and related data, which is stored in log files. See the Cookies and Other Tracking Technologies section, below;
  • Geolocation Information such as device location:
  • Audio, Visual or Other Information such as call and video recordings;
  • Professional or Employment-Related Information such as place of employment and job title, your work history with Trove Group if you are a current or former employee, CV, resume, cover letter, previous work experience, and education information, employment preferences and desired salary; professional and other work-related licenses, permits, and certifications held, languages and other relevant skills; wards and professional memberships; work authorization status and available start date, information relating to references; and, details of your job search, including what roles, departments, and locations interest you.
  • Inferences, such as conclusions that we develop about you using the data set forth above; and

In addition to the foregoing, the following Personal Information may be collected if you elect to provide it:

  • Health-related data, including data on disability.
  • Racial or ethnic origin;
  • Political opinions, religious affiliation, or philosophical beliefs;

To the extent that you provide us with sensitive personal information or information about your criminal record or history, job evaluations, educational records, or financial information, including account numbers, by providing us such information, you expressly authorize Trove Group to handle such information for the purposes of processing or evaluating your job application, if applicable.

How we Collect Your Personal Information

We collect your Personal Information in the following ways, pursuant to applicable law:

  • Directly From You, such as when you use our Site, register for an account, contact us, respond to a survey, sign up to receive emails, text messages, and/or postal mailings;
  • Through Our Use of Cookies and Other Automatic Data Collection Technologies, such as when you visit our Site, open or click on emails we send you, or interact with our advertisements. We or third parties we work with automatically collect certain information using technologies such as cookies, web beacons, clear GIF, pixels, internet tags, web server logs, and other data collection tools. For more information, please see the “Cookies and Similar Tracking Technologies” section below.
  • From Our Third Party Partners and Service Providers, such as third parties that we have partnered with and or you have requested from us.
  • Other Sources, such as data analytics providers or publicly available sources.

We may obtain information about you from other sources, including Third-Party Partners and Service Providers (defined below), and combine such information with information we have collected about you. To the extent we combine such third-party sourced information with Personal Information we have collected about you on the Service, we will treat the combined information as Personal Information under this Privacy Policy.

Cookies and Other Tracking Technologies

  • Cookies. A cookie is a small text file that is stored on a user’s device, which may be a session ID cookie or tracking cookie. Session ID cookies make it easier for you to navigate the Site and expire when you close your browser. Tracking cookies help in understanding how you use the Site, and remain after you close your browser. The Service may associate some or all of these types of cookies with your devices. Cookies may remain on your device for extended periods of time.
  • Web Beacons (“Tracking Pixels”). Web beacons are small graphic images, also known as “internet tags” or “clear gifs,” embedded in web pages and e-mail messages. Web beacons may be used to count the number of visitors to the Service, to monitor how users navigate the Service, and to count content views.
  • Embedded Scripts. An embedded script is programming code designed to collect information about your interactions with the Service. It is temporarily downloaded onto your device from our web server or a Third-Party with whom we work, is active only while you are connected to the Service, and deleted or deactivated thereafter.
  • Location-Identifying Technologies. GPS (global positioning systems) software, geo-filtering, and other location-aware technologies locate you (sometimes with precision) for purposes such as verifying your location and delivering or restricting relevant content based on your location.
  • Device Fingerprinting. Device fingerprinting is the process of analyzing and combining sets of information elements from a device (“Usage Information”), to identify it as a unique device. Information elements may include IP address, device identifier, browser type, operating system, data regarding network connected hardware, and information about your use of the Service. To the extent that we combine Usage Information with your Personal Information, we will treat the combined information as Personal Information under this Privacy Policy.

For more information about tracking technologies, please visit www.consumer.ftc.gov/articles/0042-online-tracking. Some browsers have incorporated Do Not Track (“DNT”) preferences. As there is not yet an industry-standard DNT protocol on how to interpret DNT signals, we do not honor DNT signals from browsers at this time. However, you may refuse or delete cookies to prevent tracking activities, as described above.

How We Use Your Information

We may use your Personal Information, for any purposes consistent with our statement under this Privacy Policy or as permitted by applicable law, including to:

  • Provide and Operate the Site for you and sending you information that enables you to use our Site, including notices about the Site like security alerts, changes to our policies and support and administrative messages;
  • Personalize your experience and provide information related to the Services for you, including responding to your requests feedback or inquiries
  • Manage the job recruitment process, including your search for jobs through Trove Group, reviewing and processing your job application, assessing your qualifications for a job
  • Secure our Site, prevent and address fraud, breach of policies or terms, and threats of harm; monitor and analyzing trends, usage and activities;
  • Operate, evaluate, and improve our business, including conducting research, surveys, focus groups, marketing research or other insight gathering methods; developing new products, services, and promotions (such as, for example, special events, programs, offers, contests), analyzing and enhancing existing product, services, managing communications, auditing and other internal functions;
  • Improve the Site or other websites, applications, marketing efforts, products, and Services of Trove or any of its affiliates;
  • Fulfill any other purpose disclosed at the time you provide Personal Information.
  • Protect and enforce our rights and the rights of other users against unlawful activity, including identity theft and fraud, and other violations of our Terms of Use;
  • Comply with laws and legal obligations, such as to enforce applicable legal requirements, relevant industry standards, contractual obligations, and our policies, including this Notice, and our Terms and Conditions, and any agreements entered into between you and us
  • Support Business Transfers. To consider and implement mergers, acquisitions, reorganizations, and other business transactions, and where necessary to the administration of our general business, accounting, recordkeeping, and legal functions.

We may use Artificial Intelligence (AI) Technology when processing your Personal Information as described above. This may also involve de-identifying or anonymizing your Personal Information to train, optimize, ground or otherwise enhance our AI Technology, including disclosure to third parties who help us develop or provide the systems to enable the AI Technology.

We also may use the Personal Information we obtain in other ways for which we may provide specific notice at the time of collection or otherwise with your consent.

How we may Share your Personal Information

We share Personal Information to operate our Site and provide Services, provide communications and respond and comply with legal requests. We do not sell Personal Information we have collected about you on the Site.

We may share Personal Information we have collected about you with:

  • Service Providers: These authorized third parties perform services on our behalf and provide products to Us. These may include, for example, cloud / IT services, data storage, sales, analytics, marketing, consultants, auditors and legal counsel. We require these Service Providers by contract to protect your Personal Information.
  • Affiliated Companies. Trove Group employees or agents, including recruiters, human resources personnel, technical services personnel, and managers or their designees who have a business need to access your Personal Information may review this information. This may also include business partners or joint ventures to provide the Services.
  • To comply with Law: To comply with the law or with other legal processes and, where required, to respond to lawful requests by law enforcement or by other public authorities, or to respond to a subpoena, to meet national security or law enforcement requirements, to protect the integrity of the Site, Service or company if we believe that a user has committed unlawful or otherwise harmful acts, or to protect our interests relating to a legal proceeding;
  • Corporate Transactions: In connection with, or during negotiations of, any proposed or actual merger, purchase, sale, consolidation with, or any other type of acquisition or business combination of all or any portion of the Service or our assets, or transfer of all or a portion of our business to an affiliated entity or third party;
  • For purposes disclosed at the time you provide Personal Information, and with your consent.

Your Rights and Choices

Accessing Your Information

You have the right to access, update, or remove certain information that you have voluntarily submitted to us through the Site by sending an email to [email protected]. We may require additional information from you to allow us to confirm your identity. Please note that we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications

To the extent permitted by law, and if you have provided your contact information to us, we may store and use that information to contact you by various means, including regular mail, email, telephone including voicemail, or SMS/MMS (text message).

Email: You can opt-out of receiving emails containing general information from us at any time, by following the instructions to click on the unsubscribe link, as provided in emails, or by emailing us at [email protected].

SMS/MMS: By voluntarily opting to have text messages sent directly to your mobile phone, you agree to these Terms. You also have a right to request not to opt out of any marketing calls or text messages from us by asking us to place your telephone number on our internal Do Not Call List (“DNC List”), but we may still send you communications for purposes important to the Services. Our written Do Not Call Policy for maintaining our DNC List is available upon request. We use a service provider to send SMS / MMS. We do not sell/share your information to any third parties as part of these services, nor does our service provider.

Children

We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. Our Site is not targeted or intended for use by children under the age of eighteen (18), nor do we knowingly collect information directly from children under the age of 18. If you are a parent or guardian and you believe that your child under age 18 may have provided Personal Information through our Site, please contact us via the Contact Us page on this Site. Alternatively, you may contact us in writing about your concern at the address listed under “Contact Us.”

Data Retention

Subject to any mandatory obligations to delete data, your information may be retained by us and in our agent portal, server logs, databases, and records indefinitely.

Data Security

Trove Group takes reasonable measures to help protect information about you from loss, theft, misuse, and unauthorized access, disclosure, alteration, or destruction. These measures include computer safeguards and secured files. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information collected through the Site.

Registered users must use a unique username to access their account. Do not give this username and password to others. You must prevent unauthorized access to your Account and Personal Information by selecting and protecting your username and password and/or other sign-on mechanism appropriately and limiting access to your computer or device and browser.

International Users

Our Site is controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than those of the United States. Any information you provide through use of the Sites may be stored and processed, transferred between, and accessed from the United States and other countries which may not guarantee the same level of protection of Personal Information as the one in which you reside. However, we will handle your Personal Information in accordance with this Notice regardless of where your Personal Information is stored or accessed.

Changes to Privacy Policy

We reserve the right to change or update the terms of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Your continued use of the Site following the posting of changes to this Privacy Policy means you acknowledge the updates made.

Third-Party Services

We are not responsible for, and this Privacy Policy does not address, the privacy practices of third parties, which are subject to those third parties’ own privacy policies. We encourage you to familiarize yourself with and consult third parties’ privacy policies and terms of use.

While most of the content and information on this Site is developed in-house, the Site also contains content from and hyperlinks to websites, locations, platforms, and services operated and owned by third parties. In addition, our Site contains features that allow you to interact with, connect to, or access our Service through certain third-party services. Third parties independently collect information about you and may solicit Personal Information from you.

Third Party Analytics:

We use third-party web analytics services on our Services, such as Google Analytics. The service providers that administer these services use automated technologies to collect data (such as IP addresses, cookies, and other device identifiers) to evaluate use of our Sites. To learn more about Google Analytics and how to opt out of their tool entirely, please visit www.google.com/analytics/learn/privacy.html. These services generally keep Online User Activity anonymized and/or operate under confidentiality terms in regard to the handling of personal information.

Contact Us

If you have any questions or comments about this Privacy Policy, please email us via Contact Us, or by sending a letter to Trove Group, Inc. (fka IHC Specialty Benefits, Inc.), 5353 Wayzata Blvd. Suite 300, St. Louis Park, MN 55416