Benefitalign Privacy Policy

Benefitalign, LLC, (“Benefitalign” "We" or "we") take your privacy seriously and are committed to protecting the personal information that you provide to us. This Privacy statement covers the websites, www.portal.benefitalign.com/, ("Website") and explains our policies and practices regarding the use and disclosure of information collected by us. Portal.benefitalign.com/ does not collect any personally identifiable information (PII) about you during your visit to our website unless you choose to provide it to us. We do collect information that is not identifiable from visitors who read, browse and/or download information from our website.

1. Information we collect

When you browse through any website, certain information about your visit can be collected. We automatically collect and store the following types of information about your visit. We collect, the domain from which you access the Internet, the IP address of the computer, the operating system on your computer, the browser you’re using, the date and time of your visit, the pages you visited and the address of the website that connected you to our website. The Benefitalign staff analyzes and reports on the collected data from these tools. The reports are available only to Benefitalign management, and other designated customer support staff who need this information to perform their duties. We analyze and use this information to improve the site’s operation and content. Benefitalign keeps the data from our measurement tools as long as needed to support the mission of the website. Benefitalign does not collect any personally identifiable information (PII) about you during your visit to our website unless you choose to provide it to us. Benefitalign reviews and updates this policy from time to time as needed without notice. Therefore, we advise you to review this policy periodically on the Website.

2. Personally Identifiable Information (PII)

In general, you can visit our website without providing any PII. However, certain services offered on this website will require you to enter PII. This PII includes user registration data such as user's name, phone number, email address, age, residence zip code, health status, and dependent information. If a user chooses to apply/enroll/renew for coverage then additional PII data such as residence address, subscriber social security number, household income, tax filing status and billing information maybe required. In the case a user makes a special enrollment period change in addition to the above, documents/images containing PII may be required as proof of your circumstance and attached to your application/enrollment.

3. Use of PII

Benefitalign is committed to the privacy of the information collected by the Website and will only transfer PII to contracted outside parties such as broker, health insurers and employers on a need to know basis. Any requested information is required for the expressed Benefitalign use in the application/enrollment/renewal of your coverages or services. We do not share information about individual users or the organizations they represent for marketing purposes with any third party. Benefitalign opposes the emailing of any junk mail, and does not sell PII to email lists, marketers or telemarketers. If you receive junk email that mentions the Website services, please email us at info@benefitalign.com and we will promptly investigate the matter.

4. Use of cookies

Benefitalign only uses a temporary session encrypted cookie to conduct functions. This session cookie type provides the most secure way to improve the websites ease of use while protecting information. The temporary encrypted cookie is no longer present in memory when you close your browser window/session. Cookies are NOT viruses. They are not able to copy themselves or spread to other networks, execute and replicate there. A cookie is a small file of letters and numbers downloaded on to your computer when you access certain features of the website. Session cookies are temporary and are erased when you close your browser at the end of your surfing session. The next time you visit that particular site it will not recognize you and will treat you as a completely new visitor as there is nothing in your browser to let the site know that you have visited before. Persistent cookies remain on your hard drive until you erase them or they expire. How long a cookie remains on your browser depends on how long the visited website has programmed the cookie to last. Benefitalign does not use this type of cookie. If you do not wish to have session or persistent cookies placed on your computer, you can disable them using your Web browser. If you opt out of cookies, you will still have access to all information and resources on the website. If you make this selection you will disable cookies from all sources, not just Benefitalign.com.

5. How We Protect Your PII

Benefitalign runs on a secure cloud infrastructure. Our data centers and servers are built to make your data safe and accessible. We monitor and defend your information from intrusion and attack on a 24/7 basis. Our data center has on premise security such as physical access recognition, intrusion alarms and 24/7 security personnel, to prevent unauthorized access. At Benefitalign we use encryption under the HTTPS protocol protect your information while it travels between you and our servers. In addition certain sensitive PII is also encrypted at the database level and only visible when a business transaction requires visibility. You do not have to give us PII to visit Benefitalign. However, if you choose to register or conduct business transactions, we collect your email address to complete the process or provide delivery of quotes, applications or enrolment documents as needed. See the Information we collect, section to see more detail. We will safeguard the information you provide in accordance with the Privacy Act of 1974, as amended (5 U.S.C. Section 552a). If Benefitalign operates a record system designed to retrieve information about you in order to accomplish its mission, a Privacy Act Notification Statement should be prominently and conspicuously displayed on the public-facing website or form which asks you to provide PII. The notice must address the following five criteria, Benefitalign legal authorization to collect information about you, purpose of the information collection, routine uses for disclosure of information outside of Benefitalign, whether the request made of you is voluntary or mandatory under law, effects of non-disclosure if you choose to not provide the requested information.

6. We Do Not Share Your PII unless you are conducting business transactions or unless one of the following exceptions applies

Business Transactions

If you submit a request for quote, apply for coverage or enroll for an insurance/service product, then we will disclose your personal information to your chosen insurance/service companies, chosen agent, agency or business partner to process your quote, application or enrollment. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these chosen insurance/service companies, chosen agent, agency or business partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.

Employers, Associations, and Benefits Administrators or Consultants

If you use our website because of an association with a current or former employer, professional association, benefits administrator or consultant associated with such employer, association or organization, we may disclose your personal information to such employer, association, organization, administrator and/or consultant. These parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations

We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request. We do not share information about individual users or the organizations they represent for marketing purposes with any third party. Benefitalign opposes the emailing of any junk mail, and does not sell PII to email lists, marketers or telemarketers.

7. How long we keep data and how we access it

Benefitalign will keep data collected long enough to achieve the specified objective for which it was collected.

8. Notification of Changes

If we decide to change our privacy policy, we will display it along with our terms and conditions. We will require that you acknowledge your agreement to the terms and conditions. We will also post the most recent version to this privacy statement on the Website and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it

11. Contact Information

Please email us at info@benefitalign.com if you have any questions or suggestions regarding this policy statement.

Terms of Use

Welcome to the Benefitalign website! Benefitalign, LLC maintains this site for you, the user, conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website constitutes your acceptance and agreement to all such terms, conditions and notices. If you do not agree to the terms and conditions of use, you may not access or otherwise use this website.

Use of Material

The contents of the Web site are protected by copyright. Unauthorized use may violate copyright, trademark, and other laws. Benefitalign authorizes you to view and download material on the Web site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose. You will not use this Web site, in violation of any laws including without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. Any advertisement, links with other Web sites, co-hosts or references to third parties are not endorsements of such third parties' products or services and are not intended to result in any referrals or compensation to you or Benefitalign.

Linking to Other Sites

From time to time we will provide links to other Web sites, not owned or controlled by Benefitalign. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other sites. A link to a non-Benefitalign Web site does not constitute or imply endorsement by Benefitalign. Additionally, we cannot guarantee the quality or accuracy of information presented on non-Benefitalign Web sites. We encourage you to review the privacy practices of any Web site you visit.

Benefitalign’s Liability

The Web site may contain inaccuracies or typographical errors. Benefitalign makes no representations about the accuracy, reliability, completeness, or timeliness of the material. The use of the Web site and the material is at your own risk. Changes are periodically made to the Web site and may be made at any time. BENEFITALIGN DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. In no event shall Benefitalign be liable for any damages whatsoever (including, without limitation, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the Web site or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the Web site and the Material, whether based on warranty, contract, tort or any other legal theory and whether or not Benefitalign is advised of the possibility of such damages.