Privacy Policy

1. Introduction

Earnest Benefit Source ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.earnestbenefitsource.com or use our services.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Complete our benefit assessment questionnaire
• Contact us through our website or email
• Subscribe to our newsletter or updates
• Participate in surveys or feedback forms

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Demographic information (age, gender, household size, income range)
• Information about your specific needs and circumstances
• Any other information you choose to provide

2.2 Automatically Collected Information

We may automatically collect certain information about your device and usage patterns, including:

• IP address and location data
• Browser type and version
• Operating system
• Pages visited and time spent on our site
• Referring website
• Device identifiers

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our services and user experience
• Provide personalized content and recommendations

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide our benefit matching and connection services
• Personalization: To customize your experience and provide relevant benefit recommendations
• Communication: To respond to your inquiries and send you important updates about our services
• Improvement: To analyze usage patterns and improve our website and services
• Legal Compliance: To comply with applicable laws and regulations
• Marketing: To send you promotional materials about our services (with your consent)

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

4.1 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or serving our users. These parties are contractually obligated to keep your information confidential and use it only for the purposes we specify.

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

4.3 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

4.4 Consent

We may share your information with your explicit consent for any other purpose not listed above.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection practices
• Secure data centers and infrastructure

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your personal information, we will securely delete or anonymize it.

We may retain certain information for legitimate business purposes, such as:

• Compliance with legal obligations
• Resolving disputes and enforcing our agreements
• Improving our services and user experience

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

7.1 Access and Portability

You have the right to request access to the personal information we hold about you and to receive a copy of that information in a portable format.

7.2 Correction and Updates

You have the right to request that we correct any inaccurate or incomplete personal information about you.

7.3 Deletion

You have the right to request that we delete your personal information, subject to certain exceptions.

7.4 Opt-out of Marketing

You can opt-out of receiving marketing communications from us at any time by following the unsubscribe instructions in our emails or contacting us directly.

7.5 Cookie Preferences

You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website.

8. Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws than your country. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy and rights.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated Privacy Policy on our website
• Sending you an email notification (if you have provided your email address)
• Displaying a prominent notice on our website

Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

12. Contact Us

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

13. California Privacy Rights

If you are a California resident, you have additional privacy rights under the California Consumer Privacy Act (CCPA). Please see our separate CCPA Notice for more information about these rights and how to exercise them.

14. European Union Privacy Rights

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR), including:

• The right to be informed about data processing
• The right of access to your personal data
• The right to rectification of inaccurate data
• The right to erasure ("right to be forgotten")
• The right to restrict processing
• The right to data portability
• The right to object to processing
• Rights related to automated decision-making and profiling

To exercise any of these rights, please contact us using the information provided in the Contact Us section.