How this Policy applies

This Policy applies to information you provide to us or that we collect automatically when you visit, access, use, or register with one or more Applications and when you interact with the Application or with Application content or applications that may link to or be accessible from or on the Application that are provided or managed by a third-party.

This Policy will tell you the following concerning our Application:

  • Who collects information;
  • What types of information are collected and how this is done;
  • How benefitexpress uses and discloses the information that is collected;
  • Your rights to view and correct information;
  • How benefitexpress secures your information;
  • How we comply with the Children’s Online Privacy Protection Act

Who Collects Information

When you visit or use our Application we may collect, process, or receive information about you as described in this Policy.

Information We Collect Automatically

If you download, access, or use our Application, we may receive and store certain information about you and your mobile device(s) automatically using automatic data collection technologies, including but not limited to first- and third-party Cookies, log files, Web Beacons, Pixels, dynamic tag management and other technical means. This information may include, without limitation:

  • The location of your mobile device;
  • Your mobile device ID;
  • The type of mobile device and operating system you use to access our Application;
  • Your IP address;
  • Information associated with your Internet or mobile service provider or your account with your Internet or mobile service provider;
  • Information associated with your Apple iTunes or Google Play accounts or any other account use to download or access the Application

Cookies

You may set your mobile device to refuse all or some Cookies. If you disable or refuse Cookies, please note that some parts of our Application may not function properly or may no longer be accessible.

How We Use Your Information

benefitexpress is processing sensitive employee data in a manner allowed by applicable privacy and employment law. We only use information (supplied by you and your employer) to provide administrative services for your benefit providers. This personally identifiable information (PII) is limited to your name, age, address, telephone number, Social Security number, marital status, personal email, salary, dependents, and benefit selections and other benefit data. For example, once you have selected a health plan during open enrollment, we will send only the health plan information that is administratively necessary for your enrollment to take place with that plan.

Accessing and Correcting Your Personal Data

If you have registered with our Application, you may access, modify, or delete your PII by logging into our Application using your username and password and visiting your account profile page, unless benefitexpress is required by law to retain such information. When you first enroll, you’ll need to make sure the information we have is correct. If demographic information is incorrect you need to contact the appropriate contact at your employer to correct the information.

Security

benefitexpress has implemented reasonable security measures designed to protect the information collected via our Application from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Access to data and technology relating to user information is password-protected and limited to authorized personnel and those vendors that require access to the information in order to furnish services to clients and our participants. In addition, benefitexpress uses industry standard technology to keep users’ information secure while residing on benefitexpress servers. However, despite these measures, our IT systems could be compromised by parties seeking unauthorized access to our data or users’ data, by a technological malfunction or by an error by an employee, vendor or contractor. In addition, the transmission of information via the Internet or mobile data networks could be intercepted by third-parties. As a result, our efforts to protect our data and users’ data from unauthorized access may be unsuccessful and we cannot assure you that the security measures we have adopted will provide absolute security. By using, accessing or registering with the Application, you agree that benefitexpress is not responsible or liable for any loss or damage of any sort arising from or relating to any breach of our security, circumvention of any privacy settings or security measures, or interception of your transmissions (see also Terms of Use). Any transmission by you is at your own risk.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to our Application or certain functions within our Application, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Children’s Information

Our services are not intended for children under 13 years of age and we do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us, please contact us. A parent or guardian of a child under age 13 may review and request deletion of the child’s personal information.

International Users

The App is based in the United States and, regardless of where you access the App, the information collected as part of that use will be transferred to and maintained on servers located in the United States. Any information we obtain about you will be stored in accordance with U.S. privacy laws, regulations, and standards, which may not be equivalent to the laws in your country of residence. By using the App, you consent to this collection, transfer, storage, and processing of information to and in the United States in accordance with the foregoing.

Compliance with Applicable Law

Employment-related information is collected or used in connection with an covered employee benefit plan, such data will be collected and used in compliance with applicable law.

Changes to This Policy

We reserve the right to update or modify our Application or this Policy at any time and from time to time without prior notice. Any revisions to this Policy will be effective upon posting. The most recent version of this Policy is available at “About” menu within the App.

Opt-out provisions

We currently do not allow business partners to communicate directly with My Benefit Express™ users. If in the future, benefitexpress decides to allow third parties to communicate with our users, we will only deliver those communications to you if you have specifically asked for such communication. If you decide you no longer want such communication, you can discontinue future sharing of this information by notifying us by e-mail at Help@MyBenefitExpress.com or calling us at 1-877-837-5017. If you feel that your privacy rights have been infringed upon, you may contact benefitexpress' Privacy Officer at Privacy@MyBenefitExpress.com. You may also contact the Office of the Secretary, Department of Health and Human Services.