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Privacy Policy

Privacy Policy

This privacy policy ("Policy") explains, and was developed for you to understand, how The Clearing House Payments Company L.L.C. ("TCH") collects and uses information that is provided to TCH when you access or use this website.

By accessing or using this website, you acknowledge that you have read, understand, and agree to be bound by the terms of, this Policy. TCH reserves the right to change this Policy from time to time by updating this page, so please periodically review this page. If you do not agree or are not comfortable with any part of this Policy, your remedy is to discontinue your use of this website. This Policy is effective from and after March 29, 2016.

When We Collect Information

TCH collects information when you use or access this website in a variety of ways, including but not limited to visiting pages on this website, purchasing materials from this website and registering and paying for courses from this website.

The Information We Collect When You Visit This Website

TCH may collect personal and non-personal information, including but not limited to the following:

  • Personal information, including but not limited to:

    • Contact information such as name, mailing address, postal code, email address, and phone number;

    • Demographic and other information such as job title, preferences and interests; and

    • Financial information such as credit card number, expiration date, and security code; bank routing number and account number; and other billing information

  • Non-personal information, including but not limited to:

    • Session cookies to help you navigate through this website; and

    • Internet protocol addresses and browsing variables.

What We Do With The Information We Gather

TCH requests and uses personal information to carry out the transaction(s) you request, including but not limited to purchasing materials and registering and paying for courses. Additionally, we may use and/or disclose your personal information and non-personal information for additional purposes, including but not limited to:

  • Internal recordkeeping, reporting, and data analysis;

  • Communicating with you; and

  • Providing said information to, and/or sharing said information with, third parties, including but not limited to as required by law or as part of a legal process. 

Links To Other Websites

This website may contain links to enable you to visit other websites. However, we do not have any control over other websites that are neither owned nor operated by us or on our behalf; we are not responsible for the protection or privacy of any information that you provide while visiting such websites; and this Policy does not govern such websites.

Children’s Privacy

This website is not intended for use by children under the age of 13.


TCH does not respond to web browsers' "do not track" signals or other mechanisms that provide you the ability to opt out of having your personal information and/or online activities collected and/or tracked by third parties. Thus, third parties may collect and/or track your personal information and/or online activities over time and across different websites when you use this website.

Transparency in Coverage Regulations

In October 2020, HHS, Labor, and Treasury issued the groundbreaking “Transparency in Coverage” final Rule (TiC), which requires group health plans to disclose extensive price and cost-sharing information in a set of two different required data disclosures: public disclosures and plan participant disclosures. These rules will be implemented in phases, over the course of about three years, beginning with the public posting of pricing data via machine-readable files (MRF).

Transparency in Coverage Rule and Machine Readable Files: The following link leads to the machine readable files on the Empire Blue Cross website that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data. In order to view files our Company Name or Employer Identification Number will be required.  Go to Machine Readable Files.