Privacy Policy

This privacy notice for HealthBenefits, LLC dba BenZen Insurance (“Company,” “we,” “us,” or “our“), describes how and why we might collect, store, use, and/or share (“process“) your information when you use our services (“Services“), such as when you:

• Visit our website at healthbenefitsllc.com, benzeninsurance.com, or any website of ours that links to this privacy notice.
• Engage with us in other related ways, including any sales, marketing, or events.

HealthBenefits, LLC and/or its related or affiliated entities (collectively, the “Company”) is committed to protecting your privacy and provides this policy to explain how we use personal information collected on this website. 

Protecting the privacy of your information is of great importance to us. This policy describes how we collect, use, and share information about you. Please take a moment to review the terms of our Privacy Policy.

This Privacy Policy applies to the Company website and governs data collection and usage. By using the Company website, you consent to the data practices described in this policy. Your use of this website and its various web pages constitutes your acceptance and agreement to all terms, conditions, and notices.

This Privacy Policy may be supplemented or amended at any time by the Company in its sole discretion and your use of the website constitutes your agreement to this Privacy Policy. If you are dissatisfied with the Policy, your sole remedy is to discontinue using the Company’s website. This Privacy Policy may be in addition to other privacy guidelines and policies provided on the Company website.

This Privacy Policy does not supersede the terms contained in any applicable legal notice that governs your use of the Company website. In the event of any conflict between the Privacy Policy and any applicable legal notice, such conflict shall be determined and resolved in favor of the terms, conditions, and notices in the legal notice, which is controlling over the Privacy Policy, to the extent allowed by law.

Collection of your Personal Information

Throughout this Privacy Policy, we refer to your information, whether or not it can be used to identify you, and whether or not you provide it to us or it is automatically collected from you, as “personal information.”

Compliance with the HIPAA Privacy Act

We understand that medical information about you and your health is personal “Protected Health Information” (“PHI”) and we are committed to protecting your medical information. PHI includes individually identifiable information about your past, present, or future health or condition, the provision of health care to you, or payment for such health care.

Personally Identifiable Information

Personally Identifiable Information (“PII”) is any information that can be used to identify or locate a particular person or entity. This may include, but is not limited to: your first and last name, contact information such as a phone number or an email address, and information about your needs.

We collect your PII only when you voluntarily and directly provide it. We may ask you to provide contact information when you request information or comment on an article or other content on our website.

The Company collects only limited personally identifiable information, such as your name and email address. The Company also may collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests, and favorites.

There is also information about your computer hardware and software that is automatically collected by the Company. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by the Company for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Company website, and at no time do we share any collected information, except as required by law.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Company public message boards, this information may be collected and used by others. Note: The Company does not read any of your private online communications.

The Company encourages you to review the privacy statements or policies of websites you choose to link to from Company so that you can understand how those websites collect, use, and share your information. The Company is not responsible for the privacy statements or policies or other content on websites outside of the Company website and does not control the content or privacy policies of such websites or third parties. The Company has no liability or responsibility for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Use of your Personal Information

The Company collects and uses your personal information to operate the Company website and deliver the services you have requested. The Company also uses your personally identifiable information to inform you of other products or services available from Company and its affiliates. The Company may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

The Company keeps track of the websites and pages our customers visit within the Company website in order to determine what Company services are the most popular. This data is used to deliver customized content and advertising within Company to customers whose behavior indicates that they are interested in a particular subject area.

The Company’s website will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the site; (b) protect and defend the rights or property of the Company; and (c) act under exigent circumstances to protect the personal safety of users of Company, or the public.

Use of Cookies

The Company website uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize the Company pages, or register with the Company site or services, a cookie helps the Company to recall your specific information on subsequent visits. This simplifies the process of recording your personal information. When you return to the same Company website, the information you previously provided can be retrieved, so you can easily use the Company features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Company services or websites you visit.

Security of your Personal Information

The Company secures your personal information from unauthorized access, use, or disclosure. The Company secures the personally identifiable information you provide in a controlled, secure environment, protected from unauthorized access, use, or disclosure.

Changes to this Policy

The Company will occasionally update or modify this Privacy Policy to reflect feedback we receive. The Company may change its Privacy Policy at any time without notice at our sole discretion. The Company encourages you to review this Privacy Policy each time you visit this website to look for any changes to the Privacy Policy prior to your use of the Company website.

SUMMARY OF KEY POINTS

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with HealthBenefits, LLC and the Services, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We do not process sensitive personal information.

Do we receive any information from third parties? We do not receive any information from third parties.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which parties do we share personal information? Any personal information we collect is not disclosed to third parties other than our partners and only when you request a quote, product information or application for coverage.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do you exercise your rights? The easiest way to exercise your rights is by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services.