Privacy Policy

Your privacy is important to you and to us. Protecting your private information is our priority. This privacy policy describes how Group Benefit Options, LLC and its subsidiaries, InsurIQ, LLC and ZON Re-USA, LLC (“GBO”), collects, uses and shares the personal information you provide. By using this website, you consent to the data practices described in this statement. Federal and state law gives consumers the right to limit some but not all sharing.

TYPES OF PERSONAL INFORMATION WE COLLECT

We do not collect any personal information about you unless you voluntarily provide it to us. We collect various types of non-public personal information from customers of our web site depending on the type of product or service purchased. This may include such information as:

• Name, address, email address, date of birth, telephone number, social security number and medical history information.
• Information related to spouses, children and other dependents including, but not limited to, name, address, date of birth, social security number and medical history information.
• Payment information such as credit card numbers and expiration dates.

HOW WE USE PERSONAL INFORMATION

We use personal information provided by individuals who visit our web site to fulfill the purpose for which the customer provided the information. Uses of personal information include:

• For everyday business transactions including processing transactions for products or services you select, maintaining your account(s) and to respond to court orders and legal investigations.
• For marketing purposes regarding products and services we think may be of interest to you.
• Providing a quotation(s) for a product(s) or a service(s) selected by you.
• Communications with you in relation to the products and/or services you have requested.
• Removing personal identifiers such as your name for purposes of market research, tracking site usage or aggregating information.
• We do not share or sell your information for any business purpose with regard to our affiliates.

DISCLOSURES TO THIRD PARTIES

We work with nonaffiliated third parties with whom we have marketing or other business relationships to provide insurance and non-insurance products and/or services. When the user signs up for these products and/or services, we will share names, or other contact information that is necessary for the third party to provide these products and/or services. These parties are not allowed to use personally identifiable information except for the purpose of providing these products and/or services. Those nonaffiliated third parties can include but are not limited to:

• Website hosting or information technology consulting service provider
• Insurance companies
• Non-insurance product companies (ex. fraud protection, discount plans)
• Marketing and promotion service providers
• Data analysis service providers
• Accounting service providers
• Administrative service providers
• Application service providers
• Reporting transaction information including premiums and the payment thereof, a change in dependents or beneficiaries or their status and policy purchase, inception and termination dates.

LINKS TO OTHER WEBSITES

This website may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

NONAFFILIATED THIRD PARTIES

If we disclose your information to a third party, we will ensure that the third party has agreed to adequate security of your information. You may limit our sharing of your personal information to nonaffiliated third parties to market to you.

CHILDREN'S PRIVACY

This site is not directed to or intended for use by children. Group Benefit Options, its affiliates, agents or assigns, does not knowingly collect or post information from children under the age of 13 in compliance with laws protecting the privacy of children. You can visit the Federal Trade Commission’s website to learn more about the Children's Online Privacy Protection Act (COPPA).

CHOICE/OPTING-OUT

You may choose to restrict our use of your information. If you are a user of our web site or services, you may restrict distribution of your information by indicating such restrictions in your account when asked. On our web site, you have the option to remove your name and personal information from any information that may or may not be disclosed to a third party.

You may exercise your choice to "opt-out" of providing personal information in many ways. When selecting to use certain services or features of our web site, you can choose whether to share personal information with respect to the particular service or feature. If you receive communications from us that you do not want to receive, you can opt-out from receiving these communications by deleting your registration profile from our database or specifically telling us to stop sending them to you.

We will not use your information for any purpose other than for those purposes you have authorized and we will not use your information for a purpose that is incompatible with the purpose for which it was originally authorized by you. We will treat as sensitive any information that we receive from a third party where the third party treats and identifies it as sensitive.

ACCESS

You can access your information by logging into your account on the web site. Once there, you can modify, correct, amend or delete your information.

SECURITY

Your account containing your information is password protected. Only those who log on with your password can access your account. GBO secures your personal information from unauthorized access, use, or disclosure. When personal information is transmitted to other websites, it is protected through the use of encryption, such as Secure Sockets Layer (SSL) protocol. We have taken appropriate security measures to protect your personal information from loss, misuse and/or unauthorized access, disclosure, alteration and destruction.

DATA INTEGRITY

We make every effort to ensure that your information is reliable for the use you intend, and that it is accurate, complete, and current. To assist us in ensuring that your information is relevant on an on-going basis for its intended purposes, we encourage you to update your information on the web site as frequently as is necessary.

You have the right to know what personal information we have about you that we can reasonably locate and retrieve and to know the identity of any person or entity to whom information has been disclosed. If you believe the information about you is inaccurate you have the right to request a correction. Please make all inquiries or requests in writing to:

Group Benefit Options
Attn: Chief Administrative Officer
Two Corporate Drive - Suite 636
Shelton, CT 06484

COOKIES

A cookie is a small data file that certain web sites write to your computer's hard drive when you visit those sites. A cookie file can contain information such as a user ID that a web site uses to track the pages you have visited, often referred to as “tracking cookies.” We do not use or knowingly allow tracking cookies. We do utilize authentication cookies in order to enhance your experience on our web site.

CONTACT INFORMATION

For questions or concerns about our privacy policy, or if you want a copy of this privacy policy, you may contact us at:

Group Benefit Options – Privacy
Attn: Chief Administrative Officer
Two Corporate Drive - Suite 636
Shelton, CT 06484
Or email us at privacy@gboiq.com.

This privacy policy is effective as of 09/25/2018. Group Benefit Options may modify this privacy policy at any time and will post any modifications which will become effective as of the effective date noted in the new policy statement.