Privacy Notice

This Privacy Notice is provided on behalf of Benefit Harbor LP, (referred to as “Benefit Harbor”). At Benefit Harbor, your trust and privacy are important to us. We strive to deliver the highest quality data management services and insurance products while protecting the privacy and security of your employees’ personal information. Therefore, we believe that you should know about the information we collect about each employee, the measures we take to safeguard it, and the situations in which we might share this information. Accordingly, this Privacy Notice explains our current policies and practices regarding your nonpublic personal information in our current records.

We collect nonpublic personal information about your employees in order to evaluate and serve their insurance needs, develop and offer new products or services, and fulfill other operational, legal and regulatory requirements. This information includes:

• Information obtained directly from the employer (such as information on applications and other forms submitted to us, including: name, address, social security number, employer information, etc.);
• Information related to transactions with us and/or our affiliates (including your insurance coverage selections and premiums, etc.);
• Information we receive from nonaffiliated parties.

Limits on Sharing Your Information

We only transmit employee specific information to third parties which we have received express permission from the employer, or employer representatives, to do so including:

• To insurers and other service providers in order to perform a business, professional or insurance transaction authorized or directed by the employer/employee (such as insurance companies, underwriting companies, agents, claims representatives, insurance support organizations, securities brokers or dealers, etc.).
• As required or permitted by law.

Measures We Take to Protect Your Information

We maintain appropriate physical, electronic and procedural safeguards to protect the information we collect about each employee.  Our policies restrict access to such information to employees and individuals who need to know the information to service the account or provide products and services. Employees who violate these confidentiality requirements are subject to our disciplinary process.

We use virus protection, intrusion detection and other security-enhancing software, directory management and password protection on database access for employees, compliance audits, backup and recovery procedures, employee training and other procedures to help safeguard your nonpublic information. We also require third parties engaged to provide support services to us to conform to our privacy standards.

We always use industry-standard encryption technologies when transferring and receiving consumer data exchanged electronically via our system and have implemented security measures in our physical facilities to protect against the loss, misuse or alteration of information that we have collected.

To Review Your Information

Scope of This Privacy Policy

We apply this privacy policy to the nonpublic information that we collect for current and former customers of Benefit Harbor. This privacy policy only applies to Benefit Harbor. It does not apply to your relationships with other financial service providers that are not affiliated with Benefit Harbor such as insurance companies that it represents or from which it requests or obtains insurance products/services for you. Their privacy policies and information practices govern how they collect, use and disclose information about you.

We reserve the right to amend, modify or supplement our privacy policy at any time in accordance with applicable law. If we make changes to our privacy policy, we will provide you with a copy of a revised Notice as required by applicable law. If you are concerned about how your information is used, we encourage you to check our Web site periodically.

How To Contact Us With Questions Or Opt Out Requests

If you have any questions about our privacy policy or the information about you contained in our records or wish to exercise other rights described in this notice, please address your written request to via U.S. mail to Benefit Harbor, 5445 Legacy Dr, Suite 250 Plano, TX 75024 or via facsimile to 972-701-5960 or telephone us at 972-701-5900.