Privacy Policy

Elite Benefit Advisors, LLC, DBA Elite Benefits Direct ("Elite Benefits Direct," "we," "us," or "our") respects your privacy. This Privacy Policy describes how we collect, use, and disclose information when you visit elitebenefitsdirect.com (the "Site"), interact with our content, or contact us through the Site.

By using the Site, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

Information you provide directly. When you complete a contact form, request a consultation, or otherwise communicate with us, we may collect:

• Your name, email address, phone number, and company name
• The content of any message, request, or other communication you send to us
• Any additional information you voluntarily provide about your business or workforce

Information collected automatically. When you visit the Site, we and our service providers may automatically collect:

• IP address, browser type and version, operating system, referring URL, and the pages you visit
• Date and time of access and general location information (such as city or region)
• Cookie identifiers and similar tracking technologies

Protected Health Information. We do not collect, store, or process Protected Health Information (PHI) through this Site. If we engage with you as your broker, any PHI related to insurance enrollment and claims is handled by the applicable insurance carriers and third-party administrators under their own HIPAA Privacy Notices and Business Associate Agreements.

2. How We Use Information

We use the information we collect to:

• Respond to inquiries, provide information you request, and follow up on consultation requests
• Provide, operate, maintain, and improve the Site
• Understand how visitors use the Site and measure engagement
• Comply with applicable laws, regulations, and our own policies
• Protect the security and integrity of the Site and our business

3. Sharing of Information

We do not sell your personal information. We may share information in the following circumstances:

• Service providers. With third-party vendors who support our website, email, analytics, customer relationship management, and related business functions. These providers are authorized to use your information only as necessary to provide services to us.
• Insurance carriers and administrators. If we begin a broker relationship with you, we may share information necessary to obtain quotes, enroll employees, or administer benefits through the carriers and administrators you select.
• Legal requirements. When required by law, court order, subpoena, or governmental request, or when we believe disclosure is necessary to protect our rights, property, or safety, or the rights, property, or safety of others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, in which case information may be transferred as part of the transaction.

4. Cookies and Similar Technologies

The Site may use cookies and similar technologies to store information about your visit, remember your preferences, and measure website performance. Most web browsers allow you to control cookies through browser settings. If you disable cookies, some features of the Site may not function as intended.

We may also use third-party analytics services (such as Google Analytics) to collect and analyze usage data. These services may use cookies and other technologies to collect information about your use of the Site.

5. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect the information we collect. However, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee the absolute security of your information.

6. Data Retention

We retain the information we collect for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with legal obligations, to resolve disputes, and to enforce our agreements.

7. Your Choices and Rights

You may:

• Opt out of receiving email communications from us at any time by using the unsubscribe link in our emails or by contacting us directly
• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements

Residents of certain states, including California, may have additional rights under applicable state privacy laws. To exercise your rights, please contact us at the information provided below.

8. Children's Privacy

The Site is not directed to children under the age of 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us, and we will take appropriate steps to remove it.

9. Third-Party Links

The Site may contain links to third-party websites, including insurance carriers, partner enrollment platforms, and other resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Significant changes will be communicated through notice on the Site or by other appropriate means.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at: