My Benefits Guardian ("My Benefits Guardian," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services and interact with our website. By using our services, you consent to the practices described in this Privacy Policy.
1. Information We Collect
1.1 Personal Information
We may collect the following personal information:- Name- Address- Email Address- Phone Number- Social Security Number- Date of Birth- Payment Information- Driver's License Number- Other information necessary for the provision of our services.
1.2 Non-Personal Information
We may collect non-personal information, including:- IP Address- Browser Type and Version- Operating System- Pages Visited- Date and Time of Visit- Referring Website
2. How We Collect Information
2.1 Directly from You
We collect information directly from you when you:- Register for our healthcare savings membership- Complete forms on our website- Communicate with us via email, phone, or other methods- Participate in surveys or promotions
2.2 Automatically We use cookies, web beacons, and similar technologies to automatically collect information about your visit.
2.3 From Third Parties We may obtain information from:- Service providers assisting with our operations- Public records and databases
3. How We Use Your Information
We use your information to:- Provide, maintain, and improve our services- Process transactions and manage memberships- Communicate with you regarding your account and services- Conduct research and data analysis- Comply with legal and regulatory requirements
4. How We Share Your Information
We may share your information with:- Service providers who perform services on our behalf- Regulatory bodies, law enforcement, or governmental agencies as required by law- Parties involved in mergers, acquisitions, or sales of our business, under confidentiality agreements.
Note: We do not sell your personal information.
5. Data Security
We implement robust security measures, including encryption, access controls, and secure data storage, to protect your information. However, no method of transmission or storage is entirely secure, and we cannot guarantee absolute protection.
6. Cookies and Tracking Technologies
6.1 Cookies
We use cookies to enhance your experience, analyze traffic, and provide personalized content. You can manage your cookie preferences through your browser settings.
6.2 Tracking Technologies
We use web beacons and similar technologies to track interactions with our website.
7. Your Rights
7.1 California Consumer Privacy Act (CCPA):
California residents have the right to:- Access, delete, and obtain information about their personal data- Opt-out of the sale of personal information (we do not sell personal information) For more information on your rights or to opt out please visit here.
7.5 General Data Protection Regulation (GDPR):
For EU residents, we comply with GDPR and provide the following rights:-
Access: Request access to personal data.- Correction: Request correction of inaccurate or incomplete data.
Deletion: Request deletion of personal data, subject to legal obligations.
Restriction: Request restriction on processing personal data under certain conditions.
Portability: Request data portability in a structured, commonly used, and machine-readable format.
Objection: Object to processing based on legitimate interests or for direct marketing.T
o exercise these rights, please contact us at privacy@mybenefitsguardian.com.
8. Data Retention
We retain personal information as long as necessary to fulfill the purposes for which it was collected or as required by law. Retention periods vary based on the type of information and applicable legal obligations.
9. Links to Third-Party Sites
Our website may contain links to external sites. We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies.
10. International Transfers
If you access our services from outside the United States, your information may be transferred to and processed in the U.S. and other countries. We ensure adequate safeguards are in place to protect your information in compliance with applicable data protection laws.
11. Children’s Privacy
Our services are intended for individuals aged 18 and older. We do not knowingly collect personal information from children under 13. If we become aware of such information, we will delete it promptly. Parents should contact us to request removal.
12. HIPAA ComplianceWe adhere to the Health Insurance Portability and Accountability Act (HIPAA) regarding protected health information
(PHI).12.1 Use and Disclosure of PHI
We may use and disclose PHI for:- Providing healthcare-related services- Conducting business operations- Meeting legal and regulatory requirements
12.2 Safeguarding PHI
We implement safeguards to protect PHI, including:- Encryption of electronic records- Secure storage of physical records- Access controls and authentication protocols.
12.3 Your HIPAA Rights You have rights under HIPAA, including:
Access: Request access to your PHI.
Amendment: Request corrections to your PHI.
Accounting: Request an accounting of disclosures of your PHI.
Restriction: Request restrictions on certain uses and disclosures.
Confidential Communications: Request specific methods or locations for communications about your PHI.
We may update this Privacy Policy periodically. Significant changes will be posted on our website with an updated effective date. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.
14. Contact Us
For questions or concerns regarding this Privacy Policy or our practices, please contact us here.
By using our services, you acknowledge that you have read, understood, and agree to the collection, use, and disclosure of your personal information as described in this Privacy Policy.
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