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Disclaimer

This website is provided for information purposes only, and nothing contained on this website is to be construed as a recommendation or an offer to buy or sell any securities or adopt any investment strategy. Nothing contained on this website constitutes tax, accounting, legal, or investment advice. Any opinions expressed on this website may change as subsequent conditions vary. Decisions based on information contained on this website are the sole responsibility of the visitor.

This website and the content contained on this website are owned by or licensed to Panagram Structured Asset Management, LLC or its affiliates (collectively, “Panagram”) and are protected by applicable copyrights, trademarks, and/or other intellectual property rights. You may not copy, reproduce, or distribute material contained on this website without the written consent of Panagram.

Transparency in Coverage

UnitedHealthcare creates and publishes the Machine-Readable Files on behalf of Security Benefit Corporation (Medical/RX plan provider). To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com

To locate and view Machine-Readable File information:

• Hit Ctrl-F on your keyboard to bring up a search bar.
• Type in Security Benefit Corporation and the associated MRFs will appear.
• Example:  2022-07-01_customer name_Choice-Plus_in-network-rates.json.

For more information, refer to the Transparency in Coverage external page on uhc.com.

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Privacy Policy

Panagram Structured Asset Management, LLC and its affiliates (“Company” or “we”) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.p-gram.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect on this Website and through email and other electronic messages between you and this Website. It does not apply to information collected by us offline or through any other means, including on any other website operated by the Company or any third party, including through any application or content that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not access our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

• By which you may be personally identified, such as name, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline (“personal information”) if you provide this information directly to us.
• About your internet connection, the equipment you use to access our Website, and usage details. Such information is collected automatically as you navigate through the site and may also include IP addresses and information collected through cookies.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is only statistical data. We collect such information using Google Analytics. Additional information on Google Analytics and how it collects and processes data can be found here: https://www.google.com/policies/privacy/partners/. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include: 

• Cookies (or browser cookies).  A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Flash Cookies.  Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

We do not collect personal information automatically, but we may tie automatically collected information to personal information about you that we collect from other sources or that you provide to us.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you.
• To provide you with information, products, or services that you request from us (e.g., to respond to you).
• To fulfill any other purpose for which you provide it.
• To notify you about changes to our Website or any products or services we offer or provide though it.
• In any other way we may describe when you provide the information.

For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Panagram, our clients, or others.

To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Panagram’s assets.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.  To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

Accessing and Correcting Your Information

You may also send us an email at legal@p-gram.com to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our Website privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the bottom of this Privacy Policy. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: legal@p-gram.com

Last modified: April 30, 2021