Privacy Policy

1. Introduction

Your Benefits Group Agency, LLC ("we," "us," or "our") operates the website located at https://ybginsurance.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or submit a request for insurance information. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site.

2. Information We Collect

We may collect the following categories of personal information:

• Identifiers: First name, last name, email address, phone number, mailing address, ZIP code, and date of birth.
• Insurance-Related Information: State of residence, insurance line of interest, and any notes you voluntarily provide.
• Employment Information: National Producer Number (NPN), lines of business, and states licensed (for agent applicants only).
• Usage Data: IP address, browser type, pages visited, and referring URLs collected automatically via server logs.
• Communications: Records of your consent to be contacted, including timestamp and consent text, as required by the TCPA.

3. How We Use Your Information

We use the information we collect to:

• Respond to your insurance quote requests and connect you with a licensed agent.
• Send you information about insurance plans, enrollment periods, and relevant updates.
• Contact you by phone, email, or text message — only with your prior express written consent as required by the Telephone Consumer Protection Act (TCPA).
• Process agent recruitment applications.
• Comply with legal obligations, including record-keeping of consent.
• Improve our website and services.

5. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Licensed Insurance Carriers: To obtain quotes or facilitate enrollment on your behalf, with your consent.
• Service Providers: Email delivery and CRM tools that process data on our behalf under confidentiality agreements.
• Legal Authorities: When required by law, court order, or to protect our legal rights.

7. Data Security

We implement industry-standard technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations (including TCPA consent records), resolve disputes, and enforce our agreements. TCPA consent records are retained for a minimum of 5 years.

9. Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Effective Date" at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.