(865) 851-4983

jeff@theseniorbenefitsadvisor.com

Privacy Policy and Terms of Service

Privacy Policy

Our Privacy Commitments

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

We will only retain personal information as long as necessary for the fulfillment of those purposes.

We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

Data Practices and SMS Program

Welcome to our website. We value your privacy and are dedicated to protecting your personal data. This privacy policy outlines how we collect, use, store, and protect your personal data, and your rights concerning this data. We do not share your data with third parties for marketing or promotional purposes.

1. Data Sharing and Disclosure

We do not share your personal data with third parties for marketing or promotional purposes. We may share your data with third parties only in the following circumstances:

  • Service Providers: With third-party service providers who perform functions on our behalf, such as IT service providers, data storage providers, and telecom service providers
  • Legal Obligations: When required by law or to respond to legal processes.
  • Protection: To protect our rights, property, and safety, or that of our customers and others.

2. Data We Collect

We collect various types of personal data, including:

  • Identity Data: First and last name.
  • Contact Data: Email address, phone number, billing and delivery address
  • Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.
  • Usage Data: Information about how you use our website, products, and services.
  • Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

3. Methods of Data Collection

We collect personal data using various methods, primarily through forms on our website:

  • Direct Interactions: You provide your personal data when you fill out forms, create an account, subscribe to our services, request marketing materials, or give us feedback.
  • Automated Technologies: As you interact with our website, we may automatically collect technical data about your equipment, browsing actions, and patterns. We collect this data using cookies, server logs, and other similar technologies

4. How We Use Your Personal Data

We use your personal data for the following purposes:

  • SMS Program: If you opt into our SMS program, we will send you messages regarding our services, updates, policies, and promotional offers. You will receive messages about product updates, service notifications, and special offers. You can opt out at any time.
  • Service Provision: To perform the contract we are about to enter into or have entered into with you.
  • Marketing and Communications: To send you marketing materials and communicate with you about our services.
  • Prospecting: To analyze your data to understand your preferences and prospects for new clients.
  • Customer Support: To respond to your inquiries and provide support.

5. Data Storage, Maintenance, and Protection

We implement appropriate security measures to protect your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. These measures include:

  • Data Encryption: Encrypting personal data to protect it from unauthorized access.
  • Access Controls: Limiting access to personal data to authorized personnel only.
  • Regular Security Assessments: Conducting regular security assessments to identify and mitigate potential vulnerabilities.

6. Your Rights

You have the following rights regarding your personal data:

  • Access: You can request access to the personal data we hold about you.
  • Correction: You can request correction of any incomplete or inaccurate data we hold about you.
  • Erasure: You can request deletion of your personal data where there is no good reason for us to continue processing it.
  • Objection: You can object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation that makes you want to object to processing on this ground.
  • Restriction: You can request restriction of processing of your personal data.

7. Opt-Out Options and Mobile Information

You have the right to opt out of receiving marketing communications from us at any time by:

  • SMS: Replying “STOP” to any SMS message you receive from us. Email: Clicking the “unsubscribe” link in any email you receive from us.
  • Account Settings: Updating your preferences in your account settings on our website.

More on mobile information usage, collection, and privacy:

  • Our SMS program provides updates, notifications, and promotional messages related to our services. By subscribing to our SMS program, you consent to receive SMS messages at the phone number provided. Message frequency may vary based on your interaction with our service.
  • We do not share your mobile information with third parties or affiliates for marketing or promotional purposes. Additionally, all the categories of personal data mentioned above exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties under any circumstances. However, we may share your data with trusted service providers who assist us in operating our SMS program, provided they agree to keep your data confidential and use it solely for the purpose of providing services on our behalf.
  • You have the right to access, correct, verify, or remove your personal information at any time. To manage your information, please contact us at 851-4983.
  • Opt-Out Option:** If you wish to opt-out of receiving SMS messages, you may do so at any time by replying “STOP” to any of our messages or by contacting us directly at (865) 851-4983. Opting out will not affect your other interactions with our services.

8. Changes to this Privacy Policy

We may change this Privacy Statement from time to time when necessary to reflect changes in our Services, how we use personal information, or the applicable law. If we make changes, we will revise the “Last Updated” date at the top of the statement. If we make material changes, we will provide you with notice or obtain consent regarding such changes as may be required by law. We encourage you to review the Privacy Statement whenever you access the Services or otherwise interact with us to stay informed about our privacy practices and the ways in which you can exercise choice over these practices. The practices described in this Privacy Statement are subject to applicable laws in the locations in which we operate.

Website Terms and Conditions of Use

1. Terms

By accessing this website, you are agreeing to be bound by this website’s Terms and Conditions of Use, all applicable laws, and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on The Senior Benefits Advisor’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on The Senior Benefits Advisor’s website;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by The Senior Benefits Advisor at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on The Senior Benefits Advisor’s website are provided “as is”. The Senior Benefits Advisor makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, The Senior Benefits Advisor does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall The Senior Benefits Advisor or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on The Senior Benefits Advisor’s Internet site, even if The Senior Benefits Advisor or The Senior Benefits Advisor authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on The Senior Benefits Advisor’s website could include technical, typographical, or photographic errors. The Senior Benefits Advisor does not warrant that any of the materials on its website are accurate, complete, or current. The Senior Benefits Advisor may make changes to the materials contained on its website at any time without notice. The Senior Benefits Advisor does not, however, make any commitment to update the materials.

6. Links

The Senior Benefits Advisor has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by The Senior Benefits Advisor of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications

The Senior Benefits Advisor may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to The Senior Benefits Advisor’s website shall be governed by the laws of the State of Tennessee without regard to its conflict of law provisions.

General Terms and Conditions are applicable to Use of a Web Site.