Transparent Health Marketplace, Inc. (“THM”) safeguards individual protected health information (PHI) in compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA) by treating all PHI as confidential and private. Access to PHI is limited to only those who have a business need for access. PHI is used or disclosed only as required or permitted under the HIPAA Privacy Regulations. In those circumstances, PHI is released only to the minimum extent necessary to carry out the intended purpose. PHI includes information created or received by a health care provider which identifies or could reasonably be used to identify the individual and which relates to or describes the past, present, or future physical or mental health or condition of an individual, the health care services provided to an individual or the past, present or future payments for the health care services provided to an individual.