The information available through the Services is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. All content, including text, graphics, images and information, contained on or available through the Services are for general information purposes only. Bennie makes no representation and assumes no responsibility for the accuracy of information contained on or available through the Services, and such information is subject to change without notice. You are encouraged to confirm any information obtained from or through the Services with other sources, and review all information regarding any medical condition or treatment with your physician. NEVER DISREGARD PROFESSIONAL MEDICAL ADVICE OR DELAY SEEKING MEDICAL TREATMENT BECAUSE OF SOMETHING YOU HAVE READ ON OR ACCESSED THROUGH THE SERVICES. IF YOU EXPERIENCE A MEDICAL EMERGENCY OR IMMEDIATE NEED FOR CARE, DIAL 911 OR CONTACT YOUR LOCAL EMERGENCY SERVICES.
Bennie does not recommend, endorse or make any representation about the efficacy, appropriateness or suitability of any specific tests, products, procedures, treatments, services, opinions, health care providers, health insurers, health plans, or other information that may be contained on or available through the Services. Bennie IS NOT RESPONSIBLE NOR LIABLE FOR ANY ADVICE, COURSE OF TREATMENT, DIAGNOSIS OR ANY OTHER INFORMATION, SERVICES OR PRODUCTS THAT YOU OBTAIN THROUGH THE SERVICES.
COLLECTION AND USE OF PERSONAL INFORMATION AND OTHER DATA
User Account Information: In order to use the Services, users will be required to have a valid Bennie account to log in to the Website (an “Account”). In connection with its provision of the Services, Bennie collects your name, email address, birth date, gender, zip code, your business phone number and business address (“Account Information”). Bennie will also have access to information about your use of the Services such as information provided by your employer, insurance information and any other information that you may upload.
Bennie collects Personal Information in the following general ways:
- Bennie collects Personal Information provided by your employer or insurance carrier, such as your name, address, date of birth, social security number, email address, benefit plan elections, and insurance plan identification number.
- Bennie collects Personal Information you knowingly choose to submit to us through the Services, such as questions you submit through the “Ask Bennie” feature about your benefit programs or about how to use and access certain healthcare services.
- When you access or use the Services, Bennie may automatically receive and record information on our server logs from your browser, including your IP address, cookies, and the pages you request. IP addresses are automatically reported by your browser each time you view a web page. Your IP address is stored by Bennie when you register with Bennie.
- If you click on any links to purchase insurance products directly from the insurance provider or their broker, Bennie will retain a record of links you may click on, but we do not retain any information about products purchased through such third-party links.
Generally, Bennie uses the Account Information (including Personal Information) to deliver the Services to you, to improve the delivery of our Services and related products and services, to conduct our business, to develop analytics and aggregated data that allow us to improve our Services and related products and services, or to correspond with you. Specifically, Bennie uses Personal Information to:
- Authenticate access to the Account and provide access to the Services;
- Provide, operate, maintain and improve the Services;
- Send technical notices, updates, security alerts and support and administrative messages;
- Provide and deliver the Services and features you request, process and complete transactions, and send you related information, including confirmations and invoices;
- Respond to comments, questions, and requests and provide customer service and support;
- Communicate with you about services, features, surveys, newsletters, offers, promotions, contests and events, and provide other news or information about us and our select partner
- Investigate and prevent fraudulent transactions, unauthorized access to the Services, and other illegal activities;
- Personalize and improve the Services, and provide content, features, and/or advertisements that match your interests and preferences or otherwise customize your experience on the Services;
- Monitor and analyze trends, usage, and activities in connection with the Services and for marketing or advertising purposes;
- Link or combine with other information we receive from third parties to help understand your needs and provide you with better service;
- Obtain pricing and proposals from insurers, partners, and other employee benefit vendors for review and selection by your employer;
- Enable you to communicate, collaborate, and share files with users you designate; and
- For other purposes about which we will notify you about and seek your consent.
Bennie may use aggregated and de-identified information, including but not limited to, employer, employee and benefit plan data, in order to provide benchmarking and analytics reports to employers, insurers, health care providers, and other third parties.
Prospective Customers: We collect names, email addresses and other business contact information about individuals who we consider to be prospective Customers and business partners (“Prospects”). We may also collect Personal Information provided by your employer, such as your name, address, date of birth, social security number, email address, and benefit plan elections.”
We may use third-party service providers in order to collect, store and process Personal Information about Prospects. We use these third-party service providers to identify Prospects and locate contact information to contact Prospects about our products and services.
Website Visitors and App Users: As you use the Services, we collect information about the device and browser you use, your network connection, your IP address, and information about the cookies installed on your device. This information is logged to help diagnose technical problems for analytics and for quality control purposes. We also collect Personal Information submitted by any user of our Services through messaging features we make available and use such information for the purpose of responding to your requests. Where third party services providers will have access to Protected Health Information, we require them to enter into a written agreement with us that requires them to comply with HIPAA.
On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive a notification when you are receiving a new cookie and how to turn cookies off. Please see the links below for guidance on how to modify your web browser’s settings on the most popular browsers:
- Microsoft Edge
- Mozilla Firefox
- Google Chrome
- Apple Safari
Please note, however, some features of Products and Services may not function properly if your cookies are disabled. You may be able to set your browser to notify you when you are sent a cookie. This gives you the chance to decide whether or not to accept it. If you disable cookies, you may not be able to take advantage of all the features of the Website and/or Services. We do not link any of the information we use in cookies to any personally identifiable information submitted by you when you are on the Website. Bennie also combines data derived from our usage of cookies with Account Information of registered users for the purposes set out above.
Marketing and Other Communications. We may use your Personal Information to contact you to tell you about products or services we believe may be of interest to you. For instance, when you enroll and provide your email address, or if your employer provides us with your email address, we may use that information to send you special offers. You may opt out of receiving emails by following the instructions contained in each promotional email we send you. If you provide your telephone number, you acknowledge and agree that we may contact you, including but not limited to for promotional, informational and other purposes, cellular or telephone calls, and push notifications (if applicable) even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company, and that such messages and calls may be sent using automatic dialing systems or artificial or prerecorded voice messages, as detailed in the Terms of Service. You are not required to consent to receive promotional messages or phone calls as a condition of using the Service. You can also control the marketing emails and push notifications you receive by updating your settings through your account. In addition, if at any time you do not wish to receive future communications, you may contact us using the contact information at the end of this Policy. If you unsubscribe from our marketing lists, you will no longer receive marketing communications but we will continue to contact you regarding management of your account, other administrative matters, and to respond to your requests. We will not use your Protected Health Information for marketing purposes, unless you provide express consent to do so.
Log Files: Like many internet and mobile services, we may automatically gather certain information about our Services traffic and store it in log files. This information includes mobile device identifiers, browser type, IP address, mobile or internet service provider, referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the Services, to track users’ movements around the Services, and to gather demographic information about our user base.
We also store in our log files information identifying users who have accessed data that we store about employers and their employees, and any changes they make to such data. We use this information to comply with legal obligations relating to such data and to keep a record of such changes. We may also use it to improve our Services.
We may link this automatically collected data to Personal Information. Device identifiers may be tied to Personal Information to troubleshoot access issues.
STORAGE LOCATION AND TRANSFER OF PERSONAL INFORMATION
Bennie processes and stores its data, including Personal Information, on HIPAA-compliant cloud servers located in North America. Bennie also transfers data to the third-party service providers described in this policy. The Services are intended for use by United States residents, and the Services are not directed to individuals outside the United States. By using our Services, you understand and acknowledge that your Personal Information will be transferred from your location to our facilities and servers in the United States.
By submitting Personal Information or otherwise using the Services, you agree to this transfer, storing or processing of your Personal Information in the USA. You acknowledge and agree that your Personal Information may be accessible to law enforcement and governmental agencies in the United States under lawful access regimes or court order.
DISCLOSURE OF PERSONAL INFORMATION TO THIRD PARTIES
Your Consent to Share: By providing any Personal Information to us, you fully understand and unambiguously consent to the transfer of such Personal Information and the collection and processing of such Personal Information to third party insurance companies, benefit administrators, vendors or other third parties as described in the Terms of Service. We may share aggregated data to conduct our business, improve the delivery of our Services, to develop analytics, and to enable us and our partners to improve and promote our products and services.
Service Providers and Business Partners: We may from time to time employ third parties to perform tasks on our behalf and we may need to share Account Information and other Personal Information with them to provide certain services, including third party providers of voluntary insurance policies, products, and services. Unless we tell you differently, such third parties do not have any right to use the Personal Information we share with them beyond what is necessary for them to provide the tasks and services on our behalf. These third parties may also be required to comply with the restrictions set forth under HIPAA. We currently engage third party companies and individuals employed by us to facilitate our Services, including the provision of maintenance services, database management, Web analytics and general improvement of the Services, and businesses who engage our Services (to the extent provided for above).
Business Transfers: If our business (or substantially all of our assets or stock) are acquired by a third party, or if we go out of business, enter bankruptcy, or go through some other change of control, Personal Information may be made available or otherwise transferred to the new controlling entity, where permitted under applicable law.
As Required by Law: We may disclose Personal Information to third parties without your consent if we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other end users, or anyone else (including the rights or property of anyone else) that could be harmed by such activities. Further, we may disclose Personal Information when we believe in good faith that such disclosure is required by and in accordance with the law. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process or governmental request; (ii) enforce our contracts or user agreement, including investigation of potential violations hereof; and (iii) detect, prevent, or otherwise address fraud, security or technical issues. We may disclose Personal Information if we believe it is necessary to investigate potential violations of our Terms of Service, or to enforce those Terms of Service. The above may include exchanging information with other companies and organizations for fraud protection and spam/malware prevention. Notwithstanding the general terms of this policy, the collection, use, and disclosure of Personal Information may be made outside of the terms herein to the extent provided for in any applicable privacy or other legislation in effect from time to time, or pursuant to court orders.
ACCESS, CORRECTION AND ACCURACY
You have the right to access the Protected Health Information we hold about you in order to verify the Personal Information we have collected in respect to you and to have a general account of our uses of that information. Upon receipt of your written request, we will provide you with a copy of your Personal Information, although in certain limited circumstances, and as permitted under law, we may not be able to make all relevant information available to you, such as where that information also pertains to another user. In such circumstances we will provide reasons for the denial to you upon request. We will endeavor to deal with all requests for access and modifications in a timely manner.
While Bennie may collect information regarding children under the age of 13 in the event they are the dependent of an employee enrolling in their employer’s benefits program, Bennie 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. If you become aware that your child has provided us with Personal Information without your consent, please contact us at Askbennie@Bennie.com. If we become aware that a child under 13 has provided us with Personal Information, we will take reasonable steps to remove such information from our systems and terminate the applicable account.
You use the Service at your own risk. We implement commercially reasonable technical, administrative, and organizational measures to protect Personal Information both online and offline from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mail sent to may not be secure, though we employ end-to-end encryption for any emails originating from Bennie. Therefore, you should take special care in deciding what information you send to us via the Service or e-mail. Please keep this in mind when disclosing any Personal Information, including Protected Health Information, to us via the Internet. In addition, we are not responsible for circumvention of any privacy settings or security measures contained in the Services, or third party websites.
TERMS OF SERVICE
Please also visit our applicable Terms of Service, which govern the use of our Services.