Benefit Airship LLC – Privacy Policy

Updated 11/23/2025

This Privacy Policy explains how Benefit Airship LLC (“Benefit Airship”, “BAS”, “we”, “us”, or “our”) collects, uses, discloses, and protects personal information when you access benefitairship.com, use our products or services, enroll in benefit programs, communicate with us, or engage with any digital properties we operate (collectively, the “Services”).

By accessing or using any part of the Services, you acknowledge that you have read and agree to this Privacy Policy. If you do not agree, please discontinue use of the Services.

1. Changes to This Privacy Policy

We may revise this Privacy Policy at any time to reflect operational changes, legal or regulatory requirements, or updates to our practices. Changes will be posted on the Site with an updated “Last Updated” date. Continued use of the Services constitutes acceptance of the revised policy.

2. Information We Collect

We collect personal information necessary to operate, administer, and improve our Services, including benefit plan administration, underwriting, customer support, and compliance with laws and insurance regulations.

We collect information from:

A. Information You Provide Directly

This includes information submitted through enrollment forms, applications, web forms, chat, email, SMS, or phone interactions.
Information may include:

• Personal identifiers: name, date of birth, address, email, phone number.
  
  

• Employment & demographic data: employer, job role, household data (when needed for benefits).
  
  

• Benefit information submitted for plan selection, policy enrollment, changes, or claims assistance.
  
  

• Payment information: billing address, last four digits of card numbers, bank details, and transaction confirmations (Note: actual card numbers are processed and stored only by PCI-compliant processors).
  
  

• Account login information: username, password, and security credentials.
  
  

• Support and communication data: questions, correspondence, documentation, or uploaded materials.
  
  

B. Information Collected Automatically (Usage Data)

We may collect:

• IP address, device identifiers, browser type, operating system
  
  

• Pages visited, session duration, links clicked
  
  

• Cookies, pixels, session replay tools, and analytics tags
  
  

• Interaction data used to improve usability, diagnose issues, and enhance Services
  
  

C. Information from Third Parties

Benefit Airship receives information from:

• Insurance carriers, TPAs, benefits administrators, brokers, networks, and partners
  
  

• Payment processors (PCI-compliant)
  
  

• Identity verification and fraud-prevention providers
  
  

• Marketing and analytics partners
  
  

• Employer groups or benefit administrators who enroll users on your behalf
  
  

All third-party data is treated under this Privacy Policy.

3. HIPAA, PHI, and Health-Related Information

Benefit Airship is not a healthcare provider and is not always considered a “Covered Entity” under HIPAA. However, certain services we perform (such as enrolling members into insurance or benefit programs) may involve information that qualifies as Protected Health Information (PHI) when handled by HIPAA-regulated partners (e.g., TPAs, carriers, networks, concierge providers).

How BAS Handles Health Information

• We safeguard health-related information using administrative, technical, and physical controls.
  
  

• When acting as a Business Associate to a covered entity, we follow Business Associate Agreement (BAA) requirements.
  
  

• We may share PHI as needed for plan administration, case management, enrollment, billing, coordination with providers, and legally required purposes.
  
  

HIPAA Disclaimer

Benefit Airship is not responsible for HIPAA compliance of any third-party service providers, carriers, concierge services, networks, or TPAs. Users should refer to those entities' privacy policies for details on how they handle PHI.

4. PCI Compliance & Payment Information

Benefit Airship does not store or process full payment card numbers. All payments are processed through PCI-DSS compliant third-party processors.

Benefit Airship is not liable for:

• breaches, errors, or incidents occurring within third-party payment systems
  
  

• data submitted incorrectly by users during payment
  
  

5. How We Use Personal Information

A. To Provide and Administer Services

This includes:

• Processing benefit enrollment, eligibility verification, billing, and administration
  
  

• Facilitating plan selection, quoting, and underwriting
  
  

• Communicating with insurance carriers, TPAs, concierge providers, and other partners
  
  

• Managing accounts, authentication, and customer support
  
  

• Processing payments and transaction confirmations
  
  

B. To Transfer Data to Carriers & Service Providers

To enroll or service a benefit plan, we may share information with:

• Insurance carriers
  
  

• Stop-loss carriers
  
  

• TPAs and benefits administrators
  
  

• Provider networks and concierge medicine partners
  
  

• Pharmacy benefit managers (PBMs)
  
  

• Underwriters and risk-management partners
  
  

Your use of the Services constitutes authorization to transfer data to such partners for purposes of enrollment, administration, and plan servicing.

C. For Security, Fraud Prevention & Compliance

We use personal information to detect fraud, protect accounts, secure systems, comply with legal obligations, respond to regulatory inquiries, and enforce our Terms.

D. Marketing & Communication

We may communicate with you regarding:

• New products or programs
  
  

• Benefit updates
  
  

• Educational content
  
  

• Special offers, promotional initiatives, or events

You may opt out of marketing at any time.

6. Cookies and Tracking Technologies

Benefit Airship uses cookies and similar tools to:

• Operate the website
  
  

• Improve functionality and user experience
  
  

• Measure performance and analytics
  
  

• Personalize content and marketing
  
  

Users may disable cookies, but certain features may not function correctly.

We honor Global Privacy Control (GPC) signals for opt-out where legally required.

7. How We Disclose Information

We may share information with:

A. Service Providers & Vendors

Including IT services, hosting providers, analytics vendors, email/SMS delivery providers, marketing vendors, and software platforms.

B. Insurance Carriers & Health-Related Partners

As required for:

• Enrollment
  
  

• Billing
  
  

• Claims facilitation (when applicable)
  
  

• Verification
  
  

• Eligibility
  
  

• Risk management
  
  

• Network access
  
  

• Coordination of benefits
  
  

C. Legal and Compliance Requirements

We may disclose information when:

• Required by law, subpoena, regulatory request, or court order
  
  

• Necessary to enforce our Terms or protect rights, property, or safety
  
  

• Relevant to fraud prevention and security monitoring
  
  

D. Corporate Transactions

If Benefit Airship undergoes a merger, acquisition, restructuring, financing event, or asset sale, information may be transferred as part of the transaction.

8. Protection of Company Interests

Benefit Airship disclaims all liability for:

• User misrepresentation or incorrect data submitted during enrollment
  
  

• Use of third-party sites, networks, or carriers
  
  

• Third-party system failures or data breaches outside our control
  
  

• Incorrect coverage selections made by users or employers
  
  

• Decisions made by carriers, TPAs, or networks
  
  

• Errors or inaccuracies in third-party data provided to us
  
  

You agree that Benefit Airship is not responsible for another organization's policies, actions, data practices, benefit decisions, underwriting decisions, or security posture.

9. Children's Data

The Services are not intended for children under 13, and we do not knowingly collect personal information from children. If such information is discovered, it will be deleted promptly.

10. Data Security & Retention

We implement reasonable technical and organizational safeguards, but no system is completely secure, and we cannot guarantee absolute security.

Personal data is retained only for:

• Active account needs
  
  

• Legal and regulatory requirements
  
  

• Compliance and audit obligations
  
  

• Business or contractual requirements
  
  

11. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access your data
  
  

• Request deletion
  
  

• Correct inaccurate data
  
  

• Request data portability
  
  

• Restrict certain processing
  
  

• Withdraw consent (where applicable)
  
  

• Appeal denial of a rights request
  
  

Requests may require identity verification.

We will not discriminate against users who exercise privacy rights.

12. SMS Communications

By opting in, you agree to receive recurring SMS messages from Benefit Airship. Message and data rates may apply. You may opt out at any time by replying STOP.

We do not sell phone numbers to third parties.

13. International Data Transfers

If you access the Services outside the United States, your data may be transferred to and processed in the U.S. or other jurisdictions. We use recognized transfer mechanisms where required.

14. Third-Party Links

Benefit Airship is not responsible for third-party sites or services linked from our Site. Their privacy policies govern their practices.

15. Contact Us

For questions or to exercise your privacy rights:

Benefit Airship LLC
Email: support@benefitairship.com