Privacy Policy

Privacy Policy of Total Benefit Solutions

We want you to know that it is a top priority to protect your privacy. We do collect information for the purpose of generating accurate rates quoted for various lines of employee benefit and individual coverage. We also collect information for the purpose of group installation and benefits enrollment. We pledge to maintain the confidentiality of that information. We do not sell, rent or give away the information you have entrusted to us.

This notice describes our current privacy policy and practices.

Privacy and Security

We have strict policies and procedures in place to safeguard the privacy and security of your personal information. Your personal information, including the data contained in our computers, is protected from unauthorized access. Its use is restricted to employees and others having a business need for the information.

Types and use of information collected

The personal information we collect from you and about you is used to provide and service insurance products. This information varies depending upon whether you are our insured or a prospective insured, and the particular insurance product you have purchased or are considering.

We maintain information regarding your transactions with Total Benefit Solutions, such as information about all of your insurance policies, group and individual underwriting documentation, and premiums. We may request additional information in order to service the insurance products we provide you.

We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey or fill out a form.

Total Benefit Solutions collects anonymous visitor information to its web sites in order to measure the number of visits, pages visited, and average time spent on each web site. This information is used to improve the design of our web sites and make them more user-friendly.

We may also collect information from you passively. “Cookies” are small text files that are placed on your computer in order to identify your web browser and the activities of your computer on our web sites.

Cookies may be used to:

  • Personalize your experience on our web sites,
  • Assist you in using our products (such as saving time by not having to reenter your name upon each visit to our web sites),
  • Allow us to statistically monitor how you are using our web sites to help us improve our online offerings.

You may set your web browser to not accept cookies. If you do, you may still use our web sites, however, certain products, offerings, features, or resources of our web sites may not work properly and you may experience some loss of convenience.

When registering on our site, as appropriate, you may be asked to enter your name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.

Safeguarding your medical information

Total Benefit Solutions shares your concern about the privacy of your medical information. We assure you that we do not rent, sell, or give away your personally identifiable medical information to anyone, for marketing purposes, or for any other reason. We will only use and share personally identifiable medical information for insurance underwriting purposes, to service your policy or a claim, and for other purposes required or permitted by law.

When we may disclose information

Total Benefit Solutions respects the confidentiality of your personal information. However, there are circumstances in which we may disclose to third parties information we have about you in order to conduct our business, including servicing or processing an insurance product, claim, or service that you request or authorize. We will make these disclosures only when they are permitted or required by law. These disclosures may include providing information in response to a request by regulatory or governmental authorities, other administrators, auditors, or consultants. We may also provide your insurance carrier with access to your group/personal information they need to administer your business, and provide service to you. They may also use this information to advise you of additional products and services offered through their company.

We do not rent, sell, or disclose any of your personal information, regardless whether you are a current or former customer or insured. In other words, should your relationship with Total Benefit Solutions end we will continue to limit disclosures of your personal information in accordance with our stated privacy policy and practices just as we do for those who maintain a continuing relationship with us.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

• To improve customer service – Your information helps us to more effectively respond to your customer service requests and support needs.

• To process transactions – Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

• To send periodic emails – The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.

Do we use cookies?

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enable the sites or service providers systems to recognize your browser and capture and remember certain information.

Yes. We use cookies to understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties. This does not include trusted third parties who assist us in operating our web site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our or other’s rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other uses.

Your Consent

By using our site, you consent to this privacy policy.

Questions or Inquiries?

We welcome your inquiries. Please email us at info@tbsmga.com or write to:

Total Benefit Solutions
ATTN: Privacy Notice
218 Main Street #504
Kirkland WA 98033