BenefitsClaimAdvice.org
Effective Date: February 8, 2020
Last Updated: February 8, 2020
This Privacy Policy applies to your use of the BenefitsClaimAdvice.org service and any associated mobile applications or programs (together, the “Service”) provided by BenefitsClaimAdvice.org(“Company,” “we,” “us” or “our”). Its purpose is to describe the collection, use and disclosure of personal information collected through the Service. By using the Service, you acknowledge you have read and understood the terms and conditions of this Privacy Policy. If you do not agree to the terms and conditions of this Privacy Policy, please do not use the Service.
Your use of the Service is also governed by our Terms and Conditions
PLEASE NOTE THE ARBITRATION PROVISION SET FORTH BELOW, WHICH, EXCEPT WHERE AND TO THE EXTENT PROHIBITED BY LAW, REQUIRES YOU TO ARBITRATE ANY CLAIMS YOU MAY HAVE AGAINST COMPANY ON AN INDIVIDUAL BASIS. ARBITRATION ON AN INDIVIDUAL BASIS MEANS THAT YOU WILL NOT HAVE, AND YOU WAIVE, THE RIGHT FOR A JUDGE OR JURY TO DECIDE YOUR CLAIMS, AND THAT YOU MAY NOT PROCEED IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE CAPACITY.
1. Collection of Information
We collect personal information, which is any information that identifies, relates to, describes, references, is reasonably capable of being associated with, or can reasonably be linked, directly or indirectly, to an individual or household. We have collected the following personal information from users of our Service in the last 12 months:
| Category of personal information | Source(s) | Purpose(s) | Disclosure to third parties |
|---|---|---|---|
| Identifiers | Directly from youIndirectly from you (e.g., from observing your actions on our Site)From third party service providers, such as a data analytics provider | To fulfill or meet the reason you provided the information, e.g., to respond to an inquiry or process your order or inquiry | Sale to: advertising networksDisclosure for business purposes to: internet service providers, payment processors |
| Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | Directly from you | To fulfill or meet the reason you provided the information, e.g., to respond to an inquiry or process your order or inquiry | Disclosure for business purposes to: internet service providers, payment processors |
| Protected classification characteristics under California or federal law | Directly from you | To fulfill or meet the reason you provided the information, e.g., to provide targeted advertising | Sale to: advertising networks |
| Commercial information | Directly from you | To fulfill or meet the reason you provided the information, e.g., to respond to an inquiry or process your order | Disclosure for business purposes to: payment processors, delivery services |
| Internet or other similar network activity | Indirectly from you (e.g., from observing your actions on our Site)From third party service providers, such as a data analytics provider | To fulfill or meet the reason you provided the information, e.g., to provide targeted advertising | Sale to: advertising networksDisclosure for business purposes to: internet service providers, payment processors |
| Geolocation data | Directly from you | To fulfill or meet the reason you provided the information, e.g., to respond to an inquiry, process your order, or provide targeted advertising | Sale to: advertising networksDisclosure for business purposes to: internet service providers, payment processors |
| Inferences drawn from other personal information | Indirectly from you (e.g., from observing your actions on our Site)From third party service providers, such as a data analytics provider | To fulfill or meet the reason you provided the information, e.g., to provide targeted advertising | Sale to: advertising networksDisclosure for business purposes to: internet service providers, payment processors |
We collect the following specific pieces of personal information:
- Name
- Phone number
- Other personal information voluntarily disclosed by you
- Unique device identifier
- Online identifiers, such as username and IP address
- Interactions with our partners’ websites, e.g., what you are viewing, your interactions with certain campaigns, etc.
Website Cookies
When you use the Website we may send one or more cookies to your computer, so that we may uniquely identify your browser. (A cookie is simply a tiny text file containing a string of characters.) Accepting our cookies allows you to keep your user preferences from session to session. Although most browsers accept cookies by default, you can set your browser to refuse all cookies, or to tell you when you are being sent a cookie. Some of the Website features and services may not function properly if you have cookies disabled.
2. Use Of Information
We use the information we collect from you for the following purposes:
- To provide our Service.
- To send you marketing communications.
- To respond to your requests and inquiries.
- To improve user experiences by making our Service easier to use and navigate.
- For other legitimate business purposes.
3. Sharing and Disclosure of Information
We may disclose your personal information to a third-party for a business purpose or sell your personal information (subject to your right to opt-out of those sales if you are a California consumer; see below in Section 10). When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performance of the contract. We may share or disclose your information to the following categories of third parties and for the following reasons:
- To our partners, whose advertisements you view and click on.
- To third party service providers, agents or independent contractors who help us maintain our Services and provide other administrative services to us.
- We may share your personal information in the course of any reorganization process including, but not limited to, mergers, acquisitions, and sales of all or substantially all of our assets.
- We may disclose your personal information to law enforcement, government agencies, and other related third parties, in order to comply with the law, enforce our policies, or protect our or others’ rights, property or safety.
4. Collection and Use of Information from Children
Our Service is not intended for children. We do not knowingly collect personal information from children, and our Service is not designed to attract children. In the event that we learn that a child under the age of 13 has provided personal information to us, we will delete such personal information as soon as possible.
5. Third Party Links
When you use our Service, there may be links and you may be directed to third party websites. We are not responsible for the privacy practices or content of such other sites. If you have any questions about how these other sites use your information, you should review their policies and contact them directly.
6. Opt-Out
If you give us your cell phone number to sign-up for our text message program and would like to be unsubscribed, you may reply with the message “STOP.” Please note you may receive more messages before your STOP request is fully processed. Message and data rates may apply.
7. Security
We implement reasonable security measures to ensure the security of your personal information. Please understand, however, that no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you understand that any information that you transfer to us is done at your own risk. If we learn of a security systems breach we may attempt to notify you electronically so that you can take appropriate protective steps. By using our Service or otherwise providing personal information to us, you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Service. We may post a notice via our Service or website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
8. International Data Transfers
We are based in the US. If you choose to provide us with information, please understand that your personal information may be transferred to the US and that we may transfer that information to our affiliates and subsidiaries or to other third parties, across borders, and from your country or jurisdiction to other countries or jurisdictions around the world. We put in place Serviceropriate operational, procedural and technical measures in order to ensure the protection of your personal information. You acknowledge you understand that by providing your personal information: (i) your personal information will be used for the uses identified above in accordance with this Privacy Policy; and (ii) your personal information may be transferred to the US and other jurisdictions as indicated above, in accordance with Servicelicable law.
9. Dispute Resolution and Agreement to Arbitrate
The Dispute Resolution provisions contained in our Mobile Terms and Conditions are expressly incorporated here by reference.
10. Choice of Law
This Privacy Policy has been made in and shall be construed in accordance with the laws of the State of Florida, without giving effect to any conflict of law principles. Any disputes or claims not subject to the arbitration provision discussed above shall be resolved by a court located in Miami, Florida and you agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action.
11. Assignment
In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign the personal information collected via the Service.
12. Your California Privacy Rights
From January 1, 2020, California consumers have the following rights:
- Right to know
You have the right to request information about the categories and specific pieces of personal information we have collected about you, as well as the categories of sources from which such information is collected, the purpose for collecting such information, and the categories of third parties with whom we share such information. Please see sections 1 and 2 above.
You have the right to request information about our sale or disclosure for business purposes of your personal information to third parties in the preceding 12 months. Please see sections 1 and 3 above. - Right to delete
You have the right to request the deletion of your personal information, subject to certain exceptions. - Right to opt-out of sale
You have the right to opt out of the sale of your personal information to third parties. You can exercise this right through the “Information Preferences” link in the Service, when such link becomes available on January 1, 2020. - Right to non-discrimination
You have the right to not be discriminated against for exercising any of these rights.
We do not sell the personal information of minors under the age of 16 without affirmative authorization.
Additionally, California Civil Code Section 1798.83 permits users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the contact information provided below and put “Shine the Light” in the subject line of your request.
If you would like to exercise one or more of the rights above, please contact us using the contact information provided below. You may designate an authorized agent to make a request on your behalf. Such authorized agent must be registered with the California Secretary of State. We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
We may need to confirm your verifiable consumer request before completing your request, and, for example, may ask for you to confirm data points we already have about you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
13. Changes to This Privacy Policy
We reserve the right to change this Privacy Policy from time to time. When we do, we will also revise the “Last Updated” date at the top. If we make material changes, we will notify you by placing a prominent notice on our Service. We encourage you to periodically review this Privacy Policy to keep up to date on how we are handling your personal information.
14. Contact Us
If you have any questions, comments or concerns about our privacy practices or this Privacy Policy, or to exercise any of your rights, please contact us at:
Benefits Claim Advice 24A Trolley Square Unit #4089 Wilmington, DE 19806
support@benefitsclaimadvice.org