Terms & Privacy

This Privacy Statement describes our privacy and security practices in connection with the information we collect through use of our services ("Services"). We are committed to assuring users of our services ("User(s)") that their information is handled responsibly and consistent with applicable state and federal laws. This Privacy Statement was last updated on the date noted at the end of this document.

Throughout this Privacy Statement, we refer to information that can identify you as a specific individual, such as your name or email address, as "personal information." The information we collect depends on how you use our Services:

Information you provide directly: When you subscribe to website communications, submit a "Contact Me" or callback request, or use our quoting and plan-comparison tools, you may provide contact information (such as name, email address, and phone number) and business benefits information (such as employee count, employee ages, ZIP code, and coverage preferences).

Information collected automatically: When you visit or interact with our Services, we and our analytics providers automatically collect certain usage information about your device and activity, as described in "Analytics, Cookies, and Session Recording" below. This information is collected from all visitors, whether or not you subscribe or submit a form.

By using our Services or subscribing to website communications, you consent to our processing of your information as set forth in this Privacy Statement.

To understand how visitors use our Services and to improve them, we use third-party analytics and product-experience tools, including Google Analytics 4 (provided by Google) and Microsoft Clarity (provided by Microsoft). These tools use cookies and similar technologies to collect and analyze information about how you interact with our Services.

The information these tools collect may include: your device and browser type, operating system, general (city- or region-level) location derived from your IP address, the pages you view and links you click, the dates and times of your visits, the website or source that referred you, and how you navigate and interact with pages (including mouse movements, clicks, scrolling, and taps).

Session recording: Microsoft Clarity records interactions during your visit — such as mouse movement, clicks, scrolling, and page navigation — and produces playback and heatmaps that help us diagnose usability problems and improve our Services. We configure these tools to mask or exclude sensitive fields where reasonably possible; however, we ask that you do not enter information into free-text fields that you do not wish to be recorded.

These providers process the information on our behalf and may also use it in accordance with their own privacy policies. We encourage you to review Google's Privacy Policy and Microsoft's Privacy Statement to understand their practices. We do not sell this information, and we do not use it to attempt to determine your identity beyond what is necessary to operate and improve our Services.

You have choices about how information is collected:

Cookies: Most browsers allow you to refuse or delete cookies through your browser settings. If you disable cookies, some features of our Services may not function properly.

Google Analytics: You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Do Not Track / Global Privacy Control: We honor recognized opt-out preference signals where required by applicable law.

Email communications: You may unsubscribe from our marketing emails at any time using the link included in each message.

We use the information we collect to: provide and operate our quoting, plan-comparison, and benefits Services; respond to your inquiries and callback requests; send you updates, news, announcements, and marketing communications you have requested; understand, analyze, and improve how our Services are used; maintain the security and integrity of our Services; and comply with legal obligations. If you receive email updates from us, we use the name and email contact information you supply to provide those communications, and you may remove yourself at any time by following the removal instructions in each message.

We do not sell your personal information. We may share your information with: service providers who perform functions on our behalf (such as analytics providers, email delivery providers, and hosting providers); our affiliated licensed insurance brokerage in order to respond to your requests and help you evaluate or enroll in coverage; and as required by law, such as pursuant to a subpoena, regulatory oversight, other legal process, or when we believe disclosure is necessary to protect our rights. Your contact information provided for marketing communications will not be given, sold, or rented to unrelated third parties for their own marketing.

Information submitted through our Services is stored in our secured systems and retained for as long as necessary to provide the Services, fulfill the purposes described in this Privacy Statement, and comply with our legal obligations. The security, integrity, and confidentiality of your information are important to us. We have implemented technical, administrative, and physical security measures designed to protect your information from unauthorized access, disclosure, use, and modification, and we regularly review our security practices. However, please be aware that despite our best efforts, no method of transmission over the internet or method of electronic storage is completely secure.

Depending on your state of residence, you may have certain rights regarding your personal information under applicable state privacy laws (for example, the California Consumer Privacy Act, as amended). These rights may include the right to request access to the personal information we have collected about you, the right to request correction or deletion of that information, and the right to opt out of certain processing. We will not discriminate against you for exercising these rights. To make a request, contact us using the information below. We may need to verify your identity before fulfilling your request, and we will respond within the timeframe required by applicable law.

We do not contact individuals who are not interested in receiving information from us or who have not provided us consent to be contacted. When you fill out our "Contact Me" or callback request form or subscribe for website communications, you are explicitly opting in and consenting to receive information from us and our affiliated licensed brokerage regarding your request. At any time, we will honor any request to be placed on our internal "do not contact" list.

Our Services are intended for businesses and individuals age 18 and older. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us and we will delete it.

We reserve the right to change, modify, or update this Privacy Statement at any time. We will post changes to this location and update the "last updated" date below. Please review this Privacy Statement on a periodic basis.

If you have questions about this Privacy Statement or wish to exercise your privacy rights, contact us at: BenefitOS, 7361 Calhoun Pl, Rockville, MD 20855 · (888) 665-2528 · contact@benefitos.us

Health information disclaimer: Just like you, your health is one of a kind. What works for one person may not for another, so the information in any articles we provide should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician. Your doctor will know your own health best.