1. Overview
This Privacy Policy describes how Benefit Whiz, LLC ("Benefit Whiz," "we," "us," or "our") collects, uses, discloses, and protects information when you access or use our platform, website, applications, and related services (the "Services").
This policy applies to information collected from customers (brokerages, agencies, employers, and businesses), authorized users of customer accounts, and website visitors. By using the Services, you agree to this Privacy Policy.
2. Important Context About Our Role
Benefit Whiz is a business-to-business software platform. In most cases, our customers control the data uploaded into the platform, and we process that data on their behalf. We do not have a direct relationship with your clients, employees, or policyholders unless you provide their data to us.
3. Information We Collect
3.1 Information You Provide Directly
We may collect:
- Name, email address, and account credentials
- Company or brokerage information
- Billing and payment details (processed via third-party providers)
- Support communications and feedback
3.2 Customer Data (Uploaded to the Platform)
Customers may upload or connect data such as commission statements, policy and carrier data, financial and revenue information, internal payout and compensation data, and employee or client-related data. We process this data solely to provide the Services.
3.3 Automatically Collected Information
We may collect log data (IP address, browser type, device info), usage data, performance and error data, and session and authentication data.
3.4 Cookies and Similar Technologies
We use cookies to maintain sessions, authenticate users, and improve performance. You may control cookies through your browser settings, but some functionality may be limited.
4. How We Use Information
We use information to provide, operate, and maintain the Services; process transactions; authenticate users; analyze usage; detect fraud; communicate about the Services; and comply with legal obligations. We do not use your data to compete with your business.
5. AI and Data Use
Benefit Whiz may use AI and machine learning features to process and analyze data. We do not train generalized AI models on identifiable customer data without consent, or sell or repurpose customer data for unrelated commercial use. We may use aggregated, de-identified data to improve our platform.
6. How We Share Information
We do not sell personal information. We may share information with trusted service providers (hosting, analytics, payment processing), in response to legal obligations, or in connection with a business transfer. All providers are contractually required to protect data.
7. Data Security
We implement commercially reasonable safeguards including encryption in transit, access controls, monitoring, secure hosting, and internal access restrictions. No system is completely secure and we cannot guarantee absolute security.
8. Data Retention
We retain information only as long as necessary to provide the Services, meet legal requirements, and resolve disputes. Customer Data may be retained for a limited period after account termination before deletion.
9. Data Access and Control
Customers control their data within the platform. You may access and update account information, export your data, or request deletion. Requests may be submitted to: legal@benefitwhiz.net
10. Your Responsibilities
You are responsible for ensuring you have rights to upload and use data, complying with applicable privacy laws, and managing access to your users and data.
11. Children's Privacy
The Services are not intended for individuals under 18. We do not knowingly collect personal information from minors.
12. Changes to This Policy
We may update this Privacy Policy from time to time. If changes are material, we will provide notice through the platform or email. Continued use means you accept the updated policy.
13. Contact
For questions about this Privacy Policy:
Benefit Whiz, LLC
legal@benefitwhiz.net