By accessing and using our BenefitGuide.com website ("Site") that we own and operate, and which offers rewards through Drawings to users that join for free to become members ("Members"), you agree to the terms of this Policy. If you do not agree to and accept these terms in their entirety, please do not use or visit the Site, join as a Member, or participate in the Community or Drawings. In this Policy, we also describe additional rights that California users have under the California "Shine the Light" law.
How We Collection Information and the Types Collected. We and our marketing partners and Related Parties collect Information in a number of different ways. We collect Information when a user registers as a Member on our Site and provides us identifying PII such as their name, email, address, telephone number, and gender. We also use technological means to collect Information about a user such as the type of device and browser they are using, where they were browsing before they arrived at our Site, their IP address and, if a user is on a mobile device, which carrier they use. This Information may be supplemented or verified by third-party services.
If you reached the Site by clicking on a link or an ad from another website or from an email sent from one of our marketing partners, then we may also capture that information to understand the interests of our users and to keep track of third parties who direct users to our Site. Members may supply Information through our Forum, or dynamically determined quiz and poll questions. We associate this Information with the Member’s PII, as well as track and record a Member’s behavior while on our Site and associate it with the Member’s PII, so that we can determine eligibility for Drawings.
In order for a Member to take full advantage of the Site, we ask Members to voluntarily provide their PII to us. If a Member chooses not to provide us with their PII by simply not entering it on the Site or not otherwise providing it to us, the Member will not be able to access or use certain of the services or features available through the Site.
How We Use the Information We Collect. We may use the Information (whether PII or non-PII) that a Member provides us to, among other things:
Assist with site operation and other communication services. We may share Information with third-parties, including vendors and contractors who provide services to us;
Help administer and protect the security of the Site and provide communication and other services and, in that regard, may share Information with third parties, including vendors and contractors who provide services to us;
Determine if a Member is eligible for Drawings;
Process or complete transactions that a Member requests, including providing a Member’s Information to Related Parties and other third parties;
Contact Members regarding customer service and administrative issues, such as questions about a Member’s specific request, or otherwise respond to a Member’s comments or requests;
Send Member emails with information and offers from us, our marketing partners and/or Related Parties;
Maintain suppression or opt-out lists that we may share with third parties so that a Member is not contacted when the Member has asked not to be;
Develop and/or enhance products and/or services by our Related Parties and/or third parties;
Make telephone calls and send text messages to a Member with information and offers provided a Member consents to be marketed to in this manner as described further below;
Compile anonymous statistical information and analysis which may be provided to Related Parties and other third parties;
Track online behavior for behavioral advertising and other marketing purposes. If a Member joins the Community on our Site, the Member may receive relevant third-party daily emails from that Website, its exclusive emailing partner and other websites we or our Related Parties own and/or operate;
Provide, sell, or rent a Member’s Information to Related Parties and other third parties for advertising purposes;
If we are sold, merge with a third party, are acquired or are the subject of bankruptcy proceedings, a Member’s Information may be shared with the applicable third party(ies); if we are involved in one of these transactions, Members will be notified via email and/or a notice on our Site of any change in ownership or uses of Information, as well as any choices that you may have regarding your Information;
Respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims or when we determine it is necessary to comply with applicable laws or regulations; where permitted by applicable law, we will provide a Member with email notice, and opportunity to challenge the applicable subpoena/request prior to disclosure of any Information; and
Permit a Member to access certain web-based programs or applications on the Site.
Third Party Analytics. We may use Google Analytics and similar tools provided by our third-party partners to help analyze how Users interact with the Site and display customized ads and other content to our Users during a current browsing session or in the future when the User is online. These analytics are performed by using the technological means described above to monitor a User’s interactions with the Site and do not involve the collection of any additional PII.
Other Web Sites; Links. We and our Related Parties and marketing partners may advertise and promote the Site and we may permit our marketing partners to place ads and other content, including links to other websites, on the Site. While we try to post links only to third-party websites that share our respect for privacy, this Policy and our privacy practices do not extend to and may differ from those of third-party websites that can be accessed through links on this Site. You should review the applicable privacy policies of the third-party websites before registering with, providing Information to or navigating those websites.
Site Policy Regarding Children and Non-US Residents. The Site is intended to comply with the Children's Online Privacy Protection Act (COPPA). COPPA requires that web site operators never knowingly collect PII from anyone under the age of 13 without prior verifiable parental consent. We do not knowingly collect or retain information from the Site from children under the age of 18 except we may collect a limited amount of Information from Users who are over 13. The Websites are intended for use by U.S. residents who are not minors. If you are a minor, not a U.S. resident (no Canadian residents permitted), or do not agree with this Policy’s terms, please do not access or use our Site.
Telephone Consumer Protection Act. We may seek your consent to receive telemarketing calls from us, our Related Parties and marketing partners in accordance with the rules under the Telephone Consumer Protection Act ("TCPA"). If you provide your express consent via your electronic signature for TCPA purposes, even if your mobile or landline telephone number is listed on the federal or a State’s Do-Not-Call Registry, you expressly consent to; (a) receive telemarketing calls, text (SMS) messages, and any other means of communication that your wireless device may be capable of receiving (e.g. mms, video etc.) from the persons named in the consent (including through the use of automated dialing equipment); and (b) receive future information about products and services from us, our marketing partners, Related Parties and other third parties to whom we may provide your Information via other means such as email. You may revoke your consent to be contacted in this manner by any reasonable means at any time (see the Opting-Out section below). By agreeing to this Policy, you are obligated to immediately inform us if the telephone number that you provided us changes. If you: (a) have your telephone number reassigned to another person; (b) give up your telephone number; (c) port your telephone number to a landline or vice versa; or (d) otherwise stop using that telephone number, you agree to promptly contact us here. Merely accessing our Site without providing your express written consent for TCPA purposes does not constitute your consent to receive telemarketing calls.
Users may revoke their consent to receive telemarketing calls from us and/or the persons named in our marketing partners indicating they do not want to receive any further telemarketing from us or the persons named in the consent.
Wellness Information. Our polls, quizzes, and surveys may ask health-related questions which we may share with our third-party marketing partners who advertise health-related products and services on our Site or who otherwise promote health-related products or services. We will use this health information only with your consent and to display offers for health-related products and services or to provide Information to these providers so they can contact you. You may always request modification or suppression of your information by contacting us here.
Security of Your Information. We use commercially reasonable efforts to prevent unauthorized access or disclosure, or accidental loss or destruction of your Information. We currently do not encrypt Information that we store except for health-related information. Given the nature of the Internet, your Information passes through entities that we are unable to control. Therefore, we cannot guarantee that our security measures or those of our Related Parties or third parties who access or transmit your Information will prevent your Information from being illegally accessed, stolen or altered.
Accessing, Correcting and Deleting Your Information. All Members who provide their Information to us may modify and correct their Information by contacting us here. We will respond to your request within thirty (30) days. If you request deletion of your Information, please note that your Information will be suppressed from further use as described in this Policy. However, we will retain and may use your Information as necessary to comply with our policies including legal obligations, dispute resolution and enforcement of our agreements.
We ask individual Users to identify themselves and the Information requested to be accessed, corrected or deleted (suppressed) before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning Information residing on backup tapes).
Please be advised that deleting (suppressing) your Information may terminate your access to certain of our offerings. If you wish to continue using the full complement of our services, you may not be able to delete (suppress) all of the Information that we have on file for you.
Your California Privacy Rights. The California "Shine the Light" law permits Users who are California residents to request information regarding our disclosure of their Information to third parties including the categories of Information shared and a list of the names and addresses of third parties with whom the Information was shared. If you are a California resident and would like a copy of this notice, please send a request by clicking here and identify that it is a "Shine the Light Request." Most browsers contain a "do-not-track" setting. In general, when a "do-not-track" setting is active, the user’s browser notifies other websites that the user does not want their personal information and online behavior to be tracked and used, for example, for behavioral advertising. As required by the Shine the Light law, we are required to inform you that, as is the case with most websites, we do not honor or alter our behavior when a user to one our Site has activated the "do-not-track" setting on his/her browser.
Questions, Suggestions, or to Contact Us. For additional Information or if you have any questions, comments, complaints, or suggestions regarding our Policy or our Site, please contact us here.