Cookie and Privacy Policy

Online Privacy Policy 

This privacy policy has been prepared out of respect for the privacy of customers,  visitors to our website, job applicants, and independent contractors of Senior Benefits  Insurance Services and 90 Days from Retirement (the “Company” or “we”). This  policy describes the personal information we collect, use, and disclose about individual  consumers, applicants, and contractors who visit or interact with this website, visit any  of our offices, stores, facilities, or locations, purchase or inquire about any of our  products or services, contract with us to provide services, apply for a position of  employment, or otherwise interact or do business with us.  

Whenever you visit our website, we will collect some information from you automatically  simply by you visiting and navigating through this site, and some voluntarily when you  submit information using a form on the website, enroll in or subscribe to our newsletter  or marketing communications, request information, or use any of the other interactive  portions of our website. Through this website, we will collect information that can identify  you and/or your activity.  

Additionally, whenever you communicate, interact, or do business with us, whether  online or at any of our physical locations or facilities, or whether you are contracted to  perform services for us or apply for a position of employment, we will be collecting  personal information from you or about you in the course of our interaction or dealings  with you.  

Information we collect 

Whenever you visit our website, we will collect some information from you automatically,  and some voluntarily.  

We will collect the following information automatically:  

  • IP Address  
  • The date and time of your visit  
  • Webpages visited  
  • Browser identification  
  • Form information downloaded  
  • Domain name from which our site was accessed  

We will collect the following information voluntarily:  

  • Your name  
  • Your contact information, including your email address  

Uses of the information that we collect

We collect information about our website visitors for several reasons, including:  

  • To improve the website experience for all visitors  
  • To understand the demographics of our website visitors  
  • To facilitate the processing of subscriber requests  
  • To be able to communicate with website visitors  

How we protect the information that we collect 

The protection of the information that we collect from our site visitors is of the utmost  importance to us, and we take every reasonable measure to ensure that protection,  including:  

  • We keep automatically collected data and voluntarily collected data separate at  all times  
  • We use Secure Sockets Layer (SSL) 256-bit encryption wherever we capture  voluntarily provided information  
  • We use internal encryption on all data stores that house voluntarily captured data  • We use commercially reasonable tools and techniques to protect against  unauthorized access to our systems  
  • We restrict access to private information to those who need such access in the  course of their duties  

Use of cookies and other tracking technologies 

Cookies are small files that a website may transfer to a user’s computer that reside  there for either the duration of the browsing session (session cookies) or on a  permanent (until deleted) basis (persistent cookies) that may be used to identify a user,  a user’s machine, or a user’s behavior. We make use of cookies under the following  circumstances and for the following reasons:  

  • Compile data about site traffic to offer a better website experience  • Understand and save visitor preferences for future visits  

Do Not Track (DNT) is a privacy preference users can set if they do not want web  services to collect information about their online activity. However, there is currently no  universal standard for sending and receiving DNT signals. Due to this lack of universal  standard, it would be impossible for us to promise that we comply with all known and  unknown DNT standards.  

Therefore, we do not respond to DNT signals or other mechanisms that provide a  choice regarding the collection of personally identifiable information about activities over  time and across different websites or online services. If a universal standard for DNT  becomes available, we may revisit this policy. 

Sharing of Data – Third-party disclosure of the information that we collect 

Information about our customers is an important part of our business, and we are not in  the business of selling it to others. We share customer information only as described  below. and with affiliated entities that either are subject to this Privacy Policy or follow  practices at least as protective as those described in this Privacy Policy.  

We may disclose your personal information to our service providers, suppliers,  subcontractors, and other parties who provide services to us or act on our behalf.  Phone numbers collected for SMS consent are not shared with any third parties or  affiliates.  

We may also disclose nonpublic information about you to non-affiliated third parties as  permitted by law, such as when required to do so by a court order or subpoena.  

SMS Communications 

By opting into SMS from a web form or other medium, you agree to receive SMS  messages from Senior Benefits Insurance Services and 90 Days from Retirement. This  includes SMS messages for payments due, policy expiry dates, policy renewals, and  billing notifications. Message frequency varies. Message and data rates may apply.  Message HELP for help. Reply STOP to any message to opt out.  

Consent for SMS Communication – Information obtained as part of the SMS consent  process will not be shared with third parties.  

Types of SMS Communications – If you have consented to receive text messages from  Senior Benefits Insurance Services and 90 Days from Retirement, you may receive  messages related to servicing your account, including updates about policy due dates,  status, or other relevant information.  

SMS Messaging Disclosures 

  • Message and data rates may apply  
  • You can opt out at any time by texting “STOP”  
  • Message frequency may vary  
  • For assistance, text “HELP”  
  • Carriers are not liable for delayed or undelivered messages  

Opt Out 

If you no longer want to receive emails or marketing-related materials from us, you may  opt out of receiving these materials by following the unsubscribe instructions included in 

such messages or by contacting us directly. Please note that even if you opt out of  receiving promotional emails, we may continue to send transactional or informational  email communications.  

Changes 

From time to time, this Privacy Policy may be modified and/or updated. We encourage  you to check back to this page periodically to determine if any changes have been  made.