Last Updated: March 17, 2025

1. Introduction

Ful.Health ("Company," "We," "Us," or "Our") owns and operates the Ful.CashPay mobile application ("App"). This App provides users with access to estimates for healthcare-related services, cash pay alternatives, and tools to manage health expenses.

This Privacy Policy explains how we collect, use, share, and protect your information when you use our App and related services. By using the App, you agree to the data practices described in this Privacy Policy.

2. Information We Collect

We collect the following types of information when you use the App:

(a) Personal and Sensitive Information

When you register for or use the App, we may collect the following information:

• Your name, email address, and phone number.
• Your mailing address and ZIP code. 
• Your payment information (if applicable).
• Health-related information, such as health plan details, provider preferences, or benefit eligibility data.
• Household income and size, which may be used to determine eligibility for public assistance programs.

(b) Usage Data

We automatically collect certain data related to your use of the App, which may include:

• Device information such as your IP address, operating system version, and device type.
• App usage patterns and interactions. 
• Location data, if you permit us to access your location.

(c) Tracking Technologies

We use cookies and similar technologies to enhance your user experience, monitor system performance, and improve functionality.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve the App and its features.
• To verify user identity and ensure account security. 
• To facilitate savings recommendations and public benefit eligibility checks.
• To process transactions and manage your account.
• To send important notices, product updates, and alerts.
• To deliver customer support and respond to inquiries.
• To analyze usage trends and improve the performance of the App.
• To conduct internal research and development.

We do not sell your personal or sensitive information to third parties.

4. How We Share Your Information

We may share your information in the following situations:

• With trusted third-party service providers (such as hosting providers, data analytics partners, or eligibility verification partners) who help us operate the App and deliver services.
• When required to respond to legal obligations, such as subpoenas or court orders. 
• When necessary to comply with applicable laws and regulatory requirements.
• When required to protect the rights, property, or safety of Ful.Health, our uses, or others. 

5. Data Security and Retention

We maintain physical, technical, and administrative safeguards to protect your information from unauthorized access, use, or disclosure.

We store your data securely and retain it only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required to comply with legal obligations.

6. Your Rights and Choices

You have the following rights regarding your data:

• Access and Update: You can view or update your personal information in your App account settings.
• Opt-Out: You may opt out of receiving marketing emails or notifications.
• Delete Data: You can request the deletion of your personal or sensitive data, subject to any legal obligations.
• Withdraw Consent: You may withdraw your consent to data-sharing features that involve sensitive health or financial information at any time.

To exercise any of these rights, please contact us at support@fulcashpay.com.

7. Children’s Privacy

Our App is not intended for use by children under the age of 18. We do not knowingly collect personal data from children.

8. Third-Party Services and Links

Our App may contain links to third-party services. We are not responsible for the privacy practices or content of those third-party services. We encourage you to review their privacy policies before sharing personal information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify users via email and/or in-app notifications. Your continued use of the App after the changes have been posted constitutes your acceptance of the updated terms.

10. Contact Us

If you have any questions about this Privacy Policy or your data, please contact us at:

Email: support@fulcashpay.com