SMS Privacy Policy

1- SMS Consent Communication:

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2- Types of SMS Communications:

If you have consented to receive text messages from BENEssentials Inc., you may receive messages related to the following:
Customer Care
Account Notifications

3- Potential Fees for SMS Messaging:

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

4- Opt-In Method:

You may opt in to receive SMS messages from BENEssentials Inc. in the following ways:
By checking a box through our website at https://benessentials.com/contact-us/

5- Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

6- Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://benessentials.com/contact-us/
Additional Options:
If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

7- Standard Messaging Disclosures:

Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP."
Message frequency may vary

You can text BENEssentials Inc. at 9732223702 for information regarding our services. By texting BENEssentials Inc. at 9732223702, you agree to receive customer care, delivery notifications messages from BENEssentials Inc.. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit https://benessentials.com/sms-privacy-policy/ to see our privacy policy and https://benessentials.com/sms-privacy-policy/ for our Terms of Service.

8. Information We Collect

We collect personal information from clients through multiple channels, including but not limited to:

Text messages (SMS)
Email communications
Telephone conversations
In-person meetings

The information we collect may include, but is not limited to:

Name, address, phone number, and email
Date of birth and Social Security number (when necessary)
Health information relevant to insurance applications
Financial and employment information
Insurance history and coverage details

9. How We Use Your Information

We use the information we collect to:

Assist clients with applications for health and life insurance
Provide quotes, plan comparisons, and recommendations
Communicate regarding policy options, updates, and benefits
Respond to client inquiries and provide customer support
Maintain records as required for business and regulatory purposes

10. How We Share Your Information

We do not sell or rent your personal information.

We may share your information only when necessary to:

Submit applications to insurance carriers
Service your policy or respond to requests
Work with licensed agents, brokers, or service providers assisting in your coverage

We may also disclose your information when legally required, including but not limited to:

Regulatory compliance: To comply with federal and state laws, including insurance regulations and audits by departments of insurance
Fraud prevention and investigation: To detect, prevent, or investigate fraud, misrepresentation, or illegal activity
Law enforcement requests: In response to subpoenas, court orders, or other legal processes
Public health and safety: When required to report information to public health authorities or regulatory bodies
Claims processing and underwriting: When necessary for insurance carriers to evaluate applications, determine eligibility, or process claims
Business operations: To comply with recordkeeping, reporting, and compliance obligations under applicable laws such as HIPAA (where applicable)

Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.