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Privacy Policy
Terms & Conditions

Benefitalign Privacy Notice

Effective Date: January 1, 2023

PRIVACY NOTICE STATEMENT

We are authorized to collect personally identifiable information (PII) from you by applicable federal and state laws. Any PII we collect is used to create and manage your account, and to communicate with you about your account. PII is also used to help you apply for financial help and/or enrolling in a Marketplace qualified health plan (QHP). Protecting your privacy is very important to us. This privacy policy describes what information we collect, why we collect it, and what we do with it.

If you choose to give us PII, we may share this information with Centers for Medicare and Medicaid Services (“CMS”), and will be maintained in a federal System of Records. Your PII will also be shared with other related entities. See HOW INFORMATION MAY BE SHARED section for detail. PII is used or disclosed only for the limited purposes listed in the HOW INFORMATION MAY BE USED section below.

The requested PII is mandatory under the applicable laws and CMS requirements. If you chose not to provide us with the PII requested, or not to respond to certain questions, your application will be denied.

DEFINITIONS

As used in this Privacy Notice, the terms “benefitalign®”, “We” and “us” refer to benefitalign®, LLC and its subsidiaries, members, managers, officers, directors, employees, contractors, and agents. If you accept this Privacy Notice as an employee or representative of a company or other legal entity, the terms “you” and “your” will refer to both you, personally, and any entity you represent.

This Privacy Notice describes how we collect, use, protect and share information about you we obtain when you access and use our Website (defined below), including when you register for an account or request a quote. This Privacy Notice also applies to information we obtain when you communicate or interact with us outside of our Website, including by email, telephone, and otherwise.

Your use of our Website is also governed by our benefitalign® Portal Grant of Limited License and Terms of Use (the “Terms of Use”), any additional terms provided to you in connection with certain features, functionality, tools, content, and promotions available on or through our Website (“Supplemental Terms”), and any policies and rules referenced or, posted on our Website, or otherwise communicated to our Users (the “Website Policies”). If a provision of the Terms of Use, Supplemental Terms, or Website Policies conflicts with this Privacy Notice, such provision shall control.

Please read this Privacy Notice carefully before using our Website or communicating with us. Changes to this Privacy Notice are discussed at the end of this document.

“Users” means any individuals that access or use our website, including applicants for health insurance, insurance agents, and other registered users. References to “access” and/or “use” of our Website (and any variations thereof) include the acts of accessing or browsing our Website and accessing or using the services, information, content, features, functionality, tools, and promotions available on or through the Website.

“Website” refers to any website owned, operated, or powered by benefitalign® (including the Website at https://www.benefitalign.com). References to our “Website” include any services, information, content, features, functionality, tools, and promotions available on or through each Website.

BY ACCESSING OR USING OUR WEBSITE OR COMMUNICATING WITH US OUTSIDE OF OUR WEBSITE, YOU ARE ACCEPTING AND CONSENTING TO THE PRACTICES DESCRIBED IN THIS PRIVACY NOTICE, WHICH MAY BE UPDATED AND AMENDED FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY NOTICE, YOU MUST NOT ACCESS OR USE OUR WEBSITE OR OTHERWISE COMMUNICATE WITH US.

INFORMATION WE COLLECT

Information You Provide to Us

We collect information you provide directly to us, including when you register for an account, solicit a health insurance quote, prepare or submit a health insurance application directly or on behalf of another individual, use our Website, update your contact information, respond to a communication from us, or contact us with questions.

We may also collect information about you when you opt-in to receive text messages from us (such as when you sign up for health insurance). You may opt-in to receive such updates and offers by providing your mobile telephone number through our Website.

We may also collect information about you if a company or organization authorizes you to manage its account or use our Website on its behalf.

PII

Some of the information we may collect through your use of our Website or communications with us may identify you. The types of PII you may submit in connection with our Website include, but are not limited to:

Contact information (such as name, address, email address, and telephone number);
Date of birth;
Gender;
Account passwords for our Website;
Payment card information and other billing information (such as card image, card number, cardholder name, expiration date, and card verification code) associated with your account;
Social security number;
Health or medical history;
Dependent name; and
Geographic location.

HOW INFORMATION MAY BE USED

PII

We may use the PII we collect to:

Create and manage your account;
Provide our Website to you;
Operate our Website, including, without limitation, providing quotes, and submitting and monitoring health insurance applications, access management, payment processing, Website administration, internal operations, troubleshooting, data analysis, testing, research, statistical and survey purposes;
Send you information that enables you to use our Website;
Contact you about activity on your account;
Provide you access to and updates regarding health insurance and other related offers via text message;
Respond to your requests, feedback, or inquiries;
Notify you about updates, information, or alerts regarding our Website;
Process payments;
Protect and enforce our rights and the rights of other Users against unlawful activity, including identify theft and fraud, and other violations of our Terms of Use;
Protect and enforce our rights arising under any agreements entered into between you and us, including billing and collection;
Protect the integrity and maintain the security of our Website, including secured areas of our Website;
Operate, evaluate and improve our business, including conducting surveys and market research, developing new products, services, and promotions (such as special events, programs, offers, contests), analyzing and enhancing existing products, services, and promotions, managing our communications; performing accounting, auditing, and other internal functions;
Provide you with information and advertisements about products, services, and promotions, from us or third parties that may interest you; and
Administer your participation in such products, services, and promotions.

Additionally, we may use your information as described in any notice provided when you provide the information and for any other purpose for which you may provide consent.

Non-PII

Besides the uses described above, we may also use Non-PII to:

Deliver content (including advertising) tailored to your interests and the manner in which you use our Website;
Present content in a manner optimized for your device; and
Measure and analyze the effectiveness we serve you.

We may also combine technical information, or Non-PII, about your use of our Website with information we obtain from other Users to use in an aggregate or anonymous manner for similar purposes.

HOW INFORMATION MAY BE SHARED

PII

We will not sell or share your PII with third parties for the third parties’ own direct marketing purposes without your express consent. We may share your PII with:

CMS to obtain an eligibility determination for you and to enroll you in health insurance plans offered on the federal healthcare exchange, under applicable laws and regulations and benefitalign®'s contractual obligations;
If applicable, the organizations or entities on behalf of which we are providing our Website to you and/or on behalf of which you access or use our Website, such as your employer, and other companies associated with those organizations or entities to enable their systems to operate with our Website;
Third party insurance companies to which you apply for health insurance on or through our Website;
Your employer(s), affinity group, and/or benefits administrators or consultants, if you are referred to our Website by such respective parties;
If you are a licensed insurance agent using benefitalign®’s agent platform, the designated administrator of your account, if you have an individual subaccount, regarding the Services by individual subaccounts;
Your licensed insurance agent, if applicable;
Our service providers to the extent reasonably necessary to enable us to operate our business and provide our Website to you, as described in this Privacy Notice (e.g., to an email service provider to enable us to email you);
A buyer or other successor in interest to benefitalign® in the event of a merger, divestiture, restructuring, reorganization, dissolution, liquidation, or other sale of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which PII held by us about our users is among the assets transferred;
Other third parties with your express consent for any purpose disclosed by us when you provide the information; and
You, upon your written request.

We may also share PII with law enforcement agencies, government officials, or other third parties for the purpose of:

Complying with any court order, law, or legal process, including to respond to any government or regulatory request;
Preventing fraud protection and credit risk reduction;
Investigating potential unauthorized access or misuse of our Website or other breach of our Terms of Use, Supplemental Terms, Website Policies, or other agreements;
Protecting the assets or property, and enforcing the rights of benefitalign®, including for billing and collection purposes; and
Protecting the rights, property, or safety of our Users or others.

COOKIES AND BEACONS

We may use cookies, beacons, and similar automatic data collection technologies, now or to support the functionality of our Website. These technologies help us provide a better experience when you visit our Website and allows us to improve our Website. The technologies we may use for this automatic data collection may include:

Browser Cookies. A browser cookie is a small file placed on your computer’s hard drive. That cookie then communicates with our servers or those of other companies we authorize to collect data for us and allows recognition of your personal computer. We associate cookies with PII only if you use the logged-in areas of our Website, order a Service, use the personalization services available as part of our Website, or ask us to contact you with additional marketing information. We do not otherwise collect PII from browser cookies and do not associate browser cookies with your PII You may use the tools available on your computer or other devices to set your browser to refuse or disable all or some browser cookies or alert you when cookies are being set. However, if you refuse or disable all browser cookies, you may not access certain parts or use certain features or functionality of our Website. Unless you have adjusted your browser settings so it refuses all cookies, we may use cookies when you direct your browser to our Website.
Beacons. Our Website and emails may contain small electronic files known as beacons (also called web beacons, clear GIFs, pixel tags, and single-pixel GIFs) that permit us to, for example, count Users who have visited those pages or opened an email and for other Website-related statistics. Beacons in email marketing campaigns allow us to track your responses and your interests in our content, offerings, and web pages. You may use the tools in your device to disable these technologies.

Ability to Limit

You may request us to limit the collection, creation, disclosure, access, maintenance, storage, and use of your PII solely to obtain our assistance in applying for health insurance and obtaining an eligibility determination and for performing related functions authorized and specified in our agreements with the Centers for Medicare and Medicaid Services (“CMS”). To request this limitation, email to solutions@benefitalign.com.

Email Communications

You may have the opportunity to receive certain communications from us related to our Website. If you provide us with your email address to receive communications, you can opt-out of marketing emails at any time by following the instructions at the bottom of our emails and adjusting your email preferences. Certain emails may be necessary for operating our Website. You will continue to receive these emails, if appropriate, even if you unsubscribe from our optional communications.

Cookies/ Beacons

If you wish to minimize information collected by cookie or beacon, you can adjust the settings of your browsers to notify you when you receive a cookie, which lets you choose whether to accept it. You can also set your browser to automatically reject any cookies. You may also install plug-ins and add-ins that serve similar functions. However, please be aware that some features and services on our Website may not work properly if we cannot recognize and associate you with your account. In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

Do Not Track

Some browsers support a “Do Not Track” (or DNT) feature, a privacy preference that Users can set in certain web browsers, which is intended to be a signal to Websites and services you do not wish to be tracked across different Websites or online services you visit. Our Website does not currently recognize or respond to DNT signals, so DNT settings do not change the way our Website operates.

We cannot control how third-party Websites or online services you visit through our Website respond to Do Not Track signals. Check the privacy policies of those third parties for information on their privacy practices.

Text Alerts

You may have the opportunity to receive certain information, updates, and/or offers from us via text communications. If you provide us with your mobile number to receive such communications, you can opt-out of receiving text messages at any time by contacting us at solutions@benefitalign.com.

Updating Information

The accuracy of the information we have about you is important. To review, correct, or delete your PII, please update your account profile on our Website. or contact us as stated in the “Contact Us” section of this Privacy Notice.

We will retain your information for as long as your account is active or as needed to provide the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

SECURING YOUR INFORMATION

The security of your information is important to benefitalign®, and we have established administrative, technical, and physical safeguards designed to protect your PII against unauthorized alteration, access, loss, theft, use, or disclosure. Unfortunately, no system can guarantee complete security of your information. benefitalign® cannot ensure or warrant that your information, including your PII, is secure from unauthorized third parties. Thus, your use of our Website and communication with us about them is at your own risk.

You protect your password(s), and for the security of information, you transmit to us over the internet.

CHILDREN

Our Website is directed to and is intended to be used only by persons 18 years of age or older. We do not knowingly collect information from children under 18. If you are under 18, you may not register for an account or otherwise submit any PII to us, including your name, address, or email address. By registering for an account or submitting any PII to us, you represent and warrant you are 18 years of age or older.

If we discover that we have received any PII directly from a child under the age of 18, we will suspend the associated account and remove that information from our database soon. By registering for an account or submitting any PII to us, you represent and warrant that you are 18 years of age or older. To avoid doubt, this restriction does not apply to information collected from a parent or legal guardian who provides information regarding a dependent child under the age of 18 with a health insurance application or other related purpose.

LINKS TO THIRD-PARTY WEBSITES

Our Website may contain links to third-party Websites and services, including those of third-party insurance providers and advertisers. These links are provided, and information and the Websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to benefitalign® and our Website only. We accept no responsibility or liability for the policies or practices of any third parties. If you access any Websites or services linked from our Website, please check the applicable policies before you use or submit any personal data to such Website or service.

INTERNATIONAL JURISDICTIONS

Our Website is hosted in the United States (U.S.) and is subject to U.S. state and federal law. Our Website is not intended to subject benefitalign® to the privacy laws or jurisdiction of any state, country, or territory other than that of the U.S., including the European Union. benefitalign® does not represent that our Website is appropriate for any particular jurisdiction. Those who access our Website do so at their own initiative and comply with all local laws, rules, and regulations. If you are accessing our Website from other jurisdictions, you are transferring your personal information to us in the U.S., and by using our Website, you consent to that transfer and use of your personal information under this Privacy Notice. You also agree to abide by the applicable laws of applicable states and U.S. federal laws about your use of our Website and your agreements with us. Any persons accessing our Website from any jurisdictions with laws or regulations governing the use of the internet, including personal data collection, use, and disclosure, different from those of the jurisdictions mentioned above may only use our Website in a manner lawful in their jurisdiction. If your use of our Website would be unlawful in your jurisdiction, you may not use our Website.

CHANGES TO OUR PRIVACY NOTICE

benefitalign® may change this Privacy Notice occasionally. Any changes to this Privacy Notice will be reflected on this page, and the effective date will be stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all information we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. benefitalign® will always post new versions of the Privacy Notice on our Website. If an amendment materially alters your rights or obligations, we may notify you of the amendment, such as by posting a notification to the home page of our Website or sending a notification to you at the address we have on file for you, if any.

Your continued use of our Website or communication with us after the updated Privacy Notice has been posted (or any other indication of your consent) will constitute your acceptance of the updated Privacy Notice.

We may condition your continued access to our Website on your consent to changes to this Privacy Notice.

CONTACT US

If you have questions relating to this Privacy Notice, or if you would like us to update information we have about you or your preferences, please contact us by email at solutions@benefitalign.com or call us at (888) 556-3382.

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Email: solutions@benefitalign.com

Phone:(888) 556-3382

Hours of Operation: Mon-Fri 8 a.m. to 8 p.m. EST

Weekend Email support: Sat-Sun 8 a.m. to 8 p.m. EST

Terms & Conditions Privacy Policy

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Terms & Conditions

ATTENTION: These terms of use set forth the basis on which you are permitted to access and use this website, www.Benefitalign.com (the "Website"). Please read the terms of use carefully before using the Website. By accessing and using the Website in any way, including, without limitation, browsing the Website, you agree to and are bound by the terms of use described herein. If you do not agree to all the terms and conditions contained herein, do not use the Website in any manner.

1. Ownership

All copyrights and other intellectual property rights in the Website, including without limitation all software, written and graphical content included in the Website, are owned by Benefitalign, LLC (“Benefitalign”, “We” or “we”) and all rights are hereby reserved.

2. Use of Website and Documents

Benefitalign hereby authorizes you to make a single copy of the content displayed on the Website for your use in learning about; evaluating or acquiring Benefitalign services or solutions, provided (i) you mark such copy “© 2023 Benefitalign, LLC. All rights reserved.”; (ii) the use of such copy is for informational and non-commercial or personal use and will not be copied or posted on any network computer or broadcast in any media; and (iii) no modifications to such copy are made. No other permission is granted to you to print, copy, reproduce, distribute, transmit, upload, download, store, perform, display in public, alter, or modify the content contained on the Website. Accredited educational institutions, such as K-12, universities, and colleges, may download and reproduce the content displayed on the Website for distribution in the classroom. Distribution outside the classroom requires express written permission. Use for any other purpose is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. The Website may contain email services, bulletin board services, forums, communities, and/or other message or communication facilities designed to enable you to communicate with others (collectively “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper. By way of example, and not as a limitation, you agree that when using the Communication Services or the Website, you will not (i) use them in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages; (ii) defame, abuse, harass, threaten or otherwise violate the legal rights of others; (iii) publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, pornographic, racist, lewd, lascivious, excessively violent, harassing, unlawful, or otherwise objectionable topic, name, material or information; (iv) upload, or otherwise make available, files that contain material protected by intellectual property laws unless you own or control the rights thereto or have received all necessary consent to do the same; (v) advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Services specifically allows such messages; (vi) restrict or inhibit any other user from using and enjoying the Communication Services or the Website; (vii) harvest or otherwise collect information about others, including email addresses; or (viii) violate any applicable laws or regulations. Benefitalign has no obligation to monitor the Website or Communication Services. However, Benefitalign reserves the right to review materials posted to the Website and the Communication Services and to remove and/or edit any materials in its sole discretion. Benefitalign reserves the right to terminate your access to the Website and the Communication Services at any time, without notice, for any reason whatsoever. Benefitalign reserves the right at all times to disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Benefitalign’ sole discretion.

3. Trademarks / Copyrights

Benefitalign ®, the Benefitalign logo, and any other marks used on the Website are trademarks of Benefitalign or their respective owners. Such marks may not be used without the prior written consent of Benefitalign. Any use of those marks, or any others displayed on the Website, will inure solely to the benefit of their respective owners. Copyright Notice. Copyright © 2023 Benefitalign, LLC. All rights reserved.

4. Unsolicited Submission Policy

Benefitalign does not accept or consider unsolicited ideas, suggestions, materials or other information (all of the foregoing being “Submissions”). The purpose of this policy is to avoid misunderstandings or disputes with respect to the origin of ideas, products, services, and strategies of Benefitalign. Please do not send your unsolicited Submissions to Benefitalign or anyone at Benefitalign. In the event that you disregard this policy and post, upload, input, provide, submit or otherwise make a Submission to Benefitalign, (i) you will be granting Benefitalign and its affiliates permission to use your Submission in connection with the operation of its businesses (the “License”), including, without limitation, the right to copy, distribute, display, edit, reproduce, translate and reformat your Submission for both commercial and non-commercial purposes, (ii) you warrant and represent that you own or otherwise control all of the rights to your Submission, including, without limitation, the rights necessary to grant the License and (iii) any such Submissions will be considered non-confidential and non-proprietary communications. No compensation will be paid with respect to your Submission. Benefitalign will not be subject to any obligation of confidence with respect to your Submission.

5. No Lawful or Prohibited Use

You may not use the Website for any purpose that is unlawful or prohibited by the terms and conditions provided herein. You may not use the Website in any manner that could damage, disable, overburden or otherwise impair any Benefitalign server or the network(s) connected to any Benefitalign server, or interfere with any other person’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website or the computer systems or networks connected to any Benefitalign server through any means. You may not obtain any materials or information through any means not intentionally made available to you through the Website.

6. Links

Any links to third-party websites are provided for your convenience only, and Benefitalign makes no recommendation or endorsement as to such websites or the products or services offered thereon. You may link to the Benefitalign website unless notified otherwise in writing by Benefitalign. However, you may not frame the Website in a manner that may confuse Benefitalign customers, nor may you interfere or attempt to interfere in any way with the operation of the Website, including without limitation through data mining, the use of any robot, scraper or other automated devices, or circumvention or attempted circumvention of any website security features.

7. Spam Email and Postings

You agree that Benefitalign would be irreparably harmed by the use, by you or others, of the Website or facilities in connection with the transmission of spam, newsgroup postings or unsolicited email in violation of the terms of use as provided herein, and that Benefitalign is entitled to obtain injunctive relief against any such transmission (in addition to all other remedies available at law or in equity). Benefitalign reserves the right to block, filter, or delete unsolicited email.

8. U.S. Export Administration Laws and Regulations

You acknowledge and agree that material on the Website is subject to the U.S. Export Administration Laws and Regulations. Diversion of such material contrary to U.S. law is prohibited. You agree that none of the material on the Website, nor any direct product therefrom, is being or will be acquired for, shipped, transferred, or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals, nor be used for nuclear activities, chemical biological weapons, or missile projects unless authorized by the U.S. Government. You certify that you are not on the U.S. Department of Commerce’s Denied Person List or affiliated lists or the U.S. Department of Treasury’s Specially Designated Nationals List. You agree to comply strictly with all U.S. export laws and assume sole responsibility for obtaining licenses to export or re-export as may be required.

9. DISCLAIMER

Disclaimer: This website is operated by __Tenant__ and is not the Health Insurance Marketplace^® website at HealthCare.gov. In offering this website, by __Tenant__ is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace^SM website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace^SM website at HealthCare.gov.

10. LIMITATION ON LIABILITY

AS CONSIDERATION FOR YOUR USE OF AND ACCESS TO THE WEBSITE, AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT: (i) IN NO EVENT WILL BENEFITALIGN OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE OR ANY SITE LINKED TO THE WEBSITE, BE LIABLE TO YOU IN ANY MANNER WHATSOEVER FOR ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU IN RELIANCE UPON THE INFORMATION PROVIDED THROUGH THE WEBSITE; AND (ii) THE AGGREGATE LIABILITY OF BENEFITALIGN OR ANY OF ITS DISTRIBUTORS OR DEALERS, ARISING FROM OR RELATING TO THIS AGREEMENT (REGARDLESS OF THE FORM OF ACTION OR CLAIM, e.g. CONTRACT, WARRANTY, TORT, STRICT LIABILITY, NEGLIGENCE, FRAUD, AND/OR OTHERWISE) IS LIMITED TO $100; AND (iii) BENEFITALIGN SHALL NOT IN ANY CASE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, EVEN IF BENEFITALIGN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Notices of Copyright Infringement

If you believe that material posted on the Website infringes your copyright, you should provide notice of such infringement to the following person, who is Benefitalign’s designated agent for the purposes of the Digital Millennium Copyright Act (17 U.S.C. 512): contact@benefitalign.com

12. Entire Agreement

These terms of use are the entire agreement between you and Benefitalign in relation to your use of the Website, and all other representations or discussions are hereby excluded from this agreement. If any part of these terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Benefitalign’s failure to insist on or enforce strict performance of these terms shall not constitute a waiver of any breach or any future breaches thereof.

13. Governing Law and Jurisdiction

The Website is controlled and operated from within the United States, and Benefitalign does not represent that the Website is appropriate for use outside the United States. If you access the Website from outside the United States, you are responsible for compliance with any applicable local law. Your use of the Website shall be governed in all respects by the laws of the State of New Mexico, USA, without regard to choice of law provisions, and not by the United Nations Convention on Contracts for the International Sale of Goods. You agree that jurisdiction over and venue in any proceeding directly or indirectly arising out of or relating to the Website shall be in the state or federal courts located in Bernalillo County, New Mexico, USA.

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