Privacy Notice

In this notice, The Pinnacle Benefits Group (the “Company”) discloses information about its data processing practices.  This notice is effective August 1, 2020.  Terms that are defined in the California Consumer Privacy Act have the same meaning when used in this notice. 

As described in more detail in this Notice, the main purpose of the Company’s collection and use of personal information is to communicate with licensed insurance agents and facilitate the sale of insurance products to individuals who express interest in such products. 

I. Personal Information We Collect

The Company collects or obtains the following information: 

The Company does not collect biometric information, geolocation data, sensory data, or non-public education information. 

The majority of the information collected by the Company consists of contact information for licensed insurance agents and consumers seeking to purchase insurance products.

II. Sources of Personal Information

The Company may collect personal information from the following categories of sources:

• Directly from users when they provide information electronically, by phone, or by mail;
• Our affiliates and business partners;
• Client referrals;
• Data verification services for agents;
• Users’ browsers;
• Marketing vendors and advertising networks; and
• Social media.

The Company obtains information pertaining to insurance agents primarily from the agents themselves when they choose to affiliate with the Company.  The Company obtains information pertaining to consumers seeking to purchase insurance products from referrals and written and electronic consumer inquiries regarding insurance products (including through companies that assist in the delivery of such inquiries). 

 III. Use of Personal Information

The Company may use, sell, or disclose the personal information that it collects for one or more of the following purposes:

• Provide you products and services;
• Address your inquiries;
• Process transactions;
• Tailor the content and information that we may send or display to you;
• Where permitted, for marketing and promotional purposes, such as to provide information to you about the products and services we offer;
• Analyze use of our products and services;
• Develop new products and services;
• Provide and personalize our services;
• Comply with legal obligations; and
• Protect our rights, property, and safety or the rights, property, and safety of others.

The Company uses information pertaining to insurance agents to communicate with and compensate insurance agents.  The Company uses information pertaining to consumers seeking to purchase insurance products to contact such consumers and provide policy services. 

IV. Sharing Personal Information

The Company may disclose your personal information to a third party for a business purpose or sell your personal information, subject to your right to opt-out of those sales.   The Company may share your personal information with licensed insurance agents, insurance carriers, service providers, all primarily for the purpose of facilitating the sale of insurance products to individuals who are interested in purchasing insurance products.

In the preceding 12 months, the Company has disclosed the following categories of personal information for a business purpose: identifiers, California Customer Records personal information categories, protected classification characteristics under California or federal law, commercial information, and internet or other similar network activity.

In the preceding 12 months, the Company may have sold the following categories of personal information: identifiers, California Customer Records personal information categories, protected classification characteristics under California or federal law, commercial information, internet or other similar network activity.  The information is sold to licensed insurance agencies and agents with whom the Company works regularly.     

V. COOKIE POLICY

Our website may use “cookies” to enhance user experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Cookies can also enable us to track and target the interests of our users to enhance their experience on our website. We may use the following types of cookies: advertising and analytics and social media. Usage of a cookie is not linked to any personally identifiable information on our website.

User may choose to set their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of the website may not function properly.

VI. CHILDREN UNDER THE AGE OF 16

Our website is not intended for children under 16 years of age. No one under age 16 may provide any information on the website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this website. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.

VII. RIGHTS FOR CALIFORNIA RESIDENTS 

Additional privacy rights for California residents are provided here.

VIII. Contact Information

If you have any questions or comments about this notice, the ways in which the Company collect and use your information described below, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (800) 259-3959

Website: https://pinnaclebenefits.com/

Email: pbg@pinnaclebenefits.com

Postal Address:

601 W 4^th Street Ste #110

Winston Salem, NC 27101