Privacy Policy

Protecting your private information is our priority.

This Statement of Privacy applies to https://brighter-retirement.com, and Brighter Benefits and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Brighter Benefits include https://brighter-retirement.com and Brighter Benefits. The Brighter Benefits website is an Insurance Services site. By using the Brighter Benefits website, you consent to the data practices described in this statement.

Collection of your Personal Information: In order to better provide you with products and services offered, Brighter Benefits may collect personal information, such as your:

First Name

Last Name

Phone Number

Email Address

Brighter Benefits may also collect your personal demographic information, such as your:

Date of Birth

Age

Household Income

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include:

(a) registering for an account;

(b) entering a sweepstakes or contest sponsored by us or one of our partners;

(c) signing up for special offers from selected third parties;

(d) sending us an email message;

(e) submitting your credit card or other payment information when ordering and purchasing products and services.

To with, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future. Use of your Personal Information Brighter Benefits collects and uses your personal information to operate and deliver the services you have requested. Brighter Benefits may also use your personally identifiable information to inform you of other products or services available from Brighter Benefits and its affiliates.

Sharing Information with Third Parties - Brighter Benefits does not sell, rent or lease its customer lists to third parties. Brighter Benefits may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party.

Brighter Benefits may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Brighter Benefits, and they are required to maintain the confidentiality of your information.

Brighter Benefits may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to:

(a) conform to the edicts of the law or comply with legal process served on Brighter Benefits or the site;

(b) protect and defend the rights or property of Brighter Benefits; and/or

(c) act under exigent circumstances to protect the personal safety of users of Brighter Benefits, or the public.

Automatically Collected Information Information about your computer hardware and software may be automatically collected by Brighter Benefits. This information can include:

your IP address

browser type

domain names

access times

referring website addresses.

This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Brighter Benefits website.

Use of Cookies: The Brighter Benefits website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Brighter Benefits pages, or register with Brighter Benefits site or services, a cookie helps Brighter Benefits to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Brighter Benefits website, the information you previously provided can be retrieved, so you can easily use the Brighter Benefits features that you customized. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Brighter Benefits services or websites you visit.

Security of your Personal Information: Brighter Benefits secures your personal information from unauthorized access, use, or disclosure. Brighter Benefits uses the following methods for this purpose: When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that:

(a) there are security and privacy limitations inherent to the Internet which are beyond our control; and

(b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion: Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: Delete your personal information from our records; and • Direct any service providers to delete your personal information from their records. • Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us; • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; • Debug to identify and repair errors that impair existing intended functionality; • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law; • Comply with the California Electronic Communications Privacy Act; • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent; • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us; • Comply with an existing legal obligation; or • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Brighter Benefits does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

E-mail Communications: From time to time, Brighter Benefits may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Brighter Benefits or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from Brighter Benefits, you may opt out of such communications by Clicking on the UNSUBSCRIBE button.

External Data Storage Sites: We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement: Brighter Benefits reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your:

(a) acknowledgment of the modified Privacy Policy; and

(b) agreement to abide and be bound by that Policy.

Brighter Benefits welcomes your questions or comments regarding this Statement of Privacy. If you believe that Brighter Benefits has not adhered to this Statement, please contact Brighter Benefits at:

Brighter Benefits

Email Address: [email protected]

Telephone number: (214) 499-3300

Effective as of