Your privacy matters to us.

1. Introduction

Clarivo Benefits ("Clarivo," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide when visiting our website.

This Privacy Policy explains what information we may collect through our website, how we use that information, when it may be shared, and the choices available to you.

This policy applies to information collected through the Clarivo Benefits website and does not necessarily apply to information collected through separate services, benefit programs, member portals, employer systems, or other platforms that may be governed by separate privacy notices or agreements.

2. Information We Collect

We may collect information that you voluntarily provide to us when you complete a form or otherwise communicate with Clarivo Benefits.

For example, our website contact form may collect:

• Your first and last name
• Your company or organization
• Your email address
• Your telephone number
• Whether you are contacting us as a client or broker
• Information you choose to include in your message to us

We may also automatically receive limited technical information associated with your visit or submission, such as your IP address, browser information, device information, and security-related information used to operate and protect the website.

3. How We Use Your Information

We may use the information we collect to:

• Respond to your questions or inquiries
• Contact you regarding Clarivo Benefits products or services you have expressed interest in
• Communicate with employers, brokers, and other business partners
• Operate, maintain, and improve our website
• Protect our website, systems, and users from spam, fraud, abuse, and automated activity
• Comply with applicable legal and regulatory obligations

We do not use information submitted through our website contact form to make eligibility, coverage, claims, clinical, or healthcare treatment decisions.

4. How We Share Information

Clarivo Benefits does not sell personal information submitted through our website.

We may share information with service providers that help us operate our website, communications, technology infrastructure, security, or other business functions. These providers may process information only as necessary to provide services to Clarivo Benefits.

We may also disclose information when reasonably necessary to comply with applicable law, respond to lawful requests, protect our rights or property, investigate suspected fraud or security incidents, or protect the safety of Clarivo Benefits, our customers, or others.

5. Website Security and Bot Protection

Our website uses Cloudflare Turnstile to help distinguish legitimate visitors from automated or abusive activity.

When you interact with a protected form, Cloudflare may process certain technical information necessary to perform security and bot-detection services. This helps us protect our website and reduce fraudulent or automated submissions.

6. Email Communications

Information submitted through our website contact form is delivered to authorized Clarivo Benefits personnel through our Microsoft 365 email environment.

If you provide an email address, we may use that address to respond to your request and communicate with you regarding the reason you contacted us.

7. Cookies and Similar Technologies

Our website may use cookies or similar technologies that are necessary for website functionality, security, session management, or performance.

If we introduce additional analytics, advertising, or tracking technologies in the future, we may update this Privacy Policy and provide additional notices or choices where required.

8. Information Security

Clarivo Benefits uses reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure.

9. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purpose for which it was collected, support legitimate business needs, comply with legal obligations, resolve disputes, and maintain appropriate business records.

10. Children's Privacy

The Clarivo Benefits website is intended for employers, brokers, benefits professionals, adult plan participants, and other business users. It is not directed to children under the age of 13, and we do not knowingly seek to collect personal information from children under 13 through this website.

11. Your Privacy Choices

Depending on where you reside and applicable law, you may have certain rights regarding your personal information.

You may contact us to ask questions about information you have submitted through this website or to request that we correct or delete information when appropriate and permitted by law.

12. Third-Party Websites

Our website may contain links to websites or services operated by third parties. Clarivo Benefits is not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of any third-party services you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our website, services, business practices, technology, or legal requirements.

When changes are made, we will update the effective date shown at the top of this page.