Privacy Policy
INTRODUCTION
Welcome to our Privacy Policy for our website, https://www.advantageben.com (“Website”) of Advantage Benefits Group, Inc. (ABG) in the United States.
We respect your privacy and are committed to protecting your personal data. This Privacy Policy will inform you as to how we look after your personal data when you visit our Website (regardless of where you visit it from) and tell you about your privacy rights.
By using our Website, you consent to the data practices described in this Privacy Policy. If you do not agree with the data practices described in this Privacy Policy, you should not use our Website.
This Privacy Policy applies to information we collect on our Website but does not apply to information collected by us offline or through any other means; or by us through any other portal or Website operated by the Company or any third party. The Terms of Use and Privacy Policy of those portals can be found here:
Zywave - https://www.zywave.com/legal-notices-summary/
Employee Navigator (Terms of Use and Privacy Policy Links at bottom of landing page) - https://www.employeenavigator.com/benefits/Account/Login
Advantage Analytics/Cedar Gate Technologies -
https://www.cedargate.com/privacy/
By using those portals, you expressly agree to the Terms of Use and Privacy Policy of those portals.
1. IMPORTANT INFORMATION AND WHO WE ARE
2. THE DATA WE COLLECT ABOUT YOU
3. HOW WE COLLECT YOUR PERSONAL DATA
4. HOW WE USE YOUR PERSONAL DATA
5. DISCLOSURES OF YOUR PERSONAL DATA
6. WEB ACCESSIBILITY STATEMENT
10. CALIFORNIA RESIDENT’S PRIVACY RIGHTS
1. IMPORTANT INFORMATION AND WHO WE ARE
With over 125 years combined experience, the Advantage family has built an impressive and extensive client group. Our leadership will help you construct a long term strategic plan with maximum value to both employee and employer by benchmarking your plans, leveraging the market, incorporating consumerism, providing employees real and valuable choices, and managing health and retirement risks. The result is a successful benefits plan that helps our clients meet their financial goals and recruit and retain top talent.
Purpose of this Privacy Policy
This Privacy Policy aims to give you information on how we collect and processes your personal data through your use of this Website, including any data you may provide through this Website when you sign up to our newsletter, or purchase a product or service.
This Website is not intended for children and we do not knowingly collect data relating to children consistent with the U.S. Children’s Online Privacy Protection Act. If we learn that we have received information directly from a child under age 13 without the parent or legal guardian’s verified consent, we will use that information only to respond to the child/parent/guardian to inform the child that he or she may not use the Website.
Advantage Benefits Group Contact Information
Our contact details are:
Michael Cutlip
Email address: info@advantageben.com
Postal address: 1 Ionia Avenue SW, Suite 300
Grand Rapids, MI 49503
Changes to this Privacy Policy and Your Duty to Notify Us of Changes
We will notify you of any changes to this Privacy Policy. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
Third-Party Links
This Website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the Privacy Policy of every website you visit.
2. THE DATA WE COLLECT ABOUT YOU
Personal data, or personal information, means any information about an individual from which that person can be identified.
We or our service providers may collect, use, store and transfer different kinds of personal data about you via our Website or in the course of providing services to you which we have grouped together follows:
- Identity Data includes first name, last name, email address.
- Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this Website.
- Usage Data includes information about how you use our Website, products and services.
- Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
3. HOW WE COLLECT YOUR PERSONAL DATA
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your personal data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
- subscribe to our service or publications;
- request marketing to be sent to you;
- interact with our social media channels;
- give us some feedback.
Automated technologies or interactions. As you interact with our Website, we may automatically collect data about your equipment, browsing actions and patterns.
Third-party sources. We may receive personal data about you from various third parties including our third-party service providers.We employ other companies and individuals to perform functions upon our behalf. Examples include storing and analyzing data, providing search results and links, and providing customer service. They have access to user information needed to perform their functions, but may not use it for other purposes.
Cookies Policy
We may place “cookies” on the browser of your computer. Cookies are small pieces of information that are stored by your browser on your computer’s hard drive. Cookies may enhance the convenience and use of the Website. For example, the information provided through cookies may be used to recognize you as a previous user of the Website (so you do not have to enter your personal information every time), offer personalized information for your use, and otherwise facilitate your experience using the Website. You may choose to decline cookies if your browser permits, but doing so may affect your ability to access or use certain features of the Website.
Web Beacons
We may also utilize web beacons on our Website. A “web beacon,” also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. The information collected through these automated means may include information that we gather and store about your visit to, and use of, the Website, such as your IP address, type of browser and operating system used, date and time you access the Website, pages you visit, and, if you linked to the Website from another website, the address of that website. This data does not include personal information and is not treated as personal information under this Privacy Policy, but it may include the IP address of your device. We may link an IP address to information that is personally identifiable.
4. HOW WE USE YOUR PERSONAL DATA
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: (a) where we need to perform the contract we are about to enter into or have entered into with you; (b) where it is necessary for our legitimate interests (or those of a third party) and your interests and rights do not override those interests; (c) where we need to comply with a legal or regulatory obligation. We use your data in the following ways:
- To manage our relationship with you;
- To enable you to complete a survey;
- To administer and protect our Website;
- To deliver relevant Website content to you;
- To use data analytics to improve our Website, products/services, marketing, customer relationships and experiences;
Marketing and Outreach
We strive to provide you with choices regarding certain personal data uses, particularly around marketing. You can manage the marketing and outreach we provide to you by opting out, which is described in the “Opting Out” section below.
Opting Out
You can ask us to stop sending you marketing messages at any time by replying to a marketing email with “unsubscribe” in the subject line, clicking “unsubscribe” in the marketing email itself, or by Contacting us at any time.
5. DISCLOSURES OF YOUR PERSONAL DATA
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. Those trusted third-party partners may:
- Provide you and members with various services
- Provide database maintenance and security
- Help us manage transactions
- Help us process and fulfill requests
We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.
Disclosure in the Event of Merger, Sale, or Other Asset Transfers. If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your Personal Information may be transferred as part of such a transaction, as permitted by law and/or contract. By providing your personal information to us, you consent to such a transfer.
6. WEB ACCESSIBILITY STATEMENT
We are committed to making the Website’s content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call us at (616) 458-3597 or email us at info@advantageben.com with “Assist with Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement.
7. DATA SECURITY
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
8. DATA RETENTION
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
9. YOUR RIGHTS
Under certain circumstances, you have rights under data protection laws in relation to your personal data.
- Request access to your personal data.
- Request correction of your personal data.
- Request erasure of your personal data.
- Right to withdraw consent to us processing your personal data.
If you wish to exercise any of the rights set out above, or if you have a complaint, please Contact us. Advantage Benefits Group commits to resolve complaints about our collection or use of your personal information. Inquiries or complaints regarding the processing of personal data should first be directed to Advantage Benefits Group at info@advantageben.com.
10. CALIFORNIA RESIDENT’S PRIVACY RIGHTS
Advantage Benefits Group does not track its Users over time and across third-party websites to provide targeted advertising and therefore or does not respond to Do Not Track (DNT) signals.
California’s “Shine the Light” law permits individual California residents to request certain information regarding our disclosure of certain categories of Personal Information to third parties for those third parties’ direct marketing purposes. To make such a request, please contact us at info@advantageben.com. This request may be made no more than once per calendar year.
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