Union Benefit Financial Services (UBFS) Privacy Policy

Introduction
Union Benefit Financial Services (UBFS) prioritizes your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, share, and safeguard your data when you interact with our websites, mobile applications, and services (collectively, “Services”). By using our Services, you consent to the practices detailed in this policy.

Information We Collect
We collect various types of information from multiple sources, including:

Information You Provide:
We collect information voluntarily provided by you when you:

  • Request quotes or enroll in voluntary benefits programs.
  • Contact us for customer support or subscribe to communications.
  • Participate in surveys, promotions, or events.

Examples of information collected:

  • Name, address, email address, telephone number
  • Date of birth, social security number, government-issued identification
  • Financial and payment information
  • Employment details and insurance-related data

Information Collected Automatically:
We may use cookies, web beacons, pixel tags, and similar technologies to collect:

  • IP addresses, browser type, and operating system
  • Usage data, including webpage views and interactions
  • Geolocation data, if enabled by your device settings

Information from Third Parties:
To ensure accurate and efficient service, we may supplement our records with information from:

  • Employers, unions, brokers, or agents
  • Insurance providers and financial institutions
  • Publicly available records

How We Use Your Information
Your information helps us to:

  • Provide, administer, and improve insurance products and services.
  • Process transactions and manage claims.
  • Communicate policy updates, offers, and relevant service information.
  • Enhance website functionality, security, and user experience.
  • Fulfill legal, regulatory, and compliance obligations.

Information Sharing and Disclosure
UBFS strictly limits data sharing to scenarios necessary to provide our services, issue policies, generate accurate quotes, or manage customer support. Specifically, we share information:

  • With Service Providers:Vendors who support our operations, including IT support, payment processors, and customer communication providers. We require these providers to maintain confidentiality and security consistent with this policy.
  • With Business Partners:Insurance carriers, brokers, plan administrators, or agents when necessary to process applications, quotes, claims, or other customer service requests.
  • For Legal Compliance:Governmental agencies or law enforcement authorities when required by law or to protect against fraud or unauthorized transactions.
  • During Business Transfers:In the event of mergers, acquisitions, reorganizations, or asset sales, data may transfer to successor entities bound by the commitments of this privacy policy.

We Do Not Sell Your Data
UBFS does not sell customer or potential customer personal information to any third parties under any circumstances.

Your Privacy Choices
You may exercise control over your information by:

  • Opting out of marketing communications at any time.
  • Adjusting your browser or device settings to manage or disable cookies and tracking.
  • Requesting access, corrections, or deletion of your personal data (subject to applicable laws).

Data Security
We implement comprehensive administrative, technical, and physical safeguards designed to secure your data from unauthorized access, disclosure, alteration, or destruction. However, no security measures are entirely foolproof, and we cannot guarantee absolute security of information transmitted online.

Children’s Privacy
UBFS services are not intended for individuals under the age of 13. We do not knowingly collect information from minors.

California Privacy Rights
California residents possess additional rights under the California Consumer Privacy Act (CCPA), including the right to request data access or deletion. To exercise these rights, please contact us via the methods provided below.

Changes to this Privacy Policy
UBFS reserves the right to update this Privacy Policy periodically. Any updates will be clearly indicated by an updated effective date posted at the top of this policy. Continued use of our services after such updates constitutes acceptance of the revised terms.

Contact Us
For questions or comments regarding this Privacy Policy, or to exercise your privacy rights, please contact us at:

Union Benefit Financial Services (UBFS)
90 Matawan Road, Suite 100
Matawan, NJ 07747
[email protected]
(888) 861-3491