Privacy Policy

Beneloyal Privacy Policy

Last modified: July 18, 2023


At Beneloyal (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website or affiliated websites or landing pages (our “Website“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect through the features available on the Beneloyal platform, which may include the following sources:

  • On the Beneloyal platform for the purposes of providing services or account creation
  • In email, text, online forms, or requests for information between you and this
  • Offline via phone or in-person meetings to provide certain
  • From third-party affiliates such as your employer or insurance carrier or digital health.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using the Beneloyal platform, you agree to this privacy policy. This policy may change from time to time, and you will be informed of such changes with us showing the last date of modification. Your continued use of the Beneloyal platform after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

This Privacy Policy applies to all of the features on the Beneloyal platform, and all products and services rendered by affiliates which we control.

You represent and warrant that you have permission to share any information you elect to provide, you consent to such information being shared with third parties, for the purposes of delivery of the services you have selected. You further represent and warrant that such information is accurate, current, and complete for the purpose for which you are providing information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

  • By which you may be personally identified, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline (“personal information“).
  • That is about you but individually does not identify you, and/or
  • About your internet connection, the equipment you use to access our Website, and usage

We collect this information:

  • Directly from you when you provide it to
  • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, your network connection and information collected through cookies, web beacons, and other tracking technologies we may use now, or in the future to collect information about the device and browser you use for purposes of improving the services delivered to you through this Website.
  • From third parties, for example, our business

Information You Provide to Us

The information we collect on or through our Website may include:

  • Information that you provide by filling in This includes information provided at the time of registering to use Beneloyal or subscribing to certain features available through our platform or requesting further services.
  • Records and copies of your correspondence (including email addresses) if you contact

Information provided to use by employers in their capacity as health plan providers subject to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH), that govern the use and disclosure of certain individually identifiable health- related Personal Information (“Protected Health Information”). To the extent we receive or process Protected Health Information, we may do so as a “Business Associate” of the employer under an agreement that, that governs our use and disclosure of PHI and that may be more restrictive than otherwise provided in this Privacy Policy. For more information about our HIPAA-compliant activities, please contact us at [email protected].

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

Information about your computer and internet connection, including your IP address, operating system, and browser type.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Storage location and transfer of personal information

All data stored or processed by Beneloyal including Personal Information, shall be processed on HIPAA-compliant cloud servers located in North America. Beneloyal services are intended for use by United States residents. By using our Services, you acknowledge that your Personal Information will be transferred from your location to our facilities and servers in the United States.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present the Beneloyal platform and related features to
  • To provide you with information and to render services based on the features that you may select.
  • To fulfill any other purpose for which you provide
  • To carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection.

Disclosure of Your Information

We may disclose aggregated information about our users without restriction to develop analytics, and to enable us to improve the services and features on the Beneloyal platform.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

  • To our subsidiaries and affiliates, such as insurance companies, benefit administrators, vendors or other third parties, we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Beneloyal’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Beneloyal about our Website users is among the assets transferred.
  • To fulfill the purpose for which you provide
  • For any other purpose disclosed by us when you provide the
  • With your Consent

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our terms of service, and other agreements, including for billing and collection purposes.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Beneloyal platform and visiting your account profile page.

You have the right to access the Protected Health Information we hold about you to verify the information. You may do this by contacting [email protected], upon receipt of your request, we will provide you with a copy of your Personal Information as required by law.

Through your account profile page, you may update, correct, delete, or add Protected Health Information as appropriate. This amended Protected Health Information will be transmitted to those parties to which we are permitted to disclose your information.

For users representing group health plans, and other covered entities, amendments to Personal Health Information shall be subject to the terms of the Business Associate Agreement.

Notice to California Residents

This Section applies only to California residents and contains the information that the Californian Consumer Privacy Act of 2018 (“CCPA“) requires us disclose. “Personal Information” has the meaning given in the CCPA, but excludes information exempted from the scope of the CCPA.

This Section describes Beneloyal’s collection, use and sharing practices in relation to Personal Information of California residents during the twelve (12) months preceding the effective date of this notice, and informs California residents of their rights with respect to that Personal Information.

Below is a summary of the “Personal Information” categories, as identified and defined by the CCPA (see California Civil Code section 1798.140 (o)), that Beneloyal collects, the reason Beneloyal collects your Personal Information, where Beneloyal obtains your Personal Information, and the parties with whom Beneloyal may share your Personal Information.

Information We Collect

Beneloyal collects the following categories of Personal Information about you when you visit or use the Beneloyal Health Corporate Websites:

  • Identifiers such as a name, contact information, and online identifiers, such as device IP address and identification numbers associated with your devices.
  • Commercial information such as name, contact information, title, the types of Beneloyal services a prospective (business) customer is interested in purchasing and communications with prospective (business) customers.
  • Internet or other electronic information regarding your browsing history, search history, the webpage visited before you came to the Beneloyal Health Corporate Websites, length of visit and number of page views, click-stream data, locale preferences, your mobile carrier, date, and time stamps associated with transactions, and system configuration information; and
  • Your geolocation, to the extent you have configured your device to permit us to collect such information.

We generally do not collect financial information, inferences, protected classifications, education-related information, physical description, biometric information, sensory information, or medical information.

Sources of, Use of, and Sharing of Personal Information

We describe the sources from which we collect this information and the business and commercial purposes for which we collect this information in the section above- entitled Information Collection and Use. The CCPA defines a “business purpose” as the use of Personal Information for the business’s operational purposes, or other notified purposes, provided the use of Personal Information is reasonably necessary and

proportionate to achieve the operational purpose for which the Personal Information was collected or another operational purpose that is compatible with the context in which the Personal Information was collected.

For information about the categories of third parties with whom we may share your Personal Information please see the section above entitled “Disclosure of Information.

Your Rights and Choices

  • As a California resident, you have rights in relation to your Personal Information; however, your rights are subject to certain exceptions. For instance, we cannot disclose specific pieces of Personal Information if the disclosure would create a substantial, articulable, and unreasonable risk to the security of the Personal Information, your account with us or the security of our network systems.
  • You may exercise your California privacy rights to know, access and deletion by emailing [email protected]. Please note that we will need to confirm your identity and California residency to process your requests to exercise your rights to know, access or delete your Personal Information. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.
  • Right Against Discrimination. You are entitled to exercise the rights described above free from This means that we will not penalize you for exercising your rights by taking action. We will not discriminate against you for exercising your right to know, access, deletion or to opt-out of sales.
  • Right to Know. You have the right to request the following information about how we have collected and used your Personal Information during the past twelve (12) months:
  • The categories of Personal Information that we have collected
  • The categories of sources from which we collected Personal
  • The business or commercial purpose for collecting and/or selling Personal Information.
  • The categories of third parties with whom we share Personal
  • Whether we have disclosed your Personal Information for a business purpose, and if so, the categories of Personal Information received by each category of third-party recipient.
  • Whether we have sold your Personal Information, and if so, the categories of Personal Information received by each category of third-party recipient.
  • Right to You have the right to request a copy of the specific Personal Information we collected about you during the twelve (12) months before your request.
  • Right to You have the right to request a copy of the specific Personal Information we collected about you during the twelve (12) months before your request.
  • Right to Opt-Out of Sales. You have the right to opt out of having your Personal Information sold. In the last twelve (12) months, we shared certain identifiers with our advertising partners for retargeting relevant advertisements. Under the CCPA, such sharing may be considered a “sale” of Personal Information. As of the effective date of this Policy, we no longer share certain identifiers with our advertising partners for retargeting advertisements, and we do not sell your Personal Information.

In addition, California Civil Code Section 1798.83 permits 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, you can contact us by emailing [email protected].

Links to Other Websites

This Website may contain links to other websites and services not operated or controlled by us, (“Third Party Sites”). The information that you share with Third Party Sites will be governed by the specific privacy policies and terms of service of the Third-Party Sites and not by this Privacy Policy. By providing these links we do not imply that we endorse or have reviewed these sites. Please contact the Third-Party Sites directly for information on their privacy practices and policies.


Beneloyal does not knowingly solicit or collect data from children nor knowingly market products or services to anyone under the age of 13. If you are under the age of 13, you are explicitly not authorized to use this Service.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Please keep this in mind when disclosing any Personal Information, including Protected Health Information, to us via the Internet.

Changes to our Privacy Policy

We reserve the right to make changes to this Privacy Policy. We will post those changes on this page and update the Privacy Policy modification date at the top of this page. Use of Personal Information we collect is subject to the Privacy Policy in effect at the time such information is collected, used or disclosed. If we make material changes or changes in the way we use Personal Information, we will notify you by posting an announcement on our Website. You are bound by any changes to the Privacy Policy when you use the Website, Website or Services after such changes have been first posted.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: [email protected]

© 2023 Beneloyal Insurance Agency LLC.