iNBenefits Privacy Policy

At iNBenefits, safeguarding your personal information is a core commitment. This Privacy Policy outlines how we collect, use, protect, and share your information when you visit iNBenefits.com or engage with our services. By using our website, submitting your information, or working with us, you agree to the practices described here.

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Information We Collect

We may collect both personal and non-personal information directly from you through applications, online forms, account portals, and direct communications. The types of information we gather can include:

• Full name

• Home or mailing address

• Date of birth

• Social Security number

• Medicare ID number

• Contact information (phone number, email address)

• Employment and income details

• Insurance and financial plan information

• Health-related data (also known as Protected Health Information or PHI)

We also use cookies and similar tracking technologies to enhance your experience on our website. These tools collect browser and usage data but do not personally identify you or access sensitive information.

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How We Use Your Information

Your information is collected and used to:

• Provide insurance and financial products tailored to your needs

• Service and administer your accounts and policies

• Comply with legal and regulatory obligations

• Improve our services, site functionality, and security

• Communicate important updates regarding your benefits, policies, or account status

We prioritize using your information only for purposes that directly support your experience with iNBenefits.

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Information Sharing Practices

We do not sell your personal information. However, we may share data with:

• Affiliated companies within the iNBenefits network

• Trusted partners and service providers who help manage your insurance or benefits

• Regulators, courts, or government agencies when legally required

• Employers or plan sponsors, if your benefits are offered through a group or employer-sponsored plan

Phone numbers collected for SMS communication are never sold or shared with unrelated third parties. SMS messages are strictly used by iNBenefits and its affiliated service partners.

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Your Rights and Choices

You have rights regarding your personal information, including:

• Accessing, updating, or requesting deletion of your information

• Revoking consent for certain types of data use, subject to legal allowances

• Opting out of marketing communications by clicking "unsubscribe" in our emails or contacting us directly

Please be aware that revoking certain permissions may impact our ability to deliver or maintain your insurance coverage.

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Data Security

We take the security of your personal and health information seriously. iNBenefits uses a combination of physical, technical, and administrative safeguards to protect your data, including:

• HIPAA-compliant systems for handling PHI

• Encryption of data both in transit and at rest

• Strict access controls and ongoing security audits

We retain your personal data for up to ten (10) years, unless a longer period is required by law. Once no longer needed, information is securely destroyed using certified digital and physical disposal methods, including deletion of backups and encryption keys.

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Special Handling of PHI and PII

We will only share your Protected Health Information (PHI) and Personally Identifiable Information (PII) outside of necessary or legally permitted situations with your written authorization. You can revoke prior consent or request corrections to your information by contacting your iNBenefits representative.

Requests to access your data are processed within 45 business days, and correction requests are reviewed within 30 business days.

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Cookies and Website Tracking

Cookies on iNBenefits.com are used to:

• Support essential website functions

• Remember your preferences and settings

• Help us understand website usage to improve performance

We do not use cookies to identify individuals or track personal data.

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Children’s Privacy

Our services are intended for individuals over the age of 13. We do not knowingly collect or retain information from children under 13 years of age.

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Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in technology, laws, or our business practices. When updates are made, we will revise the "Effective Date" and post the updated version online. If any significant changes are made that affect your rights, we will seek your consent where required.

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If you have any questions about this Privacy Policy or your personal information, please contact our Privacy Officer at:

Email: info@iNBenefits.com