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The Benefits Specialist,LLC Privacy Policy

Welcome to Benefits Specialist LLC website () (the "Site") owned by  Benefits Specialist LLC. (the “Company”) () We understand that privacy online is important to users of our Site, especially when conducting business. This statement governs our privacy policies with respect to those users of the Site ("Visitors") who visit without transacting business and Visitors who register to transact business on the Site and make use of the various products and services (collectively, "Services") offered by (the “Company”) ("Authorized Customers").

Personally Identifiable Information

refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, and credit card information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.

What Personally Identifiable Information is collected?

We may collect basic user profile information from all of our Visitors. We collect the following additional information from our Authorized Customers: the names, addresses, phone numbers and email addresses of Authorized Customers, the nature and size of the business, and the nature and size of the advertising inventory that the Authorized Customer intends to purchase or sell.

We may collect the following personal information from you from our Services:

Contact information such as name, email address, mailing address, mobile/cell phone number and phone number;

Billing information such as payment card number and billing address;

Unique identifiers such as user name, account number, and password;

Preference information such as marketing preferences;

Account information including information entered in website forms or when creating or using accounts;

Information associated with your inquiries to us;

Information associated with your web transactions with us, or our affiliates such as information (via “pixel tags”) about how emails we have sent have been accessed. Third party advertisers or data analytics providers also gather similar information and/or match this information to that from other sources;

Basic data passed during text message transmission (including, but not limited to, message content, photos, files, and message count/volume);

Mobile device information including mobile device identification, service provider, and location;

Information about your mobile device, use of our app, or app performance

Information or feedback provided through e-mail, voice, letter, or online posting;

Data (including phone number, transmission, and message data) from general text messaging users who send messages to users of our Services.

We collect other information relating to your interactions with our Services including:

Clicking, browsing, and use data/patterns (including, but not limited to, information gathered through “cookies” and “pixel tags”); and

Information about your IP address, browser, internet service provider, pages, operating system, date/time stamps, and click stream data.

How do we use your information?

We may use your information for any lawful purpose, including the following:

To create and maintain your account;

To process and fulfill your orders, including to send you emails to confirm your order status, and to provide other related communications;

To respond to your inquiries or support tickets;

To provide products and services you request, including to provide publications to which you subscribe;

To operate, personalize, and improve the Services, including for analytics purposes;

To send Benefits Specialist, LLC or client or affiliate promotions and marketing materials that may be of interest to you;

To contact you for phone number verification, enrollment/activation activities, encouraging or enabling your use of the Services including, but not limited to, specific features, to address possible inappropriate use, or at our Company’s discretion;

For our other business purposes, such as research, payment processing, and operational purposes;

To comply with the law and to maintain the security of our Services;

With your consent, or as otherwise disclosed at the time information is collected.

What organizations are collecting the information?

In addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect this information from our Visitors and Authorized Customers. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them from Visitors and Authorized Customers. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information given to them.

How does the Site use Personally Identifiable Information?

We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfill buying and selling requests on the Site. We may email Visitors and Authorized Customers about research or purchase and selling opportunities on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Authorized Customers in response to specific inquiries, or to provide requested information.

With whom may the information be shared?

Personally Identifiable Information about Authorized Customers may be shared with other Authorized Customers who wish to evaluate potential transactions with other Authorized Customers. We may share aggregated information about our Visitors, including the demographics of our Visitors and Authorized Customers, with our affiliated agencies and third party vendors. We also offer the opportunity to "opt out" of receiving information or being contacted by us or by any agency acting on our behalf.

Credit card processing is not done directly by the “Company”) and no employee of the “Company”) has access to any confidential credit card or payment information unless you specifically give us access to the information by sending it to us.

Payments are processed wither through Paypal (https://www.paypal.com/us/home) or thru Stripe (https://stripe.com/) or Square (http://square.com) depending on what payment option the “Authorized Customer” selected at the time of check out. We are governed by their terms of service and privacy policies for payment processing.

How is Personally Identifiable Information stored?

Personally Identifiable Information collected by the “Company” is securely stored and is not accessible to third parties or employees of the “Company” except for use as indicated above.

What choices are available to Visitors regarding collection, use and distribution of the information?

Visitors and Authorized Customers may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by contacting us at tammy@benefitsspecialistllc.com.

Are Cookies Used on the Site?

Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Visitors and the services they select. We also use Cookies for security purposes to protect our Authorized Customers. For example, if an Authorized Customer is logged on and the site is unused for more than 10 minutes, we will automatically log the Authorized Customer off.

How does the “Company” use login information?

the “Company” uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user's movement and use, and gather broad demographic information.

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Authorized Customers on the Site?

the “Company” has entered into and will continue to enter into partnerships and other affiliations with a number of vendors. Such vendors may have access to certain Personally Identifiable Information on a need to know basis for evaluating Authorized Customers for service eligibility. Our privacy policy does not cover their collection or use of this information. Disclosure of Personally Identifiable Information to comply with law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Visitors and Authorized Customers.

How does the Site keep Personally Identifiable Information secure?

All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Authorized Customers for any such occurrences.

How can Visitors control and or correct any inaccuracies in Personally Identifiable Information?

You have control over your personal information and how it is collected, used, and shared. For example, you have a right to:

Change or correct personal data. You can edit any personal data with us by emailing tammy@benefitsspecialistllc.com. Access and take your data. You can also ask us for a copy of personal data you provided to us by emailing tammy@benefitsspecialistllc.com and we will get back to you within 30 days.

Ask us to stop using or limit our use of your personal data in certain circumstances—for example, if we have no lawful basis to keep using your data, or if you think your personal data is inaccurate.

Object to our use of your personal information for marketing purposes. You can ask us to stop sending you marketing messages at any time by emailing us at tammy@benefitsspecialistllc.com, replying stop to any email or sms text message or by simply clicking the Unsubscribe link in any email you receive.

Ask us to delete your data. You have a right to be forgotten and request your personal information on file be deleted by contacting us at tammy@benefitsspecialistllc.com. You may "opt-out" of any text or SMS communications by replying with the word STOP or by following other specific instructions as provided. You may "opt-out" or email communications by following the unsubscribe link at the bottom of the email. Please note you may have subscribed to more than one email list that we maintain. You can unsubscribe from one or more lists or all lists. Visitors and Authorized Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at tammy@benefitsspecialistllc.com.

Can a Visitor delete or deactivate Personally Identifiable Information collected by the Site?

We provide Visitors and Authorized Customers with a mechanism to delete/deactivate Personally Identifiable Information from the Site's database by contacting

tammy@benefitsspecialistllc.com. However, because of backups and records of deletions, it may be impossible to delete a Visitor's entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.

What happens if the Privacy Policy Changes?

We will let our Visitors and Authorized Customers know about changes to our privacy policy by posting such changes on the Site. However, if we are changing our privacy policy in a manner that might cause disclosure of Personally Identifiable Information that a Visitor or Authorized Customer has previously requested not be disclosed, we will contact such Visitor or Authorized Customer to allow such Visitor or Authorized Customer to prevent such disclosure.

Links:

This web site contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours. It is possible that Benefits Specialist LLC may earn an affiliate commission or revenue from visitors clicking a link on our website.

Updated 09/26/2024

Benefits Specialist LLC Website Agreement

The Web Site (the "Site") is an online information service provided by The Koehler Insurance Agency (“The Company”), subject to users of the Site ("Visitors"), compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using the site by accessing or using the site, you agree to be bound by the terms and conditions set forth below. if you do not wish to be bound by these terms and conditions, you may not access or use the site. Benefits Specialist LLC  may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement on the site. You agree to review the agreement periodically to be aware of such modifications and your continued access or use of the site shall be deemed your conclusive acceptance of the modified agreement.

1. Copyright, Licenses and Idea Submissions.

The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are “The Company”, its affiliates or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to “The Company” a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, testimonials, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to tammy@benefitsspecialistllc.com by all means and in any media now known or hereafter developed. You also grant to “The Company” the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against “The Company” for any alleged or actual infringement or misappropriation of any proprietary right in your communications to “The Company”.

TRADEMARKS

Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of “The Company”. Other product and company names mentioned in the Site may be the trademarks of their respective owners.

2. Use of the Service or Site.

You understand that, except for information, products or services clearly identified as being supplied by “The Company”, “The Company” does not operate, control or endorse any information, products or services on the Internet in any way. Except for “The Company” – identified information, products or services, all information, products and services offered through the "Site" or on the Internet generally are offered by third parties, that are not affiliated with “The Company” a. You also understand that “The Company” cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

You assume total responsibility and risk for your use of the site and the internet. “The Company” and the “Site” provides the site and related information "as is" and does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service, any merchandise information or service provided through the service or on the internet generally, and “The Company” shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the service or on the internet generally. “The Company” does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected.

You understand further that the pure nature of the internet contains unedited materials some of which are sexually explicit or may be offensive to you. Your access to such materials is at your risk. “The Company” has no control over and accepts no responsibility whatsoever for such materials.

Limitation of liability

In no event will “The Company” and/or the “Site” be liable for (i) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if “The Company” and/or the “Site” or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, “The Company” and/or the “Site” liability is limited to the greatest extent permitted by law.

“The Company” and/or the “Site” makes no representations whatsoever about any other web site which you may access through this one or which may link to this Site. When you access a non- “The Company” and/or the “Site” web site, please understand that it is independent from “The Company” and/or the “Site”, and that “The Company” and/or the “Site” has no control over the content on that web site. In addition, a link to a “The Company” and/or the “Site” web site does not mean that “The Company” and/or the “Site” endorses or accepts any responsibility for the content, or the use, of such web site.

3. Indemnification.

You agree to indemnify, defend and hold harmless “The Company” and/or the “Site”, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Third Party Rights.

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of “The Company” and/or the “Site” and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5. Term; Termination.

This Agreement may be terminated by either party without notice at any time for any reason. No refunds for any services rendered and delivered to the client unless there is a written agreement for the terms of the limited refund. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

6. Miscellaneous.

This Agreement shall all be governed and construed in accordance with the laws of USA applicable to agreements made and to be performed in USA. You agree that any legal action or proceeding between “The Company” and/or the “Site” and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in USA . Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or

cause of action arises or such claim or cause of action is barred. “The Company” and/or the “Site” 's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement.

“The Company” and/or the “Site” may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.