Privacy Policy

BenefitPlan Manager (“us”, “we”, or “our”) operates the www.benefitplanmanager.com website (the “Service”). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.

Information Collection And Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Social Security Number
• Birthdate
• Cookies and Usage Data

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

We may also collect information on how the Service is accessed and used (“Usage Data”). We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our Service.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.

When you sign up to use BPM SaaS applications, you are creating a payments profile that is associated with your Account, you may be asked to provide information, such as:

Card Details

• Credit card number
• Expiry date
• CVV (Card Code)

Payment card information is processed directly by Authorize.net using industry-standard security controls. BPM does not store full credit card numbers or CVV data on its systems.

• First Name
• Last name
• Address (Address1 and 2)
• State
• Zip
• County
• Email
• Phone Number

To facilitate payment processing through Authorize.net payment gateway, we share this collected information with Authorize.net along with,

• Item Name (Payment Month)
• Quantity
• Total Amount (Including Convenience fee)

In some cases, we may also ask you to send us additional information or to answer additional questions to help verify your information or identity.

When you initiate and process payments through BPM application to conduct a transaction, we may collect information about the transaction, including:

• The date, time and amount of the transaction
• The merchant's location and description
• A description provided by the seller of the goods or services purchased
• The names and email addresses of the seller and buyer (or sender and recipient)
• The type of payment method used
• Your description of the reason for the transaction and the offer associated with the transaction, if any

• Provide you with payment processing services powered by and executed using Authorize.net APIs
• Assist third parties in the provision of products or services that you request from them
• Make decisions about your current and future payments transactions
• Provide you with information about your payment method’s features and benefits to help you better identify your payment method
• Fulfill other legitimate business needs related to the Payments transactions initiated by you

We may retain the information that you provide for the duration of your use of payment services, and for an additional period as necessary to comply with our legal and regulatory obligations.

We will only share your personal information with other companies or individuals outside of BPM in the following circumstances:

• As permitted under this privacy policy
• As permitted by law
• As necessary to process your transaction and maintain your account, including to provide security improvements, protect your account against fraud, and for other everyday business purposes
• To complete your requested registration for a service provided by a third party
• To inform a third-party merchant, about the status of transactions.
• To help ensure your payment method is secure and valid, and to provide you with relevant information about your payment method's features and benefits, we may share your personal information with your payment method issuer, payment network, processors, and their affiliates

• When you make a purchase or transaction, we make certain personal information about you available to the company or individual that you purchase from or transact with
• When you make a purchase through our application, we might share your ZIP code or postcode and information about your payment method so that the merchant can calculate tax, and other details related to the cost of your order.
• We may exchange certain personal information with the third-party payment provider so we can both provide the service to you. The information may include your name, profile image, email, Internet protocol (IP) address, billing address, phone number, device information, location, and Account activity information

The information we collect, including information obtained from third parties, may be shared with our affiliates to provide services.

Use Of Data

BenefitPlan Manager uses the collected data for various purposes:

• To provide and maintain the Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer care and support
• To provide analysis or valuable information so that we can improve the Service
• To monitor the usage of the Service
• To detect, prevent and address technical issues

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. BenefitPlan Manager will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Legal Requirements

BenefitPlan Manager may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of BenefitPlan Manager
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

Security Of Data

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Managing, reviewing, and updating your information:

Using BPM's products and services requires ongoing consent to our privacy policies.

We retain personal information as required by law and contract, and upon fulfillment of its purpose, access to the data and active use is disabled.

Individuals can update their preferences on how their personal information is used, including disclosure preferences, by contacting us via email at privacy@benefitplanmanager.com". Please include your specific request in the email, and our team will process your changes promptly.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

BenefitPlan Manager
100 Valley Road
Suite 202
Mt. Arlington, NJ 07856
973-398-8558
info@benefitplanmanager.com