Effective Date: April 25, 2022

We are very sensitive to privacy issues. The purpose of this Website Privacy Policy is to let you know how Medical Mutual Services, LLC, dba BenefitBuilder (“BenefitBuilder”, “we”, “our”, or “us”) collects, uses and discloses your personal information, health information, and other information collected, and maintained and/or disclosed through the various websites, our mobile application and any related web-based services. For ease of reference, the access, transmission, viewing or other use of our various websites, our mobile application, and any related web-based services and Content (as defined below) such as text, information, images, video and audio and all services (“Services”) and any of the information contained herein (collectively, this “Site”) is hereinafter referred to collectively as the “Use” of, or “Using”, the Site.

Please Read Carefully Prior To Using the Site. By entering and using this Site, you affirm that you have read and understood this Privacy Policy and the BenefitBuilder Terms of Use and that you agree to abide by them. If you do not agree to abide by the BenefitBuilder Terms of Use and this Privacy Policy, you may not enter, access, or otherwise use this Site. The use of this Site is conditioned upon your acceptance of the terms and conditions contained in this Privacy Policy which is part of and incorporated by reference into the Terms of Use of the Site.

This Privacy Policy lists our current policies, but as noted below, this Privacy Policy may be adjusted from time to time at our discretion. Those who do not agree to be subject to this Privacy Policy may not, under any circumstances, use this Site.

Collection of Personal Information

You should be aware that portions of the Site contain functions for collecting your personal information including, but not limited to, your name, email address, home or work address and telephone number as well as your history of accessing the Site. BenefitBuilder may also collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, and interests. BenefitBuilder may also collect and track non-personally identifiable information about you, including but not limited to, how certain features of our Site are used, the general region from which our visitors are contacting us and how many people visit our Site at any given time.

We do not collect personal information (such as names, addresses, phone numbers, email addresses or credit card numbers) about you, except when you specifically provide the information on a voluntary basis, such as when you:

  • Become a registered user of one or more of our services;
  • Establish an account with us;
  • Sign-up or subscribe for products or services, including submittal of an application for insurance and/or using our quotation system, that we periodically may make available; or
  • Complete a survey or questionnaire.

In these instances, BenefitBuilder may ask you to provide us with personal information including, but not limited to, name, date of birth, member identification number, member group number, social security number, mailing address, telephone number (including mobile number), email address, professional and employment related information. You may also be asked to create a unique username and password. BenefitBuilder requires that the actual user input such information and that such information be the most recent available. In addition, you may request that we modify or delete your registered account information by sending an email to BenefitBuilder at Info@BuildMyBenefits.com, with the words “UPDATE USER INFORMATION” in the subject line.

Whenever you register for one or more of our services, we may send an email to you with an authentication link to ensure the accuracy of the email address that you have supplied or to notify you that an application or quotation was requested. Your response to the authentication link may be necessary to complete your registration, which may be required to use our services.

Collection and Use of Real Time Location of Mobile Device

If you use our Mobile Application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within and display a location map with relevant information.  We will not share your current location with other users or partners.

If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile device settings and/or within the mobile application.

Use of Personal Information and Health Information

BenefitBuilder reserves the right to compile, save, use within the scope of our activities, and analyze any and all of your data (registration data, use history, etc.). BenefitBuilder intends to use such data for internal purposes only, including without limitation for the purposes of responding to your requests for information and for contacting you. BenefitBuilder may provide aggregated statistics about users (including you) to third parties, but such information will be aggregated so that it does not identify a particular individual or company, including yourself.
BenefitBuilder may contact you regarding the status of your account, your registration information, support issues regarding our service, and changes to our service or the terms under which it is offered.

BenefitBuilder may use your personal information and health information for several purposes, including to:

  • Provide you with information or services you request, including but not limited to sharing your personal information and health information with third parties, such as insurance carriers,  with your approval and at your direction;
  • Process an application or quotation requested by you;
  • Resolve disputes;
  • Comply with laws and regulations;
  • Prevent prohibited activities and enforce our Terms of Use;
  • Facilitate your use of, and our operation of, our services;
  • Analyze trends and statistics and for marketing, research, and development
  • Deliver targeted service updates;
  • Contact you on behalf of external business partners about a particular offering that may be of interest to you, as permitted by applicable regulations; and
  • Verify information with third parties.

Additionally, we may disclose your personal information when required by law, rule, or regulation. Specifically, we may disclose this information to unrelated parties in special cases when we have reason to believe that our disclosure is necessary to identify, contact or bring legal action against a person or persons who may be causing injury to, or interference with, the rights or property of Medical Mutual Services, LLC dba BenefitBuilder (including our Site), computer users accessing our Site, or any third party. In addition, we may disclose information about individuals who access our Site to law enforcement agencies, judicial or government authorities or to other individuals or entities in response to subpoenas, court orders or other legal processes.

Further, in the event that BenefitBuilder goes through a business transition, such as a merger, an acquisition by another company, or a sale of all or a portion of its assets, your and other users’ personal information will, in most instances, be part of the assets transferred. If as a result of the business transition, your personal information will be used in a manner different from that stated at the time of collection, you will be given the option to continue sharing the information consistent with this Privacy Policy. Nothing in this Privacy Policy is intended to interfere with the ability of BenefitBuilder to transfer all or part of its business and/or assets (including the Site) for any purposes, without limitation.

We may also use your information as otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.

Finally, if you are an adult member who is using Services, and you become legally incapacitated, you acknowledge and agree that BenefitBuilder may provide your personal representative and/or others who become involved in your care or payment for your care with access to your personal or  health information (including sensitive health information) that is available through the Services for the purpose of supporting your treatment, payment for that treatment, and assisting with the performance of normal health care operations activities, like coordinating care and improving health care services.

Collection and Use of Anonymous Information

We use analytics tools and other third-party technologies (such as Google Analytics, Webtrends, Sitecore, and DoubleClick Cookies) to track and analyze your usage of our sites through the use of cookies, pixel tags/web beacons, and similar technologies. These technologies collect information that relates to, but is not limited to, how certain features of our Site are used, the general region from which our visitors are contacting us, how many people visit our Site at any given time, the effectiveness of our advertisements, and the use of our Internet advertisements and other links from our marketing partners' sites to our sites. These technologies also help us target our Internet advertisements on our Site and on other sites. The information collected on our behalf by these third parties is anonymous. It does not contain your name, address, email address, or any other personally identifiable information.  We may share with, or license or sell the anonymous information we collect to third parties for the purpose of allowing marketing through our Site.

Third party companies who collect information on our Site may combine this information with information they have independently gathered from other sites, services and applications relating to your activity on these other sites, services or applications. They may collect and use this information in accordance with their own privacy policies.

Our Site uses Google Analytics Demographics and Interest Reporting to provide us with anonymous information on the characteristics and interests of our Site users.

You may opt out of certain types of anonymous data collection by following the instructions in the Opt Out/Updating Your Information section of this Privacy Policy.

Cookies

Cookies are small bits of information that are stored on your computer. Cookies help establish a user session and allow our server to correctly provide website users with the appropriate information, advertisements and services. Our Site uses a technology called “persistent cookies,” which is a small data file that is stored on your computer, and enables your browser to access the pages you request and to track the pages visited. Using persistent cookies to track page visits helps us analyze our Site usage more accurately.

Please note that linked non-BenefitBuilder websites may also use cookies. BenefitBuilder cannot control the use of cookies by these non-BenefitBuilder websites. We also want you to know that when you link from the Site to another website, that website may have the ability to recognize that you have come from the Site. If you do not want any other websites to know that you have been on the Site, we recommend that you do not use the links provided in our Site. If you have any questions about how third party websites use cookies, you should contact such third parties directly.

Pixel Tags/Web Beacons

Pixel tags (also known as “Web beacons”, “page tags”, “web bugs”, or other names) are objects, such as images, that are embedded in a Web page. When they are loaded by the page, this signifies that the page has been accessed. Pixel tags are commonly used in combination with cookies to anonymously identify a unique visitor. These pixels help us analyze usage of our Site, and help us gauge the effectiveness of our advertising.

Children’s Privacy

BenefitBuilder does not knowingly collect personally identifiable information from individuals under the age of 18, unless that information is required for a product or service that we offer. If you are under age 13, please do not email us, contact our Site, attempt to use our Site, submit information to our Site, or ask us to email you. If you are under the age of 18, you should get permission from a parent or guardian before you email our Site, contact our Site, attempt to use our Site, submit information to our Site, or ask us to email you.

Security

BenefitBuilder uses safeguards, such as data encryption, firewalls and system security measures to protect the confidentiality of your personally identifiable information. While BenefitBuilder makes every reasonable effort to protect the information collected through the Site, please be aware that there is always some risk involved when submitting data over the Internet. We cannot guarantee that our Site is 100% safe from illegal tampering or “hacking.” Any data transmitted over the Internet may be at risk; however, once it is received at BenefitBuilder and entered into a BenefitBuilder database, any data you have submitted has the same protection that BenefitBuilder extends to its own confidential information.

Agents and contractors of BenefitBuilder who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for BenefitBuilder.

If you suspect improper use or access to BenefitBuider information, please notify BenefitBuilder immediately. Contact Medical Mutual’s Compliance and Incident Hotline at 800.762.8130 or online.

Opt Out/Updating Your Information

You may receive various electronic communications from BenefitBuilder, such as newsletters, account notifications, and other marketing communications about our products and services. To opt-out of any specific electronic communication, follow the “unsubscribe” instructions associated with the specific communication.

To opt out of certain types of anonymous data collection, you can:

  • Modify your Google Ad settings to opt out of advertising based on your demographic characteristics and interests on Google advertising networks
  • Download a Google browser add-on to prevent data collection by Google Analytics
  • Set your advertising preferences for ad networks that are members of the National Advertising Initiative
  • Configure your browser settings to reject cookies. Directions can be found in the Privacy and Security settings in the Help function of all major browsers. Most users accept cookies. If you choose to disable your cookies and are a registered user, you may not have access to your personal information on medmutual.com.

Links to Third Party Websites

As a convenience to our users, our Site may contain links to a number of other websites (“non BenefitBuilder of Ohio websites”) that we believe may offer useful information. Even though you may still see our logo, you are providing information to other linked websites when you leave our Site. Such links do not constitute an endorsement by BenefitBuilder of those other websites, the content displayed therein, or the persons or entities associated therewith. The Privacy Policy presented here does not apply to those websites. You should contact those websites directly for information on their privacy policies, confidentiality agreements, and data collection/distribution procedures. We encourage visitors to read and become familiar with the privacy policies maintained by such other websites so that you can understand how those websites collect, use and share your information.

Email

All information and correspondence you share with us will be handled in the strictest confidence. Please note that the email facilities on our Site (unlike those areas within the Site) do not provide the same level of security. For that reason, please do not email to communicate information to us that you consider confidential.

Modifications

This Privacy Policy and the Terms of Use constitute the complete agreement between the parties with respect to the subject matter and supersede any prior agreement or communication. BenefitBuilder reserves the right to modify this Privacy Policy without prior notice. Any revised Privacy Policy will be posted to this Site. You should review our Privacy Policy occasionally, or at least every thirty (30) days. Your continued use of this Site subsequent to BenefitBuilder’s notice of modification of this Privacy Policy shall constitute your acceptance of the modified Privacy Policy.

Contact BenefitBuilder

If you have questions or concerns regarding your privacy or this Privacy Policy, you should contact the Company at:

By Mail:
Medical Mutual Services, LLC
2060 East 9th Street
Cleveland, Ohio 44115-1355

By Phone: 1-800-558-3035

By Email: Info@BuildMyBenefits.com