Privacy Policy

Benefit Guru is committed to advising you of the right to your privacy, and strives to provide a safe and secure user experience. This Privacy Policy explains how we collect, store and use personal information provided by you on our Website. It also explains how we collect and use non-personal information. By accessing and using our Website, you explicitly accept, without limitation or qualification, the collection, use and transfer of the personal information and non-personal information in the manner described in this Privacy Policy. Please read this Policy carefully, as it affects your rights and liabilities under the law. If you disagree with how we collect and process personal and non-personal information, please do not use this Website.

Information We Collect

We collect the following types of information about you when you visit and use our Website

"Personal information" is information that can be used to identify you or any other individual to whom the information may relate. This is information which you are prompted to provide to us. Such information may include your name, address, telephone number(s), mobile numbers and info@benefit-guru.com, or other unique information about you which you provide to us during the registration process, or through the course of communicating with us about the products and services provided on our Website. "Demographic information" is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, mobile phone carrier, age, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests.

"Behavioral information" is information which is automatically collected pertaining to how you use our Website, the areas of our Website that you visit, what services you access, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited. "Web technology information" is information we automatically collect from you when you visit our Website. Including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. Information is collected through the use of cookies, Web beacons or JavaScript. This also includes information which is contained within the autofill functionality of your browser. This information may include Personal and Non-Personal Information.

No Information Collected from Children.

We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from our database. Because we do not collect such information, we have no such information to use.

Cookies, Web Beacons, and JavaScript

Generally, we use technologies such as cookies, web beacons, and java scripts to collect information. These technologies collect internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Website, track user’s movements through our Website and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis.

"Cookies" are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our Website including the placement of identifiers. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this Website again, cookies allow us to remember your settings and may be used for authentication. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our Website, and deliver specific content to you based on your past viewing history. You can disable cookies, although our Website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com. In order to use all of the features and functionality of our Website, you need to accept cookies.

Social Media Cookies/Plug-ins. Plug-ins for social media including Facebook, Twitter, LinkedIn, Yahoo, Windows and Google Plus are integrated on our Website. By interacting with us through a social media plug-in, certain information will be transmitted to the social network and you permit us to have continued access to information from your profile. Social media features are either hosted by a separate entity or hosted directly on our Website. Your interactions with these features are governed by the company's privacy policy providing it.

Web Beacons

We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser. JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of websites, particularly concerning pictures. We use it to analyze and improve our Website’s functions. You may deactivate JavaScript through your browser settings or activate it the same way. If you disable JavaScript, you will not be able to use some of the functions of our Website.

How We Use Information Collected.

Providing Services and Products. We use the information we gather on our Website to provide you with the services and or products you have requested. Improving Our Website. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our Website, and deliver the products and services advertised on our Website. Our services include the display of personalized products, content, and advertising, relating to your experience and interests.

Information gathered in the text messaging campaign will not be shared to third parties or affiliates for marketing purposes.

Targeted Advertising

We may customize and target advertising to an individual based on user information. In our discretion, we may combine information to target advertising to an individual on the Site, in email and/or through direct mail. Such advertising may be different to the products or services offered or promoted on our Website. Commercial Email. We may use your info@benefit-guru.com to promote goods and services that may be of interest to you.

Direct Mail

We may use User Information to advertise, directly or indirectly to individuals using postal mail.

We Do Not Share Your Information With Third Parties for Marketing Purposes.

We will only share your personal information in the following ways:

Website Functionality. We share your Personal and Non-Personal information with companies and individuals we employ to perform technical functions on our behalf. Examples include analyzing our data, processing credit card payments, and providing customer service on our behalf.

Legal Process

We disclose and share your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.

Acquisition or Merger

We may disclose and transfer your information to a party who acquires any or all of our business, whether such acquisition is by merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.

Collection and Use of Information

We collect and use information about you on or through our Website in the following ways:

Analytics

As described above, we monitor, analyze and report on the traffic to, from and within our Website and email messages.

Disclaimer. We do not control the collection and use of any information collected by Third Parties. Please review their policies and terms before providing any information.

Information Security and Retention

We use industry standard precautions to safeguard your personal Information from loss, theft and misuse including unauthorized access, disclosure, alteration and destruction. These precautions are technical, physical and managerial. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. We use Secure Socket Layer software ("SSL") to protect data and secure transactions. SSL encrypts information including credit card number(s), and names and addresses, transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure from improper actions of websites not under our control; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of information through our Website or through email communications is at your own risk.

We retain Personal Information for the time necessary to fulfill the purpose for which you provided the information and retain it thereafter for a period permitted by law. We retain Non-Personal Information indefinitely as the same is used by us for any proper purpose, including but not limited to analysis, development and improvement of our Website, services and products.

Changes to Privacy Policy

We reserve the right to make material changes to the substance of this Privacy Policy. We will post those changes through a prominent notice on the Website, so that you will always know what information we gather, how we might use that information, and to whom we will disclose it.

GDPR and CASL Compliance. Unfortunately, we are not in a position to accept clients who are not U.S. Citizens. The CASL and GDPR regulations, in particular, provide certain rights to their citizens which are not the same as the United States. For this reason, we do not accept referrals from any citizen outside the United States. Our services are specifically designed for United States citizens. We have expunged all European Union Member and Canadian Citizens data to the extent we have been made aware of the same. If you are a European Union Member, Canadian or any country outside of the United States citizen, please notify us at info@benefit-guru.com and we will remove and destroy your Personal Information.

Contact Us

If you have any questions regarding this Privacy Policy, please contact: info@benefit-guru.com

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Revised Posting Date: 6/01/2023