Privacy Policy

TRICARE.com ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at tricare.com (the "Site"). Please read this policy carefully. By using the Site, you consent to the practices described below.

TRICARE.com is operated from 13319 Poway Drive, #444, Poway, CA 92064.

Information We Collect

We may collect the following types of information:

• Personal Information: Email address (for account creation, authentication, and communication), name (if provided), and contact form submissions.
• AI Chat Data: Questions and messages you submit to our AI Navigator are logged to improve response quality. Chat logs may include your questions and AI-generated responses. We do not use chat content for advertising.
• Payment Information: When you subscribe to Premium AI services, payment is processed securely by Stripe, Inc. We do not store your full credit card number, CVV, or banking details on our servers. Stripe handles all payment data in accordance with PCI-DSS standards.
• Usage Data: Pages visited, time spent on pages, clicks, referring URLs, device type, browser type, and IP address.
• Healthcare Audit Responses: Answers you provide in our Healthcare Audit tool to generate personalized recommendations.
• Resolution Report Intake Data: When you purchase a Resolution Report, we collect your email address, TRICARE plan type, region, issue type, and a narrative description of your issue. This information is used to generate your personalized Report. Your narrative may contain health-related information; please limit your description to administrative and benefits-related details and avoid including sensitive clinical information where possible.
• Newsletter Sign-ups: Email addresses submitted through our newsletter forms.

Cookies and Tracking Technologies

We use the following cookies and tracking technologies:

• Google Analytics 4 (GA4): We use GA4 to collect anonymized usage data including page views, session duration, device information, and user interactions. GA4 uses first-party cookies. We have configured GA4 with Google Consent Mode v2, meaning analytics data is only collected after you provide consent through our cookie banner.
• Essential Cookies: Used for authentication (JWT session tokens), cookie consent preferences, and basic site functionality. These are necessary for the Site to operate.
• Local Storage: We use browser local storage to remember your theme preference (light/dark mode) and cookie consent choice.

You can manage your cookie preferences at any time through our cookie consent banner or by adjusting your browser settings. Note that disabling essential cookies may affect site functionality.

How We Use Your Information

• Provide, operate, and maintain our services including AI-powered TRICARE guidance
• Process payments and manage subscriptions through Stripe
• Respond to your questions and support requests
• Send you newsletters and TRICARE updates (with your consent)
• Analyze site usage to improve content and user experience
• Generate personalized plan recommendations and healthcare audit results
• Detect and prevent fraud or abuse

Payment Processing (Stripe)

We use Stripe, Inc. as our payment processor for Premium AI subscriptions. When you make a purchase, your payment information is transmitted directly to Stripe via their secure, PCI-compliant systems. We receive only a confirmation of payment, your Stripe customer ID, and subscription status. We never have access to your full card number. For more information, see Stripe's Privacy Policy.

AI Services and Data

Our AI Navigator and Resolution Report services use third-party AI services (including OpenAI, Anthropic Claude, and Google Gemini) to generate responses and reports. When you use these services:

• Your input (questions, intake form data) is sent to one or more AI providers to generate a response or report
• We log inputs and outputs to improve our service quality and for quality assurance purposes
• AI providers may process your data according to their own privacy policies
• Do not submit sensitive personal health information, Social Security numbers, or other highly sensitive data through our services

Resolution Report Data Processing

When you purchase a Resolution Report:

• Your intake form data (issue type, plan type, region, and narrative description) is processed by AI language models (Anthropic Claude, Google Gemini, and OpenAI) to generate your personalized report
• Your report is reviewed by three independent AI systems and a human team member for quality assurance
• Your completed report (PDF) is stored securely and accessible via a unique, token-protected download link
• We retain your intake data and report for the purpose of providing the service, customer support, and quality improvement
• You may request deletion of your intake data and report at any time by contacting us at privacy@tricare.com
• We recommend limiting your narrative description to administrative and benefits-related details. Avoid including sensitive clinical information, Social Security numbers, or other highly sensitive personal data

Third-Party Services

We use the following third-party services that may collect data:

• Google Analytics 4: Website analytics (Google Privacy Policy)
• Stripe: Payment processing (Stripe Privacy Policy)
• Resend: Email delivery (Resend Privacy Policy)
• OpenAI / Anthropic / Google: AI response generation

Data Security

We implement appropriate technical and organizational security measures including encrypted connections (HTTPS/TLS), secure authentication, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Data Retention

• Account data is retained as long as your account is active
• AI chat logs are retained for service improvement purposes
• Analytics data is retained per Google's default retention settings
• You may request deletion of your data at any time by contacting us

Affiliate Disclosure

TRICARE.com participates in affiliate programs with insurance providers and other companies. We may earn a commission when you click on partner links and make a purchase or request a quote. This does not affect the price you pay or our recommendations. All affiliate relationships are disclosed with "Featured Partner" badges where applicable.

Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal data
• Opt out of marketing communications at any time
• Withdraw consent for analytics cookies via our cookie banner

California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information:

• Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You have the right to request deletion of personal information we have collected, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt out of the "sale" of your personal information. We do not sell personal information in the traditional sense, but some data sharing with analytics providers may qualify under CCPA's broad definition.
• Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your California privacy rights, contact us at privacy@tricare.com.

Not Medical Advice

Children's Privacy

Our Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

• Email: privacy@tricare.com
• Mail: TRICARE.com, 13319 Poway Drive, #444, Poway, CA 92064
• Web: tricare.com/contact