All Benefits HQ / Policies / Privacy Policy

Privacy Policy

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Posted: February 6, 2021

Effective: February 6, 2021

Thanks for using All Benefits HQ! Here we describe how we collect, use, and handle your personal data when you use our websites, software, and services ("Services"). For more information and details, please see our Frequently Asked Questions page.

What & Why

We collect and use the following information to provide, improve, protect, and promote our Services.

Account information. We collect, and associate with your account, the information you provide to us when you do things such as purchase products, sign up for your account, and use our mobile app (like your name, email address, phone number, and physical address).

Your Stuff. Our Services are designed as a simple and personalized way for you to purchase products and to store your insurance files, documents, photos, and data for insurance products ("Your Stuff"), and work across multiple devices and services. To make that possible, we store, process, and transmit Your Stuff as well as information related to it. This related information includes your profile information that makes it easier to recommend products and purchase new ones, as well as things like the size of the file, the time it was uploaded, how you categorized the file, and usage activity.

Usage information. We collect information related to how you use the Services, including actions you take in your account (like changing, viewing, uploading or removing Your Stuff). We use this information to provide, improve, and promote our Services, and protect All Benefits HQ users. Please refer to our FAQ for more information about how we use this usage information.

Device information. We also collect information from and about the devices you use to access the Services. This includes things like IP addresses, the type of browser and device you use, the web page you visited before coming to our sites, and identifiers associated with your devices. Your devices (depending on their settings) may also transmit location information to the Services. For example, we use device information to detect abuse and identify and troubleshoot bugs. We also attempt to determine in which US state your device is currently located.

Cookies and other technologies. We use technologies like cookies and pixel tags to provide, improve, protect, and promote our Services. For example, cookies help us with things like remembering your username for your next visit, understanding how you are interacting with our Services, and improving them based on that information. You can set your browser to not accept cookies, but this may limit your ability to use the Services. If our systems receive a DNT:1 signal from your browser, we'll respond to that signal as outlined here. We may also use third-party service providers that set cookies and similar technologies to promote All Benefits HQ services. You can learn more about how cookies and similar technologies work, as well as how to opt out of the use of them for advertising purposes, here.

Marketing. We give users the option to use some of our Services free of charge. These free Services are made possible by the fact that some users upgrade to one of our paid Services or purchase products. If you register for our Services, we will, from time to time, send you information about upgrades when permissible. Users who receive these marketing materials can opt out at any time. If you don't want to receive a particular type of marketing material from us, click the "unsubscribe" link in the corresponding emails, or update your preferences in the Notifications section of your personal account.

We sometimes contact people who don't have a All Benefits HQ account. For recipients in the EU, we or a third party will obtain consent before reaching out. If you receive an email and no longer wish to be contacted by All Benefits HQ, you can unsubscribe and remove yourself from our contact list via the message itself.

Bases for processing your data. We collect and use the personal data described above in order to provide you with the Services in a reliable and secure manner. We also collect and use personal data for our legitimate business needs. To the extent we process your personal data for other purposes, we ask for your consent in advance or require that our partners obtain such consent. For more information on the lawful bases for processing your data, please see our FAQ.

For more details on the categories of personal information that are included in the information above, please see our FAQ.

With Whom

We may share information as discussed below, but we won't sell it to advertisers or other third parties.

Others working for and with All Benefits HQ. All Benefits HQ uses certain trusted third parties (for example, providers of customer support and IT services) for the business purposes of helping us provide, improve, protect, and promote our Services. These third parties will access your information to perform tasks on our behalf, and we'll remain responsible for their handling of your information per our instructions. We log all attempts to view, manage or change your information and that log is accessible within your account. For a list of trusted third parties that we use to process your personal data and more details on the categories of personal information that we've disclosed, please see our FAQ.

Other All Benefits HQ Companies. All Benefits HQ shares infrastructure, systems, and technology with other All Benefits HQ Companies to provide, improve, protect, and promote All Benefits HQ Company Services. We process your information across the All Benefits HQ Companies for these purposes, as permitted by applicable law and in accordance with their terms and policies. For more information on All Benefits HQ Companies, All Benefits HQ Company Services, and how your data is used, please see our FAQ.

Channel Partners. Our Services display information like your name, email address, phone number and usage information to our Channel Partners if you came to All Benefits HQ through their landing page. Your personal information needed to purchase products is never shared with them. For a detailed description of what our channel partners can view, please see our FAQ.

Law & Order and the Public Interest. We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to: (a) comply with any applicable law, regulation, legal process, or appropriate government request; (b) protect any person from death or serious bodily injury; (c) prevent fraud or abuse of All Benefits HQ or our users; (d) protect All Benefits HQ's rights, property, safety, or interest; or (e) perform a task carried out in the public interest.

Stewardship of your data is critical to us and a responsibility that we embrace. We believe that your data should receive the same legal protections regardless of whether it's stored on our Services or on your home computer's hard drive. We'll abide by the following Government Request Principles when receiving, scrutinizing, and responding to government requests (including national security requests) for your data:

  • Be transparent
  • Fight blanket requests
  • Protect all users, and
  • Provide trusted services.

We publish a Transparency Report as part of our commitment to informing you about when and how governments ask us for information. This report details the types and numbers of requests we receive from law enforcement. We encourage you to review our Government Request Principles and Transparency Report for more detailed information on our approach and response to government requests.

How

Security. We have a team dedicated to keeping your information secure and testing for vulnerabilities. We continue to work on features to keep your information safe in addition to things like two-factor authentication, encryption of files at rest, and alerts when new devices and apps are linked to your account.

User Controls. You can access, amend, download, and delete your personal information by logging into your All Benefits HQ account and going to your account settings page.

Retention. When you sign up for an account with us, we'll retain information you store on our Services for as long as your account exists or as long as we need it to provide you the Services. If you delete your account, we'll initiate deletion of this information after 30 days. But please note: (1) there might be some latency in deleting this information from our servers and back-up storage; and (2) we may retain this information if necessary to comply with our legal obligations, resolve disputes, or enforce our agreements.

Where

Within the United States. To provide you with the Services, we may store, process, and transmit data in the United States. Data may also be stored locally on the devices you use to access the Services.

Your Control and Access of Your Data

You have control over personal data and how it's collected and used. For example, you can:

  • Delete Your Stuff in your All Benefits HQ account.
  • Change or correct personal data. You can manage your account and the content contained in it, as well as edit some of your personal data, through your account settings page.
  • Access and take your data elsewhere. You can access your personal data from your All Benefits HQ account and you can download a copy of Your Stuff in a machine readable format as outlined here. You can also ask us for a copy of personal data you provided to us or that we've collected, the business or commercial purpose for collecting it, the types of sources we got it from, and types of third parties we've shared it with.
  • Object to the processing of your personal data. Depending on the processing activity, you can request that we stop or limit processing of your personal data.

If you would like to submit a data access request, request that your personal data be deleted, or object to the processing of your personal data, please email us at privacy@allbenhq.com. For more information on how to control and access your personal data, please see our FAQ.

Changes

If we're involved in a reorganization, merger, acquisition, or sale of our assets, your data may be transferred as part of that deal. We'll notify you (for example, via a message to the email address associated with your account) of any such deal and outline your choices in that event.

We may revise this Privacy Policy from time to time, and will post the most current version on our website. If a revision meaningfully reduces your rights, we will notify you.

Contact

Have questions or concerns about All Benefits HQ, our Services, and privacy? Contact our Data Protection Officer at privacy@allbenhq.com.

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