Privacy Policy

Last Updated: January 1, 2025

1. Introduction

Guardian Benefits Inc. ("Guardian Benefits," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website at guardian-benefits.com (the "Site"), submit an application, or otherwise interact with us.

By using our Site or submitting any information to us, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, mailing address, city, and state.
• Professional Information: National Producer Number (NPN), years of experience, current FMO/upline, product lines you work with, and agency information.
• Application Information: Information you provide when submitting a partner or agent application, including your goals and preferences.
• Technical Information: IP address, browser type, device type, pages visited, time spent on pages, and referring URLs — collected through cookies and similar technologies.
• Communications: Records of emails, phone calls, or messages you send us.

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your partner or agent application
• Contact you regarding your application, contracting, or partnership opportunities
• Provide customer service and respond to your inquiries
• Send you relevant information about our products, services, and updates (with your consent)
• Improve our website and user experience
• Comply with legal obligations and regulatory requirements related to the insurance industry
• Prevent fraud and maintain the security of our systems

4. Sharing of Your Information

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

• Insurance Carriers: When processing your contracting applications, we may share necessary information with insurance carriers and their appointed representatives.
• Service Providers: We may share information with trusted third-party vendors who assist us in operating our website and conducting our business (e.g., CRM platforms, email services), subject to confidentiality agreements.
• Legal Requirements: We may disclose information when required by law, regulation, legal process, or governmental request, including compliance with insurance regulatory bodies.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device. We use them to:

• Remember your preferences and settings
• Analyze Site traffic and usage patterns
• Serve relevant content and marketing

You can control cookie settings through your browser. Note that disabling cookies may affect certain features of the Site.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to comply with legal, regulatory, tax, or accounting requirements. Application data may be retained for up to 7 years in accordance with insurance industry recordkeeping requirements.

8. Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal and regulatory retention requirements.
• Opt-Out of Marketing: Unsubscribe from marketing communications at any time by clicking "unsubscribe" in any email or contacting us directly.
• Do Not Sell: We do not sell personal information. If this policy changes, you will be notified and given the opportunity to opt out.

To exercise any of these rights, contact us at [email protected] or call (561) 289-1350.

9. Children's Privacy

Our Site is intended for adults and licensed or prospective insurance professionals. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that a minor has submitted information to us, we will promptly delete it.

10. Third-Party Links

Our Site may contain links to third-party websites, including carrier portals and industry resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). To submit a CCPA request or learn more about your rights, contact us at the information below. We will respond to verifiable requests within 45 days.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated policy on this page with a new "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of those changes.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

• Guardian Benefits Inc.
• Email: [email protected]
• Phone: (561) 289-13